Frequently Asked Questions
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Car Accidents

General Questions Attorney Related Questions Insurance Questions
  1. What if I have no insurance?
  2. What if one of the other drivers has no insurance or has insufficient insurance to cover the cost of my damages?
  3. How does automobile insurance work in Minnesota?
  4. What is uninsured or under insured motorist coverage?
  5. Who is usually included in my uninsured/under insured motorist coverage?
  6. Who is usually covered by automobile liability insurance?
  7. Which vehicles are normally covered under an auto insurance liability policy?

Questions & Answers

What if I have no insurance?
Answer:
If you are a passenger in an automobile and do not own or insure an automobile of your own, you would be entitled to recover your medical expenses and wage loss from the policy of insurance insuring the vehicle at the time of accident. Alternatively, if you reside with an individual who owns an automobile, you may be entitled to no-fault coverage from that policy. Each case has to be investigated in order to reveal the priority of coverages.

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What if one of the other drivers has no insurance or has insufficient insurance to cover the cost of my damages?
Answer:
In Minnesota, uninsured motorist coverage and underinsured motorist coverages are mandatory to protect against circumstances of this nature. If an uninsured motorist causes an injury, your own insurance will stand in and provide the coverage necessary to compensate you for your injuries. Similarly, if an insured individual is underinsured, your company will again step in to compensate you for those uncompensated damages.

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How does automobile insurance work in Minnesota?
Answer:
In Minnesota, every operator of an automobile must carry liability, uninsured motorist, underinsured motorist coverage and no-fault coverage in order to protect individuals involved in automobile accidents. Regardless of fault, your no-fault coverage will compensate your for your medical expenses and time away from work occasioned by injuries.

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What is uninsured or under insured motorist coverage?
Answer:
In Minnesota, every operator of an automobile must carry liability, uninsured motorist, underinsured motorist coverage and no-fault coverage in order to protect individuals involved in automobile accidents. Regardless of fault, your no-fault coverage will compensate your for your medical expenses and time away from work occasioned by injuries.

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Who is usually included in my uninsured/under insured motorist coverage?
Answer:
All residents of the household are considered insured's for the purposes of uninsured and underinsured motorist coverage.

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Who is usually covered by automobile liability insurance?
Answer:
Those individuals injured through the negligence of another are entitled to assert claims under an automobile liability insurance policy for damages.

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Which vehicles are normally covered under an auto insurance liability policy?
Answer:
All automobiles are required to be insured with a policy of insurance providing liability, uninsured motorist coverage, underinsured motorist coverage, and no-fault coverage. The attorneys at Schwebel, Goetz & Sieben understand the traumatic and life-changing effects that serious injuries can have on both the victim and victim's family. It is important to know your legal rights if you or someone you care about is a victim of an automobile accident. For over 35 years, Schwebel, Goetz & Sieben, P.A. has represented more than 30,000 people who have been injured in all types of accidents, many of whom were injured in automobile accidents. In addition, our legal team has answered thousands of injury-related legal questions. When an injury from an auto accident occurs and legal help is needed, trust the experience and knowledge of Schwebel, Goetz & Sieben.

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