Difficulty: Easy

Average Score: 90%

In Minnesota, a person who does not own a car and is injured by a hit and run driver may apply for benefits through the:

Rationale

Minnesota Automobile Assigned Claims Bureau provides benefits for those injured by hit and run drivers without car ownership.

This bureau assists individuals who do not have automobile insurance, including those injured by uninsured or hit and run drivers. It ensures that victims can receive compensation for their injuries and losses even if they lack personal car insurance coverage.

A (Automobile Insurance Plan (AIP)) YOUR ANSWER

The Automobile Insurance Plan (AIP) is designed for high-risk drivers who are unable to obtain insurance through standard means. However, it does not specifically provide benefits for individuals without insurance who are injured by hit and run drivers. Therefore, this option does not apply to the scenario described.

B (Second Injury Fund) YOUR ANSWER

The Second Injury Fund is a component of workers' compensation that helps employers when an employee is injured and has a pre-existing disability. This fund is not applicable to cases involving hit and run accidents outside of the workplace or for individuals who do not own a vehicle, making it an irrelevant choice for this situation.

D (FAIR Plan) YOUR ANSWER

The FAIR Plan (Fair Access to Insurance Requirements) is designed to provide insurance to those who are unable to obtain it through standard markets, typically for property insurance. It does not provide compensation for personal injury due to traffic incidents, particularly related to hit and run drivers, thereby making it an unsuitable option for the question at hand.

Conclusion

In Minnesota, when a person who does not own a car is injured by a hit and run driver, the Minnesota Automobile Assigned Claims Bureau is the correct entity to approach for benefits. This organization specifically assists uninsured victims in receiving compensation for injuries sustained in such accidents, while the other options listed serve different purposes or do not address the needs of a hit and run victim without car ownership.

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