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Last updated: February 7, 2024

What to Do After a Hit-And-Run in Minnesota

Minnesota law mandates your report any car accident involving injury, death, or property damage exceeding $1,000.

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A hit-and-run happens when someone hits another vehicle and then doesn’t provide any details or simply leaves the scene of the accident. These are fairly common car accidents in the United States. If you fail to report such an incident, including those involving a parked, unoccupied vehicle, you could face a hit-and-run charge as well as penalties.

Unfortunately, a hit-and-run could jack up your auto insurance premium even if you weren’t at fault. If your insurance isn’t robust enough, you could end up paying for property damage or injuries yourself.

Do’s and Don'ts of What to Do After a Hit-and-Run in Minnesota


If someone collides with your vehicle and then doesn’t remain at the scene, here’s what you should do.

  • If you’re injured in the hit-and-run, seek medical help right away. Your health insurance might cover any costs associated with your medical care. You also might be able to use medical payments coverage or personal injury protection to pay for medical bills associated with the accident.
  • Stay at the scene if you or your passengers are uninjured.
  • Contact the police to file a report on the accident. You’ll need a police report for your claim.
  • Record evidence. This includes photographing damage and noting the circumstances of the accident as well as any witness names and contact info.
  • Consider filing an insurance claim. You can file a first-party claim with your insurance company, especially if you have uninsured motorist coverage. If you do acquire the insurance information of the at-fault driver, you can file a third-party claim.

If you discover someone has hit your parked car and not left contact info, the same steps apply.


If you find yourself the victim of a hit-and-run accident, there are some things you should not do:

  • Attempt to stop the other driver from fleeing the scene. Such an action could be dangerous for you, as well as make you miss connecting with vital witnesses or police at the scene.
  • Decide not to report the accident to law enforcement. Minnesota law mandates all accidents be reported to the police if they involve injuries, death, or property damage of more than $1,000.
  • Leave the accident scene too quickly. If you zoom off too soon, you could miss collecting vital evidence, talking to potential witnesses, or discussing the incident with a police officer.
  • Omit filing an insurance claim. If you don’t start a claim with your insurance company, you’ll have to pay to get your vehicle fixed.


Check with your insurance company even if you’re not sure you want to file a claim.

How to Recover Damages

You might think there’s no way to collect damages after experiencing a hit-and-run, but you have two options.

  • Make a claim. You can file either a first- or third-party claim, depending on whether you find out who hit your vehicle and their insurance information.
  • File a lawsuit. If your claim is denied, you can look to the courts for recompense by filing a civil lawsuit. Minnesota has monetary and serious injury thresholds for such lawsuits, with $4,000 being the dollar amount of damages or injuries and 60 days of disability, permanent injury or permanent disfigurement for the serious injury. However, Minnesota is a no-fault state, which means you would be responsible for medical costs related to an accident, no matter who caused it.

Does Car Insurance Cover Hit-and-Runs?

Minnesota requires the following auto insurance, which would cover hit-and-run accidents:

Type of insurance Coverage amount
Bodily injury $30,000 per accident for one person

$60,000 per accident for two or more people

Property damage $10,000
Uninsured/underinsured motorist $25,000 per accident for one person

$50,000 per accident for two or more people

Personal injury protection (PIP) $40,000 per accident per person


You should carry more than the minimum coverage amounts to ensure you’re not left with big repair or medical bills after a hit-and-run accident.

How Hit-and-Runs Affect Car Insurance

A hit-and-run could impact your insurance rates, even if the accident isn’t your fault. The reason is that anytime a first-party claim is made, your premium could rise. If the cost of the repairs from a hit-and-run are less than your collision coverage deductible, then you might want to pay for it out of pocket.

Because Minnesota is a no-fault state, the party who causes the accident is responsible for the other person’s property damage only. Each party involved covers their own medical costs associated with the accident. If you find out the identity of the other driver in a hit-and-run, you could file a lawsuit to recover damages.

Hit-and-Runs in Minnesota Statistics

In 2022, hit-and-runs comprised 11 percent of all auto accidents in Minnesota, according to the Minnesota Department of Public Safety’s Office of Traffic Safety.1

Type of hit-and-run Number
Fatal crashes 12
Injury crashes 976
Property-damage-only crashes 7,027
Total hit-and-runs 8,025

Since 2007, more than 150 fatalities have happened as a result of hit-and-run accidents in Minnesota, according to National Highway Traffic Safety Administration (NHTSA) Motor Vehicle Crash Data.

Year Fatal crashes in Minnesota involving a hit-and-run
2011 10
2012 3
2013 15
2014 5
2015 11
2016 18
2017 9
2018 9
2019 12
2020 10
2021 21

Hit-and-Run Laws in Minnesota

Minnesota Statute 169.09 spells out the driver requirements for collisions, with one section specifically mandating drivers provide information if involved in a collision that results in bodily injury or death, or damages another vehicle.2 The statute requires drivers provide the following data:

  • Name
  • Date of birth
  • Mailing or email address
  • Registration plate number of involved vehicle

The driver must also show their license or permit to any officer at the scene or investigating the accident. The motorist also is required to provide insurance information within 72 hours after the accident to anyone involved in the accident, including police officers investigating the collision.


Minnesota law requires drivers to report an accident to the police if the crash involved injury or death, or property damage of more than $1,000. You may delay reporting up to 10 days after the accident occurred. You could have your license suspended or face jail time of up to 10 days if you fail to report such an accident.


You should always stick around the scene of an accident and report it to the proper law enforcement agency. Remember, full insurance coverage will offer you the best protection in a hit-and-run accident because liability insurance won’t pay for your or your passengers injuries and damages to your vehicle. Unfortunately, your auto insurance premium could rise after you file a claim related to a hit-and-run that wasn’t your fault.

Frequently Asked Questions

Is a hit-and-run a felony in Minnesota?

In Minnesota, hit-and-run accidents that result in bodily injury or death can be charged as felony offenses. With bodily harm, the at-fault driver faces a fine of up to $4,000 and jail time of up to a year. If the hit-and-run accident causes a death, the driver responsible may have to pay up to $5,000 in fines and serve up to three years in jail in Minnesota.

Do you have to call the police after a minor car accident in Minnesota?

No. Under certain circumstances, Minnesota does not mandate drivers involved in fender bender accidents resulting in no bodily injury or death and with property damage of less than $1,000 to file a police report. All you should do in those cases is exchange contact and insurance information with the other driver.

Who pays for car damage in Minnesota?

Because Minnesota is a no-fault state, your car insurance would cover certain losses after an accident, no matter whose fault it is. All Minnesota drivers must purchase personal injury protection insurance to pay for their own medical bills after an accident, regardless of who caused it.

Can someone else drive my car in Minnesota?

Yes. Someone else may drive your vehicle in Minnesota with your consent. Minnesota law deems any driver operating a vehicle with the permission of the vehicle’s owner to be the “agent of the owner” and therefore allowed to drive the vehicle.


  1. Minnesota Motor Vehicle Crash Facts, 2022. Department of Public Safety. (2022).

  2. 2023 Minnesota Statutes. Minnesota Legislature. (2023).