After an Accident
From notifying your insurer to documenting damages, here's how to file an accident claim in Minnesota.
Notify Your Insurer
Report the accident to your own insurer promptly, as most policies require. Because Minnesota is a no-fault state, your PIP coverage handles initial medical bills and lost wages.
Document Your Damages
Keep all medical records, bills, repair estimates, and proof of lost wages. Photos of injuries and property damage support your claim.
Be Careful With the Other Insurer
You're generally not required to give the other driver's insurer a recorded statement. Be cautious — your words can be used to reduce your claim.
Know When to Get Help
If injuries are serious, fault is disputed, or offers seem low, a free case review can clarify your options before you settle.
This article is general information, not legal advice. Every case is different. For guidance on your specific situation, call 973-566-5599 for a free, confidential case review.