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
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.
How do I pay for nursing home care?
Chris Jensen accepts Medicare, Medical Assistance, many approved insurances and private payment. To qualify for some Medicare benefits, you must be hospitalized for at least 3 days and meet additional criteria. You will also need to have certain special services provided at the nursing facility. This could be a complex wound care, Physical therapy, Occupational therapy or Speech therapy services, IV medications, alternative nutritional support, a new chronic illness diagnosis or a need for self-care education. Medicare will pay for 100% of room and board, therapy and medications for the first 20 days. After 20 days there is a daily co-payment. Some insurance plans will pay your co-pay and others will not. Coverage may last up to 100 days.
Medical Assistance is based on individual financial situation. An application may be completed through St. Louis County. Our social workers are happy to assist with this and other forms of insurance.
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.
How do I know my loved one needs nursing home care?
The first step is to have an assessment of their care needs. Our admissions coordinator will complete this assessment and walk you through the steps of placement. This will allow us to understand the individual care needs and personalize the services.
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.