Founded in 1979, Cartier Agency has grown into a leading independent insurance agency because of our commitment to provide our clients with friendly, personal service and expertise in all areas of the insurance industry. While we're located in Minnesota, we can service clients throughout the United States. Currently we have customers in 35 states. Our team of professionals represents many years of experience in personal, commercial, life and health insurance. We work hard to build strong relationships with our insureds so they will have confidence in our management of their insurance plans. Cartier Agency has built a reputation of trust and integrity. We believe in becoming an integral part of our community. As a group we have served on many community boards and committees, belonged to numerous service organizations and contributed to the betterment and well-being of the Duluth area. We are a family-based business and look forward to providing insurance plans to our clients well into the future.
The Cartier Agency provides home, auto, farm, life, health, recreational vehicle and trucking insurance along with workers compensation
From Cartier Agency
How can I get questions answered about the Affordable Care Act?
We recommend that people start with speaking to a trained professional. Trained insurance professionals or a navigator with MN Sure can help you determine if you are eligible for a variety of programs which have become available because of the Affordable Care Act. There are a lot of factors to take in consideration; like monthly premiums, deductibles, out-of-pocket expenses, co-pays and most importantly, which doctors one may see. A trained insurance professional may help you navigate through all of the changes of the Affordable Care Act and find a plan that works for you.
From Kari Toyota
Is synthetic motor oil better than conventional oil and what are the benefits?
With today’s technology, synthetics tend to be cleaner and provide better performance than conventional oil. Their composition is much cleaner, because it is derived in a laboratory rather than nature, and it has been proven to have a lower volatility and therefore not vaporize out the exhaust as quickly.
Synthetics have also been shown to produce less resistance, improving horsepower and the overall efficiencyof the engine. This added horsepower in return means that the engine will be able to perform at the same level as before, but using slightly less gas.
What is the difference between worker's compensation and personal injury?
Both involve physical injuries. However, if you are injured in the job, it is called workers compensation. The workers compensation procedure is more straightforward and does not involve a court trial or a jury. Since it is so different, if you have a workers compensation injury, you should turn to the workers compensation page on this web site.
What if I can't go back to work or my employer fires me or won't take me back after I have healed?
If your doctor says your injury has caused permanent restrictions (like restrictions on lifting, bending or standing), then you receive additional benefits based on the amount of disability the doctor states. If your employer has a job within those permanent restrictions, it must offer that job to you or be subject to a penalty. But if there is no work within your restrictions, the employer does not have to take you back. You may also be entitled to more benefits because you cannot go back to your job or you may get retraining benefits to send you back to school so that you can get a job that pays as much as the job you lost.
What is a personal injury case?
Personal injury is when you are hurt because of someone else's negligence or wrongful act. Personal injury covers a wide spectrum: car accidents, truck accidents, wrongful death, dog bites and other animal attacks, Jet Ski® and other personal water craft injury claims, defective products, premises liability or injury because of a defect in a building, slip and fall, worksite accidents, etc.