If you’re wondering what to do when someone hits your car in Minnesota, you’re not alone. Accidents can be overwhelming in the moment, especially when you’re unsure of your rights or next steps. Whether it’s a minor fender bender or a more serious crash, knowing what to do immediately after the incident can protect you legally, medically, and financially.
- Quick decisions matter: The actions you take in the first few minutes after a crash can significantly affect the outcome.
- Minnesota laws apply: Understanding how Minnesota handles liability, insurance, and fault helps you respond effectively.
- Legal support helps: An experienced attorney can guide you through tricky insurance claims and potential legal issues.
Why Immediate Action Is So Important
In the moments after a car accident, your adrenaline is likely high and your mind is racing. It’s easy to make missteps that can lead to insurance complications or legal problems later on. Minnesota is a no-fault state, but that doesn’t mean fault is irrelevant. If someone hits your vehicle, especially due to negligence or illegal behavior, you may have grounds to pursue compensation beyond your own insurance coverage.
By following a few clear steps right away, you can protect your rights, preserve evidence, and prepare for any insurance claims or legal actions that follow.
6 Steps to Take After Someone Hits Your Car
If you’ve been in a crash in Minnesota where someone else is at fault, here’s what you should do right away. These steps apply whether you were in your car at the time or the vehicle was hit while parked.
1. Check for Injuries and Call 911
Your safety is the first priority. If anyone is hurt, call 911 immediately to get medical help and law enforcement on the scene.
- Medical help first: Don’t delay calling for emergency services if anyone is injured.
- Police report benefits: Even in a minor accident, having an official report can be critical for your insurance claim and potential legal case.
2. Move to a Safe Location (If Possible)
If the crash happened on a busy road, move your vehicle to a safe area nearby to avoid further risk. However, if the accident is severe or involves serious damage, leave the cars where they are until police arrive.
- Reduce further danger: Get out of harm’s way to prevent secondary collisions.
- Preserve evidence: If it’s safe to do so, take photos of the scene before moving your vehicle.
3. Exchange Information With the Other Driver
You are legally required to provide and request information at the scene. This includes:
- Full name and contact information
- Insurance company and policy number
- Driver’s license number and vehicle plate
- Make, model, and color of the other vehicle
If the other driver refuses to share their information, wait for police assistance.
4. Document the Scene Thoroughly
Use your phone to take detailed photos of the damage, the other vehicle, the road conditions, traffic signs, and anything else relevant. If there are witnesses, ask for their contact details in case statements are needed later.
- Photo evidence: Capture wide and close-up shots from multiple angles.
- Witness help: Neutral third-party accounts can support your version of events.
5. Notify Your Insurance Company
Even if you weren’t at fault, you must report the accident to your own insurer. Minnesota’s no-fault laws require that you file a claim under your own Personal Injury Protection (PIP) coverage for medical costs and lost wages—regardless of who caused the crash.
- Timely reporting: Waiting too long to report could delay or hurt your claim.
- Be accurate: Share facts, not assumptions, about the incident.
6. Consult a Minnesota Car Accident Attorney
Some car accidents involve more than just insurance claims. If the damage is significant, someone was injured, or the other driver was reckless or under the influence, you may need legal support. A qualified attorney can help you:
- Understand fault and liability laws in Minnesota
- Handle insurer disputes or denied claims
- File a personal injury claim, if appropriate
Speaking with an experienced attorney early can protect your legal options before evidence disappears or deadlines expire.
What If Someone Hit My Parked Car in Minnesota?
If your vehicle was hit while unattended, the process is slightly different. Minnesota law requires drivers to leave their contact information in a clearly visible place—usually under the windshield wiper.
If the other driver didn’t leave a note and you can’t identify them, this could be considered a hit-and-run, which is a crime. Be sure to:
- File a police report: Especially important for insurance purposes
- Check for cameras: Nearby homes or businesses may have security footage
- Contact your insurer: Your own policy may cover the damage through uninsured motorist or collision coverage
Should I File a Lawsuit or Just Use Insurance?
Minnesota’s no-fault insurance system means that most minor accidents are handled through your own policy’s PIP coverage. However, there are exceptions where a lawsuit may be appropriate. For example:
- You suffered permanent injury or disfigurement
- Your medical bills exceed $4,000
- A loved one was killed in the accident
- The other driver was under the influence, texting, or acting recklessly
In these cases, you may be able to file a claim against the at-fault driver’s insurance—or take legal action to recover additional damages. An attorney can help determine what applies to your case.
When to Call a Lawyer
Many people wait too long to talk to a lawyer after an accident. If someone else caused the crash, getting legal advice early can prevent costly mistakes and ensure your rights are protected. You should contact an attorney if:
- You were seriously injured
- Fault is being disputed
- The other driver was uninsured or fled the scene
- You’re being pressured to settle quickly
- You’re unsure what your claim is worth
An attorney can help gather evidence, handle negotiations with insurance companies, and make sure you don’t accept less than you deserve.
Know Your Rights and When to Seek Legal Help
Knowing what to do when someone hits your car in Minnesota can help you stay calm, protect your rights, and avoid costly mistakes. From collecting evidence to reporting the crash and notifying your insurer, each step is important to how your case or claim may proceed.
The Law Offices of Josh Johnson specializes in defending individuals facing DWI and other criminal charges across Minnesota. If your situation involves allegations of impaired driving, or if you were accused of a DWI after an accident, we can help. Reach out today to schedule a free consultation and get experienced legal guidance tailored to your defense.
