--- title: Out of State Insurer + Minnesota Accident = Coverage description: Minnesota's No-Fault automobile insurance law can be very confusing. In a nutshell, if you are injured in an automobile accident, your automobile insurer pays for your health related bills. --- [Dan's Desk](https://www.gallatin-law.com/blog/author/dan-gallatin) - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer) - [hugo](https://www.gallatin-law.com/blog/tag/hugo) - [MN](https://www.gallatin-law.com/blog/tag/mn) - [law](https://www.gallatin-law.com/blog/tag/law) - [attorney](https://www.gallatin-law.com/blog/tag/attorney) - [legal](https://www.gallatin-law.com/blog/tag/legal) [Subscribe](https://www.gallatin-law.com/blog/out-of-state-insurer-minnesota-accident-coverage#) 12/07/2016 # Out of State Insurer + Minnesota Accident = Coverage - - - - - [mailto:?subject=Out%20of%20State%20Insurer%20%2B%20Minnesota%20Accident%20%3D%20Coverage&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Fout-of-state-insurer-minnesota-accident-coverage](mailto:?subject=Out%20of%20State%20Insurer%20%2B%20Minnesota%20Accident%20%3D%20Coverage&body=https%3A%2F%2Fwww.gallatin-law.com%2Fblog%2Fout-of-state-insurer-minnesota-accident-coverage) Minnesota's No-Fault automobile insurance law can be very confusing. In a nutshell, if you are injured in an automobile accident, your automobile insurer pays for *your health related bills*. The **other driver's insurer**, if that other driver is at fault, pays for your **permanent injuries**. ![car accident](http://96bda424cfcc34d9dd1a-0a7f10f87519dba22d2dbc6233a731e5.r41.cf2.rackcdn.com/gallatinlaw/car_accident.jpg)But, what happens when someone from out-of-state is driving through Minnesota and gets in an accident? Moreover, what if the insurer from the out-of-state is not licensed to sell insurance in Minnesota? The Minnesota Supreme Court spoke to this recently in [Founders Insurance Company v. Yates](http://caselaw.findlaw.com/mn-court-of-appeals/1727487.html). In Yates, the insured vehicle was driving through Maplewood on a snowy December day in 2013. The vehicle was involved in an accident and the owner/driver received around $20,000 in medical care. The driver's insurer refused to pay for the benefits, arguing it is was not licensed to sell insurance in Minnesota and therefore could not provide the state required insurance benefits. In a refreshingly simple opinion, the Minnesota Supreme Court affirmed the reading of the statute requiring "every" insurance policy "wherever" issued to provide Minnesota No-Fault Benefits for accidents occurring within the borders of Minnesota. Insurance coverage issues are difficult and can lead to surprising results. If you or your business are in a coverage dispute with your insurer, call me to discuss your situation and let's work to get you covered. The material contained herein is provided for informational purposes only and is not legal advice, nor is it a substitute for obtaining legal advice from an attorney. Each situation is unique, and you should not act or rely on any information contained herein without seeking the advice of an experienced attorney. All information contained in links are the property of the linked site. - [accident](https://www.gallatin-law.com/blog/tag/accident), - [attorney](https://www.gallatin-law.com/blog/tag/attorney), - [hugo](https://www.gallatin-law.com/blog/tag/hugo), - [founders insurance company v yates](https://www.gallatin-law.com/blog/tag/founders-insurance-company-v-yates), - [insurance](https://www.gallatin-law.com/blog/tag/insurance), - [law](https://www.gallatin-law.com/blog/tag/law), - [lawyer](https://www.gallatin-law.com/blog/tag/lawyer), - [legal](https://www.gallatin-law.com/blog/tag/legal), - [minnesota](https://www.gallatin-law.com/blog/tag/minnesota), - [MN](https://www.gallatin-law.com/blog/tag/mn), - [out of state](https://www.gallatin-law.com/blog/tag/out-of-state) ![Dan Gallatin](https://www.gallatin-law.com/hubfs/assets-mjfw/site%20images/Dans-Desk.jpg) ## [Dan Gallatin](https://www.gallatin-law.com/blog/author/dan-gallatin) Dan is a lifelong resident of Minnesota. Born in St. Paul, Dan spent many of his formative years growing up there before moving to White Bear Lake. After graduating from White Bear Lake, Dan spent four glorious years at the University of Wisconsin-Madison, earning a degree in two majors. Dan worked as a Senior Investigator at the Minnesota Department of Commerce for several years after graduating from college. During his final years Dan attended William Mitchell College of Law while still working full-time. During this exhausting 3 ½ year period Dan honed his skills in becoming an efficient, to-the-point legal practitioner. While at Madison Dan met his wife, Tonya, and together they moved to Minnesota to plant their roots. Dan and Tonya have two amazing, unique children and reside in Hugo. ### CONNECT WITH ME - ## Related Posts [01/31/2018 Two Critical Automobile Coverages: Under and Uninsured Motorist Coverages I consistently have cases where I represent people seriously injured in automobile accidents. Serious cases with major injuries deserve more… Read Post ](https://www.gallatin-law.com/blog/two-critical-automobile-coverages-under-and-uninsured-motorist-coverages) [09/14/2016 Minnesota's Department of Commerce: Be Accurate, Be Honest Minnesota's Department of Commerce enforces the laws of Minnesota governing many regulated industries. Some of those industries are insurance,… Read Post ](https://www.gallatin-law.com/blog/minnesotas-department-of-commerce-be-accurate-be-honest) ### Subscribe Here! ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Dan Gallatin", "url" : "https://www.gallatin-law.com/blog/author/dan-gallatin" }, "dateModified" : "2020-08-21T22:41:40.525Z", "datePublished" : "2016-12-07T06:00:00.000Z", "headline" : "Out of State Insurer + Minnesota Accident = Coverage", "mainEntityOfPage" : { "@id" : "https://www.gallatin-law.com/blog/out-of-state-insurer-minnesota-accident-coverage", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gallatin-law.com/hubfs/logos/Gallatin-Logo-654x84.png" }, "name" : "Gallatin Law, PLLC" } } ```