2025 Session Last amended: 1984 session

§ 65B.55 — Application for Benefits Under Plan of Security

Plain-Language Summary

This section sets claim notification requirements and rules about lapses in disability or treatment for no-fault auto insurance benefits. Insurers may require notice of a claim within six months of the accident, and may require proof of recurrence if there is a treatment gap of one year or more.

Practical Notes
When this applies: After a motor vehicle accident when filing a claim for no-fault benefits, or when benefits have lapsed and you need to resume them. Who this affects: Auto accident victims claiming no-fault benefits and their insurers. Key points: Insurers may set a claim notification deadline, but it cannot be shorter than six months from the date of the accident. Late notice does not disqualify you from benefits unless the insurer can show actual prejudice from the delay. Notice can be given in any reasonable fashion — no specific form is required. If there is a gap in treatment or disability of one year or more, the insurer may require medical proof of recurrence before resuming benefits.