MN DVS MN DVS Insurance and Financial Responsibility 3

Question 1

Under Minnesota's no-fault system, who pays your medical bills after an accident you did NOT cause?

Accepted Answer

Your own PIP coverage pays first

Answer

The at-fault driver's insurance pays first

Answer

The state's uninsured fund pays

Answer

The hospital bills you directly without insurance involvement

Question 2

What types of expenses does Minnesota's basic PIP coverage pay for?

Accepted Answer

Medical expenses, lost wages, and replacement services

Answer

Only emergency room visits

Answer

Vehicle repair costs only

Answer

Legal fees and court costs

Question 3

Under Minnesota PIP, what percentage of gross lost wages is typically covered after an accident?

Accepted Answer

75%

Answer

50%

Answer

85%

Answer

100%

Question 4

When can a Minnesota driver step outside the no-fault system and sue the at-fault driver for damages?

Accepted Answer

When injuries meet a serious injury threshold (e.g., permanent injury, disfigurement, or death)

Answer

In any accident regardless of severity

Answer

Only if the at-fault driver is uninsured

Answer

Only for accidents on private property

Question 5

What does uninsured motorist (UM) coverage protect you from in Minnesota?

Accepted Answer

Injuries caused by a driver who has no insurance

Answer

Damage caused by weather events

Answer

Mechanical failures in your own vehicle

Answer

Theft of personal items from your car

Question 6

In Minnesota, underinsured motorist (UIM) coverage applies when:

Accepted Answer

The at-fault driver's insurance is insufficient to cover your damages

Answer

You drive without a license

Answer

Your own vehicle is unregistered

Answer

You are driving outside state lines

Question 7

What is the consequence of providing false insurance information to a Minnesota law enforcement officer?

Accepted Answer

A misdemeanor or gross misdemeanor criminal charge

Answer

A small administrative fee

Answer

Mandatory community service only

Answer

A written warning from the DVS