An Introduction to the Assigned Claims Bureau

In 1974 the Minnesota Legislature passed the Minnesota No-Fault Automobile Insurance Act. As a result, the state became a compulsory insurance state. The Act requires owners of motor vehicles to purchase insurance policies which, at a minimum, must include personal injury protection (PIP) (also called no-fault insurance), liability insurance, and uninsured/underinsured insurance.

The goals of the Act are to ensure that every eligible person who is injured in a motor vehicle accident within the state of Minnesota has a source of no-fault benefits. Minnesota residents who are injured in a motor vehicle accident out-of-state may also be eligible for no-fault benefits.  The Act determines which policy is the source of these no-fault benefits.  The Act also created the Minnesota Automobile Assigned Claims Bureau (MAACB) which provides PIP benefits to those who qualify but who, through no fault of their own, have no policy available to them.