Detailed Answer

Disclaimer: This article provides general information under Minnesota law and does not constitute legal advice. Consult a licensed attorney to address your specific situation.

1. Understand Minnesota’s No-Fault Medical Coverage

Under Minnesota’s No-Fault Automobile Insurance Act, a passenger injured in a vehicle accident may claim medical expense benefits regardless of fault. The insurer covers reasonable and necessary treatment up to policy limits. See Minn. Stat. § 65B.51.

2. Seek Prompt and Documented Medical Treatment

Immediately after the crash, visit the nearest emergency department or urgent care. Initial records establish injury severity and causation. Retain all discharge summaries, imaging reports and bills.

3. Schedule Regular Follow-Up Visits

Consistent care reinforces the link between the accident and your injuries. Return to your primary provider as directed and complete referrals to specialists (e.g., orthopedists, physical therapists). Keep appointment logs and record any missed visits with valid reasons.

4. Maintain a Single Treatment Team When Possible

Using the same clinic or physician group helps insurers track progress and mitigates arguments about fragmented care. If you must change providers, request and review a full transfer of medical records.

5. Track Symptoms and Self-Care Between Visits

Maintain a daily journal of pain levels, mobility limitations, medication use and therapy exercises. Photograph bruises, swelling or range‐of‐motion limitations. This contemporaneous proof bolsters your claim.

6. Authorize Release of Records and Coordinate with Insurers

Promptly sign and return any medical authorization forms from the insurer. Late or incomplete authorizations can delay benefit payments and impair your ability to access treatment.

7. Know and Monitor Policy Limits

Review your no-fault policy and the at-fault driver’s coverage. Minnesota law caps certain benefits. Understanding limits lets you plan additional care without coverage gaps.

Helpful Hints

• Bring an emergency contact to every appointment for support and note-taking.
• Carry a physical copy of your insurance card and claim number to each visit.
• Ask providers to include accident details in each medical note to reinforce causation.
• Keep a digital backup of all medical records and correspondence.
• Discuss potential disputes early with your insurer or legal adviser to address gaps in care.