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Whose no-fault insurance pays?

The following rules apply to the issue of which No-Fault insurance company has to pay:

  1. IF YOU ARE ON THE JOB WHEN INJURED: Your employer’s Workers’ Compensation insurance pays first.  No-Fault is a back-up coverage.
  1. OWNER OF VEHICLE RIDING IN OR DRIVING OWN VEHICLE AND THAT VEHICLE IS INSURED: The No-Fault comes from the insurance on the car that you are in.
  1. PASSENGER OR DRIVER IN A NON-OWNED VEHICLE AND YOU OR A FAMILY MEMBER WITH WHOM YOU ARE LIVING HAS CAR INSURANCE: If you have insurance on another vehicle (or are a family member living with someone who has an insured vehicle), you have No-Fault coverage under that policy and that coverage applies.
  1. PASSENGER OR DRIVER IN A NON-OWNED VEHICLE WITH NO INSURANCE OF YOUR OWN AND YOU DO NOT OWN A VEHICLE BUT THE VEHICLE THAT YOU ARE IN HAS INSURANCE: In this case, the No-Fault coverage comes from the insurance on the vehicle which you were in at the time of the accident.
  1. PASSENGER OR DRIVER IN A NON-OWNED VEHICLE WITH NO INSURANCE OF YOUR OWN, YOU DO NOT HAVE INSURANCE, BUT YOU OWN A NON-INSURED VEHICLE: In this case, there is no No-Fault insurance available to you.
  1. YOU ARE A PASSENGER OR DRIVER OF A NON-OWNED VEHICLE WHICH HAS NO INSURANCE AND YOU DO NOT OWN A VEHICLE OF YOUR OWN (and consequently have no insurance coverage): You may be able to qualify for Assigned Risk Coverage through the State of Minnesota which will provide No-Fault coverage. You may qualify if you do not own a vehicle and do not live as a part of a family unit with anyone who does.

PEDESTRIAN OR BICYCLE RIDER:  The No-Fault coverage is your own or if not, on the car that hits either the pedestrian or the bike rider.

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