Minnesota is a no-fault state. If you have been in an auto accident, your own Personal Injury Protection (PIP) benefits typically cover physical therapy and therapeutic massage at 100%, regardless of who was at fault. We file claims directly with your auto insurance so you can focus on getting better.
Under Minnesota's no-fault auto insurance law, every auto policy includes PIP (Personal Injury Protection) coverage. PIP benefits are designed to cover medical care after an auto accident regardless of who was at fault. For most policies, that includes physical therapy, therapeutic massage, nurse practitioner evaluation, and SoftWave therapy when medically appropriate. The standard Minnesota PIP benefit is $20,000 per person, which usually covers a full course of care for most auto accident injuries. Some policies carry higher limits.
Call or text (952) 933-1150 or book a free consultation online. Mention that you have been in an accident so we can prepare. No referral is required to start care.
Before your first visit, we contact your auto insurance carrier with your claim information, verify your PIP benefits, and confirm what is covered for your specific policy. You will know what to expect before you walk in.
Your first visit is a thorough consultation. Your care team listens to your full history, evaluates your injuries, and explains what they are seeing. Together we build a treatment plan that addresses both immediate symptoms and the underlying soft tissue and joint patterns set off by the collision.
Wellspring files claims directly with your auto insurance carrier. You do not pay out of pocket for covered services. We handle the billing paperwork so you can focus on recovery.
Our nurse practitioner documents your evaluation and ongoing treatment in a way that supports your no-fault claim. If your situation involves an attorney, we coordinate with their office on documentation as needed.
No. Minnesota is a no-fault state, which means your own auto insurance covers your medical care regardless of who caused the accident. You do not need to wait for fault determination before getting treatment.
Your Minnesota auto insurance policy generally provides PIP coverage even if the accident occurred in another state, as long as you live in Minnesota and your policy is current. We verify the specifics with your carrier when we set up the claim.
If you do not have auto insurance, but you were a passenger in a covered vehicle, the vehicle’s policy may cover your PIP benefits. If you were a pedestrian or bicyclist hit by a covered vehicle, that driver’s PIP benefits may cover your care. There are several layers to this. We will help you figure it out.
Lingering pain weeks or months after a collision is common, and it is treatable. PIP benefits are time-sensitive but most policies cover treatment that begins within a reasonable window after the accident. We can usually still help, and we will help you understand what your specific policy allows.
No. You do not need a referral for auto accident care at Wellspring. You can call, text, or book a free consultation directly.
If you reach the limit of your PIP benefit, several options exist depending on your situation. Your health insurance may pick up additional care. If you are working with an attorney on a third-party claim, additional medical bills may be recoverable. We will walk you through your options if and when that point is reached.
This is a question to discuss with your auto insurance agent. Under Minnesota law, your insurance carrier cannot non-renew your policy for a no-fault claim alone, but rate impacts can vary. Your agent is the right person to ask about your specific policy.
A free consultation is the first step. We will listen to your history, walk you through how no-fault works for your specific situation, and tell you honestly whether we are the right fit. No referral needed. No commitment required.