Q. How Much Can I Get Paid In Medical Expenses?
A. Minnesota Statues 65B.44 allows up to $20,000 to be paid to you for your medical expenses from you own auto insurance as a result of a car accident.
Q. Do I Have To Stay With My Current Medical Clinic Which is Approved By My Personal Health Insurer When Seeking Treatment For my Injuries From the Car Crash?
A. No. Once you have called in your claim to your own Insurance Company you will be assigned a No-Fault adjuster, and you will be given a claim number which you may use for your treatment at any medical office or hospital. You will not be using your personal health insurance unless you have no automobile insurance coverage or your No-fault Benefits have been used up or cut off.
Q. What Kinds Of Expenses Are Covered Under Reasonable And Necessary Medical Expenses?
A. Minnesota Law requires that No-Fault Insurance pay for medical expenses that are reasonable and necessary such as: Medical, surgical, x-ray, optical, dental, chiropractic and rehabilitative services, prosthetic devices, prescription drugs, necessary ambulance and all other reasonable transportation expenses incurred in traveling to receive covered medical benefits; and hospital, extended care and nursing services. Also include are physical rehabilitation treatment and occupational training. All of the above care and treatment must be for injuries resulting from the motor vehicle accident.[Minnesota Statutes 65B.44]
Q. Can I Get Compensated For The Mileage And Parking Expenses I Incur When I Go For Medical Treatment?
A. Minnesota law requires that mileage to and from treatments and parking costs must be reimbursed as “reasonable transportation costs.” These are actual costs to claimant and most often are paid at the IRS rate of 48.5 cents per mile (2006), unless you can document higher costs that are reasonable. You are also entitled to reimbursement for the work hours you miss when you have to attend medical, physical therapy or other medically related appointments. The treatment must relate to your accident.
Q. If I Need Retraining And Rehabilitation As A Result Of My Injuries, Will My No-Fault Benefits Compensate Me?
A. Yes. However, the insured (you) must provide notice to the insurance carrier within sixty days of incurring $1,000 or more of rehabilitation expenses, or the available benefits may be limited to $1,000.
Q. How Much Time Should I Spend Treating With A Chiropractor?
A. Chiropractic care is in most cases very useful. We have found that insurance companies are more likely to pay fair compensation for a claim if the injured person has treated with a medical doctor along with a chiropractor. It is important for you to see a medical doctor of your choosing as soon after the accident as possible.
Always let your medical doctor direct your care. Follow your doctor’s orders and ask your doctor’s opinion about the need for chiropractic treatment or physical therapy. Return to your doctor periodically during your healing so that your doctor is informed about your injuries and will be able to write a letter as to the extent of your injuries. Chiropractic treatment should be balanced with medical treatment.
The Law Firm of Lord & Faris is a Minneapolis and St. Paul based personal injury law office that works for individuals and families throughout Minnesota including the following cities: Minneapolis, St. Paul, Plymouth, Burnsville, St. Louis Park, Golden Valley, Edina, Bloomington, Eden Prairie, Eagan, Richfield, Maplewood, Roseville, Brooklyn Park, Maple Grove, Blaine, Lakeville, Woodbury, Duluth, Coon Rapids, Lino Lakes, North Oaks, Stillwater, White Bear Lake, Minnetonka, Apple Valley, St. Cloud, Plymouth, Rochester, Wayzata, Excelsior, Chanhassen, Chaska, Mankato, Marshall, Hibbing, Brainerd.
Lord & Faris Law Firm
111 Third Ave South
Minneapolis, MN 55401
Our Minneapolis Personal Injury Attorneys are experienced in resolving and litigating issues resulting from a wide variety of injuries, including: