What should I do after a traffic accident in Minnesota?

Stop immediately, call 911 if anyone is injured, exchange information, document the scene with photos, and report the accident if damage exceeds Fatality, any injury requiring medical treatment, disabling damage requiring a tow, or damage to fixtures/property [§ 169.09].

When do I need to report a traffic accident in Minnesota?

You must report an accident if damage exceeds Fatality, any injury requiring medical treatment, disabling damage requiring a tow, or damage to fixtures/property [§ 169.09], if anyone is injured or killed, or if the other driver leaves the scene. Failure to report can result in additional penalties.

Is Minnesota a fault or no-fault state?

Minnesota is a No-fault (Personal Injury Protection required; tort threshold for serious injury) state. This means the at-fault driver's insurance typically pays for damages. Under comparative negligence, your recovery may be reduced by your percentage of fault.

How long do I have to file a lawsuit after an accident in Minnesota?

The statute of limitations for personal injury claims from a traffic accident in Minnesota is 6 years. Property damage claims may have a different deadline. Missing the deadline means you lose the right to sue.

Should I hire an attorney after a traffic accident?

If you suffered injuries, significant property damage, or if fault is disputed, consulting an attorney is advisable. Most personal injury attorneys offer free consultations and work on contingency (no fee unless you win).

Topic guideUpdated 2026-02-27

Minnesota Traffic Accidents — Reporting & Legal Rights

Accident reporting requirements, fault system, statute of limitations, and insurance claims in Minnesota.

If you are involved in a traffic accident in Minnesota, you have specific legal obligations and rights. Minnesota is a No-fault (Personal Injury Protection required; tort threshold for serious injury) state for accident liability §169.09.

What to Do After an Accident

Stop immediately — leaving the scene is a criminal offense

Call 911 if anyone is injured or if damage exceeds Fatality, any injury requiring medical treatment, disabling damage requiring a tow, or damage to fixtures/property

Exchange information with the other driver (name, insurance, license)

Document the scene with photos and notes

Report the accident to law enforcement if required §169.09

Seek medical attention even for minor injuries

Notify your insurance company promptly

Accident Reporting Requirements

You must report an accident in Minnesota if damage exceeds Fatality, any injury requiring medical treatment, disabling damage requiring a tow, or damage to fixtures/property or if anyone is injured or killed §169.09.

Fault and Insurance

Minnesota follows a No-fault (Personal Injury Protection required; tort threshold for serious injury) system:

	Minnesota Rules
Fault System	No-fault (Personal Injury Protection required; tort threshold for serious injury)
Reporting Threshold	Fatality, any injury requiring medical treatment, disabling damage requiring a tow, or damage to fixtures/property §169.09
Statute of Limitations	6 years for personal injury

Statute of Limitations

You have 6 years from the date of the accident to file a personal injury lawsuit in Minnesota under the Statute of limitations. Property damage claims may have a different deadline.

✓Even if you think you were partially at fault, consult an attorney. Minnesota's No-fault (Personal Injury Protection required; tort threshold for serious injury) system may still allow you to recover damages depending on the circumstances.

Prepare for Your Consultation

Quick checklist (Traffic Violations)

Gather these before your first consultation.

Traffic citation copy

(date, location, violation code)

Driving record / MVR

(point history, prior violations)

Insurance and registration

(proof of coverage, vehicle reg.)

General preparation tips only. Specific needs depend on your state and violation type.

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