In part 6 of our series dealing with claim denials by the at-fault driver’s insurance company, we are examining tort thresholds. This one is unique to Minnesota. Usually what that means is that you have had $4,000 or more in medical care that does not include x-rays, though some case law states that it includes some other types of imaging like CT scans and MRIs.
In general, if you get into a car accident, the other person is at fault for the accident, you have had $2,000 in care, and no other circumstances happening, they are going to deny the claim.
Now, there are ways to get around that. If you got a scar or a permanent injury, even if it is just a little one on your hand, you have got a permanent injury. This will allow you to bypass the monetary threshold.
There is also in-kind value, so if other people provided you services, even though it did not cost you anything, that would go towards that threshold. An example of this would be if you had a spouse, who is a nurse, caring for you. A value could be assigned to help you meet the threshold.
So, there are different ways to work around that, but if you do not meet a threshold one way or another, you are not going to have a claim.
If you would like to discuss your accident, text or call the car accident lawyers at 612-INJURED at (612) 465-8733 for a free consultation.
