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

Under Minnesota's no-fault law, your own PIP coverage pays your medical expenses first, regardless of who was at fault for the accident.

Question 2

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

Accepted Answer

Medical expenses, lost wages, and replacement services

Answer

Minnesota's basic PIP covers medical expenses, a percentage of lost wages, and replacement services for tasks the injured person can no longer perform.

Question 3

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

Accepted Answer

75%

Answer

Minnesota's basic PIP covers 85% of gross lost wages up to the policy maximum when an injury prevents you from working.

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

Minnesota allows tort lawsuits against at-fault drivers only when injuries cross a serious threshold, such as permanent disability, disfigurement, or death.

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

Uninsured motorist coverage pays for your injuries and damages when the at-fault driver has no insurance and cannot compensate you.

MN DVS - Minnesota Driver and Vehicle Services Practice Test

MN DVS - Minnesota Driver and Vehicle Services Practice Test

MN DVS MN DVS Insurance and Financial Responsibility 3