Submit a Minnesota no-fault Application for Benefits to every auto insurer that might cover your child now - your own carrier, the other driver's carrier, and any household policy that covers your child as a resident relative. There is no long grace period in most policies, and prompt notice matters if you want medical bills and wage-loss claims handled without a fight.

In the next 24 hours: If your child was hit by a car in Plymouth, this is usually worth pursuing if the injuries are more than minor scrapes. A shattered kneecap, ER visit, surgery, ambulance bill, or follow-up at Hennepin Healthcare can blow past the point where "too much hassle" stops being true.

Get:

• the Plymouth Police incident number
• names of every insurer involved
• photos of the bike, helmet, road, and vehicle
• discharge papers, imaging reports, and bills

If it happened near a business, apartment entrance, or trail crossing, ask for surveillance footage immediately before it gets erased.

In the next week: Order the crash report and pin down every possible defendant: the driver, the vehicle owner, an employer if it was a work vehicle, and sometimes a property owner if sight lines or access were dangerous. In Minnesota, fault can be split. Under Minn. Stat. § 604.02, a party more than 50% at fault can be on the hook for the whole judgment, which matters when insurers start pointing fingers.

Also track whether your child meets Minnesota's lawsuit threshold. You can usually step outside no-fault if medical expenses exceed $4,000 or there is permanent injury, disfigurement, disability for 60 days, or death.

In the next month: Watch for subrogation letters from health insurance or Medical Assistance. Don't ignore them. Keep one running file with bills, mileage, missed work, and medical updates.

If the crash happened during spring or summer riding season and visibility was the excuse, that does not let insurers shrug it off. In a child injury case with real medical treatment, multiple policies often mean more available money, not just more paperwork.