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Is no-fault insurance optional? No-fault insurance is mandatory in 18 states. Importantly, some states require that medical expenses incurred in the accident are covered by medical payments insurance (or med pay), not no-fault insurance. Here are a few things no-fault insurance may cover for no-fault policy owners and their passengers:
Minnesota also has a no-fault law regarding insurance. This does not mean that insurance covers all damage resulting from collisions regardless of who is at fault. Rather, no-fault covers only personal injuries caused by a vehicle accident. The minimum no-fault coverage that a driver is required to carry is $40,000.