Injured in an accident?

Contact Our Minnesota Accident Attorneys, 651-641-1500 Contact our attorneys today 24/7

Toll Free 1-800-257-LORD (MN) 612-333-LORD

Bankruptcy Relief
For 30 Years we have Helped People Solve Financial Difficulties.
Auto Accidents
Understand Your Legal Rights. No Fees Until We Win Your Case. Call Us 24/7.
Dangerous Drugs
Stroke, Heart Attack, Sudden Death. You may be entitled to Money Damages.

No-Fault Benefits Can Be Terminated – Our Attorneys at Lord & Faris Have the Experience to Help you Obtain and Maintain Your No-Fault Benefits

No-Fault Benefits Can Be Terminated And Here’s How It Can Happen:

Q. I Wasn’t Taking Good Care Of Myself And Just Didn’t Get Any Treatment For Any Of My Injuries For Over A Year And Now The Insurance Company Wants To Cut Off My Benefits. Can They Do That?

A. Termination is allowed when the insurer can show that the policy contains a one-year lapse provision and there was a one-year lapse in the treatment or disability. The no-fault insurer must notify you in writing sixty (60) days before the one-year lapse. It is important to have a yearly checkup to monitor your condition.. If your disability has lasted over one year, it can be argued that you should not be cut off.

Q. My Insurer Has Demanded That I Attend An I.M.E. What Is It And What Is Expected Of Me?

A. After providing no-fault benefits for a period of time, the insurer can demand that the injured person attend an ” IME” (independent medical examination better known as an Adverse Exam). This medical examination is always paid for by the no-fault insurer with the goal of cutting off the injured person’s no-fault benefits. By law you are required to attend. Your attorney will answer your questions about this examination.

Q. What Happens If I Get Cut Off From My No-Fault Medical Benefits?

A. If your benefits are terminated, you have a right to file a claim for mandatory arbitration with the American Arbitration Association. At the time the arbitration is filed, the unpaid benefits must total less than $10,000. Your attorney will assist you with arbitration. If your No-fault benefits are cut off, you must use your private health insurance for the payment of your medical bills related to the crash.

Q. What Reasons Might The Insurer Use To Deny My No-Fault Benefits?

A. The following are considerations which may be used to cut off your No-fault benefits:

  1. You have experienced similar complaints and injuries prior to the accident.
  2. Your early symptoms are inconsistent with later treatment.
  3. The medical records document that your symptoms have greatly improved.
  4. You fail to follow medical recommendations for follow-up visits, self-care, exercise, etc
  5. You have long periods where you have not treated with a medical doctor or physical therapist or chiropractor.
  6. You have a lack of objective findings. In other words, you have no way to prove the extent of your injuries other than your own testimony.
  7. You go to a doctor for health care unrelated to your accident and the medical records from that visit document that the “affected areas” (those injuries caused by the accident) are normal.
  8. You failed to report your injuries immediately after your crash or received no treatment for several weeks or months after the accident.
  9. After 9 months to a year, you have experienced no improvement with medical care. If this is the case, the insurer will likely terminate the benefits because they will argue that the treatments are not beneficial.
  10. You have had unusual treatment techniques, or unusually expensive or extensive treatment techniques.
  11. Your medical professional over-treats you, such as recommending treatments 3-5 times per week.
Two Minnesota Law Firm Locations

Minneapolis Office
701 4th Ave South
Suite 500
Minneapolis, MN 55415
(612) 333-Lord

St. Paul Office
332 Minnesota St.
Suite W3080
St. Paul, MN 55101
(612) 333-Lord

Minnesota Super Lawyers
Call for a FREE Consultation
612-333-LORD
Injured in an accident?
Want to ask a question?
Call our office today.
Free Case Evaluation

If you have been injured, we will evaluate your case at no charge. We work hard to take over the details of your claim, our settlements speak for themselves. Please contact us today for a free case evaluation.

Types Of Cases

"I want to take this time to thank Priscilla Lord Faris and staff for the many years of service you gave my case. I‘m very grateful for all you have done. I know that the payment you received was not enough to cover the many endless hours you gave my case."



test
tst
Copyright © 2012 Lord & Faris. This Website has been prepared for the purpose of providing information about Lord & Faris Law Firm, and the services it offers. Click here for the disclaimer. Our Attorneys are licensed only in the state of Minnesota unless otherwise indicated on the Attorneys biographical page. Lord & Faris Law Office | First Bank Building | 332 Minnesota Street | Suite W-3080 | St. Paul , MN 55101 | 612.333.Lord
Lord & Faris on Facebook  Lord & Faris on Twitter