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Insurance may cover DUI accidents, but the specifics depend on various factors. A skilled lawyer can help you understand your full legal rights and options after a DUI collision. Contact us to learn how we can assist you.
Will Insurance Pay for a Drunk Driving Accident in Minnesota?
Minnesota law allows insurance companies to exclude coverage for certain situations, such as intentional conduct or criminal actions. However, drunk driving accidents may still be covered under specific circumstances.
No-Fault Insurance Coverage
In Minnesota’s no-fault insurance system, your Personal Injury Protection (PIP) coverage may pay for some damages, even if you were at fault for the accident. This includes medical expenses and lost wages up to the policy limits.
You may also pursue additional compensation through an auto liability claim or personal injury lawsuit if the other party is partially at fault. Our experienced legal team can guide you through your options.
What Costs Does Insurance Cover in a Minnesota Drunk Driving Accident?
The amount of compensation you can receive depends on whether you were at fault for the accident and whether any exclusions apply.
Costs Covered if You Are the At-Fault Driver
If you are at fault, your PIP coverage provides the following compensation, assuming no exclusions apply:
- $20,000 for medical expenses
- $20,000 for non-medical expenses, such as:
- Hospital visits, surgeries, and medications
- Lost wages
- Replacement services like childcare and household maintenance
- Funeral expenses (if the insured person dies)
Additional Coverage
- Collision coverage may cover vehicle damage.
- Health insurance may cover healthcare costs if PIP is exhausted.
Costs Covered if You Are Not at Fault
If you are not at fault and your PIP coverage is exhausted, you may pursue compensation through auto liability claims or personal injury lawsuits. Minnesota drivers must carry the following minimum liability insurance:
- $30,000 for injuries to one person
- $60,000 for injuries to two or more people
- $10,000 for property damage
You can seek compensation for both economic losses (medical expenses, lost wages) and non-economic damages (pain and suffering, emotional distress).
Comparative Fault in Minnesota DUI Accidents
Minnesota follows a comparative fault system. This means:
- You can only recover compensation if you are less at fault than the other party.
- Your compensation will be reduced proportionally to your degree of fault in the accident.
How Our Minnesota Lawyers Can Help After a Drunk Driving Accident
- Assess your case
- Advise on your legal options
- Maximize your settlement or court verdict
