MN SF4065

Allows either the insured or the insured's assignee to commence arbitration proceedings under Minnesota auto insurance law.

Establishes that loss occurs at the time of accident for purposes of validating an insured's assignment of benefits, rather than when actual expenses are incurred.

Maintains existing benefit payment timelines: benefits are overdue if not paid within 30 days after the reparation obligor receives reasonable proof of loss, or within 15 days if claims are accumulated for periods not exceeding 31 days.

Requires health providers to submit medical expense benefit claims using uniform electronic transaction standards under section 62J.536, with benefits not due if claims are not received through these standards.

Applies the assignment of benefits provisions retroactively to assignments executed on or after January 1, 2010.