The Insurance Border Battle

By Tom Weidner | Personal Injury

Serving communities in the St. Croix Valley we are often faced with cross-state motor vehicle collision claims. Did you know? If you are not a resident of Minnesota, but are involved in a motor vehicle collision in Minnesota you can select medical coverage under Minnesota No-Fault laws. So why would you want to select Minnesota No-fault coverage over your own states medical payment policy?

Here’s a quick breakdown regarding the difference between MedPay and No-Fault:


Medical payment provisions on insurance policies are optional in all but two states in the United States (including Wisconsin). If this provision is selected the minimum requirement, in Wisconsin for example, is $1,000. The policy will help pay for medical expenses. However, if your injuries are the result of the negligence of another party, there may be a provision requiring reimbursement, if you are paid a settlement from the at fault party.

No-Fault/Personal Injury Protection (PIP)

This is a required provision of automobile insurance policies in the State of Minnesota (and twelve other states in the United States). Minnesota no-fault can cover medical expenses, wage loss, replacement or homemaker services, funeral costs, and survivors’ loss benefits. The minimum requirement in Minnesota is up to $20,000 for medical expenses and/or up to $20,000 in wage loss or replacement services.

For more information regarding Minnesota No-Fault coverage visit our blog post “What is No-Fault Coverage in Minnesota?

we can help!

If you find yourself involved in a cross-state collision, make sure you contact an attorney prior to selecting coverage. If you have additional questions regarding this information please contact our Personal Injury team today at (651) 439-2878.

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