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Minnesota · State Law Library Hub
Minnesota Auto Insurance & Crash Law Library
A public legal education and research library for Minnesota no-fault auto insurance, PIP, UM/UIM, comparative fault, damages and settlement.
Minnesota State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. The Minnesota library remains subject to substantive legal-currentness and source-integrity review; consult current official authority and the actual policy before relying on a summary.
Getting Started in Minnesota
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, crash investigation and evidence preservation.
Damages, PIP & Resolution
Damages, no-fault threshold, wrongful death, PIP, reimbursement and settlement.
Case Authority
Minnesota statutes and appellate authority organized by issue.
Guide 01 · Minnesota Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep no-fault benefits, liability, UM/UIM and reimbursement questions distinct. Identify the possible insurer for each benefit rather than assuming the occupied vehicle’s policy answers every question.
List the drivers, owners, household members, injured people and possible employers. Begin with Guide 02 and Guide 21 to organize basic benefits, medical expenses and insurer-priority questions.
Use Guide 03, Guide 04, Guide 05 and Guide 06. Gather declarations, endorsements and effective dates before deciding which policy responds or whether limits can be combined.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Read Guide 17 with each party’s conduct in view. Keep a separate deadline calendar and consult Guide 16 when appropriate.
Read Guide 19 for damages and threshold questions, Guide 22 for settlement, and the case-authority library. Check the actual policy, reimbursement interests and official sources; the broader legal review remains pending.
Minnesota Published-Law Snapshot
Issues identified in the existing Minnesota library
30 / 60 / 10 liability
The existing library states Minnesota’s minimum liability structure as 30/60 bodily injury and $10,000 property damage.
$40,000 basic PIP
The existing library treats $40,000 in basic economic-loss benefits as central to Minnesota crash claims.
Mandatory 25 / 50 UM/UIM
The existing library describes separate uninsured and underinsured motorist protection at minimum 25/50 limits.
Modified comparative fault
Minn. Stat. § 604.01, subd. 1 compares claimant fault with the fault of the person against whom recovery is sought. Do not assume that all defendants’ percentages can be combined; review the statute and controlling decisions with Guide 17.
No-fault tort threshold
The existing library identifies a statutory threshold for noneconomic damages, including a medical-expense route and qualifying injuries.
Minnesota Commerce
The Department of Commerce is the principal insurance regulator and consumer resource.
Currentness status: this layout update retains the previously published Minnesota content except for a targeted correction to the comparative-fault summary, aligned with § 604.01 and Guide 17. The broader Legal Currentness and Source Integrity reviews remain pending in the Registry.
Primary Research
Official Minnesota research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Minnesota Statutes
Open statutes →Minnesota Department of Commerce
Open regulator →Minnesota DVS
Open DVS →Minnesota Judicial Branch
Open courts →Minnesota State Patrol
Open State Patrol →Minnesota Rules
Open rules →How this library stays current
Build the complete Minnesota coverage and claim map
Identify mandatory PIP, UM/UIM, liability coverage, tort-threshold issues, every policy and insured, comparative fault, evidence, damages, insurer conduct, PIP priority/reimbursement and release consequences before claim closure.
Keep no-fault benefits separate from the remaining liability questions.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and verify priority, damages, reimbursement and release consequences before treating the claim as complete.