: Ensure a formal report is filed to establish fault.
: Notify the at-fault party’s insurance carrier.
: Your attorney negotiates with the insurance company for a fair payout.
: Minnesota is a no-fault state, meaning your own auto insurance (Personal Injury Protection or PIP) is usually the first to cover medical bills and lost wages (up to $20,000 each) after a collision, regardless of who caused it.
: Both sides exchange information (discovery) and often attend mediation with a neutral third party to find a compromise.