Most injured people are stunned to discover how difficult it is to get the insurance industry to pay a fair settlement. People are often unaware of the coverages they may have a right to. For example, car accident victims in Minnesota may have access to no-fault, uninsured or underinsured coverages from their own car insurance company, and liability and umbrella coverages from the negligent driver companies. CONSUMER BEWARE! Acceptance of certain coverages without the correct legal language and documents may prevent collection of other coverages! Also, Minnesota law never allows a person to be paid twice for the same damage area. Medical expense or income loss already paid for is deducted from jury verdicts, and repayment to medical insurers or government agencies is usually required by law.