§ 604.18

Minnesota Statutes

Source: 2025 Minnesota Statutes. For the official text, see revisor.mn.gov.

Citing Cases (43)

Minnesota Supreme Court

Wilbur v. State Farm Mutual Automobile Insurance Co. · 2017 9 citations

+ 9 more citations in this opinion.

Minnesota Court of Appeals

Peterson v. W. Nat'l Mut. Ins. Co. · 2019 15 citations

+ 15 more citations in this opinion.

John Wilbur v. State Farm Mutual Automobile Insurance Company · 2016 11 citations

+ 11 more citations in this opinion.

Swanny of Hugo, Inc., d/b/a Carpenter's Steak House v. Integrity Mutual Insurance Company · 2015 1 citation

+ 1 more citation in this opinion.

U.S. District Court, D. Minnesota

· 2025 2 citations

+ 2 more citations in this opinion.

· 2025 2 citations

+ 2 more citations in this opinion.

Wright v. Travelers Home and Marine Insurance Company, The · 2024 2 citations

+ 2 more citations in this opinion.

Wright v. Travelers Home and Marine Insurance Company, The · 2024 4 citations

+ 4 more citations in this opinion.

Smartmatic USA Corp. v. Lindell · 2023 2 citations

+ 2 more citations in this opinion.

Cargill, Incorporated v.National Union Fire Insurance Company of Pittsburgh, Pa. · 2023 10 citations

to add a counterclaim to void the insurance policy under its fraud provision. Cargill opposed the motion and moved to amend the complaint to add a claim under Minn. Stat. § 604.18, alleging that National Union’s attempt to void the policy is made in bad faith. Shortly after the March 21, 2023 hearing on these motions, Cargill also moved to “correct and supplement” the record, arguing that National Union made misrepresentations at the

the complaint. Specifically, Cargill contests the magistrate judge’s conclusion that Cargill’s proposed amendment fails the futility test. The Court conducts a de novo review of the magistrate judge’s decision to deny Cargill’s motion to amend. Cargill’s proposed amendment would add a claim under Minn. Stat. § 604.18, which provides a cause of action against an insurer who acts in bad faith in denying insurance benefits. To establish bad-faith denial of insurance benefits, under Minn. Stat. § 604.18,

+ 7 more citations in this opinion.

Cargill, Incorporated v.National Union Fire Insurance Company of Pittsburgh, Pa. · 2023 10 citations

+ 10 more citations in this opinion.

Rosenberg v. Homesite Insurance Agency, Inc. · 2023 1 citation

denying benefits or acted in reckless disregard of the lack of a reasonable basis. Peterson v. W. Nat’l Mut. Ins. Co., 946 N.W.2d 903, 909-10 (Minn. 2020) (citing Minn. Stat. § 604.18, subd. 2(a)). A bad-faith claim fails when the insurance company is found not to have breached the insurance policy. Wobig v. Safeco Ins. Co. of Illinois, 40 F.4th 843, 848 (8th Cir. 2022) (“Having found the business use exclusion precludes coverage for the [plaintiffs’] claim, it necessarily follows that the [plaintiffs] have failed to establish the lack of a reasonable basis for the denial of insurance benefits.”).

AXIS Surplus Insurance Company v. Condor Corporation · 2023 2 citations

+ 2 more citations in this opinion.

Fishbowl Solutions, Inc. v. Hanover Insurance Company, The · 2022 12 citations

+ 12 more citations in this opinion.

Fishbowl Solutions, Inc. v. Hanover Insurance Company, The · 2022 18 citations

+ 18 more citations in this opinion.

Wobig v. Safeco Insurance Company of Illinois · 2021 2 citations

+ 2 more citations in this opinion.

Ellis v. West Bend Mutual Insurance Company · 2020 4 citations

+ 4 more citations in this opinion.

Shaw v. Farm Bureau Property & Casualty Insurance Company · 2020 10 citations

+ 10 more citations in this opinion.