Legal Question in Insurance Law in Minnesota

Re: concerning auto deer accident

In Minnesota, your own No-Fault insurer will pay your reasonable,necessary and causally related medical bills and wage loss.

The standard limits in Minnesota are $20,000.00 for medical bills and an additional $20,000.00 for wage loss and some miscellaneous benefits.

There are optional coverages that may provide you with more benefits if you elected those at the time you signed up with your agent. Check with your agent to be sure. i.e. stacking or higher limits

Unfortunately, other than No-Fault benefits, i.e. wage loss, medical expenses, replacement services, etc., you wll not be able to get any type of liability settlement for your accident.

Liability is based on negligence. In your case, you hit a deer, not another driver. Thus, there is no basis for a negligence claim against another driver. Your own Uninsured Motorist and Underinsured Motorist coverages only apply if you are legally entitled to recover against somone else.

If you have surgery, you may be entitled to replacement services of up to $200.00 per week to have someone else perform duties around your house that you normlly would have done. This is in addition to the $250.00 from wage loss. It does, however, reduce the amount you will ultimately be able to take in wage loss because the replacement services money comes from the same $20,000.00 pot as the wage loss benefits.