Minneapolis Winter Car Crash Claims: Next Steps Now

Immediate Safety First

• Move to a safe location if you can do so safely.
• Turn on hazard lights and set out warning triangles or flares if available and safe to use.
• Call 911 to report the crash and request medical assistance if anyone is hurt.
• Do not stand in traffic—icy roads increase stopping distances and can reduce visibility.

Call Law Enforcement and Get an Official Report

Request that police come to the scene. An official crash report can document winter conditions (snow, ice, visibility), vehicle damage, and initial observations. Ask for the report number and how to obtain a copy later.

Document Winter Conditions and Damage

• Photograph the road surface (ice, slush, packed snow), tire tracks, sand/salt coverage, plow berms, and nearby signs or signals.
• Capture vehicle damage, license plates, and the positions of vehicles before they are moved—only if safe.
• Note weather details: temperature, precipitation, lighting, and visibility.
• Collect names and contact information for drivers and witnesses; exchange insurance details.

Get Medical Evaluation Early

Cold and adrenaline can mask pain. Seek prompt medical care even if you feel okay. Follow your provider’s instructions and keep records of diagnoses, medications, imaging, and time off work.

Notify Your Insurer and Preserve No-Fault Benefits

Minnesota is a no-fault state. Personal Injury Protection (PIP) may cover certain medical and related economic losses regardless of fault. See Minnesota Statutes, Chapter 65B. Report the crash to your insurer promptly, ask about required forms, and keep copies of all submissions.

Comparative Fault in Minnesota

Minnesota follows a modified comparative fault rule. If you are partly at fault, any recovery is reduced by your percentage of fault, and you can recover only if your fault is not greater than that of the parties you seek damages from. See Minnesota Statutes, § 604.01. Winter driving behaviors—speed for conditions, following distance, lighting, and tire condition—can affect fault assessments. Even with icy roads, drivers must use reasonable care for the conditions.

Evidence That Strengthens Winter Crash Claims

• Weather records (snowfall totals, temperatures, ice advisories) from reputable sources.
• Photos/video from dashcams or nearby businesses.
• Vehicle data (event data recorder downloads) where available and lawfully accessible.
• Repair estimates and total-loss valuations.
• Medical records tying injuries to the crash.
• Proof of wage loss or missed shifts.
• Copies of communications with insurers and adjusters.

Potentially Liable Parties

In addition to another driver, potential responsibility can involve vehicle owners, employers (if a commercial vehicle was involved), or entities responsible for maintenance of certain premises (for example, a private parking lot). Liability is fact-specific and depends on the circumstances.

When Weather Meets Negligence

Bad weather alone does not excuse unsafe driving. Common negligent acts in winter include failing to reduce speed, following too closely, not clearing windows or lights, using worn tires, or abrupt braking on ice. Documenting these factors helps establish how the crash occurred.

Common Insurance Issues in Winter Crashes

• Disputes over fault allocation due to black ice.
• Questions about whether damage pre-existed the crash.
• Delays while awaiting police reports or weather documentation.
• Requests for recorded statements—consider speaking with counsel before providing one.

Time Limits and Notice Requirements

Deadlines for injury claims and insurance benefits can vary based on the type of claim, the parties involved, and your policy. Claims involving government entities may have additional, earlier notice requirements. Because timing can affect your rights, consult Minnesota counsel promptly to understand what applies to your situation.

How an Attorney Can Help

• Investigate conditions and secure evidence quickly.
• Navigate PIP, liability, and uninsured/underinsured motorist claims.
• Calculate damages and address comparative fault arguments.
• Handle negotiations and, if necessary, litigation.
• Coordinate experts in accident reconstruction and meteorology.

FAQ

Do I have to be found 0% at fault to recover in Minnesota?

No. Under Minnesota’s modified comparative fault, your recovery is reduced by your percentage of fault, and you can recover so long as your fault is not greater than the combined fault of the parties you pursue.

Will PIP cover all my losses?

PIP can cover certain medical expenses and economic losses regardless of fault, subject to limits and policy terms. It may not cover all losses; additional claims may be available against at-fault parties.

What if black ice was involved?

Black ice does not automatically excuse negligence. Drivers must adjust speed and following distance for conditions. Evidence of reasonable care or lack thereof matters.

Should I give a recorded statement to the other driver’s insurer?

Consider speaking with an attorney first. Statements can affect fault assessments and claim value.

How soon should I contact a lawyer?

As soon as practical. Early guidance helps preserve evidence, meet deadlines, and avoid missteps with insurers.

Next Step: Get Case-Specific Guidance

Every crash is different. If you were hurt in a Minneapolis winter collision, consider a consultation to review your injuries, coverage, and potential claims before speaking extensively with insurers. Request a consultation.

Sources

• Minnesota Statutes, Chapter 65B (No-Fault Automobile Insurance)
• Minnesota Statutes, § 604.01 (Comparative Fault)

Disclaimer: This blog is for general information only and is not legal advice. Reading it does not create an attorney-client relationship. Laws and deadlines can change and may vary by facts; consult a Minnesota attorney about your specific situation.