A car insurance provider within the state of Minnesota cannot increase insurance premiums based upon the bringing of a No-Fault Benefits claim, unless the claimant/insured is deemed to be over 50% at-fault for a collision. Minn. Stat. 72A.20 (2011), subdivision 23, states:
No insurer that offers an automobile insurance policy in this state shall use an applicant’s prior claims for benefits paid under section 65B.44 as an underwriting standard or guideline if the applicant was 50 percent or less negligent in the accident or accidents causing the claims.
In Minnesota, your first layer of insurance benefits typically comes from your own car insurance policy. These initial benefits are called No-Fault Benefits.
People that are not at fault for a collision are often times afraid that their initial claim for No-Fault Benefits against their own car insurance provider will cause their own insurance premiums to increase – this is not the case. So long as the insured/claimant was not over 50% at fault for the occurrence of the collision, insurance premiums cannot increase based upon a claim for No-Fault Benefits.