One minute you are merging onto I-94, keeping pace with traffic toward St. Cloud or the Twin Cities, and the next, you are dealing with the sudden shock of a metal-on-metal impact.
On a high-speed interstate, the seconds following a collision are critical. Knowing exactly what to do can mean the difference between a smooth insurance process and a legal nightmare
Prioritize immediate safety
Your first priority is moving away from the flow of traffic. If your vehicle is functional, pull to the nearest shoulder or a safe spot off the main highway. Minnesota law requires drivers involved in accidents resulting in injury or property damage to stop and remain at the scene.
Once you are safe, turn on your hazard lights. If visibility is low, stay inside with your seatbelt fastened until emergency responders arrive to avoid being struck by passing motorists.
Contact emergency services
Call 911 immediately. Even if the accident seems minor, a police report is a vital piece of objective evidence. State troopers or local police will document the scene, which is essential for insurance claims.
While Minnesota Statutes outline your duty to stop and provide information, the law mandates that you provide immediate notice to the nearest law enforcement agency for any accident involving bodily injury.
Furthermore, state authorities require an official written crash report for any accident involving bodily injury, death, or property damage totaling $1,000 or more.
Document the scene and exchange information
While waiting for authorities, swap details with other drivers. You need their names, contact info, insurance providers and driver’s license numbers. Use your phone to photograph vehicle positions, property damage and road conditions.
Avoid discussing fault at the scene. Because Minnesota uses a “No-Fault” system, your own Personal Injury Protection (PIP) helps manage initial healthcare costs, regardless of who was responsible. However, if your fault exceeds 50% in a collision, Minnesota’s comparative fault rules may bar you from recovering further damages from other parties.
Protect your health and your legal rights
Even if you feel fine, visit a doctor as soon as possible. Adrenaline often masks symptoms of whiplash, concussions or internal bruising. Under Minnesota’s No-Fault laws, your PIP benefits typically cover up to $20,000 for medical expenses and up to $20,000 for lost wages, though wage recovery is subject to a weekly statutory cap.
Establishing a medical record immediately after the accident links your injuries directly to the I-94 collision, making it much harder for insurance companies to dispute your claim later. If the crash resulted in serious injuries or significant damage, it may also help to understand your legal options after a car accident.