Car Accidents

If you are involved in a car accident in Minneapolis, your first priority should be safety. Move to a safe location if possible and call 911 to report the accident. Minnesota law requires drivers to exchange contact and insurance information, and if injuries or significant damage occur, a police report must be filed. Seek medical attention right away, even if injuries seem minor, because some symptoms appear later. Document the scene by taking photos of vehicle damage, road conditions, and injuries. Collect witness information if available. After addressing urgent medical and safety concerns, contact your insurance company to notify them of the accident. However, avoid making recorded statements or accepting settlement offers before consulting with a lawyer. Insurance companies often try to minimize payouts. At Goss Law, we help car accident victims in the Twin Cities protect their rights by handling communication with insurers, investigating fault, and pursuing full compensation for medical bills, lost wages, and pain and suffering. Consulting with a Minneapolis car accident attorney early ensures that evidence is preserved and that you avoid mistakes that could weaken your claim.

Minnesota is a no-fault insurance state, meaning that after a car accident, your own auto insurance pays for medical bills and certain other expenses regardless of who caused the crash. This coverage is called Personal Injury Protection (PIP), and Minnesota law requires all drivers to carry it. PIP typically covers up to $20,000 in medical expenses and $20,000 in lost wages, but serious accidents often result in higher costs. If your expenses exceed the no-fault limits, you may pursue a claim against the at-fault driver’s insurance for additional compensation. This may include damages for pain and suffering, permanent disability, or future medical care. The rules can be complex, especially if multiple parties are involved or insurance companies dispute coverage. At Goss Law, we help clients navigate Minnesota’s no-fault system and identify when it is appropriate to pursue further compensation. A Minneapolis car accident lawyer ensures that claims are filed correctly, deadlines are met, and victims recover the maximum benefits available. Without legal help, accident victims often accept less than they deserve, leaving them responsible for significant medical and financial burdens.

Unfortunately, not all drivers in Minneapolis carry insurance, even though it is required by law. If you are hit by an uninsured or underinsured driver, you may still have options for compensation. Minnesota requires drivers to carry Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage as part of their auto insurance policies. UM coverage pays for injuries caused by drivers who have no insurance, while UIM coverage applies when the at-fault driver’s insurance is not enough to cover your damages. These coverages can help pay for medical bills, lost wages, and pain and suffering. However, insurance companies may still deny or minimize UM/UIM claims, arguing that your damages are not as severe as claimed. At Goss Law, we advocate for accident victims in the Twin Cities to ensure they receive the full value of their uninsured and underinsured motorist benefits. We investigate accidents, gather medical records, and negotiate aggressively with insurers. If necessary, we are prepared to file lawsuits to secure compensation. A Minneapolis car accident attorney ensures you are not left paying the price when another driver’s negligence and lack of coverage cause serious injuries.

The value of a car accident claim in Minneapolis depends on many factors, including the severity of injuries, medical expenses, lost wages, future treatment needs, property damage, and pain and suffering. Minnesota’s no-fault system guarantees certain benefits through your PIP coverage, but cases involving serious injuries often require pursuing claims against the at-fault driver. Settlement amounts vary widely—from a few thousand dollars in minor cases to hundreds of thousands or more for catastrophic injuries. Insurance companies frequently attempt to settle quickly for less than full value, hoping victims accept before fully understanding the long-term impact of their injuries. At Goss Law, we work with medical experts, financial professionals, and accident reconstruction specialists to calculate the true cost of your damages. We present strong claims to insurers and, when necessary, file lawsuits to secure fair results. While no attorney can guarantee a specific outcome, working with a Minneapolis car accident lawyer ensures that your claim is thoroughly documented and pursued for maximum compensation. Our approach is straightforward and practical: evaluate the facts, fight for what is fair, and keep clients informed every step of the way.

Hiring a lawyer is not legally required after a car accident, but it is often the smartest decision—especially in cases involving serious injuries or disputed liability. Insurance companies are businesses whose goal is to minimize payouts. They may deny claims, delay payments, or pressure victims into low settlements. A Minneapolis car accident attorney levels the playing field by handling communication, investigating the accident, and negotiating with insurers. At Goss Law, we assist Twin Cities clients by filing insurance claims, gathering medical records, interviewing witnesses, and consulting experts. We also prepare cases for trial if insurers refuse fair offers. Victims who work with attorneys often recover significantly more compensation than those who handle claims alone. Even if you believe your case is straightforward, unexpected issues—like medical complications or disputes over fault—can arise. Having a lawyer ensures you are protected from the start. Our approach is practical and honest: we guide clients through the process, explain their options, and fight for fair results. After a car accident in Minneapolis, consulting with a lawyer as soon as possible helps preserve evidence and protect your right to recovery.