The No-Fault Act provides for $40,000.00 of coverage for basic economic loss benefits in all, with $20,000.00 being allocated for medical expenses and $20,000.00 for other no-fault benefits, including income loss, replacement services, funeral expense loss, survivors economic loss, and survivors replacement services loss arising out of the injury to any one person.

The Minnesota No-Fault Act does not apply to an injury unless the injury occurred in connection with the maintenance or use of a motor vehicle. Maintenance or use of a motor vehicle includes acts which are incident to the maintenance or use of such vehicle, including occupying, entering into and alighting from such vehicle. Maintenance or use of a motor vehicle does not include conduct within the course of a business or repairing, servicing or otherwise maintaining motor vehicles unless the conduct occurs off business premises.

In order for the Minnesota No-Fault Automobile Insurance Act to apply, a vehicle must be both subject to state registration laws and be self-propelled or a trailer attached to such a vehicle.

If the accident causing injury occurs within the borders of Minnesota, every person covered by insurance in some fashion that suffers economic loss from injury arising out of the maintenance or use of a motor vehicle or as a result of being struck as a pedestrian by a motorcycle , has a right to basic economic loss benefits, i.e. medical expenses, wage loss, etc.

No distinction is made between residents and non-residents. For all qualifying persons suffering loss from Minnesota automobile accidents, benefits will be payable.