Auto Insurance Claims in Minnesota

Minnesota No-Fault insurance laws provide benefits to covered persons no matter who is at fault. Benefits include medical and physical therapy coverage at 100% up to a maximum of $20,000 per accident. The No-Fault benefits also cover wage loss, mileage reimbursement, replacement services, funeral expense loss and survivor's losses.

You do not need a referral from your auto insurance company or medical physician to receive treatment at Wellspring Health Center. Simply call (952) 933-1150 and make an appointment for a consultation with our new patient advocate.

Our staff will assist you with the proper steps to opening an auto accident claim or you can call your insurance agent prior to your visit and notify them that you will be seeing a physician and request that they open a claim. Our office will contact your insurance and get all the information needed to file all insurance claims for you. Our physicians and therapists will evaluate and document your injuries. If indicated, they may begin treatment to help you feel better.

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Forms To Complete To Open a Claim


Once you call your agent and request that a claim be opened for health care expenses, your insurance company will assign a "claims adjuster". The claims adjuster is the person who processes and pays any claims to your health care providers and monitors the type and frequency of any treatment you receive. In order for a claim to be opened you will be sent specific forms to complete:

  • Application for Benefits
  • Authorization for Release of Medical Records
  • Authorization for Wage and Salary Information

These forms should be completed as soon as possible and mailed back to the claims adjuster. If you have retained a personal injury attorney they will assist in completing these forms. Otherwise our experienced staff can assist you with completing these forms.

Mileage Reimbursement

Minnesota No-Fault Law allows reimbursement for mileage to get to your treatment. In order to be reimbursed for mileage, you must submit document the dates and mileage of each visit.

Reimbursement for Replacement of Services


Replacement services include those expenses incurred to obtain usual and necessary services for activities that the injured person would have otherwise been able to performed. For example, if the injured person is unable to do household activities (cleaning, laundry) due to medically documented restrictions, these activities may be reimbursable.

Reimbursement for Wage Loss After an Auto Accident


Minnesota No-Fault Law allows for wage loss benefits of 85% of the actual wage loss up to a maximum of $250.00 per week until you are able to return to work. Our physicians may recommend that you modify your work schedule during your initial treatment. In this case, we will provide you with a Work Restriction form.