Motor Vehicle Accident (MVA) & Car Accident Leads in Minnesota

Motor vehicle accidents in Minnesota

Minnesota's crash volume centers on the Twin Cities, where I-35W and I-35E split around Minneapolis and St. Paul, I-94 links the two downtowns, and I-494/I-694 form the metro beltway. The Lowry Hill Tunnel, the Spaghetti Junction interchange, and heavy Crosstown (Highway 62) traffic all generate consistent collisions.

Minnesota winters are a defining factor: black ice, heavy snowfall, and long stretches of sub-freezing driving push a meaningful share of the state's injury crashes, and rural two-lane highways outside the metro add high-speed collisions in the surrounding counties.

Minnesota injury law that shapes these cases

Minnesota pairs a no-fault/PIP system with an unusually long filing window, both of which matter to an intake team qualifying a case.

• Statute of limitations: six years from the date of the accident for personal-injury claims — one of the more generous windows in the country, though wrongful-death actions carry their own shorter deadline.
• Fault system: Minnesota is a no-fault (PIP) state. Every driver must carry at least $40,000 in Personal Injury Protection — $20,000 for medical expenses and $20,000 for non-medical losses. To step into a liability claim against the at-fault driver, the claimant generally must clear a tort threshold (such as more than $4,000 in medical expenses or a qualifying serious injury).
• Negligence rule: Minnesota applies modified comparative fault under Minn. Stat. 604.01 — a claimant whose fault exceeds the other party's (more than 50%) recovers nothing, and below that the award is reduced by their share of blame.
• Minimum auto liability: 30/60/10 — $30,000 bodily injury per person, $60,000 per accident, and $10,000 property damage, plus the mandatory $40,000 in PIP.

How we screen Minnesota leads

We run our own paid campaigns instead of reselling an aggregator's list. Each Minnesota claimant is filtered on a recent crash within the six-year window, a reported injury, and a statement that they were not the at-fault driver. Because Minnesota's no-fault tort threshold turns on injury severity, the "real injury" screen points toward the cases that can actually cross into a liability recovery.

Every qualified lead is delivered to one firm exclusively — never shared, resold, or recycled.

Minnesota advertising & lead-gen compliance

A lead's origin is now part of the buyer's exposure, not merely the vendor's. The federal TCPA sets the baseline every campaign has to meet: prior express written consent before a marketing call or text reaches a consumer. The FCC's one-to-one consent rule was vacated by the Eleventh Circuit in January 2025 and is not in force, yet proper prior express consent is still mandatory, and the FCC's April 2025 revocation rules require that opt-outs be honored promptly.

Minnesota does not have its own mini-TCPA, so a Minnesota campaign runs on that federal baseline plus the Minnesota Bar's Rules of Professional Conduct on lawyer advertising, which prohibit false or misleading legal advertising and regulate solicitation of accident victims. The through-line is the same everywhere: a compliant Minnesota lead is one the claimant opted into through genuine advertising, not cold outreach dressed up as a lead.

Kurios generates leads through consent-based advertising, carries the required disclosures on our landing pages, makes no guarantees about case outcomes, handles opt-outs promptly, and delivers each lead to a single firm. A source that skips those steps can shift the exposure onto the firm that buys from it — so we keep that risk on our side and pass you leads free of it. For the authoritative rules behind all of this, see the Minnesota State Bar Association’s attorney-advertising rules and the FCC’s TCPA rules on telemarketing and robocalls.

Why Minnesota personal injury firms work with Kurios

Minnesota firms measure us by cost per signed case, not the price of a lead — and in a no-fault state where a claim has to clear the tort threshold to become a liability case, screening for real injury is what makes a lead worth working. Exclusive, injury-screened, not-at-fault claimants delivered to your CRM in under 10 seconds sign at a rate a shared, aged list never matches, which is what keeps CAC in line. One firm per lead means your Minneapolis, St. Paul, or Rochester intake team is the only call the claimant is fielding, not one of several. No junk, no wrong numbers, no spend burned on cases that were never real. Start with a 3-month test batch of 50 exclusive leads a month — month-to-month, cancel anytime within the 3 months, no retainer — so you can prove cost per signed case on your own numbers. See our MVA lead program or how the exclusive car accident model works.

Frequently Asked Questions

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