Tarshish ILR Minnesota No Fault Insurance: Where is an "insured" covered (geographically)?
From LegalLanding
Within Minnesota
Minn. Stat. 65B.46 subd. 1 states that every person injured in a motor vehicle accident occurring in Minnesota has a right to no-fault benefits. This general provision of the law applies to Indian reservations within the state, even though the vehicles licensed on the reservation are not subject to the insurance requirements in the No-Fault Act. State Farm Mutual Ins. Co. v. Thunder, 605 N.W.2d 750 (Minn. Ct. App., 2000)
A person lacking insurance coverage may have to seek no-fault benefits from the Assigned Claims Plan. Someone disqualified from Assigned Claims benefits may have no source of no-fault coverage, even though the accident occurred in Minnesota. However, the exclusions in said program apply only to adults. Except in certain cases of theft, a person under age 18 who is injured in a Minnesota motor vehicle accident should obtain payment of no-fault claims from some source.
Outside Minnesota
No-fault benefits will be available to a Minnesota insured who is injured in a motor vehicle accident anywhere in the United States, a United States possession, or in Canada. Minn. Stat. 65B.46, subd. 2. The insurance policy may extend basic economic loss coverage to additional geographical areas if the policy does so expressly.
The driver and any other occupant of a vehicle insured under Minnesota law will generally be entitled to no-fault benefits. However, a company that owns five or more vehicles regularly used in the business of transporting persons or property need not extend no-fault coverage to drivers and other occupants of the vehicles for accidents outside of Minnesota. Minn. Stat. 65B.46, subd. 2(2).