The most interesting aspect of an auto accident trial in Minnesota
isn't what the jury hears; it is what the jury does not hear. Rule 411 of the Minnesota Rules of Evidence
states the topic of insurance is not allowed to be discussed in front
of the jury. Therefore, it doesn't mean the defendant will have to pay
the verdict out of his or her pocket just because insurance is not
discussed during trial. In fact, the opposite is likely true. There
would be very few reasons for a case to go all the way to trial if the
defendant did not have insurance. In all likelihood, any verdict
against the defendant will be paid by his or her insurance company.
Trial is expensive, time consuming, and very stressful for the
plaintiff. It would not make sense for the plaintiff to go all the way
to trial unless there was a chance to collect on the verdict.