Minnesota Statutes

Minn. Stat. § 65B.42 (2026)

Purpose

✓ current as of May 2026

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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.

Notes of Decisions

Cited in 180 cases (3 in the last 5 years), 1979–2026 · leading case: State Farm Mut. Auto. Ins. Co. v. Angela Mary Lennartson, Katie Foss, 872 N.W.2d 524 (Minn. 2015).

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State Farm Mut. Auto. Ins. Co. v. Angela Mary Lennartson, Katie Foss, 872 N.W.2d 524 (Minn. 2015). · cites it 34× “1 I write separately, however, because the result in this case is inconsistent with the purposes of the No-Fault Act, Minn. Stat. § 65B.42 (2014). One such purpose is “to provide offsets to avoid duplicate recovery.”

Do v. Am. Fam. Mut. Ins. Co., 779 N.W.2d 853 (Minn. 2010). · cites it 18× “Minn.Stat. § 65B.42. "Basic economic loss benefits are payable monthly as loss accrues.”

Auto Owners Ins. Co. v. Perry, 749 N.W.2d 324 (Minn. 2008). · cites it 16× “" Minn.Stat. § 65B.42 (2006). Amici curiae OutFront Minnesota and Minnesota Association for Justice suggest that the adoption of Perry's interpretation of section 65B.”

Swanson v. Brewster, 784 N.W.2d 264 (Minn. 2010). · cites it 8× “2d at 331 , while one of the goals of the No-Fault Act is to ensure that automobile-accident victims are promptly compensated for their loss, see Minn.Stat. § 65B.42(1) (2008); Do v. American Family Mutual Insurance Co.”

Dougherty v. State Farm Mut. Ins. Co., 699 N.W.2d 741 (Minn. 2005). · cites it 12× “Thus, some cases are simply too far removed from motoring to be included in the scope of the no-fault system.”

Kelly v. State Farm Mut. Auto. Ins. Co., 666 N.W.2d 328 (Minn. 2003). · cites it 10× “We are faced with the novel question of whether an insurer's exclusion of vehicles regularly used by family members from its definition of "underinsured motor vehicle" contravenes the purpose behind the No-Fault Act as articulated in Minn.Stat. § 65B.42 (2002). I conclude that…”

Illinois Farmers Ins. Co. v. Glass Serv. Co., 683 N.W.2d 792 (Minn. 2004). · cites it 4× “” Minn.Stat. § 65B.42 (2002); see also Charboneau, 481 N.”

Nelson v. Am. Fam. Ins. Grp., 651 N.W.2d 499 (Minn. 2002). · cites it 6× “Minn.Stat. § 65B.42 (emphasis added). We heed these stated purposes when we construe the No-Fault Act.”

Hertz Corp. v. State Farm Mut. Ins. Co., 573 N.W.2d 686 (Minn. 1998). · cites it 8× “The purposes of the No-Fault Act are spelled out in Minn Stat. § 65B.42: to "relieve the severe economic distress of uncompensated victims"; to prevent overcompensation; to assure prompt payment; to "ease the burden of litigation"; and to correct imbalances and abuses in the…”

Bartel v. New Haven Twp., 323 N.W.2d 806 (Minn. 1982). · cites it 12× “[5] Minn.Stat. § 65B.42 (1980) lists the following among the purposes of the no-fault act: (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; * * * * *…”

Pususta v. State Farm Ins. Companies, 632 N.W.2d 549 (Minn. 2001). · cites it 15× “Minn.Stat. § 65B.42 (2000); Scheibel, 615 N.”

Edwards v. State Farm Mut. Auto. Ins. Co., 399 N.W.2d 95 (Minn. Ct. App. 1986). · cites it 8× “See Minn.Stat. § 65B.42(1) (1984) (the No-Fault Act was adopted to "relieve the severe economic distress of uncompensated victims of automobile accidents").”

Show all 180 citing cases →

— Minn. Stat. § 65B.42(1) — 67 cases

State Farm Mut. Auto. Ins. Co. v. Angela Mary Lennartson, Katie Foss, 872 N.W.2d 524 (Minn. 2015). “1 I write separately, however, because the result in this case is inconsistent with the purposes of the No-Fault Act, Minn. Stat. § 65B.42 (2014). One such purpose is “to provide offsets to avoid duplicate recovery.”

Dougherty v. State Farm Mut. Ins. Co., 699 N.W.2d 741 (Minn. 2005). “Thus, some cases are simply too far removed from motoring to be included in the scope of the no-fault system.”

Edwards v. State Farm Mut. Auto. Ins. Co., 399 N.W.2d 95 (Minn. Ct. App. 1986). “See Minn.Stat. § 65B.42(1) (1984) (the No-Fault Act was adopted to "relieve the severe economic distress of uncompensated victims of automobile accidents").”

Swanson v. Brewster, 784 N.W.2d 264 (Minn. 2010). “2d at 331 , while one of the goals of the No-Fault Act is to ensure that automobile-accident victims are promptly compensated for their loss, see Minn.Stat. § 65B.42(1) (2008); Do v. American Family Mutual Insurance Co.”

Do v. Am. Fam. Mut. Ins. Co., 779 N.W.2d 853 (Minn. 2010). “Minn.Stat. § 65B.42. "Basic economic loss benefits are payable monthly as loss accrues.”

— Minn. Stat. § 65B.42(1)(1998) — 1 case

Northrup v. State Farm Mut. Auto. Ins. Co., 601 N.W.2d 900 (Minn. Ct. App. 1999).

— Minn. Stat. § 65B.42(2) — 4 cases

Dairyland Ins. Co. v. Starkey, 535 N.W.2d 363 (Minn. 1995).

Johnson v. State Farm Mut. Auto. Ins. Co., 574 N.W.2d 468 (Minn. Ct. App. 1998).

United Fin. Cas. Co. v. Nelson, 109 F. Supp. 3d 1085 (D. Minnesota 2015).

Behr v. Am. Fam. Mut. Ins. Co., 638 N.W.2d 469 (Minn. Ct. App. 2002).

— Minn. Stat. § 65B.42(3) — 10 cases

Stand Up Multipositional Advantage MRI, P.A. v. Am. Fam. Ins. Co., a Wisconsin Corp., Michael Schultz, Ilya Knyazev, Thomas Bennerotte, Jed Benjamin Iverson, Gabriel Johnson, Michael Fay, Brad Ratgen, Landon Barakow, Lebertha Porter, 889 N.W.2d 543 (Minn. 2017).

Stout v. AMCO Ins. Co., 645 N.W.2d 108 (Minn. 2002).

Klinefelter v. Crum & Forster Ins. Co., 675 N.W.2d 330 (Minn. Ct. App. 2004).

Langenberger v. Dahl, 329 N.W.2d 69 (Minn. 1983).

— Minn. Stat. § 65B.42(4) — 18 cases

Star Windshield Repair, Inc. v. W. Nat'l Ins. Co., 768 N.W.2d 346 (Minn. 2009).

State Farm Mut. Auto. Ins. Co. v. Cincinnati Ins. Co., 651 N.W.2d 542 (Minn. Ct. App. 2002).

State Farm Mut. Auto. Ins. Co. v. Cincinnati Ins. Co., 666 N.W.2d 334 (Minn. 2003).

In Re the Claims for No-Fault Benefits Against Progressive Ins. Co., 720 N.W.2d 865 (Minn. Ct. App. 2006).

Charboneau v. Am. Fam. Ins. Co., 467 N.W.2d 830 (Minn. Ct. App. 1991).

— Minn. Stat. § 65B.42(5) — 24 cases

Do v. Am. Fam. Mut. Ins. Co., 779 N.W.2d 853 (Minn. 2010). “Minn.Stat. § 65B.42. "Basic economic loss benefits are payable monthly as loss accrues.”

Murphy v. Milbank Mut. Ins. Co., 388 N.W.2d 732 (Minn. 1986).

Pfeffer v. State Auto. & Cas. Underwriters Ins. Co., 292 N.W.2d 743 (Minn. 1980).

State Farm Mut. Auto. Ins. Co., (A14-132), (A14-224) v. Angela Mary Lennartson, (A14-132), Katie Foss, (A14-224)., 857 N.W.2d 713 (Minn. Ct. App. 2014).

— Minn. Stat. § 65B.42(l) — 2 cases

Am. Fam. Ins. Grp. v. Kiess, 697 N.W.2d 617 (Minn. 2005).

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