ClaimValuator
Free case review

Minnesota Injury Claim Rules

Rules cited to Minnesota’s statutes and case lawRules checked How we calculate

Fault rule51% barYou recover if you are 50% or less at fault. The award is cut by your share.Minn. Stat. § 604.01
Filing deadline6 yearsFrom the date of the injury.Minn. Stat. § 541.05
Minimum insurance30/60/10Per person, per crash, property. Minnesota is a no-fault state.
Damage capsNone on injury damagesPunitive and malpractice damages can be capped separately.

Calculators with these rules built in

Minnesota personal injury settlementAny injury someone else caused, valued under your state’s fault rule.Minnesota car accident settlementInjury value plus your vehicle claim, with policy limits and no-fault rules.Minnesota truck accident settlementCommercial policies carry far higher limits. See what that changes.Minnesota motorcycle accident settlementSevere-injury ranges, fault disputes and the rider’s own coverage.Minnesota pedestrian accident settlementHit on foot, including crosswalk fault and your own auto coverage.Minnesota bicycle accident settlementCyclist claims under your state’s fault rule.Minnesota rideshare accident settlementUber and Lyft layered coverage, by the driver’s app status.Minnesota slip and fall settlementPremises claims, where proving the owner knew is half the case.Minnesota dog bite settlementStrict-liability and one-bite states, and the homeowner’s policy that pays.Minnesota wrongful death settlementLost support, household services and companionship, valued today.Minnesota pain and sufferingCompare the multiplier and per-diem methods side by side.Minnesota settlement offer checkerPlace an insurer’s offer inside your state’s range.Minnesota demand letterA ready-to-edit demand letter for the insurance adjuster.Minnesota filing deadlineYour last day to file an injury lawsuit, by state and claim type.Minnesota comparative faultHow your share of fault changes the award under your state’s rule.Minnesota policy limits and um/uim gapWhen the other driver’s policy runs out, and what your own covers.Minnesota no-fault and pipPIP benefits in the 12 no-fault states, and when you can sue.

This page collects the rules that decide what an injury claim is worth in Minnesota: who can recover when both sides share the blame, how long you have to sue, what insurance drivers must carry and whether the state caps damages. Every rule links to the statute or court decision behind it, and every calculator on this site uses these same values.

Minnesota is a no-fault state, so car crash claims start with your own PIP coverage. 51% bar decides how fault affects everything else.

Minnesota injury claim rules

Fault. Minnesota uses modified comparative fault with a 51% bar. If you are found 20% at fault, your award drops by 20%. At 51% or more, you recover nothing. Insurers know this, so expect them to argue your share up.

Filing deadlines. You have six years from the injury to file a personal injury lawsuit. Families have three years for a wrongful death claim, usually counted from the date of death. Six years for negligence. Two years for intentional injuries such as assault. Claims against a government agency need written notice much sooner.

Car insurance. Minnesota is a no-fault state. Your own personal injury protection (PIP) pays your medical bills and part of your lost income first, up to $40,000: $20,000 for medical bills and $20,000 for income and other losses, whoever caused the crash. To claim pain and suffering from the at-fault driver, you need $4,000 in medical bills (not counting diagnostic X-rays and rehabilitation), or 60 days of disability, a permanent injury or disfigurement, or death. Liability minimums are 30/60/10.

Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.

Dog bites. Owners are strictly liable when a dog attacks or injures someone acting peaceably where they had a right to be, without provoking it.

Minnesota injury claim questions

Can I still get a settlement in Minnesota if I was partly at fault?

Yes, as long as you were 50% or less at fault. Your award is reduced by your percentage, and at 51% or more you recover nothing.

How long do I have to file a personal injury lawsuit in Minnesota?

six years from the injury in most cases. Six years for negligence. Two years for intentional injuries such as assault.

Who pays a personal injury settlement?

Usually the at-fault party’s insurer: auto, homeowner’s or business liability coverage. The policy limit often sets the practical ceiling.

Does Minnesota cap pain and suffering damages?

Not in most injury cases. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.