Minnesota’s no-fault insurance system requires drivers to carry Personal Injury Protection (PIP) coverage, which pays for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. This system aims to reduce litigation and ensure prompt payment for injuries. Each driver must have a minimum of $40,000 in PIP coverage, divided into $20,000 for medical expenses and $20,000 for non-medical costs. However, if injuries are severe, victims can pursue a liability claim against the at-fault driver. Understanding Minnesota’s no-fault insurance is crucial for navigating claims and ensuring adequate protection on the road.