According to the National Highway Traffic Safety Administration (NHTSA), a head-on collision is a serious accident that involves two vehicles coming from opposing directions and colliding their front-ends together. If you were hurt or a family member lost his or her life in a head-on collision, you may file a claim through your insurance company to pay for your medical bills, lost wages, and some other losses.
At Ben Crump Law, PLLC, a St. Paul head-on collisions lawyer can provide personalized guidance toward pursuing compensation for your losses. Since Minnesota follows a no-fault insurance system, there are specific laws that your case must follow.
Get the legal help you want now with a free, no-obligation consultation by calling Ben Crump Law, PLLC at (800) 598-7557. We charge no attorneys’ fees until you win awards.
When Negligence Plays a Role in Your Case
The Legal Information Institute (LII) defines negligence as failing to behave at the standard of care that one would expect in a situation. In the context of head-on collisions, there are different reasons for the accident to occur due to negligence. A St. Paul head-on collisions lawyer can investigate the cause of your accident and preserve evidence when negotiating with your insurance company.
At Ben Crump Law, PLLC, we can represent you for head-on accident injury cases involving negligence due to:
- Intoxicated driving
- Distracted driving
- Driver error
- Not wearing corrective lenses
- Aggressive driving
- Malfunctioning vehicles
- And more
You may be able to pursue a settlement for the harm that someone inflicted upon you. Severe injuries or the loss of a family member are costly to one’s finances, future, health, and emotional wellbeing. Our legal team will go after an award that helps you pay for what you need to restore your life to as close to normal as possible.
For a free legal consultation with a head-on collisions lawyer serving St. Paul, call (800) 598-7557
Financial Awards Available for Head-On Collision Losses
Minnesota’s no-fault insurance laws contrast traditional at-fault insurance models used by other states. Instead of filing a claim with the negligent driver’s insurer, you initially work through yours under your required personal injury protection (PIP) policy.
The Minnesota Commerce Department states that you must carry at minimum $20,000 for medical care and $20,000 per non-medical expenses, a total of $40,000 of PIP coverage. Even though this money is available, an insurance company may try to pay you less than what your case is worth.
Ben Crump Law, PLLC will fight for fair compensation that pays for your:
- Current and future medical costs
- Prescription and medical device costs
- Travel expenses to doctors’ appointments
- Lost work wages and benefits related to the accident
- Funeral, burial, and cremation costs for fatalities
- Lost future earnings
- Replacement services losses
If your injuries are serious enough or your losses exceed the PIP coverage, there are other options available. A St. Paul head-on collisions lawyer can investigate your case to determine if other parties played a role, which insurance companies are liable for your financial award, and how you can work toward achieving your legal objectives.
St. Paul Head-On Collisions Lawyer Near Me (800) 598-7557
Excess Losses Not Covered by PIP Insurance
There are limits to the financial awards you can recover from a PIP policy. Once you hit these limitations, you can file a third-party claim against the negligent driver. Specific thresholds and rules apply to cases that utilize this option.
Under Minnesota Statutes § 65B.51, Sub 3, the conditions to file a third-party claim include having:
- Necessary and reasonable medical costs are $4,000 or greater
- A temporary disability that lasts at least 60 days
- A permanent injury
- A Permanent scar or disfigurement
If these items apply to your case, Ben Crump Law, PLLC can help you obtain a fair settlement or civil award for your excess losses not covered by PIP insurance. A St. Paul head-on collisions lawyer can communicate with your doctor to understand your prognosis and document your injuries adequately to prove your losses as you incur them.
Minnesota Statute of Limitations for Head-On Collision Injury Cases
Another element that impacts your head-on collision case is the applicable statute of limitations. In Minnesota, the statute of limitations is the timeline by which you have to pursue your claim in court. The general personal injury deadline in Minnesota is up to two years from the date of your injuries, under Minnesota Statutes § 541.07.
Missing the statute of limitations can negatively affect your claim in that you may no longer possess a legal right to compensation. However, there can be exemptions to this rule. As such, you may discuss the timeline of your case with a St. Paul head-on collisions lawyer if you need to confirm which ones apply.
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How Ben Crump Law, PLLC Will Help You
Instead of fighting with insurance companies and opposing counsel, concentrate on your physical and financial recovery. A St. Paul head-on collisions lawyer at Ben Crump Law, PLLC can support your situation by not asking for any form of advance payment and only receive payment for services when you do.
In addition to transparency, Ben Crump Law, PLLC can provide responsive legal care, including:
- Recommendations and resources for preventing further injury
- Claim documentation that proves your financial losses
- Procurement of expert witness testimony
- Negotiations with the insurance company to receive a fair settlement
- Representation of your case in civil court if applicable and necessary
The direction in which your case takes depends upon the facts and circumstances surrounding it. Consider hiring a St. Paul head-on collisions lawyer to represent you throughout the insurance claims process or civil court proceedings.
Start with a Free Consultation
If a driver injured you or a family member in a head-on collision, get the answers to your legal questions. Call Ben Crump Law, PLLC for a free consultation at (800) 598-7557.