What changed in Minnesota
Insurance law does not sit still, but most guides are written once and left alone. Repealed programs and retired forms keep circulating for years. This is what actually changed inMinnesota, when, and where to verify it.
Every state we cover, in one feed: what changed across the country · RSS
July 1, 2024
Crash reportingStatute now spells out which crashes are reportable — tow-away or medical treatment, not a dollar figure
Laws 2024, chapter 104, article 1, section 31 (H.F. 3436, signed May 15, 2024) rewrote Minn. Stat. § 169.09, subd. 8. For the first time since the old driver's report was repealed, the statute lists what makes a crash reportable: a fatality; bodily injury for which someone immediately receives medical treatment at or away from the scene; disabling damage that requires a vehicle to be towed from the scene; or damage to fixtures, infrastructure or other property alongside or on a highway. The same amendment extended the rule to crashes on sidewalks, shoulders, shared use paths and public lands and trail systems. Guides that still describe Minnesota's reporting duty in dollars are quoting a test the legislature removed. The act carries appropriations, so it took effect on the July 1 after enactment under Minn. Stat. § 645.02.
Minnesota Office of the Revisor of StatutesAugust 1, 2023
Minimum coverageUnderinsured motorist claims got a four-year deadline
Laws 2023, chapter 57, article 2, section 58 added Minn. Stat. § 65B.49, subd. 10, which is expressly effective August 1, 2023 and applies to contracts issued or renewed on or after that date. A plan of reparation security must otherwise follow the six-year limitation in § 541.05, subd. 1(1), but a cause of action relating to underinsured motorist coverage must be commenced within four years of accrual. Because UM and UIM coverages are mandatory in Minnesota, this shortened deadline reaches every policyholder, not only those who bought extra coverage.
Laws 2023, ch. 57, art. 2, § 58 — four-year limitation on underinsured motorist claimsJuly 1, 2021
Crash reportingThe driver's own crash report was abolished, and with it the $1,000 threshold
Laws 2021, First Special Session, chapter 5, article 4, section 151, paragraph (c) (signed June 26, 2021) repealed Minn. Stat. 2020, § 169.09, subd. 7. That subdivision had required the driver of a vehicle involved in a crash causing injury, death, or total property damage to an apparent extent of $1,000 or more to forward a written report to the commissioner of public safety within ten days. Minnesota drivers no longer file any such report; the investigating peace officer files it instead. Sites that still tell Minnesota drivers to send DPS a report within ten days when damage tops $1,000 are describing a rule that has not existed since 2021. The act carries appropriations, so it took effect on the July 1 after enactment under Minn. Stat. § 645.02.
Minnesota Office of the Revisor of Statutes
What this list does and does not cover
Recorded here: changes to the rules this site tracks for Minnesota — liability minimums, SR-22 and proof-of-insurance requirements, penalties for driving uninsured, the fault system, what a lapse costs, new-resident deadlines and crash reporting. Each entry names the session law or statute that made the change and the date it took effect, not the date it was signed.
Not recorded: rate filings, individual insurer decisions, court rulings that do not change the text of the law, and changes to rules outside those seven subjects. A short list does not mean a quiet legislature — it means little moved in the parts of Minnesota law a driver has to comply with.
A change that has passed but has not yet taken effect is not shown as current anywhere on this site. It sits on the Minnesota pages as a dated pending value and replaces the current figure on the morning it comes into force. You can see every pending change across the country at the top of the national change feed, and the sources behind the Minnesota figures on its statute index.