Perspectives

Your child did nothing wrong.  One day your son was walking on a sidewalk.  The driver of a car drove onto the sidewalk striking your child and causing a broken leg and concussion. Your first concern is your child’s well being, but once your son is discharged, paying the medical bills and covering your expenses while you are home caring for him are real issues. Fortunately, you found a good attorney and have received a settlement offer from the driver’s insurance company. But now you learn that a judge has to approve the settlement and has the right to say “no” on behalf of your son. Why is this procedure necessary? …

A liability claim is the claim made against another person who is responsible for the accident that caused your injury (usually referred to as the at-fault driver), for acting recklessly or negligently. If it has been determined that another person is liable for the accident, you may be able to recover damages for your injuries from that person or their insurance company. A liability claim is brought forth primarily for pain and suffering, wage loss, and excess medical bills that have not been paid for by your no-fault insurance company. …

As far as auto accidents go, many people know that Minnesota is a  “no-fault”  state.  But what does that mean, exactly?  Under Minnesota law, all motor vehicle owners are required to maintain no-fault insurance, in addition to liability insurance, on their vehicle(s)—this excludes motorcycles, which only require liability insurance. A no-fault insurance policy provides for “basic economic loss benefits.”  …

Is the car you drive covered by an automobile insurance policy? If it isn’t, make sure to change that as soon as possible. If it is, however, don’t take comfort that you’ll be fully covered if you get into an accident. It’s best to protect yourself in case you get into an accident caused by an uninsured or under-insured driver. …

Types of Insurance Coverage
There are several types of auto insurance coverages you should know about in case you are in a car wreck or when discussing your coverage with your insurance agent. …