Every municipality is subject to liability for its torts and those of its officers, employees and agents acting within the scope of their employment or duties. The Minnesota Tort Claims Act also sets out exceptions to liability, which are known as "immunities." Most tort claims are claims of negligence. This guide provides information on different torts, and links to publications and materials related to court actions involving tort liability. The Minnesota Unfair Claims Practices Act governs time limits to respond to insurance claims. Minnesota law generally prohibits insurance for punitive damages, with limited exceptions. Minn. Stat. American Family denied coverage, claiming that, pursuant to Minn. Stat. Figure out what happened and who did it. Make notes for yourself before you begin to fill out forms. Minnesota No -Fault Insurance Claims: 1.