1.1 	A bill for an act
1.2 	relating to insurance; no-fault automobile; clarifying the meaning of "arising out 
1.3 	of the maintenance or use of a motor vehicle";amending Minnesota Statutes 
1.4 	2004, section 65B.44, subdivision 1.
1.5 	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

1.6 	Section 1. Minnesota Statutes 2004, section 65B.44, subdivision 1, is amended to read:
1.7 		Subdivision 1.Inclusions. (a) Basic economic loss benefits shall provide 
1.8 	reimbursement for all loss suffered through injury arising out of the maintenance or use of 
1.9 	a motor vehicle, subject to any applicable deductibles, exclusions, disqualifications, and 
1.10 	other conditions, and. An injury does not arise out of the maintenance or use of a motor 
1.11 	vehicle if the injury was caused by an act of independent significance that breaks the 
1.12 	chain of causation between the maintenance and use of a motor vehicle and the injury. 
1.13 	Voluntary intoxication that causes injury to the intoxicated person while that person is not 
1.14 	in, upon, or struck by a motor vehicle is an act of independent significance that breaks the 
1.15 	chain of causation.
1.16 	(b) Basic economic loss benefits shall provide a minimum of $40,000 for loss arising 
1.17 	out of the injury of any one person, consisting of:
1.18 	(1) $20,000 for medical expense loss arising out of injury to any one person; and
1.19 	(2) a total of $20,000 for income loss, replacement services loss, funeral expense 
1.20 	loss, survivor's economic loss, and survivor's replacement services loss arising out of the 
1.21 	injury to any one person.
1.22 	(b) (c) Notwithstanding any other law to the contrary, a person entitled to basic 
1.23 	economic loss benefits under this chapter is entitled to the full medical expense benefits set 
1.24 	forth in subdivision 2, and may not receive medical expense benefits that are in any way 
2.1 	less than those provided for in subdivision 2, or that involve any preestablished limitations 
2.2 	on the benefits. Medical expenses must be reasonable and must be for necessary medical 
2.3 	care as provided in subdivision 2. This paragraph shall not be deemed to alter the 
2.4 	obligations of an insured or the rights of a reparation obligor as set forth in section  65B.56. 
2.5 	(c) (d) No reparation obligor or health plan company as defined in section  62Q.01, 
2.6 	subdivision 4, may enter into or renew any contract that provides, or has the effect of 
2.7 	providing, managed care services to no-fault claimants. For the purposes of this section, 
2.8 	"managed care services" is defined as any program of medical services that uses health care 
2.9 	providers managed, owned, employed by, or under contract with a health plan company. 

2.10 	Sec. 2. EFFECTIVE DATE.
 2.11 	Section 1 is effective January 1, 2007, and applies to injuries occurring on or after 
2.12 	that date.