If an ATV ride in Harris ended in a crash, you may be facing medical bills, missed work, and insurance questions you did not expect. Metro Law Offices is a Minnesota personal injury law firm that helps riders and families chart a clear path forward after an off‑road collision. We focus on gathering the facts, protecting your rights, and pursuing compensation from every available source. Whether your incident happened on a Chisago County trail, private property, or near a roadway, our team is ready to step in and help. Call 651-615-3322 to connect with a local team that understands how ATV claims are handled across Minnesota and within the Harris community.
ATV accidents present unique issues that differ from ordinary car crashes. Liability can involve another rider, a landowner, a maintenance provider, or even a manufacturer. Insurance can include recreational policies, homeowner coverage, Med‑Pay, or uninsured/underinsured motorist benefits. In Harris and greater Chisago County, weather, terrain, and seasonal traffic can all influence how a claim should be built. From early evidence preservation to navigating medical documentation and negotiation, Metro Law Offices supports injured riders with practical guidance and steady advocacy. If you are unsure where to start, reach out for a free case review at 651-615-3322, and learn how Minnesota law may apply to your specific situation.
After an ATV crash, early decisions can shape the entire claim. A timely investigation helps identify all responsible parties, document hazardous conditions, and secure witness statements before memories fade. Careful review of medical records ensures injuries are fully valued, including future care and wage loss. Skilled negotiation can align multiple insurers and policies so benefits do not conflict or lapse. In Harris, where incidents may occur on trails, farms, or rural roads, knowing which rules and coverages apply can make a real difference. Working with a Minnesota firm means having guidance that fits local courts, procedures, and insurer practices, while you focus on recovery and your family.
Metro Law Offices is a Minnesota personal injury law firm serving Harris and communities across Chisago County. Our approach is straightforward: listen carefully, explain your options, and take action that protects your rights. We handle ATV cases involving collisions, rollovers, trail hazards, and defective equipment. Clients appreciate our clear communication, prompt updates, and determination to pursue every available insurance pathway. We understand how rural response times, terrain, and seasonal trail use can affect evidence and liability questions. From the first call to resolution, our goal is to make the process manageable while building a strong claim for medical costs, wage loss, and the impact the crash has had on your life.
ATV accident claims arise when a rider or passenger is injured because another person or entity failed to act with reasonable care, or when a machine or component is defective. In Minnesota, coverage may involve recreational vehicle policies, Med‑Pay, homeowner or farm liability coverage, and uninsured/underinsured motorist benefits. When an ATV crash intersects with a motor vehicle on a roadway, traditional auto insurance rules may also come into play. Each policy has notice requirements and limits that must be coordinated. In Harris, gathering facts quickly—photos, GPS coordinates, helmet damage, and scene conditions—helps determine which policies apply and how best to present the claim.
Strong ATV cases begin with evidence preservation and timely medical care. Seek evaluation right away and follow recommended treatment plans to document injuries. Report the incident to appropriate authorities, which may include local law enforcement or the county sheriff, and keep copies of any reports. Photograph the scene, vehicle damage, terrain features, and any markings or signage. Identify witnesses and exchange information with other riders or property owners. Keep all receipts and track missed work. In Harris and surrounding Chisago County, conditions change quickly due to weather and trail use, so acting early helps protect your timeline and ensures key details are not lost or altered.
An ATV accident injury claim is a request for compensation arising from harm caused by another party’s negligence or by a defective vehicle or component. Negligence can involve unsafe riding, failure to maintain property, inadequate supervision, or violation of safety rules. Product‑related claims may involve faulty brakes, steering, throttles, tires, or protective gear. Recoverable damages can include medical expenses, rehabilitation, lost income, diminished earning capacity, property damage, and pain and suffering. The viability of a claim depends on liability, the severity of injuries, available insurance, and Minnesota deadlines. Prompt legal guidance helps organize evidence, evaluate coverage, and present a clear, well‑supported demand.
Most ATV claims center on four elements: duty, breach, causation, and damages. Duty is the responsibility to act safely; breach is a failure to uphold that responsibility; causation connects the breach to the injury; and damages quantify your losses. The process typically includes investigating the crash, reviewing medical findings, identifying all policies, and presenting a demand package to insurers. Negotiations follow, and, if needed, litigation may be filed in the appropriate Minnesota court, such as Chisago County District Court for Harris incidents. Throughout, meeting notice requirements and documenting every expense strengthens the claim and supports a fair resolution.
Understanding common insurance and legal terms helps riders make informed choices after an ATV crash. Policies may include medical payments coverage, liability protection, and uninsured/underinsured motorist benefits that can apply in different ways depending on where and how a crash occurred. Minnesota’s comparative fault rules can reduce recovery if more than one person shares responsibility. Deadlines govern both insurance notice and the time to bring a lawsuit, and missing them can limit your options. Finally, defects in vehicles or parts can create a claim against manufacturers or distributors. Knowing how these pieces fit together can guide decisive, timely action on your Harris claim.
No‑Fault benefits are commonly tied to motor vehicle policies in Minnesota, but ATV crashes can still involve medical payments (Med‑Pay) coverage under recreational or homeowner policies. Med‑Pay is designed to help with medical bills regardless of fault, up to the purchased limit. It can coordinate with health insurance and other coverages, and it often requires prompt notice to the insurer. When an ATV crash involves a roadway collision with a car or truck, auto insurance rules may also be implicated. Because each policy is different, reviewing your documents early and confirming coverage with clear documentation can help preserve benefits and streamline recovery.
The statute of limitations sets the deadline to file a lawsuit. Minnesota imposes specific time limits for injury, property damage, and product liability claims. These deadlines can be short, and they may vary depending on the facts, the parties involved, and the theories pursued. Some insurance policies also contain contract notice or suit‑limitation provisions that operate on their own timelines. Missing a deadline can result in losing the ability to pursue compensation, even when liability appears clear. The safest approach is to identify the applicable periods early, track them carefully, and take timely action that preserves all of your legal options.
Comparative fault allocates responsibility among everyone involved in a crash. In Minnesota, your recovery is typically reduced by your percentage of fault, and being mostly at fault can prevent recovery altogether. Insurers often use this rule to dispute claims, citing speed, visibility, trail etiquette, or protective gear. Careful investigation pushes back on unfair assignments of blame by analyzing terrain, line of sight, vehicle condition, and witness statements. Even if some responsibility is shared, well‑developed evidence—photos, telematics, maintenance records, and medical documentation—can significantly affect the comparative analysis and help reach a more accurate and fair outcome.
Product liability involves injuries caused by a defective ATV or component. Claims may arise from design defects, manufacturing errors, or inadequate warnings. Examples include faulty throttles, brake failures, steering defects, tire blowouts, or helmets that do not perform as advertised. Proving a defect often requires preserving the ATV, photographing damage, and consulting technical materials or recall information. Because product cases can involve multiple companies in the supply chain, they may proceed alongside negligence claims against riders, landowners, or maintenance providers. Coordinating these theories helps ensure all responsible parties are identified and that insurance and corporate coverage are fully explored.
Some riders only need targeted help with insurance forms or a quick claim review, while others benefit from full representation from start to finish. Limited assistance can be cost‑effective when issues are straightforward and injuries resolve quickly. Comprehensive representation is often preferred when injuries are significant, fault is disputed, or multiple insurers are involved. In Harris, where crashes may combine trail conditions, private property, and overlapping policies, a broader approach can protect you from missed coverage or short deadlines. The right choice depends on the facts of your case, your comfort handling paperwork, and how much risk you want to manage alone.
If fault is clear, damages are modest, and your medical care is brief and well‑documented, a limited approach may be enough. For example, a low‑speed tip‑over with minor soft‑tissue injuries might involve straightforward Med‑Pay and a small liability claim. In those situations, riders sometimes prefer assistance focused on organizing records, confirming coverage, and submitting a clean demand to the insurer. Keeping thorough receipts, photographs, and discharge notes can help finalize the claim efficiently. Even in simpler Harris cases, a quick review of deadlines and policy language is smart, so benefits are not forfeited by late notice or incomplete documentation.
When the insurer accepts responsibility, responds promptly, and offers to cover documented costs, targeted claim support may be sufficient. Riders can benefit from help verifying medical billing, ensuring liens are addressed, and confirming that a release only covers the intended events. If wage loss is limited and there is no lasting impairment, a shorter claim lifecycle is possible. That said, it is important to double‑check whether additional coverages—like UM/UIM or Med‑Pay—should be tapped before settling. A brief consultation can confirm you are not leaving compensation on the table while still moving efficiently toward closure.
Complex liability scenarios benefit from a full legal strategy. If another rider blames you, a landowner disputes conditions, or a road‑user claims you entered traffic unsafely, a thorough investigation is essential. Multiple parties may share fault, and each insurer will protect its interests. Comprehensive representation aligns evidence, reconstructs events, and addresses comparative fault with clarity. It also ensures timely notice to all carriers, preservation of physical evidence, and careful witness follow‑up. In Harris, where crashes can span trails, fields, and road crossings, coordinating facts across jurisdictions and policies helps prevent gaps that could otherwise weaken a valid claim.
Significant injuries warrant a broader approach that captures the full impact of the crash. Complex fractures, head trauma, spinal harm, or surgery can involve long recoveries and future care. When a defective ATV or part is suspected, product liability adds layers of investigation and litigation tactics. Comprehensive representation develops medical opinions, life‑care costs, and wage‑loss documentation while preserving the machine for inspection. It also coordinates health insurance liens and explores excess coverage. This approach keeps the claim aligned with medical reality, safeguards deadlines, and positions you to pursue all available avenues for fair compensation.
A comprehensive strategy brings structure to a stressful situation. It prioritizes early evidence preservation, organizes medical records, and identifies every policy that may respond. Thorough preparation often leads to stronger negotiations, because insurers understand that the claim is supported by facts, expert opinions when appropriate, and well‑documented losses. In Harris, where ATV incidents can involve unique terrain and seasonal conditions, a broad approach ensures important local details are not overlooked. It also keeps you informed about timelines, next steps, and what to expect during each phase, so you can make confident decisions while you focus on healing.
Comprehensive representation can also improve financial outcomes by coordinating benefits and protecting recovery from avoidable reductions. When health insurers, Med‑Pay, and liability carriers all have a stake, meticulous documentation and negotiation help prevent duplicate payments, surprise denials, or unnecessarily broad releases. This approach supports a fair valuation of pain, suffering, and the ways the injury affects daily life and work. For Harris riders, it provides a single point of contact who understands Minnesota law, local courts, and the insurers most active in the region. The result is a claim built to withstand scrutiny and positioned for resolution.
Coordinated case building means getting the right information at the right time. That includes photographs of the scene and vehicle, preservation of the ATV, inspection records, helmet condition, witness contacts, and terrain details such as ruts, signage, or fencing. Medical documentation is gathered continuously so the claim matches the actual course of treatment. In Harris, we also consider local response reports and weather data. This method reduces disputes over what happened and why, and it helps insurers evaluate the claim based on clear evidence rather than guesswork. The stronger the foundation, the more effectively your losses can be presented.
ATV crashes can trigger multiple coverages: liability, Med‑Pay, UM/UIM, homeowner or farm policies, and, in some scenarios, auto insurance. A comprehensive approach maps these options, confirms notice, and pursues benefits in a sequence that protects your interests. It also evaluates potential product liability if components failed or a recall applies. By understanding limits, exclusions, and subrogation rights, we work to avoid benefit conflicts and unnecessary reductions. For Harris riders, this means a claim plan that fits the facts and the policies involved, increasing the chances of a complete recovery that addresses both current needs and future impacts.
Take wide and close photos of the trail, tracks, signage, fencing, and any visible hazards. Capture vehicle positions, damage, and your protective gear, especially your helmet. Note weather, lighting, and surface conditions. Collect names, phone numbers, and brief statements from witnesses. Save GPS data or app ride logs if available. Seek medical care immediately and explain every symptom, even if it seems minor. Keep receipts, prescriptions, and work notes. In Harris, changing weather can alter the scene quickly, so early documentation is key. Preserve the ATV in its post‑crash condition if possible, and avoid repairs until the investigation is complete.
Insurers may ask for recorded statements or broad medical authorizations soon after a crash. While cooperation is important, providing information without context can create misunderstandings. Stick to facts, avoid speculation, and do not minimize symptoms. Request copies of any forms before signing and confirm what they allow the insurer to access. Keep communication organized by logging call dates, claim numbers, and who you spoke with. When in doubt, ask questions or request time to review. Thoughtful communication protects your credibility and helps ensure the claim reflects the true nature of your injuries and losses.
A local attorney familiar with Harris and Chisago County can help you navigate overlapping policies, rural scene logistics, and the medical documentation insurers rely upon. If liability is disputed, if injuries are ongoing, or if multiple insurers are involved, early guidance can prevent missed deadlines and avoidable claim conflicts. Even when injuries seem manageable, a quick review can confirm available Med‑Pay, evaluate UM/UIM, and coordinate benefits so nothing is overlooked. The right support helps you move from uncertainty to a plan that fits your goals, budget, and timeline, while keeping you informed at every stage.
Contacting Metro Law Offices offers a clear starting point: understand your options, assess your evidence, and choose a path that makes sense for you. Our team handles communications with insurers, organizes records, and prepares a demand that reflects the full impact of the crash. If negotiations stall, we can file suit in the appropriate Minnesota court and continue building the case. For riders in Harris, one call to 651-615-3322 connects you with a firm that knows how ATV claims unfold in rural and suburban settings, and how to position your case for a fair, timely resolution.
We frequently assist with trail collisions, low‑visibility intersections, and crashes involving mixed traffic near roadways. Many claims involve rollovers on uneven terrain, soft shoulders, or unexpected ruts. We also see incidents linked to property conditions, such as hidden obstacles, inadequate warnings, or poorly maintained paths. Mechanical failures—brakes, steering, tires, or throttle control—can point to product liability. In Harris, seasonal changes mean mud, ice, and foliage affect traction and sightlines. Whatever the scenario, early evaluation helps identify the correct defendants, applicable policies, and the documentation needed to support the claim from both a medical and liability standpoint.
Trail collisions can occur when sightlines are short, speeds are mismatched, or riders fail to yield at crossings. At trail‑road intersections near Harris, conflicts with motor vehicles add insurance complexity and raise questions about signage and visibility. Establishing the approach path, lighting conditions, and the position of each vehicle helps reconstruct what happened. Helmet damage, bodywork scrapes, and vegetation transfer can be important clues. Prompt medical treatment should document symptoms head to toe, even if adrenaline masks pain at first. With thorough investigation, we can untangle liability and present a claim that reflects the real dynamics of the crash.
Rollovers often stem from ruts, soft shoulders, steep embankments, or sudden evasive maneuvers. These incidents can cause fractures, shoulder injuries, and head trauma, even at moderate speeds. Evaluating the terrain, tire condition, suspension, and load balance is important for understanding why the rollover occurred. In Harris, photos taken quickly can capture soil conditions and track marks before weather or other riders disturb the scene. Treatment records, imaging, and physical therapy notes help connect the mechanics of the rollover to specific injuries. Together, these details support liability analysis and a damages presentation that fully reflects the crash’s impact.
When brakes fade, steering binds, throttles stick, or tires fail prematurely, a product or maintenance issue may be involved. Preserve the ATV and any broken components for inspection, and avoid repairs until photos and documentation are complete. Check recall notices and maintenance logs. Product claims can run alongside negligence claims against riders, property owners, or service providers, so coordinating theories matters. In Harris and throughout Minnesota, we gather technical materials, evaluate chain‑of‑custody for the machine, and work to identify every responsible entity. A careful approach can reveal additional insurance and corporate coverage that may support your recovery.
Local knowledge matters. Harris and Chisago County present unique conditions—rural access points, seasonal trail use, and changing terrain. We understand how these details influence liability, evidence, and insurer evaluations. Our team coordinates investigations, manages medical documentation, and communicates with insurers in a way that keeps your case moving. We focus on clarity and responsiveness, so you know what is happening at every stage and what to expect next. From preserving the ATV to securing witness statements, we work to position your claim for a fair, well‑supported outcome.
Comprehensive case building is our hallmark. We identify all potential coverages—liability, Med‑Pay, UM/UIM, homeowner or farm policies—and confirm timely notice to each. We develop damages with care, incorporating medical opinions, wage records, and future treatment considerations. When product defects are suspected, we coordinate inspections and technical reviews. This disciplined process gives insurers a clear, evidence‑based picture of what happened and why fair compensation is warranted. For Harris riders, it means fewer surprises and a claim strategy aligned with Minnesota law and local court procedures.
Accessible representation and clear terms help you move forward with confidence. We offer a free case review and work on a contingency fee, meaning you pay no attorney fees unless we obtain a recovery. You will receive regular updates, honest assessments, and practical advice tailored to your goals. If negotiations do not produce a fair resolution, we are prepared to file suit and continue pressing your case. Call 651-615-3322 to get started, learn your options, and take the next step toward closure after an ATV crash in Harris.
Our process is designed to be thorough and understandable. We begin with a conversation to learn the facts, review injuries, and identify immediate needs. Next, we secure evidence, request reports, and contact insurers to open claims and protect your rights. We then develop damages through medical documentation and employment records, preparing a demand package that presents liability and losses in a clear, organized format. If settlement talks do not align with the evidence, we file suit and continue building the case through discovery and motion practice. At every stage, we explain options and timelines so you can make informed decisions.
We start by listening to your story, clarifying where and how the crash occurred, and reviewing available photos, records, and policy information. We help you document injuries and treatment, and we advise on preserving the ATV and equipment. When appropriate, we notify relevant insurers and request claim numbers, protecting your timeline and benefits. In Harris and Chisago County, we also look for local reports or witnesses who can corroborate key details. This first step steadies the process, identifies early opportunities, and positions the case for a strong investigation.
Your first meeting is focused on clarity. We gather facts, identify potential defendants, and review insurance documents. We confirm reporting obligations and calendar important deadlines so nothing is missed. We discuss treatment plans and how best to document symptoms, referrals, and work limitations. If language or transportation is a concern, we explore solutions to keep your claim on track. By the end of this step, you will understand the immediate next actions and how they support the larger strategy for your Harris ATV case.
We move quickly to secure photographs, identify witnesses, and preserve the ATV and any failed parts. We request police or incident reports and, when helpful, canvass the area for additional sources of information. We open claims with applicable insurers and confirm coverage details in writing. This documentation protects you from misunderstandings and ensures benefits, like Med‑Pay, can be accessed promptly. The goal is to solidify the factual record early and set respectful, professional communication with carriers from the outset.
During investigation, we gather technical materials, maintenance records, and product information if defects are suspected. We analyze photos, terrain conditions, and any available digital data. In parallel, we work closely with your medical providers to document injuries, progress, and prognosis. We calculate wage loss and out‑of‑pocket costs, and we assess how the crash affects daily activities. With these pieces in place, we prepare a demand package tailored to Minnesota law and the realities of a Harris incident. The result is a clear, evidence‑backed request for compensation.
We look at what happened and why. That can include site measurements, lighting, weather data, and analysis of approach paths. If multiple parties were involved, we assess each one’s role and how comparative fault may be argued. We examine policy language to identify coverage triggers and exclusions. This focused liability work sets the stage for effective negotiation, because it shows insurers the case will be evaluated on facts and Minnesota law, not assumptions.
Medical records are organized to tell the story of your injuries from first visit to maximum medical improvement. We compile imaging, therapy notes, and provider opinions, and we account for future care where appropriate. We calculate wage loss, benefits usage, and mileage or equipment costs tied to your recovery. This thorough presentation helps insurers understand both the immediate and lasting impact of the crash, supporting a resolution that addresses your full set of losses.
With liability and damages clearly presented, we engage in negotiation designed to resolve your case efficiently and fairly. If offers do not reflect the evidence, we are prepared to file suit and continue building the case. Litigation may include discovery, expert consultation where appropriate, mediation, and, if necessary, trial. For Harris riders, we file in the proper Minnesota venue and keep you informed at every turn. Our aim is to pursue the best available outcome while respecting your timeline, goals, and comfort level.
We present a well‑supported demand, respond to insurer arguments with facts, and pursue mediation when it can help bridge differences. We prepare you for each step, explaining likely scenarios and how we will respond. Our negotiation style emphasizes clarity, documentation, and forward momentum, with a focus on achieving a resolution that reflects the true value of your claim and the realities of your recovery.
When settlement talks stall, filing suit may be the best path. We draft pleadings tailored to Minnesota law, conduct discovery to obtain critical records and testimony, and prepare for trial while continuing to explore resolution. In Harris cases, that often means litigating in Chisago County District Court. Throughout, we communicate clearly so you understand timing, costs, and options. The goal is to maintain pressure for a fair outcome while protecting your rights at every stage.
It depends on where and how the crash occurred. Many ATV incidents are governed by recreational vehicle or homeowner/farm policies, which may include medical payments and liability coverage. If a roadway vehicle was involved, auto insurance rules can also come into play, potentially opening uninsured/underinsured motorist coverage. Policy details vary, so the best step is to gather all insurance documents and report the incident promptly. We review each policy for notice requirements, limits, and exclusions, then coordinate benefits so you do not miss coverage that could help with medical bills, wage loss, and other damages.
Minnesota law sets strict time limits for filing lawsuits, and some insurance policies also impose notice deadlines. These periods can differ based on the type of claim—negligence, product liability, or contract—and on the facts of your case. Waiting too long may prevent recovery even if liability is clear. Because deadlines can be short, it is wise to evaluate your claim early. We help identify the applicable timelines, protect your rights with prompt notice, and take action that preserves your options while we investigate fault, damages, and available insurance coverage.
Minnesota uses comparative fault, which reduces recovery by your share of responsibility. Being partly at fault does not automatically end your claim, but a higher percentage will decrease the amount you can recover, and being mostly at fault may bar recovery altogether. We counter unfair fault arguments by investigating terrain, line of sight, speeds, and vehicle condition. Photos, witnesses, helmet damage, and medical records can all influence fault assessments. Even if responsibility is shared, a careful presentation of facts can lead to a better allocation and a more accurate settlement.
Yes, recovery may still be possible. Uninsured/underinsured motorist (UM/UIM) coverage can apply in certain ATV crash scenarios, especially when a roadway vehicle is involved or when your policy provides broader protection. Med‑Pay and homeowner/farm liability coverage may also help with medical bills and other losses. We examine all available policies—yours and the other parties’—to identify paths to compensation. Timely notice is essential, as UM/UIM and Med‑Pay benefits can have short reporting windows. Coordinating these coverages helps ensure bills are addressed while the liability investigation continues.
Compensation may include medical expenses, rehabilitation, and out‑of‑pocket costs related to treatment and recovery. Wage loss, reduced earning capacity, and property damage are commonly pursued. Pain, suffering, and loss of enjoyment of life can also be recoverable when supported by medical evidence and the facts of the crash. We work with you and your providers to document injuries and the real‑world impact on daily activities. That documentation, combined with a clear liability presentation, helps insurers understand the claim’s full value and supports a settlement that addresses both present and future needs.
We offer a free case review and work on a contingency fee, meaning you pay no attorney fees unless there is a recovery. Our fee is a percentage of the outcome, discussed clearly at the outset, so you know how representation will be funded. This arrangement aligns our work with your goals and allows you to focus on treatment instead of worrying about hourly billing. We also explain potential costs, such as records or filing fees, and how they are handled, so there are no surprises as your Harris ATV case moves forward.
Be cautious. Insurers often seek recorded statements and broad medical authorizations early, which can affect how your claim is evaluated. Without context, innocent statements may be used to dispute fault or minimize injuries. You can politely request time to review, limit statements to facts, and avoid speculation. We can handle communications, ensuring the record reflects accurate details and appropriate documentation. This approach protects your credibility and keeps the claim aligned with the medical and factual evidence.
Photographs of the scene, ATV damage, and protective gear are very helpful, along with contact information for witnesses. Incident or police reports, maintenance logs, and any available digital data—GPS tracks or ride apps—can also support liability analysis. Medical records, imaging, therapy notes, and consistent follow‑up show the nature and progression of injuries. Wage records and receipts document economic losses. Preserving the ATV and broken parts can be critical if a component failure is suspected. The stronger the evidence, the more clearly your claim can be presented.
Yes. If a design flaw, manufacturing error, or inadequate warning contributed to the crash or the severity of injuries, a product liability claim may be pursued against the manufacturer or others in the supply chain. Examples include brake failures, steering defects, or faulty helmets. Preserve the ATV and components for inspection, avoid repairs, and gather purchase and maintenance records. We evaluate technical materials and recall information, coordinating product theories with negligence claims against riders or property owners when appropriate to maximize available coverage.
Many Harris ATV claims settle out of court after a thorough investigation and well‑documented demand. Settlement can save time and uncertainty, but it should still reflect the true value of your injuries, losses, and future needs. If negotiations stall or liability is hotly disputed, filing suit can be the best route. We prepare for litigation while continuing to explore resolution through mediation or further talks. Whether by settlement or in court, our focus is a fair outcome grounded in facts and Minnesota law.
