The detrimental impact of automobile accidents on uncompensated injured persons, upon the orderly and efficient administration of justice in this state, and in various other ways requires that sections 65B.41 to 65B.71 be adopted to effect the following purposes:
(1) to relieve the severe economic distress of uncompensated victims of automobile accidents within this state by requiring automobile insurers to offer and automobile owners to maintain automobile insurance policies or other pledges of indemnity which will provide prompt payment of specified basic economic loss benefits to victims of automobile accidents without regard to whose fault caused the accident;
(2) to prevent the overcompensation of those automobile accident victims suffering minor injuries by restricting the right to recover general damages to cases of serious injury;
(3) to encourage appropriate medical and rehabilitation treatment of the automobile accident victim by assuring prompt payment for such treatment;
(4) to speed the administration of justice, to ease the burden of litigation on the courts of this state, and to create a system of small claims arbitration to decrease the expense of and to simplify litigation, and to create a system of mandatory intercompany arbitration to assure a prompt and proper allocation of the costs of insurance benefits between motor vehicle insurers;
(5) to correct imbalances and abuses in the operation of the automobile accident tort liability system, to provide offsets to avoid duplicate recovery, to require medical examination and disclosure, and to govern the effect of advance payments prior to final settlement of liability.
1974 c 408 s 2; 1978 c 674 s 57
Structure Minnesota Statutes
Chapters 59A - 79A — Insurance
Chapter 65B — Automobile Insurance
Section 65B.001 — Definitions.
Section 65B.01 — Purposes, Construction And Scope.
Section 65B.03 — Governing Committee.
Section 65B.04 — Plan Of Operation.
Section 65B.05 — Power Of Facility, Governing Committee.
Section 65B.06 — Distribution Of Risks; Coverage.
Section 65B.07 — Other Provisions And Functions.
Section 65B.11 — Use Of Facility By Public.
Section 65B.12 — Right To Hearing; Construction Of Plan Of Operation.
Section 65B.1311 — Coverage For Former Spouse.
Section 65B.132 — Student Discounts; Eligibility.
Section 65B.133 — Surcharge Disclosure.
Section 65B.134 — Comprehensive Coverage; Glass Breakage.
Section 65B.135 — Limousine Insurance.
Section 65B.15 — Cancellation Or Reduction In Limits During Policy Period.
Section 65B.16 — Statement Of Reasons For Cancellation Or Reduction.
Section 65B.161 — Refund Of Premium On Cancellation.
Section 65B.162 — Notice Of Possible Cancellation.
Section 65B.17 — Renewal; Notice Not To Renew.
Section 65B.18 — Proof Of Mailing Of Notice.
Section 65B.19 — Notice Of Cancellation Or Nonrenewal.
Section 65B.20 — Immunity Of Insurer Or Commissioner; Use Of Reasons For Cancellation.
Section 65B.21 — Insured's Right To Object To Cancellation Or Nonrenewal.
Section 65B.28 — Accident Prevention Course Premium Reductions.
Section 65B.285 — Antitheft Protection Device Premium Reduction.
Section 65B.286 — Snowmobile Auxiliary Lighting System Discount.
Section 65B.44 — Basic Economic Loss Benefits.
Section 65B.45 — Rehabilitation Treatment And Occupational Training.
Section 65B.46 — Right To Benefits.
Section 65B.47 — Priority Of Applicability Of Security For Payment Of Basic Economic Loss Benefits.
Section 65B.472 — Transportation Network Financial Responsibility.
Section 65B.48 — Reparation Security Compulsory.
Section 65B.482 — Insurance Identification Cards.
Section 65B.50 — Insurers' Certification Of Basic Coverage.
Section 65B.525 — Arbitration Procedure; Rules Of Court.
Section 65B.53 — Indemnity; Arbitration Between Obligors; Subrogation.
Section 65B.54 — Claims Practices.
Section 65B.55 — Application For Benefits Under Plan Of Security.
Section 65B.56 — Cooperation Of Person Claiming Benefits.
Section 65B.57 — Economic Loss Benefits; Exemptions From Legal Attachment.
Section 65B.58 — Converted Motor Vehicles.
Section 65B.60 — Intentional Injuries.
Section 65B.61 — Benefits Primary; Subtractions; Coordination.
Section 65B.63 — Assigned Claims Plan.
Section 65B.64 — Persons Entitled To Participate In Assigned Claims Plan.
Section 65B.65 — Time For Presenting Claims Under Assigned Claims Plan.
Section 65B.66 — Claims Against Wrong Insurer.
Section 65B.685 — Standardizing Coverage.