A car crash in Richmond can change your day, your routine, and your peace of mind in seconds. Between Highway 23 traffic, local streets, and rideshare pickups, collisions happen in places you know well. Medical bills, insurance calls, and repair costs can add pressure while you are trying to heal. At Metro Law Offices, we help people in Richmond and across Minnesota understand their options and take steady steps forward. This page explains how claims work, what to expect from insurers, and how to protect your rights from the start so you can focus on getting better.
Minnesota’s no-fault system provides benefits quickly, but it can be confusing to use and does not always cover every loss. If another driver’s carelessness caused your injuries, you may have additional claims. Metro Law Offices serves Richmond with clear guidance, responsive communication, and a process built for real recovery. We handle passengers, rideshare cases, and everyday collisions with the same careful approach. Call 651-615-3322 to discuss your situation. There is no pressure—just practical next steps tailored to Richmond roads, Minnesota law, and the specific details of your crash.
After a Richmond crash, small choices can shape the outcome of your claim. Timely medical care, correct insurance forms, and careful statements can be the difference between a smooth recovery and months of delay. Having a team that understands Minnesota no-fault, liability claims, rideshare policies, and local insurers helps you avoid missteps. We coordinate benefits, document injuries, and present your losses in a way insurers understand. That support can reduce stress, free up your time, and position your case for a fair resolution—so you can focus on healing and getting life back on track.
Metro Law Offices is a Minnesota personal injury law firm that serves Richmond and surrounding Stearns County communities. Our approach is simple: clear communication, thorough preparation, and steady advocacy at each step. We handle passenger claims, rideshare collisions involving Uber and Lyft, multi-vehicle crashes, and uninsured or underinsured motorist issues. Clients work directly with a responsive team that values updates and practical guidance. From first call through settlement or courtroom presentation, we focus on building strong evidence, tracking the full scope of your losses, and telling your story with accuracy and care.
Minnesota follows a no-fault system for car accidents, which means your own policy can pay certain medical bills and wage loss regardless of who caused the crash. These Personal Injury Protection benefits are important, but they do not automatically cover pain, future care, or all lost income. If your injuries meet certain thresholds or another driver is responsible, you may pursue additional compensation from the at-fault party’s insurer. Navigating these paths involves medical documentation, timely forms, and careful communication with multiple carriers to protect your rights and preserve every available benefit.
Liability claims in Minnesota consider comparative fault, meaning your compensation can be reduced if you share some responsibility, and recovery may be barred beyond a certain level of fault. Evidence matters—photographs, witness statements, crash reports, vehicle data, and consistent medical records all help show what happened and how injuries affect daily life. Deadlines apply to both no-fault benefits and injury claims, so prompt action is essential. Our role is to coordinate benefits, investigate liability, calculate all categories of damages, and present your claim clearly to insurers or, when necessary, to a judge and jury.
A car accident claim is the process of seeking compensation for injuries and losses caused by a collision. In Minnesota, that typically begins with no-fault benefits through your own policy, followed by a liability claim against the at-fault driver if legal thresholds are met. A complete claim evaluates medical treatment, wage loss, future care needs, pain and suffering, and property damage. It also addresses insurance coverage layers, including rideshare or commercial policies when applicable. The goal is to document the full impact of the crash and resolve the claim through settlement or, if needed, litigation.
Successful claims rest on timely treatment, consistent documentation, and a well-organized case file. Key steps include reporting the collision, using no-fault benefits, preserving evidence, investigating fault, identifying every insurance policy, and tracking damages. Negotiation follows once medical stability is better understood, supported by records, bills, wage proof, and expert opinions where appropriate. If the insurer’s offer does not reflect the evidence, filing a lawsuit preserves your rights and can lead to fairer outcomes. Through each stage, our team keeps you informed, coordinates benefits, and focuses on both short-term needs and long-term recovery.
Understanding common terms can make the process clearer and help you make informed decisions. Minnesota’s system includes no-fault benefits, liability claims, and rules about fault that influence outcomes. You may encounter multiple insurers, including rideshare carriers, each with unique requirements and timelines. The terms below explain concepts you are likely to see in forms, letters, and settlement discussions. With a shared vocabulary, it becomes easier to evaluate offers, spot gaps in coverage, and coordinate benefits so that medical care, wage loss, and long-term needs are addressed as fully as possible.
Personal Injury Protection, often called no-fault, pays certain medical bills and wage loss after a Minnesota crash, regardless of who caused it. These benefits can help you start treatment quickly and avoid delays, but they do not automatically cover every category of loss. PIP has coverage limits and specific rules for submitting bills and wage information. It is common to coordinate PIP with health insurance and, when appropriate, pursue additional compensation from the at-fault driver’s insurer. Keeping accurate records and meeting deadlines helps you use these benefits effectively while protecting future claims.
Comparative fault is a rule that looks at how much each party contributed to a crash. In Minnesota, compensation can be reduced by your share of responsibility, and recovery may be barred if your fault exceeds a certain level. Insurers often use this concept to minimize payouts, so clear evidence matters. Photographs, statements, vehicle data, and scene measurements can clarify what happened. Even if you think you might have some responsibility, it is worth discussing the details with a legal team, because a careful investigation may show a different or more balanced picture.
Bodily Injury Liability coverage is part of an at-fault driver’s policy that can pay for injuries they cause to others. If your injuries meet Minnesota’s threshold requirements, you may bring a claim against this coverage for medical costs, lost income, and pain and suffering. Policy limits vary, and multiple insurance layers can apply, including rideshare or commercial policies. Identifying all available coverage early helps set realistic expectations and guides negotiation strategy. Strong documentation and clear medical opinions are key to demonstrating the full impact of your injuries under this coverage.
The statute of limitations sets the deadline for filing a lawsuit after a car accident. Minnesota provides specific timeframes depending on the type of claim, and missing a deadline can end your ability to recover compensation. Separate timelines may apply to no-fault benefits, underinsured motorist claims, and wrongful death actions. Because evidence can fade and witnesses become harder to reach, it is wise to address deadlines well in advance. Early investigation, accurate records, and timely filings protect your rights and keep your case positioned for negotiation or litigation if necessary.
Some Richmond collisions are straightforward and resolve with limited guidance, while others demand full representation. The right approach depends on injury severity, clarity of fault, available insurance, and how the crash affects your work and daily life. Limited help might focus on no-fault paperwork and quick property damage resolution. Full representation typically includes investigations, medical coordination, wage loss documentation, and negotiation with multiple insurers. If an offer undervalues your losses or liability is contested, a comprehensive strategy protects your interests, preserves leverage, and can lead to better outcomes for long-term recovery.
If the crash is clearly the other driver’s fault, injuries are minor, and treatment is brief, limited assistance may work well. In these cases, no-fault benefits can cover early medical bills and wage loss while you recover. Property damage might be resolved quickly, and settlement talks can focus on documentation already in hand. The key is organized records and prompt communication with insurers. If symptoms resolve and no signs of lingering issues appear, a simple approach can save time and fees. If complications arise, you can always transition to a more involved strategy.
Sometimes insurers evaluate a claim promptly and make a fair offer supported by medical records and wage documentation. When bills are modest, treatment is complete, and there are no disputes about fault, a quick resolution can be appropriate. Before accepting, review the release carefully and confirm that all future care is unlikely or accounted for. If you feel pressured or the offer seems incomplete, pause and get guidance. A short conversation can help confirm whether you are on the right track or whether additional negotiation is warranted to protect your interests.
When the crash involves conflicting stories, unclear police reports, or multiple vehicles, a comprehensive approach helps sort out responsibility. We gather scene photos, interview witnesses, secure camera footage, and consult with reconstruction professionals when appropriate. Comparative fault arguments can reduce payouts, so presenting a clear timeline and accurate measurements is important. We also identify all potential insurance sources, including commercial policies, and coordinate claims across carriers. This level of detail protects your position in negotiation and ensures that, if litigation becomes necessary, your case file is complete and persuasive from the outset.
Significant injuries, ongoing treatment, or questions about rideshare coverage call for full representation. Uber and Lyft policies change depending on whether the app is on, a ride is accepted, or a passenger is onboard. Coordinating PIP, health insurance, and third-party liability coverage while documenting pain, limitations, and future care needs takes careful planning. We work with your providers to track recovery, build clear medical narratives, quantify lost income, and present the total impact on your life. This thorough approach supports settlement negotiations and preserves your leverage in the event litigation is filed.
A thorough strategy connects the dots between medical treatment, insurance coverage, and the real-life effects of your injuries. We help you use no-fault benefits promptly, coordinate care, and keep records consistent. At the same time, we build a liability case with photographs, witness statements, and policy reviews to establish fault and identify all coverage. This dual-track approach ensures your short-term needs are met while the long-term claim develops with strong documentation. Clear communication reduces stress, and a complete file supports fair evaluation by insurers and prepares the case for court if needed.
Comprehensive preparation also helps avoid delays that can undermine momentum. When medical records, wage proof, and future care opinions are assembled early, negotiations proceed on solid ground. Insurers are more likely to engage meaningfully when presented with organized evidence and a credible path to litigation. For Richmond clients, that can translate into more accurate settlement offers and fewer surprises. While quick resolutions have their place, a well-built case respects the full impact of the crash on your work, family life, and future, giving your claim the attention it deserves.
When care, billing, and benefits are coordinated, you can focus on healing while the paperwork moves forward. We help submit no-fault forms, track bills, and communicate with providers so balances are accurate and liens are addressed. Consistent records strengthen your claim and reduce the risk of gaps insurers may challenge. We also monitor mileage, wage loss, and out-of-pocket costs so nothing is overlooked. This organized process supports timely treatment, keeps benefits flowing, and builds the foundation for a fair settlement that reflects the true scope of your injuries and recovery needs.
A well-documented claim backed by clear evidence carries weight in negotiations. Insurers respond differently when they see accident reconstruction materials, consistent medical narratives, and proof of lost income. We present your story with timelines, photographs, and provider opinions that help decision-makers understand the full impact. If an offer falls short, we are prepared to file suit and continue building the case through discovery and, when necessary, trial. This readiness encourages reasonable offers while ensuring your rights are protected if a courtroom becomes the best path to a fair result.
Start a simple file the day of the crash. Save photos of the scene, vehicle damage, and visible injuries. Write down how you feel each day, including pain levels and tasks you cannot do. Keep receipts for medications, mileage to appointments, and out-of-pocket expenses. Ask for copies of medical records and work notes showing missed time. This documentation helps insurers understand your recovery and supports an accurate settlement. If your condition changes, update your notes. Consistent records tell a clear story and prevent important details from slipping through the cracks later.
Insurers may ask for recorded statements soon after a crash. Be polite, but do not guess about injuries or how the collision occurred. It is okay to say you are still treating and will provide updates when records are available. Keep your comments consistent with the police report and your medical notes. If you feel pressured or uncertain about a question, pause and get advice before proceeding. Clear, careful communication avoids misunderstandings that can affect your claim and keeps the focus on documented facts rather than speculation or incomplete information.
If you are juggling medical visits, time off work, and insurance calls after a Richmond crash, guidance can make a meaningful difference. A lawyer can coordinate no-fault benefits, gather records, and ensure that liability claims are presented with the right evidence. This support reduces stress, organizes your case, and helps avoid mistakes that could limit recovery. Whether you were a driver, passenger, pedestrian, or rideshare user, a case review clarifies your options and timelines. With a plan in place, you can focus on treatment and daily life while your claim moves forward.
Complexities often arise when multiple insurers are involved, symptoms worsen over time, or a quick offer does not reflect ongoing needs. Rideshare cases add policy layers, and comparative fault arguments can complicate negotiations. An early call allows us to secure evidence, identify all coverage, and set expectations around medical milestones and settlement timing. We are here to provide steady communication and practical steps that protect your interests. If litigation becomes necessary, your case will already be supported by well-organized records and a clear story about how the crash affected your life.
We regularly assist Richmond residents with a range of crash scenarios. These include rear-end collisions at stoplights, intersection crashes on local routes, weather-related incidents, and multi-vehicle pileups. We also handle passenger injuries and rideshare claims involving Uber and Lyft, where coverage depends on the driver’s app status. Uninsured and underinsured motorist issues are common, and we help coordinate those claims with no-fault and health insurance. Whether your injuries are straightforward or complex, our team focuses on evidence, documentation, and communication to move your case toward a fair and timely resolution.
Passengers often face questions about which insurance applies and how to use benefits without harming friendships or family relationships. Minnesota’s no-fault system offers a path for medical bills and wage loss, and additional claims may exist if another driver is responsible. We help identify the correct policies, submit paperwork, and document injuries with clarity and care. Our approach respects your relationships while ensuring your needs are addressed. From rides to appointments to missed shifts at work, we track the full impact so your settlement reflects what this collision has truly cost you.
Rideshare crashes can involve company policies that change depending on the driver’s status in the app. Different coverage may apply if the driver is waiting for a ride, en route to a pickup, or transporting a passenger. We identify each applicable policy and coordinate with your no-fault benefits to keep treatment moving. Evidence of app status, trip logs, and communications can be important. We assemble medical records, wage loss proof, and future care opinions to present a complete claim. Our goal is a fair resolution that acknowledges how the crash disrupted your life.
Minnesota weather can affect stopping distances and visibility, leading to chain-reaction crashes. When multiple drivers and insurers are involved, responsibility can be disputed. We gather photographs, witness statements, and available video to piece together the sequence of events. Vehicle data, repair estimates, and scene measurements often help clarify impact forces and fault. With these collisions, prompt communication with insurers and careful coordination of benefits are essential. We work to protect your position while treatment continues, ensuring your claim includes all losses—from medical care and missed work to the day-to-day challenges you now face.
We focus on people first. That means responsive communication, thoughtful planning, and a thorough approach to evidence. From the first call, we learn your priorities and tailor a plan that fits your medical care, work schedule, and family needs. We coordinate no-fault benefits, gather records, and identify all coverage, including rideshare and commercial policies where applicable. Our goal is to reduce stress, protect your rights, and build a clear, organized claim file that supports fair negotiation and, if necessary, prepares your case for litigation in Minnesota courts.
Local knowledge matters. We understand how Richmond roads, weather patterns, and traffic conditions can influence a crash. We also know what insurers look for and how to present your injuries and losses so decision-makers see the full picture. You will receive regular updates and honest timelines, so you always know where things stand. Whether your case is straightforward or complex, we keep the process moving, communicate with providers, and make sure your records are complete. That consistent effort helps avoid delays and supports better results during negotiations.
Access to your legal team should be simple. When you call, you speak with people who know your case and can answer questions. We use checklists, calendars, and secure portals to keep documents organized and deadlines front and center. If a quick settlement makes sense, we pursue it. If an insurer will not make a fair offer, we are prepared to file suit and keep advancing your interests. Our approach is steady, practical, and focused on what matters most: your health, your time, and a fair outcome for your claim.
Our process is built to reduce stress and keep your case moving. We start with a free consultation to learn your story and outline immediate steps. Next, we coordinate no-fault benefits, gather records, and begin liability investigation. As treatment progresses, we track bills, wage loss, and future care needs while identifying all insurance coverage, including rideshare layers when applicable. When you reach a stable point in recovery, we prepare a settlement package with evidence and clear analysis. If offers fall short, we file suit and continue building the case for court.
We begin with a conversation about how the crash happened, your injuries, and your goals. We review available documents like the police report, photos, and insurance information. Then we outline your rights under Minnesota law and build a timeline that covers medical care, no-fault benefits, and potential liability claims. You will leave the call with action items and a clear understanding of what comes next. Early planning sets the tone, protects deadlines, and ensures your claim file starts out organized and ready for the steps ahead.
We listen carefully to your account, confirm key details, and gather evidence right away. That includes photographs, witness information, repair estimates, and any available video. We request the police report and start a checklist for medical providers so records and bills arrive consistently. This early work helps preserve evidence and builds a strong foundation for your claim. With a clear picture of the facts, we can address comparative fault arguments and identify all insurance policies that may apply, including rideshare or commercial coverage when relevant to your case.
We explain Minnesota no-fault benefits, how to report the claim, and which forms to complete. You will know what to say if insurers call, how to track expenses, and when to follow up with providers. We set expectations for treatment milestones and discuss how settlement timing often relates to medical stability. If there are urgent issues—like vehicle repairs or missed pay—we provide immediate steps. Clear direction in the first days helps you avoid common pitfalls and keeps your case positioned for a fair outcome from the start.
As you treat, we coordinate benefits, collect records, and track your progress. We make sure providers bill the correct insurer and that wage loss documentation is complete. At the same time, we advance the liability investigation with scene analysis, statements, and coverage reviews. We evaluate pain and suffering, future care needs, and any permanent limitations. By the time you reach a stable point in recovery, your file includes organized medical records, bills, wage proof, and a clear narrative that explains how the crash changed your work, home life, and well-being.
We help you use Minnesota no-fault benefits effectively while preserving your ability to pursue additional compensation from the at-fault party. We track medical bills, therapy notes, and mileage; gather employer statements; and log out-of-pocket costs. If health insurance becomes involved, we monitor liens and reimbursement issues. Accurate, ongoing documentation creates a reliable damages picture and prevents gaps that insurers might challenge. This steady work means your settlement package will reflect real numbers supported by records, rather than estimates that leave room for pushback or unnecessary delays.
We secure the police report, interview witnesses, and analyze photos and available video. When appropriate, we consult with reconstruction professionals and request vehicle data. We identify all insurance layers, including rideshare coverage if the driver was using an app. This investigation helps counter comparative fault claims and supports a clear presentation of responsibility. By developing liability evidence in parallel with medical documentation, we build leverage for negotiation and ensure that, if litigation is needed, your case is already supported by the facts necessary for a strong courtroom presentation.
When treatment stabilizes and records are complete, we prepare a settlement package with medical summaries, bills, wage proof, and a detailed analysis of pain and limitations. We negotiate with insurers using timelines, photos, and liability evidence to support our demand. If offers remain low, we file suit within the applicable deadlines and continue building your case through discovery and motions. Throughout, you receive updates and clear explanations of options so you can make informed decisions. Our goal is a fair resolution that reflects the full impact of your injuries.
A strong settlement package tells your story with precision. We organize medical records, highlight provider opinions, and explain the day-to-day effects of your injuries using journals, photos, and statements. We include wage loss proof and outline future care needs where appropriate. The liability section addresses fault clearly, using evidence gathered earlier. This comprehensive presentation helps adjusters understand the value of your claim and the risks of undervaluing it. Well-prepared demands lead to more productive negotiations and set the stage for litigation if reasonable offers do not follow.
If negotiations stall, we protect your rights by filing a lawsuit within the required time limits. Litigation allows us to take depositions, request documents, and present motions that clarify key issues. We continue settlement discussions while preparing for trial, keeping you informed about timelines and choices. Many cases resolve during litigation, as the evidence becomes clearer and both sides assess risk. If trial is the best path, your case will be supported by organized records, credible testimony, and a clear narrative of how the crash affected your life and future.
Start by checking for injuries and calling 911. Seek medical attention even if you feel okay; symptoms can appear later. Exchange information, photograph the scene, and gather witness contacts. If it’s safe, capture vehicle positions, traffic signals, and weather conditions. Notify your insurer and request a claim number. Avoid guessing about fault or injuries in early statements. Keep receipts, track missed work, and save all correspondence. These steps preserve evidence and help your claim proceed smoothly. Within a day or two, begin a simple recovery journal noting pain levels, limitations, and treatment. Provide your no-fault claim information to medical providers so bills flow correctly. Ask for the police report and confirm its details. If an adjuster asks for a recorded statement, keep answers concise and factual. If you feel uncertain, pause and get guidance. Early organization reduces stress, supports accurate valuation, and helps prevent delays with insurers while you focus on healing.
Minnesota’s no-fault system provides Personal Injury Protection benefits through your own policy, regardless of fault. These benefits can cover medical bills and a portion of lost wages, helping you start treatment promptly. You must submit forms and documentation on time, and providers should bill the no-fault carrier first. No-fault does not automatically pay for everything; limits apply, and certain losses are not covered. Keeping records organized ensures benefits are used effectively from the start. If your injuries meet legal thresholds or another driver is responsible, you may pursue a liability claim in addition to no-fault. That claim can include categories like pain and suffering, future medical care, and full wage loss. Evidence matters: medical records, photographs, witness statements, and proof of expenses. Coordinating no-fault with liability and, if needed, health insurance prevents gaps. Our team helps sequence these benefits and claims so your recovery and case both move forward efficiently.
An offer may look reasonable at first, but it is important to compare it against your full losses, including future needs. Consider ongoing treatment, missed work, and how the crash affects daily life. Review whether medical records reflect your current symptoms and whether your providers anticipate additional care. Also check if liens, health insurance reimbursements, or unpaid balances could reduce what you take home. A quick review can confirm the offer or reveal gaps that deserve attention. We are happy to walk through the numbers with you. We assess medical bills, wage loss, pain and suffering, and potential future care before you sign a release. If the offer is fair, we will tell you. If it misses key elements, we can help present additional documentation and negotiate. The goal is not to slow things down, but to make sure you are not leaving support on the table that you may need later.
Minnesota applies comparative fault, which means your compensation can be reduced by your share of responsibility. Insurers may assert partial fault to minimize payouts, so clear evidence is important. Photographs, vehicle data, witness statements, and the police report can help establish what really happened. Do not assume you are out of options if you think you share some responsibility; a careful review may show a different picture than initial impressions. We investigate lane positions, impact points, traffic controls, and timing to address fault arguments. Even weather conditions, road design, and visibility can matter. When the facts are organized and presented clearly, negotiations tend to be more productive. If a fair settlement is not possible, filing suit preserves your rights and allows further evidence to be developed through discovery. Our focus is on presenting the truth of the collision and how it has affected your health and livelihood.
Rideshare cases involve coverage that changes depending on the driver’s app status. If the app is off, the driver’s personal policy may apply. If the app is on or a trip is accepted, rideshare coverage can provide additional layers. When a passenger is onboard, higher limits may be available. We collect trip data, communications, and policy information to confirm which insurer is responsible at each stage. Meanwhile, your no-fault benefits are used to begin treatment and wage replacement. Because multiple insurers may be involved, it is important to coordinate benefits and avoid inconsistent statements. We help providers bill the correct carrier, gather medical records, and present a clear damages picture. If liability is disputed, we investigate with photos, witness interviews, and, when appropriate, reconstruction analysis. Our goal is to align policies with your documented losses and move the claim toward a resolution that fairly reflects the impact of the crash on your life.
Timelines vary based on injury severity, treatment length, and disputes about fault or coverage. Straightforward cases with brief treatment can resolve within a few months after medical stability. Complex claims with ongoing care, rideshare coverage questions, or contested liability may take longer. It is usually best to wait until your condition stabilizes before final settlement, so the agreement reflects the full picture and you do not leave future care unaddressed. During your case, we keep you updated with realistic timelines. We file paperwork promptly, gather records as treatment progresses, and start negotiations once damages are well documented. If offers are fair, settlement can be quick. If litigation becomes necessary, we file suit within deadlines and continue building your case through discovery. Our goal is steady progress without sacrificing accuracy, so that when the case resolves, it reflects what you truly lost and what you may need going forward.
Depending on the facts, recoverable damages can include medical expenses, wage loss, and pain and suffering. You may also claim mileage to appointments, out-of-pocket costs, and, when supported, future medical care or diminished earning capacity. Property damage, rental car costs, and personal items affected in the crash are also part of the broader picture. Clear documentation helps ensure nothing is overlooked and supports a fair settlement. We work with your medical providers to obtain records that explain diagnoses, treatment, and limitations. We also gather employer statements, schedules, and pay stubs to calculate wage loss. Your journal, photographs, and witness statements help show the daily impact that is not captured by bills alone. When the evidence is complete, we present it in a compelling package that explains how the collision changed your life and why fair compensation is appropriate under Minnesota law.
Most car accident cases are handled on a contingency fee, meaning you pay no attorney fee unless we recover compensation for you. The fee is a percentage of the recovery, discussed clearly at the start of the case. Costs such as records, experts, and filing fees are also explained in writing so there are no surprises. We review how fees and costs are handled at settlement and what you can expect to take home after liens or reimbursements. Transparency matters. We provide a written agreement, regular updates about expenses, and copies of important documents. If settlement is quick and straightforward, costs may be limited. If litigation is necessary, we discuss anticipated expenses and strategy in advance. Our aim is to align our work with your goals while keeping finances clear from the first call through resolution, so you can make informed decisions at every stage of the process.
If the at-fault driver is uninsured or lacks sufficient coverage, your own policy may include uninsured (UM) or underinsured (UIM) motorist coverage. These benefits can step in to pay for losses that the other driver’s policy cannot. You still need to prove fault and damages, and your insurer may evaluate the claim as an adverse party. Coordinating UM/UIM with no-fault and health insurance is important to keep treatment moving and protect your rights. We review your policy, notify the insurer, and gather evidence to present a clear case. If the at-fault driver’s limits are low, we address setoff issues and confirm that all coverage layers are identified. When needed, we file suit to preserve deadlines and maintain leverage. Our approach focuses on accurate documentation and timely communication so your UM/UIM claim reflects the full impact of the crash on your health, work, and daily life.
Call as soon as you can after the crash. Early guidance helps you use no-fault benefits correctly, avoid recorded statement pitfalls, and preserve evidence while memories are fresh. We can also coordinate vehicle issues, connect with providers, and create a plan that supports both recovery and your case. A quick conversation often prevents small problems from becoming major delays or missed opportunities. At Metro Law Offices, we offer a free consultation to Richmond residents at 651-615-3322. We will discuss your injuries, the insurance landscape, and realistic timelines. Whether your case is likely to resolve quickly or needs a more comprehensive approach, you will leave with concrete next steps. There is no obligation—just straightforward advice tailored to Minnesota law and the practical realities of your life after a crash.
