Chapter 65B — Minnesota No-Fault Automobile Insurance Act

604.16 Liability for Loss Suffered as a Result of Peace Officer Pursuit; Penalties A person who runs from the police in a motor vehicle is responsible for all injuries and property damage that happen … 65B.001 Definitions This section defines key terms used in Minnesota's auto insurance laws, including what counts as a private passenger … 65B.01 Purposes, Construction and Scope Minnesota guarantees that auto insurance will be available to anyone who cannot get it through normal channels, through … 65B.02 Definitions This section defines terms used in the Minnesota Automobile Insurance Plan, including who qualifies as an applicant, … 65B.03 Governing Committee The Minnesota Automobile Insurance Plan is run by a nine-member governing committee, with five members elected by … 65B.04 Plan of Operation The Minnesota Automobile Insurance Plan must have a written plan of operation that can be changed by a majority vote of … 65B.05 Power of Facility, Governing Committee The Minnesota Automobile Insurance Plan can issue insurance policies, handle claims, and hire people to manage these … 65B.06 Distribution of Risks; Coverage The Minnesota Automobile Insurance Plan provides specific types of coverage including liability insurance, … 65B.07 Other Provisions and Functions The Minnesota Automobile Insurance Plan must offer payment plans for premiums, educate the public about the plan, and … 65B.08 Rates Insurance rates charged through the Minnesota Automobile Insurance Plan must be approved by the commissioner and cannot … 65B.09 Agents Licensed insurance agents must offer to place coverage through the state plan for any qualified applicant they cannot … 65B.10 Eligibility To be eligible for coverage through the state plan, a qualified applicant must have been rejected, canceled, or denied … 65B.11 Use of Facility by Public If the commissioner finds that many qualified people are not able to access the Minnesota Automobile Insurance Plan, the … 65B.12 Right to Hearing; Construction of Plan of Operation Anyone covered by the state auto insurance plan or any member insurer can request a formal hearing on complaints about … 65B.13 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.131 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.1311 Coverage for Former Spouse After a divorce, a former spouse who was covered under the other spouse's auto insurance for at least six months must be … 65B.132 Student Discounts; Eligibility Insurance companies that offer good-student discounts on auto insurance for college and university students must also … 65B.133 Surcharge Disclosure Auto insurance companies must give you a written disclosure explaining when and how they can increase your premium … 65B.134 Comprehensive Coverage; Glass Breakage Auto insurance policies that include comprehensive coverage must offer the option to fully cover repair or replacement … 65B.135 Limousine Insurance Insurers providing coverage for limousines must carry at least $1,500,000 in aggregate liability insurance per accident … 65B.136 Minors A minor who is legally authorized to own a car can buy auto insurance, and the insurance contract is fully binding just … 65B.14 Definitions This section defines key terms for Minnesota's auto insurance cancellation and nonrenewal laws, including what counts as … 65B.15 Cancellation or Reduction in Limits During Policy Period An auto insurance company can only cancel your policy mid-term for specific reasons, such as nonpayment, fraud, license … 65B.16 Statement of Reasons for Cancellation or Reduction An auto insurance cancellation notice must state the specific reason for cancellation and give at least 30 days' notice … 65B.161 Refund of Premium on Cancellation When an auto insurance policy is canceled, the cancellation is not valid unless the insurance company returns the unused … 65B.162 Notice of Possible Cancellation Auto insurance applicants must receive a written notice in bold print at the time they apply, warning that the insurer … 65B.17 Renewal; Notice Not to Renew An auto insurer that refuses to renew your policy must give you at least 60 days' written notice with the specific … 65B.18 Proof of Mailing of Notice Proof that a notice of cancellation, coverage reduction, or nonrenewal was mailed to the policyholder's address on file … 65B.19 Notice of Cancellation or Nonrenewal When canceling or not renewing a policy, the insurer must tell the policyholder about their right to file a complaint … 65B.20 Immunity of Insurer or Commissioner; Use of Reasons for Cancellation Insurance companies, the commissioner, their agents, and anyone providing information about reasons for cancellation or … 65B.21 Insured's Right to Object to Cancellation or Nonrenewal If you believe your auto insurance was canceled or not renewed unfairly, you can file a written objection with the … 65B.22 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.23 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.24 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.25 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.26 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.27 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.28 Accident Prevention Course Premium Reductions Drivers age 55 and older who complete a state-approved accident prevention course get at least a 10 percent discount on … 65B.285 Antitheft Protection Device Premium Reduction Auto insurance companies must give at least a 5 percent discount on comprehensive coverage for vehicles equipped with … 65B.286 Snowmobile Auxiliary Lighting System Discount Snowmobile insurance companies must give at least a 5 percent premium discount for snowmobiles equipped with auxiliary … 65B.29 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.41 Citation This is the citation section for the Minnesota No-Fault Automobile Insurance Act. Sections 65B.41 through 65B.71 make up … 65B.42 Purpose This section states the five purposes of the Minnesota No-Fault Automobile Insurance Act: to compensate accident victims … 65B.43 Definitions This section defines the key terms used in the Minnesota No-Fault Automobile Insurance Act, including 'motor vehicle,' … 65B.44 Basic Economic Loss Benefits This section defines the basic economic loss benefits that every Minnesota auto insurance policy must provide under the … 65B.45 Rehabilitation Treatment and Occupational Training Your auto insurance company must pay for reasonable rehabilitation treatment and job training after an accident if it is … 65B.46 Right to Benefits Anyone hurt in a car accident in Minnesota has a right to no-fault basic economic loss benefits, including pedestrians … 65B.47 Priority of Applicability of Security for Payment of Basic Economic Loss Benefits When multiple insurance policies could cover an auto accident, this section sets the order of which one pays first. … 65B.472 Transportation Network Financial Responsibility Rideshare companies (like Uber and Lyft) and their drivers must carry specific levels of auto insurance at all times … 65B.48 Reparation Security Compulsory Every owner of a motor vehicle registered or mainly kept in Minnesota must carry auto insurance. The required coverage … 65B.481 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.482 Insurance Identification Cards Your auto insurance company must give you an insurance identification card for each vehicle on your policy. The card … 65B.49 Insurers This section sets forth the insurance coverage requirements for motor vehicles in Minnesota. It mandates that every auto … 65B.491 This is a cross-reference entry pointing to the income loss benefits provision in section 65B.44, subdivision 3a. 65B.50 Insurers' Certification of Basic Coverage Every auto insurer licensed in Minnesota must certify to the commissioner that it provides at least the minimum coverage … 65B.51 Deduction of Collateral Benefits From Tort Recovery; Limitation on Right to Recover Damages This section governs when accident victims can bring tort (negligence) lawsuits and what they can recover. It requires … 65B.52 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.525 Arbitration Procedure; Rules of Court This section requires courts to establish mandatory binding arbitration for no-fault benefit disputes and … 65B.53 Indemnity; Arbitration Between Obligors; Subrogation This section explains how insurance companies can recover money they paid out in no-fault claims. An insurer that pays … 65B.54 Claims Practices Insurance companies must pay no-fault benefits within 30 days of receiving proof of loss. If payments are late, they owe … 65B.55 Application for Benefits Under Plan of Security This section sets claim notification requirements and rules about lapses in disability or treatment for no-fault auto … 65B.56 Cooperation of Person Claiming Benefits If you are claiming no-fault benefits, you must cooperate with the insurance company. This includes attending medical … 65B.57 Economic Loss Benefits; Exemptions From Legal Attachment No-fault auto insurance benefits paid or owed to accident victims cannot be taken by creditors through garnishment, … 65B.58 Converted Motor Vehicles A person who steals or illegally takes a motor vehicle is not eligible for no-fault insurance benefits if they are … 65B.59 Races A person injured during an official vehicle race, or while practicing or preparing for one, is not eligible for no-fault … 65B.60 Intentional Injuries A person who intentionally causes or tries to cause injury to themselves or someone else is not eligible for no-fault … 65B.605 This is a cross-reference entry pointing to section 604.16, which covers liability for injuries during police pursuits. 65B.61 Benefits Primary; Subtractions; Coordination No-fault auto insurance benefits are generally the primary source of payment for car accident injuries, meaning they pay … 65B.62 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.63 Assigned Claims Plan Insurance companies that provide no-fault auto insurance in Minnesota must maintain an assigned claims plan and bureau … 65B.64 Persons Entitled to Participate in Assigned Claims Plan If you are hurt in a car accident and there is no insurance that covers your injuries, you may be able to get no-fault … 65B.65 Time for Presenting Claims Under Assigned Claims Plan A person seeking no-fault benefits through the assigned claims plan must file their claim within the same time period … 65B.66 Claims Against Wrong Insurer If you file a no-fault insurance claim with the wrong insurer and get denied because they were not the right company, … 65B.67 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.68 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.685 Standardizing Coverage The commissioner of commerce can create rules to limit the variety of auto insurance coverage options available, making … 65B.69 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.70 This section was repealed. It previously contained provisions that have been removed from Minnesota law. 65B.71 Compliance This section contains transition rules that applied when Minnesota switched from its old auto insurance system to the … 65B.80 Definitions This section defines terms used in Minnesota's motor vehicle theft investigation laws, including who counts as an … 65B.81 Disclosure of Information Insurance companies must share relevant policy and claims information with law enforcement investigating motor vehicle … 65B.82 Evidence Information shared between insurance companies and law enforcement during a motor vehicle theft investigation is … 65B.83 Enforcement An insurance company that intentionally refuses to share information with law enforcement about a motor vehicle theft … 65B.84 Automobile Theft Prevention Program The commissioner of public safety runs a statewide auto theft prevention program that distributes grants to law …