A sudden crash in Prior Lake can change your day, your health, and your finances in an instant. Minnesota’s no-fault rules, multiple insurance policies, and strict deadlines make even simple claims feel overwhelming. Metro Law Offices helps injured drivers and passengers understand their options and move forward with confidence. Whether your collision happened near County Road 42, along Highway 13, or in a neighborhood street, our team focuses on clear communication, careful documentation, and timely action. We work to protect your rights from the first call with the insurance company through settlement or litigation. If you have questions right now, we offer a free consultation and can be reached at 651-615-3322.
This page explains how car accident claims work in Prior Lake and throughout Minnesota, including rideshare and passenger injuries. You will find a plain-English overview of key terms, what evidence helps most, and how insurance coverage often applies. We also outline when a limited, do-it-yourself approach may be fine and when full legal representation can add real value. Our goal is to help you make informed choices, avoid common mistakes, and feel prepared for each step. Every case is unique, so consider this a starting point. If you want advice tailored to your situation, call Metro Law Offices at 651-615-3322 for a free, no-pressure case review.
Getting guidance soon after a collision can prevent small issues from becoming larger problems. Timely help ensures that injuries are properly documented, PIP benefits are opened, lost wages are tracked, and property damage is handled efficiently. It also reduces the risk of unintentional statements to insurers that may be used against you later. In Prior Lake, evidence like intersection camera footage or nearby business video can disappear quickly, so prompt investigation matters. With early direction, you can focus on recovery while a professional team organizes records, identifies available coverages, and maps out timelines. That approach often leads to clearer claim valuation, smoother negotiations, and better positioning if a lawsuit becomes necessary.
Metro Law Offices is a Minnesota personal injury law firm serving Prior Lake and surrounding communities. Our practice is built on communication, preparation, and a steady, client-centered approach. We regularly assist people injured in car, pedestrian, bicycle, and rideshare incidents, navigating Minnesota’s no-fault system and third-party liability claims. We work closely with medical providers to gather records, bills, and treatment plans that reflect the full scope of your losses. We also coordinate with insurers to open claims, verify coverage, and protect your interests from the beginning. If you prefer to talk by phone, call 651-615-3322 to schedule a free consultation. We’re ready to discuss options and outline next steps that fit your goals.
In Minnesota, most car accident cases begin with no-fault benefits, also known as Personal Injury Protection. These benefits typically cover initial medical bills and a portion of lost wages, regardless of who caused the crash. If your injuries and damages exceed those benefits, a bodily injury claim against the at-fault driver may be available. Some claims also involve uninsured or underinsured motorist coverage, especially when the wrongdoer lacks adequate limits. Effective representation brings these moving parts together, ensuring deadlines are met, records are complete, and the right coverages are activated. For Prior Lake residents, that means a local, actionable plan tailored to your injuries, treatment path, and long-term needs.
Representation is not only about arguing with insurers; it is about organizing your case from day one. That includes preserving photographs, identifying witnesses, documenting pain levels, obtaining diagnostic imaging, and tracking time missed from work. It also means evaluating whether a settlement is fair when compared to medical findings, wage loss, future care, and any lasting limitations. If a fair result cannot be reached through negotiation, litigation may be considered. Your lawyer should explain pros and cons at each fork in the road so you can make confident choices. The right plan can reduce stress, keep you informed, and position your claim for a strong resolution.
A car accident claim is a request for payment under one or more insurance policies after a collision causes injury or property damage. In Minnesota, a typical claim involves PIP for immediate medical and wage support, plus potential third-party liability against the at-fault driver. If that driver lacks adequate coverage, uninsured or underinsured motorist benefits from your own policy may apply. The process includes reporting the crash, treating injuries, collecting records, valuing damages, and negotiating with insurers. When settlement is not reasonable, a lawsuit may be filed within the statute of limitations. Each step should be documented carefully to protect your case and reflect the full impact on your life.
Strong cases rest on timely medical documentation, clear evidence of fault, and an accurate measure of damages. That often includes emergency records, imaging, therapy notes, and statements from treating providers. Photos from the scene, vehicle damage, and road conditions can help reconstruct what happened, as can witness statements or nearby video. Damages are more than bills; they may include wage loss, diminished earning capacity, future care, and the day-to-day effects of pain and limitations. Insurance coverage must be confirmed early, including PIP, liability, UM/UIM, and any rideshare or commercial policies. Consistent follow-up, prompt record gathering, and organized communication with insurers help move your claim forward.
Understanding common terms makes the process less stressful and helps you make informed choices. Minnesota’s no-fault system provides initial benefits, but serious injuries may allow additional claims against the at-fault driver. Comparative fault can reduce recovery if both sides share responsibility. Deadlines limit how long you have to file suit, and missing them can end a claim. Special coverage, such as uninsured or underinsured motorist protection, may fill gaps when the other driver lacks adequate insurance. Rideshare crashes add layers of coverage that depend on whether the app was on and whether a trip was in progress. Knowing these concepts helps you recognize fair offers and protect your rights.
Personal Injury Protection, often called no-fault, is a required Minnesota coverage that helps pay medical bills and a portion of lost wages after a crash, regardless of who caused it. PIP typically opens first and continues while treatment is reasonable and necessary, up to policy limits. You may need to submit applications, medical bills, and wage verification to access benefits. PIP does not compensate for all losses, and it does not prevent you from pursuing a claim against an at-fault driver when your injuries meet certain thresholds. Coordinating PIP with health insurance and liability claims can reduce delays and help ensure providers are paid on time.
Comparative fault is a rule that assigns percentages of responsibility to everyone involved in a crash. In Minnesota, you can recover damages if you are not more at fault than the other party, but your recovery may be reduced by your percentage of fault. Insurers use this concept to argue for smaller payouts, especially when evidence is incomplete. Photos, skid marks, damage patterns, and witness statements can help clarify what really happened. Because fault can be disputed, documenting the scene and preserving records early can make a meaningful difference. Even if you think you may share some responsibility, it is worth discussing how the rule might apply to your case.
The statute of limitations sets the deadline for filing a lawsuit after a car accident. In Minnesota, the time limit depends on the type of claim and coverage involved, and missing it can permanently end your right to recover. While negotiations may continue for months, they do not pause the clock unless specific legal steps are taken. Because evidence can fade and memories change, it is wise to evaluate filing timelines early. Calendaring deadlines, gathering medical proof, and preparing a settlement demand well before the limit can prevent last-minute pressure. If the offer is unfair, timely filing preserves your leverage and keeps your case moving.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverages protect you when the at-fault driver has no insurance or too little to cover your losses. These benefits are part of your own policy and can be vital in hit-and-run crashes or serious injury cases. UM/UIM often requires prompt notice and careful coordination with any third-party claim to avoid prejudicing your rights. Policy language can affect stacking, offsets, and how benefits are calculated. Because these claims involve your insurer acting in an adverse role, clear documentation and consistent medical care are important. Understanding UM/UIM early helps set realistic expectations and may expand the resources available to cover your damages.
Some accidents can be resolved with a limited approach, while others benefit from full representation. If injuries are minor and liability is undisputed, a simple property and PIP claim may be enough. When facts are contested, injuries are significant, or multiple policies are involved, a comprehensive strategy can improve your outcome. Rideshare and commercial policies add layers that require careful attention, especially to notice requirements and coverage triggers. The best path depends on evidence, medical findings, and your comfort level with insurers. We help you weigh cost, timelines, and potential recovery so you can choose the approach that fits your situation and goals.
If you suffered minor soft-tissue injuries, sought prompt treatment, and the other driver admitted fault, you may handle the PIP claim and property damage directly. Keep detailed records of medical visits, prescriptions, mileage, and time missed from work. Provide clear photos of vehicle damage and the crash scene, and promptly share repair estimates with the insurer. Stay polite but firm during communications and request written confirmation of all agreements. Before accepting a settlement, compare the offer with your medical bills, any lingering symptoms, and out-of-pocket expenses. If pain persists or liability becomes disputed, consider shifting to a comprehensive approach to protect your long-term interests.
When a collision causes only vehicle damage and you do not need medical care, a limited approach can be efficient. Obtain multiple repair estimates, keep receipts for towing and rental vehicles, and submit everything promptly to the appropriate insurer. Ask about diminished value if your vehicle has significant repairs. Be cautious about signing broad releases; you can usually resolve property claims without affecting potential injury claims should symptoms appear later. Monitor deadlines for supplementing repairs if hidden damage is discovered. If the insurer delays, escalate respectfully in writing and document every call. Should injuries surface after the fact, seek medical attention and consider a more comprehensive strategy.
Multi-vehicle collisions and contested liability can quickly become complicated. Insurers may point fingers, blame road conditions, or cite partial fault to reduce payouts. A comprehensive approach brings focused investigation, timely preservation of evidence, and coordinated communication with all carriers. It often includes obtaining crash reports, canvassing for witnesses and video, consulting with reconstruction resources when needed, and building a clear narrative of how the crash occurred. Thorough damages documentation—medical records, wage verification, and future care projections—adds strength to the claim. This level of attention helps counter comparative fault arguments and ensures all available coverages are identified and pursued.
Significant injuries, rideshare crashes, and commercial vehicles introduce complex coverage layers and reporting requirements. Uber, Lyft, delivery services, and company cars may carry different limits depending on whether an app was on or a trip was active. Delays or mistakes can jeopardize access to those policies. A comprehensive plan coordinates treatment, tracks long-term effects, and evaluates future needs, from therapy to work accommodations. It also ensures notice letters, demand packages, and medical evidence are aligned with each policy’s terms. This strategy aims to capture the full value of your claim by presenting a clear, well-supported case that addresses liability, damages, and all relevant insurance sources.
A comprehensive approach keeps every piece of your claim moving in sync—medical care, wage documentation, property repairs, and insurance communications. By organizing records and timelines, your legal team reduces delays and prevents gaps that insurers often cite to discount injuries. Thorough case development also highlights how the crash affects work, family responsibilities, and daily routines, which helps inform fair valuation. When evidence is carefully prepared, settlement discussions become clearer and more productive. If negotiations stall, your file should already be positioned for litigation, preserving leverage and options. The result is a smoother process designed to support both recovery and resolution.
Comprehensive representation also helps uncover coverage that might otherwise be missed, such as stacking UM/UIM policies or accessing rideshare commercial limits. It aligns medical opinions with legal standards, strengthening the link between the crash and your injuries. This approach also minimizes the risk of mistakes in recorded statements, releases, or forms that can harm claims. Communication is centralized, so you aren’t repeating information to multiple adjusters or worrying about deadlines. With a coordinated strategy in place, you can focus on treatment while your team advances the claim. You stay informed, involved, and prepared to make decisions with confidence at each step.
When medical care and legal strategy work together, your records, imaging, and provider notes reflect the full story of your injuries. That coordination ensures objective findings support your reported symptoms and day-to-day limitations. It also helps time treatment appropriately, avoiding long gaps that insurers sometimes use to challenge causation. A coordinated plan tracks referrals, therapy attendance, and progress over time, while capturing out-of-pocket costs and mileage. It also ensures PIP benefits are used effectively and that health insurance and liens are addressed. This alignment creates a consistent, well-documented file that strengthens negotiations and readies your case if litigation becomes necessary.
Accurate valuation starts with complete medical records, wage verification, and a careful assessment of future needs. It also accounts for how pain, restrictions, and missed experiences affect your life. With a documented, well-organized file, the demand package tells a clear story that is supported by evidence rather than assumptions. Negotiation leverage grows when liability is well established, damages are fully captured, and all applicable coverages are identified. If offers fall short, being prepared to file suit keeps momentum and credibility. This thorough approach can lead to more meaningful discussions and a resolution that better reflects your injuries, recovery, and personal goals.
Photos and records are the backbone of a strong claim. Take pictures of vehicle damage, the crash scene, road conditions, and visible injuries. Save receipts for prescriptions, braces, and over-the-counter supplies. Keep a simple journal noting pain levels, sleep disruption, missed work, and activities you can no longer do. Ask for printed discharge instructions and therapy plans, and store them in one folder. Get contact information for witnesses and the responding agency. If nearby businesses may have cameras, note locations so video can be requested quickly. Detailed documentation helps connect your injuries to the crash and prevents insurers from minimizing your losses.
Adjusters may seem friendly, but their role is to evaluate and limit payouts. Share accurate, concise information and avoid guessing about symptoms or how the crash happened. If asked for a recorded statement, consider speaking with a lawyer first, especially when injuries are still developing. Before signing medical authorizations or releases, review what information will be shared and why. Request confirmations in writing and keep notes of all calls, including dates and names. If an offer arrives quickly, compare it against your bills, wage loss, and ongoing care needs. Thoughtful communication protects your claim and reduces the chance of avoidable mistakes.
A lawyer can help you navigate Minnesota’s no-fault rules, coordinate benefits, and avoid pitfalls in statements or forms. When multiple policies are involved—such as rideshare or commercial coverage—representation helps ensure proper notice and preserves access to higher limits. An attorney can gather medical records, wage information, and evidence that supports liability and damages, presenting a comprehensive demand. This can save you time and reduce stress, especially if recovery is your first priority. You will also have guidance when deciding whether an offer is fair or whether to file suit. The goal is a smoother process and a resolution that reflects your needs.
Legal help can be especially valuable when injuries are still evolving. Early decisions carry lasting consequences, and having an advocate can prevent gaps that weaken a case. Your attorney can coordinate with providers, address lien issues, and plan for future care. They also manage deadlines and communicate with insurers so nothing falls through the cracks. With a clear strategy, you can focus on healing while your claim moves forward. If you are unsure whether your situation warrants representation, a free consultation can offer clarity. Call Metro Law Offices at 651-615-3322 to discuss options and next steps tailored to your goals.
Many Prior Lake residents reach out after rideshare crashes, hit-and-run incidents, or collisions with disputed fault. Others call when symptoms persist, medical bills stack up, or an adjuster seeks a recorded statement too quickly. Representation is also helpful when injuries prevent work or when a family member is hurt as a passenger. Uninsured and underinsured motorist claims can be confusing, especially when multiple policies may apply. If you feel pressure to settle before finishing treatment, or you receive a denial based on alleged preexisting conditions, consider getting advice. Legal guidance can bring order to a stressful situation and help protect your rights.
Uber and Lyft crashes raise unique coverage questions that depend on whether the app was on, a ride was accepted, or a passenger was in the vehicle. If you were a rideshare passenger, commercial coverage may apply, and notice requirements can be strict. Preserve screenshots of the trip, driver information, and any in-app communications. Seek medical care promptly and document symptoms thoroughly. It is also wise to avoid giving broad statements to multiple insurers until you understand which policies are in play. An organized, timely approach helps ensure that the proper coverage responds and that all damages are captured in your claim.
Rear-end and intersection crashes often involve sudden braking, visibility issues, or left-turn disputes. Even when the damage looks modest, whiplash and soft-tissue injuries can linger, affecting work and sleep. Photograph the scene from multiple angles, note skid marks, and gather witness contact information. If police respond, request the report number and follow up for a copy. Seek prompt medical evaluation and follow through with recommended therapy. Keep records of missed work and any modifications to your daily routine. These details help show the full impact of the collision and counter arguments that your injuries are minor or unrelated.
When the at-fault driver has no insurance or inadequate limits, your own UM/UIM coverage can help. These claims require prompt notice and careful coordination with any third-party case to avoid prejudicing your rights. Review your policy and declarations page, and gather all medical bills and wage documentation. Keep communication with your insurer polite and concise, and avoid speculation about the crash or your symptoms. If an offer seems low, compare it to your full damages, including future care and lasting effects. Because you are negotiating with your own insurer, organized records and a clear presentation are especially important.
We focus on responsive communication, organized files, and steady advocacy that reflects your priorities. From day one, we map out deadlines, identify coverage, and coordinate with your providers so your care and claim proceed smoothly. Our team prepares detailed demand packages that present liability, medical findings, wage loss, and the broader impact on your life. You will always know where your case stands and what comes next. We believe informed clients make better decisions, and we work to keep you confident at every step.
Local familiarity helps. Prior Lake claims often involve roads like Highway 13 and County Road 42, multiple insurers, and tight timelines for notice. We are comfortable navigating Minnesota’s no-fault system and UM/UIM issues, as well as rideshare and commercial policies. Our approach is thorough but practical: investigate early, document carefully, and negotiate from a position of preparation. When settlement talks stall, we discuss litigation options candidly so you can decide the path that fits your situation and tolerance for risk.
We offer free consultations and no upfront fees on injury cases, so you can access help without adding financial stress. If you hire us, we advance case costs and only get paid if we recover compensation for you. That alignment keeps our focus on results that matter to you—timely medical payments, fair settlement terms, and a resolution that reflects your injuries and future needs. Call 651-615-3322 to speak with Metro Law Offices today. We’re ready to help you move forward with a clear plan.
We structure your case in stages so nothing gets missed. First, we listen and evaluate coverage, deadlines, and immediate needs. Next, we coordinate care, gather records, and build the evidence that supports liability and damages. We then prepare a detailed demand and negotiate with insurers. If a fair agreement cannot be reached, we discuss filing suit and map the litigation plan together. Throughout the process, you receive regular updates, practical guidance, and support with paperwork and questions. Our goal is a steady, organized approach that protects your rights and keeps your claim moving toward resolution.
Your first call sets the foundation. We review how the crash happened, your injuries, medical history, and insurance details. We identify PIP, liability, and UM/UIM coverage, and outline immediate steps to protect your claim. That may include opening PIP, notifying carriers, and preserving key evidence. We also discuss your treatment plan and work restrictions. By the end of the consultation, you will know what to expect, how we can help, and what information we need from you. This early organization reduces stress, prevents delays, and ensures your case begins with a clear, actionable roadmap.
We start by understanding your experience from your perspective. Tell us about the crash location, road conditions, vehicles involved, and symptoms you noticed afterward. Share photos, witness names, and any reports you have. We ask focused questions to identify evidence and coverage opportunities that might otherwise be overlooked. We also review your health concerns and daily limitations so our plan supports your recovery. This conversation informs everything that follows—what to request, who to contact, and how to prioritize tasks. Our goal is to make the process feel manageable while building a strong foundation for the claim.
After intake, we move quickly to preserve key evidence. That can include requesting police reports, contacting witnesses, seeking nearby video, and documenting vehicle damage. We open PIP claims, verify coverage details, and send letters of representation so insurers direct communications through us. We also begin collecting medical records and bills, organizing them by provider and date to track progress. Early preservation prevents lost proof and reduces arguments later about what happened or how injured you are. With a structured evidence plan in place, we are ready to present a clear, well-supported claim when the time comes.
As you treat, we continue investigating fault and monitoring damages. We stay in touch with your providers for updates, obtain imaging and therapy notes, and track work restrictions. We verify available coverage, including rideshare or commercial policies, and ensure timely notice to all carriers. We also help with property damage, rental vehicles, and reimbursement issues. Throughout this stage, we communicate with you regularly so you always know what is happening and why. When your treatment stabilizes, we prepare to present a comprehensive demand supported by organized records, clear liability evidence, and a detailed valuation of your losses.
We encourage consistent medical follow-up and help gather the documentation that shows your progress and ongoing needs. That includes office notes, diagnostic imaging, therapy updates, and referrals. We track out-of-pocket costs, mileage, wage loss, and any job modifications required by your provider. We also ask you to share how injuries affect sleep, household tasks, and activities, so the demand reflects your real-life experience. By keeping everything organized and current, we reduce delays and present a persuasive record that supports a fair settlement. Your health comes first, and our process is designed to support your recovery.
We communicate with insurers to open and manage claims, confirm coverage, and address requests for information. When authorizations are needed, we limit them appropriately to protect your privacy while providing relevant records. We handle recorded statement requests with care and push back on unfounded delays or denials. If multiple policies could apply—such as UM/UIM or rideshare coverage—we coordinate notice and preserve your rights to pursue those benefits. Our goal is to keep your claim moving, prevent missed deadlines, and maintain leverage by presenting complete, consistent, and timely information.
When treatment stabilizes, we prepare a detailed demand that summarizes liability, medical findings, wage loss, and the broader impact on your life. We negotiate with insurers, using organized evidence to support valuation. If the offer is fair, we finalize settlement and resolve any liens. If not, we discuss filing suit, timelines, and what litigation involves. Because the case has been developed from the start, we can move confidently into court if needed. At all times, you remain informed and in control, choosing the path that best matches your goals and tolerance for risk.
Our demands are built on facts, not assumptions. We organize medical records, bills, wage documents, and photos to tell the story of your injuries and recovery. We explain liability clearly and address anticipated defenses, such as alleged preexisting conditions or gaps in care. We also evaluate future needs based on provider recommendations. During negotiations, we stay responsive, provide targeted updates, and keep you informed about options. We aim for a settlement that reflects your full damages and avoids unnecessary delays. If the carrier undervalues the claim, we are already prepared to escalate appropriately.
If a fair agreement cannot be reached, litigation may be the right next step. We file within the statute of limitations and serve the defendants promptly. Discovery follows, including exchange of documents, written questions, and depositions. We continue updating medical evidence and, when helpful, consult with treating providers about future care. Settlement discussions can continue throughout the process, including mediation. Our goal is to present a clear, organized case that supports a fair outcome, whether through negotiated resolution or a court decision. You will know what to expect and how your participation fits into each stage.
First, check for injuries and call 911 if anyone needs help. Move to a safe area if possible and exchange information with the other driver, including insurance and contact details. Photograph the scene, vehicle damage, and any visible injuries. Note nearby businesses that might have cameras and gather witness names and phone numbers. Seek medical attention quickly, even if you feel okay, because some injuries surface later. Report the crash to your insurer and open a PIP claim. Avoid guessing about fault and limit conversations with the other driver’s insurer until you understand your rights. Keep receipts, track missed work, and follow your provider’s recommendations. If you have questions about coverage or next steps, consider a free consultation with Metro Law Offices at 651-615-3322. We can explain timelines, evidence needs, and how to protect your claim while you focus on recovery.
Yes, Minnesota’s no-fault system typically requires you to use your Personal Injury Protection benefits first, regardless of who caused the crash. PIP usually covers initial medical bills and a portion of lost wages up to policy limits. Opening a PIP claim early helps providers bill the right insurer and reduces delays in care. You may also coordinate PIP with health insurance when appropriate. Using PIP does not prevent you from pursuing a liability claim against the at-fault driver if your injuries meet certain thresholds. If your damages exceed the other driver’s limits or the driver is uninsured, your UM/UIM coverage may apply. Because multiple policies can overlap, timely notice and organized documentation are important. We can help you understand how PIP fits into the bigger picture of your claim.
Filing deadlines depend on the type of claim and the policies involved. In Minnesota, the statute of limitations for injury claims is measured in years, but specific timelines vary, and some insurance notice requirements are much shorter. Negotiations with insurers generally do not pause the deadline, so tracking dates early is essential to protect your rights. We recommend evaluating timelines as soon as possible and planning backward from the deadline. That approach allows for record gathering, provider reviews, and settlement discussions without last-minute pressure. If a fair agreement cannot be reached in time, filing suit preserves your claim. A free consultation can clarify which deadlines apply to your situation and what steps to take now.
Rideshare claims depend on whether the app was on, a ride was accepted, or a passenger was in the vehicle. Different stages can unlock different coverage limits. If you were a passenger, commercial policies may provide significant protection, but prompt notice is important. Save trip screenshots, driver details, and any in-app messages. Seek medical care and document your symptoms from the start. Because multiple insurers may be involved, consistent communication and careful record-keeping are vital. Statements can be used by various carriers to limit responsibility, so be cautious and consider legal guidance before providing recorded interviews or broad authorizations. We handle coordination among policies, preserve your rights, and present a clear, well-supported claim that reflects the full scope of your injuries.
Be careful. The other driver’s insurer wants information that can reduce what they pay. You are not required to give a recorded statement immediately, and doing so while symptoms are evolving can be risky. If you choose to speak, keep answers brief and factual, and avoid guessing about injuries or how the crash occurred. Provide photos and documents in writing when possible. Before any recorded interview, consider speaking with a lawyer to understand your obligations and potential pitfalls. We can handle communications, limit overbroad requests, and ensure the insurer receives what they reasonably need without harming your claim. This approach helps you focus on recovery while minimizing preventable mistakes.
In Minnesota, Personal Injury Protection typically pays initial medical bills and some lost wages, regardless of fault. Open the PIP claim early and share billing details with your providers. If you have health insurance, it may coordinate once PIP limits are reached. Keep copies of bills, explanations of benefits, and receipts for out-of-pocket costs. If the at-fault driver is liable, a third-party settlement may reimburse expenses not covered by PIP or health insurance. UM/UIM coverage can fill gaps when the other driver has no insurance or insufficient limits. Because billing can be confusing, we help direct providers to the proper payer and address liens so funds are disbursed correctly at settlement.
Depending on the case, recoverable damages may include medical expenses, wage loss, and property damage. You may also pursue compensation for future care, reduced earning capacity, and the personal impact of pain and limitations. Strong documentation—from imaging to provider notes—helps support these categories and show how the injuries affect daily life and work. Minnesota’s comparative fault rule may reduce recovery if you share responsibility, and policy limits can cap payouts. Our job is to identify all available coverage, present complete evidence, and value your claim accurately. We negotiate for a fair resolution and, if necessary, discuss litigation to protect your interests.
If the other driver is uninsured or leaves the scene, your own Uninsured Motorist coverage may apply. Promptly report the crash to police and your insurer. Preserve any evidence, including photos, witness statements, and medical documentation. If it is a hit-and-run, try to note vehicle details and direction of travel while staying safe. UM claims have specific notice and proof requirements. We coordinate with your carrier, present clear evidence, and push back on delays or denials. If the driver is identified but underinsured, UIM coverage may step in. Our goal is to access the right policies and pursue a recovery that reflects your injuries and losses.
Comparative fault assigns percentages of responsibility to each party. In Minnesota, you can recover as long as you are not more at fault than the other party, but your damages are reduced by your share of fault. Insurers often use this rule to limit offers, especially when evidence is unclear. We focus on building liability proof through photos, damage patterns, witness accounts, and, when needed, reconstruction resources. The stronger the evidence, the less room there is for speculative fault arguments. Even if you think you may share some responsibility, it is worth exploring how the rule applies to your facts and what a fair resolution could look like.
We offer free consultations and no upfront fees. On injury cases, we work on a contingency fee, meaning we only get paid if we recover compensation for you. We also advance case costs, which are reimbursed at the end from any settlement or judgment. This structure allows you to access legal help without immediate financial strain. During your consultation, we will explain our fee agreement in plain language and answer all questions. You will know how costs are handled, what services are included, and how updates are provided. Our goal is transparency, predictability, and a relationship built on trust and steady communication. Call 651-615-3322 to get started.
