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Minnesota: rules and deadlines at a glance
Every 11 topic we track for Minnesota on one page. Open a topic for the details, the law it comes from and how Minnesota compares.
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Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 6 years (negligence) / 2 years (intentional torts) |
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| Property damage | 6 years |
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| Minimum liability | $30,000 / $60,000 / $10,000 |
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| Fault system | No-fault (PIP pays first; lawsuits limited) |
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| Shared-fault rule | Modified comparative: barred at 51% fault or more |
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| Acknowledge | 10 business days |
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| Accept or deny | 30 business days after notice of the claim (or a written explanation); 60 business days after proof of loss |
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| Pay | 5 business days after an agreed settlement |
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| Dollar limit | $20,000 ($4,000 for consumer credit) |
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| Filing fee | $65 plus law library fee |
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| Lawyers | Allowed |
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| Total loss rule | 80% of actual cash value |
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| Rule | Strict liability |
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| Details | Strict liability |
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| Rule | Modified comparative negligence (51% bar) |
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| When you are barred | Barred if you are 51% or more at fault |
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| Report required if | Death, injury, or over $1,000 damage |
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| Deadline | 10 days |
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| Handheld ban | Yes, all drivers (primary) |
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| Texting ban | Yes, primary |
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| Law type | Partial |
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| Who must wear one | Riders under 18 or with an instructional permit |
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| Drivers uninsured | 11.3% |
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| UM/UIM coverage | Uninsured and underinsured motorist required |
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