How can I get reimbursed for medical bills in Minnesota if I was in a rental car accident (not at fault) and from out of state?

I was in Minneapolis to visit family. I rented a car and was in an accident where I wasn't at fault. I know that Minnesota is a no-fault state, but being from out of town, I don't have personal injury protection. What should I do?

Apr 23, 2021
Answer provided by
Eric Schad
Answered at Apr 23, 2021
“The answer to this question depends on whether you have your own car insurance policy for a personal vehicle.
Assuming you meet the minimum insurance requirements in your state, your policy will function as though you have the minimum amount of car insurance for Minnesota. Therefore, you can use personal injury protection coverage to pay for your medical bills.
If you don’t have your own car insurance, what type of insurance did you get from the rental company, if any? If you bought their personal accident insurance, this should cover your medical costs.”
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