Minnesota car accident leads
Summit Leads supplies car accident leads in every U.S. state, Minnesota included, through real-time ping/post, exclusive by default and filtered to the ZIP code. Minnesota is no-fault: a pain and suffering claim needs medical expenses above $4,000 or a qualifying injury under Minn. Stat. 65B.51 (2025 Minnesota Statutes).
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Minnesota facts for car accident lead buyers
| Fact | Value Source |
|---|---|
| Auto insurance system | No-fault; PIP pays medical expenses, lost wages and replacement services regardless of fault (Minnesota Department of Commerce, as of October 7, 2026)Auto Insurance Basics Minnesota Department of Commerce |
| Basic economic loss (PIP) minimum | $40,000 per person: $20,000 medical and $20,000 non-medical (Minn. Stat. 65B.44, subd. 1, 2025)Minnesota Statutes 65B.44, Basic economic loss benefits (2025) Minnesota Office of the Revisor of Statutes |
| Tort threshold | Medical expenses over $4,000, or permanent disfigurement, permanent injury, death, or disability for 60 days or more (Minn. Stat. 65B.51, subd. 3, 2025)Minnesota Statutes 65B.51, Tort actions (2025) Minnesota Office of the Revisor of Statutes |
| Minimum residual liability | $30,000 per person, $60,000 per accident and $10,000 property damage (Minn. Stat. 65B.49, subd. 3, 2025)Minnesota Statutes 65B.49, Insurance policies; required coverages (2025) Minnesota Office of the Revisor of Statutes |
| Uninsured and underinsured motorist minimums | $25,000 per person and $50,000 per accident for each coverage (Minn. Stat. 65B.49, subd. 3a, 2025)Minnesota Statutes 65B.49, Insurance policies; required coverages (2025) Minnesota Office of the Revisor of Statutes |
| Personal injury statute of limitations | Six years for injury to the person not arising on contract (Minn. Stat. 541.05, subd. 1(5), 2025)Minnesota Statutes 541.05, Various cases, six years (2025) Minnesota Office of the Revisor of Statutes |
| Comparative fault rule | No bar if the claimant's fault was not greater than the defendant's (Minn. Stat. 604.01, subd. 1, 2025)Minnesota Statutes 604.01, Comparative fault (2025) Minnesota Office of the Revisor of Statutes |
| Traffic fatalities | 402 in 2023 (NHTSA FARS)FARS Encyclopedia: Fatalities and Fatality Rates by State NHTSA |
| Lawyer advertising rule | Rule 7.2, Communications Concerning a Lawyer's Services: Specific Rules (amended effective September 1, 2022)Minnesota Rules of Professional Conduct, Rule 7.2 (amended effective September 1, 2022) Minnesota Office of the Revisor of Statutes (court rules) |
| Lawyer solicitation rule | Rule 7.3, Solicitation of Clients (amended effective September 1, 2022)Minnesota Rules of Professional Conduct, Rule 7.3 (amended effective September 1, 2022) Minnesota Office of the Revisor of Statutes (court rules) |
Last reviewed: October 7, 2026. A summary for education, not legal advice.
Minnesota no-fault benefits and the $4,000 threshold
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
Minnesota sets its tort threshold partly in dollars. Under Minn. Stat. 65B.51, subd. 3 (2025 Minnesota Statutes), no one recovers damages for noneconomic detriment unless reasonable medical expenses and related items exceed $4,000, or the injury results in permanent disfigurement, permanent injury, death, or disability for 60 days or more. The statute defines disability as the inability to engage in substantially all of the injured person's usual and customary daily activities.
Below that line, the claimant's own policy pays. Minn. Stat. 65B.44, subd. 1 (2025 Minnesota Statutes) sets basic economic loss benefits at a minimum of $40,000 per injured person: $20,000 for medical expense loss and $20,000 for income loss, replacement services and funeral and survivor losses. The Minnesota Department of Commerce (as of October 7, 2026) adds that these benefits are paid no matter who is at fault and that no-fault claims must be made within six months of the accident.
Six years to file, and fault no greater than the defendant's
The filing period in Minnesota is long. Minn. Stat. 541.05, subd. 1, clause (5) (2025 Minnesota Statutes) gives six years for any other injury to the person or rights of another, not arising on contract.
Fault is compared one to one. Minn. Stat. 604.01, subd. 1 (2025 Minnesota Statutes) says contributory fault does not bar recovery if it was not greater than the fault of the person against whom recovery is sought, and damages are diminished in proportion to the claimant's share. A claimant whose fault exceeds the defendant's recovers nothing.
Even with six years available, buyers cap accident age much lower, and they read the fault answers to see whether the claimant is likely to stay at or below the other driver's share.
Residual liability and uninsured motorist minimums
Minn. Stat. 65B.49, subd. 3 (2025 Minnesota Statutes) requires residual liability limits of not less than $30,000 for bodily injury to one person, $60,000 for injury to two or more persons in one accident, and $10,000 for property damage. Subdivision 3a requires separate uninsured and underinsured motorist coverages, each with limits of at least $25,000 per person and $50,000 per accident.
A claim that clears the threshold is paid from the other driver's residual liability coverage, so the claimant's knowledge of that insurer is a useful intakeIntakeThe process a law firm or its intake team uses to screen a potential client, collect the facts of the accident and injury, and decide whether to take the case. Glossary field.
Minnesota fatality count
For 2023, NHTSA's Fatality Analysis Reporting System records 402 traffic fatalities in Minnesota. These are deaths only.
Minnesota lawyer advertising and solicitation rules
This section is general information, not legal advice. It summarizes official sources as of October 7, 2026; check the current text of each rule before relying on it.
The Minnesota Rules of Professional Conduct are published with the state's court rules by the Office of the Revisor of Statutes. Both rules below were last amended effective September 1, 2022:
- Rule 7.2, Communications Concerning a Lawyer's Services: Specific Rules. Paragraph (b) bars compensating, giving or promising anything of value for recommending a lawyer's services, except as the rule lists, such as the reasonable costs of permitted advertisements.
- Rule 7.3, Solicitation of Clients. It defines solicitation and limits live person-to-person contact when a significant motive is the lawyer's or firm's pecuniary gain.
This section identifies the rules only. Whether a lead program meets them is a question for the buying firm and its own counsel.
What buyers in Minnesota filter on
Minnesota fields follow the threshold first and the deadline second:
- Injury and treatment: medical expenses so far, ongoing care and time missed from usual activities, read against the threshold in section 65B.51.
- Accident date: both the six-month no-fault claim window and the six-year filing period run from it.
- Fault answers: set against the not-greater-than rule in section 604.01.
- Other driver's insurance: whether the at-fault driver's carrier is known.
- Representation status: whether a lawyer is already involved.
- ZIP code: each buyer picks the ZIP codes its firms serve.
Where buyers filter in Minnesota
The six metropolitan areas with Minnesota counties in the Census Bureau's Vintage 2025 estimates are below. Three of them cross into Wisconsin or North Dakota, so their figures cover the whole area. Buyers draw coverage by ZIP code and are not tied to these lines.
- Minneapolis-St. Paul-Bloomington, MN-WI: 3,790,295 (July 1, 2025 estimate, whole metro area)
- Duluth, MN-WI: 281,219 (July 1, 2025 estimate, whole metro area)
- Rochester, MN: 231,184 (July 1, 2025 estimate)
- St. Cloud, MN: 205,854 (July 1, 2025 estimate)
- Mankato, MN: 104,907 (July 1, 2025 estimate)
- Fargo, ND-MN: 269,528 (July 1, 2025 estimate, whole metro area)
Source: Metropolitan and Micropolitan Statistical Area population estimates, Vintage 2025 (cbsa-est2025-alldata), U.S. Census Bureau.
Consent records for Minnesota car accident leads
Minnesota car accident leads include the TCPATCPAThe Telephone Consumer Protection Act, the federal law that governs telemarketing calls and texts, autodialers, prerecorded voice messages and the Do Not Call Registry. Glossary consent record from the original form. Before dialing, a team can review Minnesota's line in the state telemarketing laws table; the broader state page for MVA and home improvement buyers is leads in Minnesota.
Minnesota car accident lead questions
What medical expense figure is in the Minnesota tort threshold?
$4,000. Under Minn. Stat. 65B.51, subd. 3 (2025 Minnesota Statutes), noneconomic damages require medical expenses over that amount, or permanent disfigurement, permanent injury, death, or disability for 60 days or more. This is general information, not legal advice.
How much no-fault coverage must a Minnesota policy include?
At least $40,000 per injured person, split into $20,000 for medical expense and $20,000 for non-medical losses, under Minn. Stat. 65B.44 (2025 Minnesota Statutes).
What liability limits does Minnesota require on auto policies?
Minn. Stat. 65B.49 (2025 Minnesota Statutes) requires $30,000 per person, $60,000 per accident and $10,000 for property damage, plus uninsured and underinsured coverage of at least $25,000 and $50,000 each.
Request Minnesota car accident leads
Email us the Minnesota ZIP codes you cover, your daily volume or caps and how you take delivery. ReturnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms are agreed on the onboarding call, before you go live.
Start small, with no long-term commitment
- No long-term contract. Pause or stop at any time.
- No setup fee and no monthly fee. You pay only for leads delivered that match your filters.
- Start with a small test volume and scale when the numbers work.
- MVA and home improvement leads are exclusive by default: each lead is sold to one buyer.
- Return terms are agreed on the onboarding call, before you go live.
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