Question 1

Does Minnesota allow UM/UIM stacking?

Accepted Answer

No. Regardless of the number of policies, vehicles, persons covered, claims made, vehicles or premiums shown on the policy or premiums paid, the limits for uninsured and underinsured coverage for two or more vehicles may not be added together to determine the limit available to an injured person for one accident (Minn. Stat. 65B.49, subd. 3a(6)). Which single limit applies depends on whether you were in a vehicle, in one you are insured under or not, or not in a vehicle (subd. 3a(5)).

Question 2

Are uninsured and underinsured coverages separate in Minnesota?

Accepted Answer

Yes. Every policy must provide separate uninsured and underinsured motorist coverages, each with at least $25,000 per person and $50,000 per accident, though an insurer need not provide limits above the bodily injury liability limit (65B.49, subd. 3a(1) and (3)).

Question 3

How does Minnesota underinsured coverage pay?

Accepted Answer

It is an add-on. The insurer's maximum liability is the amount of damages sustained but not recovered from the at-fault driver's policy, and no more than the underinsured limit (subd. 4a). With $100,000 of coverage, $250,000 of damages and $30,000 paid, it pays up to $100,000.

Question 4

Does no-fault reduce my UM/UIM claim?

Accepted Answer

Yes. No recovery is allowed under UM or UIM for basic economic loss benefits paid or payable, or that would be payable but for a deductible (subd. 3a(4)). Basic economic loss benefits are at least $20,000 for medical expense and $20,000 for income and other loss (65B.44, subd. 1).

Question 5

When can I recover for pain and suffering, and how long do I have to sue?

Accepted Answer

In a motor vehicle claim only if reasonable medical expense exceeds $4,000 or the injury causes permanent disfigurement, permanent injury, death or 60 days or more of disability (65B.51, subd. 3). Most negligence injury actions must be commenced within 6 years (541.05, subd. 1(5)); assault, battery and similar intentional torts have 2 years (541.07).

Minnesota UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Minnesota bars UM/UIM stacking by statute and makes underinsured coverage an add-on

Minnesota UM/UIM Stacking Calculator

Estimate your UM/UIM benefits

Minnesota bars UM/UIM stacking by statute and makes underinsured coverage an add-on

Go deeper

Related calculators