In a community known for lakes, resorts, and neighborhood paths, golf carts are a convenient way to get around Alexandria. When a ride ends in a collision or rollover, injuries can disrupt work, family plans, and your sense of normal. Metro Law Offices helps injured people across Minnesota pursue fair compensation after golf cart incidents on streets, trails, resort grounds, and private property. From sorting medical bills to dealing with multiple insurers, we guide you through each step. If you were hurt in a golf cart crash anywhere in Alexandria or Douglas County, reach out for a free consultation at 651-615-3322 to discuss your options.
Golf cart accidents raise unique questions that standard auto claims do not, especially when carts are used on resort property or within homeowners associations. Coverage may involve no-fault benefits, homeowner’s policies, business insurance, or a combination. Our role is to identify all available insurance, document your injuries, and protect your claim from early mistakes. We listen to your goals, whether that means quick bill relief or full accountability for long-term harm. If you are unsure where to start, an early call can help preserve evidence and reduce stress. Metro Law Offices serves Alexandria and surrounding Minnesota communities.
After a golf cart accident, it is common to face confusing questions about no-fault benefits, homeowner’s coverage, and liability among drivers, property owners, or rental companies. Early guidance can prevent missed deadlines, recorded statements that are used against you, and gaps in treatment that reduce the value of a claim. A careful strategy can coordinate medical payments, secure wage loss documentation, and make sure every responsible party is placed on notice. In Alexandria, where golf carts share space with pedestrians, vehicles, and resort traffic, a tailored approach can make the difference between a rushed settlement and full, fair compensation for your injuries.
Metro Law Offices is a Minnesota personal injury law firm focused on advocating for injured people and their families. We know how golf cart cases differ from standard car collisions and how to navigate the mix of policies that can apply on resort grounds or private property. Clients choose us for responsive communication, clear explanations, and steady advocacy from intake through resolution. We prepare each case carefully with documentation that supports your medical needs, wage loss, and future care. There are no upfront fees, and we only get paid when we recover compensation for you. Call 651-615-3322 to learn how we can help.
Representation in a golf cart injury case begins with protecting your health and your claim. We help coordinate medical care, explain available no-fault benefits, and notify insurers so bills are processed correctly. Next, we document how the incident happened and identify all potentially responsible parties, which can include a cart driver, a vehicle operator, a property owner, a resort, or a rental company. Our goal is to build a complete picture of your damages—medical treatment, time away from work, and how pain affects daily life—so the outcome reflects real losses. Throughout the process, we keep you informed and involved in every material decision.
The unique setting of many Alexandria golf cart crashes—paths, parking lots, neighborhood streets, and lake communities—means evidence can fade quickly. We seek photos, witness statements, property records, and maintenance information to preserve what you need for a strong claim. If multiple insurers are involved, we handle communications to prevent mixed messages or delays. When the time is right, we present a demand package supported by medical records and clear liability analysis. If settlement talks stall, we discuss next steps, including filing suit. Our mission is straightforward: reduce your stress, protect your rights, and position your case for the best available result.
A golf cart accident claim involves injuries caused by the operation, maintenance, or unsafe use of a cart on public roads, private property, resort grounds, or neighborhood paths. Claims may arise from collisions with vehicles or pedestrians, rollovers due to speed or terrain, defective components, or unsafe entrustment of a cart to an untrained driver. In Minnesota, coverage can include no-fault benefits and liability insurance, and may extend to homeowner’s or commercial policies if the incident occurred on private or resort property. The claim’s value depends on medical treatment, lasting symptoms, wage loss, and how the injuries limit daily activities and future plans.
Every successful claim rests on clear liability, documented injuries, and available insurance. We evaluate duty and breach—what the at-fault person or entity should have done—and connect that conduct to your injuries. We gather photos, scene measurements, witness statements, medical records, and billing to support damages. Insurers are notified early to preserve benefits and avoid disputes over coverage. After treatment stabilizes, we present a demand with liability analysis and proof of losses. Most cases resolve through negotiation, but if talks stall, we are prepared to file and litigate. From start to finish, communication and thorough documentation drive better outcomes.
Understanding several Minnesota concepts can help you make confident decisions after a golf cart crash. No-fault benefits may help with medical bills and certain wage losses regardless of fault. Liability coverage addresses the harm caused by unsafe operation or negligent maintenance. Comparative fault can reduce recovery if more than one person shares responsibility. Deadlines apply, and some insurance policies require prompt notice. Property owners and resorts may also have duties related to safe paths, lighting, and maintenance. These ideas shape strategy, timing, and the documentation needed to support your claim in Alexandria and throughout Minnesota.
Minnesota’s no-fault system provides certain benefits for medical treatment and, in some cases, wage loss and replacement services, regardless of who caused the incident. After a golf cart accident, these benefits can help you access care quickly while liability is investigated. Coverage details vary, and coordinating benefits with private health insurance and any applicable homeowner’s or commercial policies can avoid delays. Timely notice and the correct claim forms are important to keep bills moving. We help clients understand eligibility, submit documentation, and respond to insurer requests so care is not disrupted while the broader claim continues.
A statute of limitations is the legal deadline to bring a claim in court. In injury cases, different deadlines can apply depending on the type of claim and parties involved. Some policies also contain shorter notice requirements that affect coverage. Waiting can risk losing important rights, especially when witnesses move or records are discarded. We encourage contacting a lawyer early so your timeline is evaluated correctly and critical notices are sent. While many cases resolve before a lawsuit is filed, understanding your deadlines helps set a strategy that preserves leverage during negotiations and protects your ability to file if necessary.
Comparative fault addresses situations where more than one person shares responsibility for an injury. In a golf cart case, an insurer may argue a driver, passenger, or pedestrian bears some blame. Under Minnesota law, your compensation can be reduced in proportion to your share of fault, and recovery may be barred if responsibility exceeds a certain threshold. Careful investigation helps assign fault accurately and push back against unfair allocations. By collecting physical evidence, obtaining witness statements, and examining property conditions or maintenance records, we work to ensure the facts—not assumptions—drive the outcome in your Alexandria claim.
Premises liability involves the responsibility of property owners and managers to maintain reasonably safe conditions. For golf cart incidents on resort grounds, private paths, or HOA property, this can include safe surfaces, proper lighting, clear signage, and reasonable rules for cart operation. If a hazardous condition contributes to a crash—such as a poorly maintained path or obstructed sightline—claims may extend beyond the cart driver to the property owner or business. We evaluate maintenance records, prior complaints, and design issues to understand how the environment affected the collision and to make sure all responsible parties are identified.
Some people handle small claims on their own, especially if injuries are minor and treatment ends quickly. Others choose full representation to coordinate benefits, account for future care, and manage multiple insurers. Working with a lawyer can help you avoid recorded statements that harm your case, low offers based on incomplete documentation, or settlements that overlook wage loss and ongoing symptoms. A do-it-yourself approach may feel faster, but it can leave value on the table. We encourage a free consultation so you can compare paths, understand potential pitfalls, and decide what level of help fits your goals and situation.
If you experienced mild soreness or bruising that resolved after a brief period and you did not miss work, a limited approach may meet your needs. In these situations, medical bills are modest, liability may be clear, and documentation straightforward. You might be comfortable submitting records and negotiating a small settlement for out-of-pocket costs. Even then, a quick call can help you confirm which benefits apply and how to present records to avoid delays. Our team can offer guidance so your paperwork is complete and deadlines are met, without committing you to a longer process than necessary.
When a driver accepts fault, the damage is minor, and there is little or no ongoing medical treatment, some people choose to communicate directly with insurers. If you take this path, keep copies of all bills, use your available no-fault benefits, and avoid giving broad recorded statements. Remember that small aches sometimes worsen after the adrenaline wears off, so follow up with a provider if symptoms persist. We are happy to review your situation in a quick consultation and suggest steps to protect yourself, even if you ultimately decide to continue without formal representation.
Neck, back, or head injuries, fractures, and injuries that affect daily activities call for a comprehensive approach. Thorough documentation, specialist referrals when appropriate, and careful tracking of wage loss and household services can greatly influence the outcome. We coordinate records, bills, and provider narratives to present a clear picture of how the crash changed your life. We also address future care, flare-ups, or work limitations so these losses are not overlooked. With multiple insurers often involved in Alexandria golf cart cases, comprehensive representation helps ensure the full scope of your damages is recognized and pursued.
If an insurer blames you, liability is unclear, or several parties are involved—such as a property owner, rental company, and driver—comprehensive representation protects your interests. We secure evidence, analyze rules governing cart use, and review maintenance and path conditions that may have contributed to the crash. Comparative fault arguments are common and can reduce compensation if not addressed with facts. Our approach focuses on gathering objective proof, consulting appropriate resources, and handling communications so your statements are consistent and strategic. The goal is to position your case for fair resolution while preserving your ability to file suit if needed.
A thorough strategy brings order to a stressful time. It coordinates medical care, confirms available benefits, and ensures each insurer receives timely notice. By documenting your injuries with detail—treatment plans, work restrictions, and provider notes—we provide a clear, credible record of harm. We also track out-of-pocket expenses and the daily ways pain interferes with life in Alexandria, from outdoor activities to caregiving and work. This foundation strengthens negotiations and reduces the chance of an undervalued settlement that leaves you with lingering bills or limited options for future care.
Comprehensive representation also anticipates the defense. We address arguments about comparative fault, gaps in treatment, or preexisting conditions with evidence and consistent medical narratives. If settlement talks slow, we prepare for mediation or court, which can motivate fairer offers. Throughout, you stay informed and in control of decisions, with clear explanations of risks and benefits. For golf cart cases in Alexandria, where property ownership, rental agreements, and roadway rules can overlap, a full-spectrum approach helps ensure that no responsible party or source of recovery is overlooked.
When care is coordinated and thoroughly documented, insurers have fewer excuses to discount your injuries. We make sure medical records reflect your symptoms, activity limits, and future needs. We gather employer statements for wage loss and receipts for medications, devices, and travel to appointments. For Alexandria residents who split time between work, the lake, and family responsibilities, this level of detail shows how the injury truly impacts daily life. In turn, settlement discussions are grounded in concrete evidence rather than assumptions, which helps move your case toward a fair, timely resolution.
The best negotiations happen when the other side knows you are prepared to take the next step. By building your case as if it will be filed, we demonstrate seriousness and reduce delays. We line up witnesses, organize exhibits, and address defenses in advance. If fair settlement is possible, preparation creates leverage. If not, you are positioned to move forward without starting from scratch. In Alexandria golf cart cases, where multiple insurers may be involved, this readiness can prevent the back-and-forth that drains momentum and keeps you from getting the closure you deserve.
If it is safe, take wide and close photos of the cart, paths, skid marks, signage, and any hazards like loose gravel or poor lighting. Capture weather conditions and photograph injuries the same day and as they evolve. Gather the names and contact information of witnesses and note whether nearby homes or businesses have cameras. Keep the cart rental agreement or HOA rules if applicable, and save all receipts and medical records. This early groundwork helps establish liability and damages, especially in Alexandria locations where conditions can change quickly with traffic, maintenance, or weather.
Resorts and HOAs often have rules for cart operation and maintenance that can affect liability and coverage. Save any rental contracts, rule books, or emails with property managers, and take photos of posted signs. If a path defect, poor lighting, or unsafe design contributed to the crash, report it and request that evidence be preserved. Avoid making statements that guess about fault before all facts are known. We review contracts and policies to determine which insurers should be involved and to make sure your rights are protected under the agreements that apply in Alexandria.
You may benefit from a lawyer if injuries persist, bills are piling up, or multiple insurers point fingers at each other. We help coordinate no-fault benefits, pursue liability claims, and gather medical evidence that reflects the full impact of your injuries. If your work or family responsibilities in Alexandria limit the time you can spend on the claim, we take on the heavy lifting while keeping you in control of major decisions. A quick call can clarify your options and prevent steps that might weaken your position later.
Property owners, rental companies, and drivers sometimes deny responsibility or claim the injuries are unrelated. We address these defenses by assembling objective proof, including records, images, and witness statements. When necessary, we consult appropriate resources to explain mechanisms of injury and path conditions. Our approach is practical, transparent, and designed to move your case forward without surprise. If settlement is reasonable, we work to secure it. If not, we discuss litigation so you understand the path ahead. Either way, you receive clear guidance grounded in Minnesota law and the realities of Alexandrias roads and resort areas.
We frequently see claims related to collisions between carts and cars in neighborhood intersections, rollovers on uneven terrain near lakes, and incidents on resort or HOA property with disputed coverage. Some crashes involve carts driven on public roads without proper lighting; others stem from faulty brakes or steering. Passengers are often injured when a cart tips during a sharp turn or sudden stop. These cases can involve many layers of insurance, and responsibilities may overlap. If any of these scenarios sounds familiar, we can evaluate your situation and outline a plan tailored to conditions common in Alexandria.
Resort paths and neighborhood crossings see mixed traffic where carts meet cars, bicycles, and pedestrians. Sightlines can be blocked by landscaping or buildings, and unfamiliar visitors may not expect carts at intersections. When a crash occurs, we examine signage, right-of-way rules, and whether speed or visibility played a role. We also look at lighting and property maintenance to determine if a hazard contributed. Because resort and HOA policies vary, we identify all available coverage and coordinate claims so medical bills are handled while liability is resolved, keeping your focus on treatment and recovery in Alexandria.
Rental contracts and HOA rules can change who is insured and how claims are processed. Some agreements restrict drivers, routes, or nighttime use; others address maintenance responsibilities. We request copies of agreements, verify policy limits, and confirm whether the property owner, rental company, or individual operator is responsible. If a defect or maintenance failure contributed, we investigate service records and any prior complaints. We also manage communications with competing insurers to prevent gaps in coverage. The goal is to untangle responsibility efficiently and secure the benefits you need to keep your care on track in Alexandria.
Sudden rollovers can result from worn tires, brake issues, steering failures, or unstable terrain like steep slopes and loose gravel. We work to preserve the cart for inspection, review maintenance history, and document the scene before conditions change. If a product defect or negligent maintenance is suspected, additional claims may be available against the responsible parties. We also examine whether property design or lack of warnings increased the risk. By capturing this evidence early, we strengthen liability arguments and protect your ability to pursue full compensation for injuries that often have lasting effects on daily life.
We know how to untangle coverage when a crash happens on resort grounds, HOA property, or neighborhood streets. Our team coordinates no-fault benefits, investigates liability, and documents your injuries with the detail insurers require. You will have a direct line to your legal team for updates, and we will set expectations about timing, risks, and next steps. We are committed to respectful communication and practical advice that reduces stress during a difficult time for you and your family.
From the first call, we focus on what matters most: your recovery and a fair outcome. We collect records efficiently, address insurer tactics that minimize injuries, and move your case forward with a plan tailored to Alexandria conditions. We prepare every file as if litigation could be needed, which strengthens negotiations and helps keep timelines realistic. At each decision point, you control the path with our guidance and clear explanations of your options under Minnesota law.
We offer free consultations, handle the paperwork, and do not charge upfront fees. Our fee is contingent on recovery, aligning our interests with your results. If a settlement is fair, we will say so. If it is not, we will explain alternatives and what they mean for you. Whether your case involves a simple insurance claim or a dispute with multiple parties, we are ready to help you pursue the compensation you deserve in Alexandria.
Our process is built to protect your health, preserve evidence, and position your case for fair resolution. We begin with a thorough consultation, confirm available benefits, and create a plan for medical documentation. Next, we investigate liability, secure witness statements, and analyze property conditions or rental agreements that may shape coverage. When treatment stabilizes, we present a demand supported by records and a clear damages analysis. If settlement efforts stall, we discuss filing suit and prepare for the steps ahead. Throughout, you receive consistent updates and practical guidance on decisions that affect your case.
You meet with our team to discuss how the crash happened, your injuries, and your goals. We review medical needs, confirm insurers, and outline immediate steps to protect benefits and evidence. You will receive guidance on treatment, documentation, and how to handle calls from adjusters. We open claims as needed and collect initial records, photos, and witness information. Our goal is to reduce the burden on you and create a roadmap that reflects the realities of Alexandria golf cart incidents, including the interplay of no-fault, homeowner’s, and commercial coverage.
Every case starts with listening. We want to understand where the incident occurred, who was involved, and how your injuries are affecting daily life at home and work. We identify immediate needs, such as scheduling follow-up care or coordinating wage loss. You will leave the meeting with practical steps to protect your well-being and claim. This foundation ensures that future decisions stay aligned with your priorities and that we capture key details before memories fade or conditions change around Alexandria’s paths and neighborhoods.
We explain how Minnesota no-fault works, what liability coverage may apply, and which deadlines matter now. You will receive advice on interacting with insurers, including avoiding broad authorizations or recorded statements that can be used out of context. We map out an early strategy—what documentation to collect, which notices to send, and how to coordinate bills so care is not interrupted. This structure helps you feel confident and supported while we start building the evidence needed for a strong claim.
We gather proof of fault and damages, including scene photos, witness statements, cart maintenance records, and any HOA or resort rules. We send notices to insurers, request policy information, and confirm coverage for all involved parties. Medical records and bills are collected, and we track out-of-pocket expenses and wage loss. If needed, we consult appropriate resources to address property conditions or mechanical issues. With the facts organized and benefits coordinated, we prepare your case for meaningful settlement discussions grounded in accurate, complete documentation.
We move quickly to secure time-sensitive evidence: photos before repairs, witness memories while fresh, and property records that show maintenance or design. We compare the facts to Minnesota duties of care for drivers and property owners and identify all parties who may share responsibility. Where helpful, we create diagrams or timelines to clarify events and address disputes about speed, visibility, and path conditions common in Alexandria. This focused analysis helps counter blame-shifting and supports a straightforward, persuasive presentation of liability.
We coordinate medical documentation so your injuries and recovery are accurately recorded. That includes treatment summaries, work restrictions, and provider narratives that explain ongoing symptoms or future care. We verify wage loss with employer statements and gather receipts for medications, devices, and travel. This complete damages profile ensures negotiations account for what you have endured and the limitations that may continue. When your treatment stabilizes, we prepare a demand package that connects the medical picture to the incident and sets the stage for productive settlement talks.
With liability and damages documented, we pursue settlement discussions aimed at fair compensation. We respond to defenses with evidence and seek mediation where helpful. If a reasonable agreement cannot be reached, we discuss filing suit, timelines, and what to expect in litigation. Because we build files with court in mind, you are not starting over if the case needs that step. Throughout resolution, you receive candid guidance so decisions reflect your goals and the realities of Alexandria venues and Minnesota law.
We present a clear demand supported by records, photos, and a liability analysis tailored to the facts. We explain how offers compare to similar outcomes and whether mediation could help close the gap. Our negotiation approach is firm and informed, with an emphasis on the details that matter most to adjusters and decision makers. You remain involved at every stage, and we do not accept an offer without your consent. The goal is to secure a fair result efficiently while protecting your long-term interests.
If litigation becomes necessary, we file within applicable deadlines and continue building your case through discovery, depositions, and motion practice. We keep you prepared for each step with clear expectations and practical tips, from answering written questions to appearing for testimony. Many cases still resolve before trial once the defense sees the strength of the evidence. If trial is required, you will have a plan tailored to your case and the local rules that apply in Minnesota courts serving the Alexandria area.
Move to a safe place, call 911 if anyone is hurt, and request medical evaluation even if symptoms seem mild. Photograph the scene, cart damage, surfaces, signage, and lighting. Get names and contact information for witnesses and note whether nearby homes or businesses have cameras. If the incident occurred on resort or HOA property, ask for the manager’s contact and incident report. Do not admit fault, and avoid speculating about what happened before you have all the facts. Preserve the cart if mechanical issues may have played a role. Next, notify your no-fault insurer to start benefits and seek follow-up care promptly. Keep a file with bills, receipts, and a simple journal describing pain levels and activity limits. Politely decline recorded statements until you understand your rights. Early legal guidance can help coordinate benefits, identify all potential coverage, and protect your claim from common missteps. For a free consultation in Alexandria, call Metro Law Offices at 651-615-3322.
Minnesota’s no-fault system can provide benefits for medical treatment and certain wage losses regardless of fault. If the crash involved a vehicle, your auto policy may be primary for medical bills. Where carts are used on resort or HOA property, homeowner’s or commercial policies might also play a role, depending on the facts and policy language. Prompt notice to the correct insurer is important to avoid delays or denials. If another party is responsible, a separate liability claim may address additional losses such as pain and suffering and remaining wage loss. Coordinating no-fault benefits with health insurance prevents gaps in care. Because coverage can be split among multiple insurers in Alexandria golf cart cases, it helps to have someone organize the claims, confirm policy limits, and keep bills moving while the liability case is investigated and pursued.
Yes. Passengers frequently have strong claims when injured by unsafe operation, rollovers, or collisions with vehicles or pedestrians. Your rights do not depend on being the driver. In many cases, no-fault benefits are available to help with medical bills and wage loss, and a liability claim may be pursued against the at-fault party. If the incident occurred on resort or HOA property, additional policies could apply, including homeowner’s or commercial coverage. Document your injuries promptly and follow medical recommendations. Avoid giving recorded statements to opposing insurers before you understand the scope of the questions. We can help identify every source of coverage and ensure your claim considers all damages, including how your injuries limit daily activities in Alexandria, from work to family responsibilities and recreation.
Rental and HOA agreements often control who may operate carts, where they can be driven, and how maintenance is handled. These documents can affect which insurer is responsible when an injury happens. We request copies of the contract, examine posted rules and signage, and confirm whether commercial or homeowner’s policies apply. If a path defect, poor lighting, or maintenance failure contributed, premises liability claims may be involved. Do not assume you are limited to the rental company’s initial position. Coverage and liability are fact-specific, and it is common to find multiple policies that share responsibility. Preserve the cart and report hazards so evidence is not lost. Early review helps us send the right notices and guide your claim efficiently within the unique setting of Alexandrias resort and HOA properties.
Possibly. Under Minnesota’s comparative fault rules, your compensation can be reduced by your share of responsibility, and recovery may be barred if your share exceeds a certain threshold. Insurers often argue shared fault in golf cart cases, especially where visibility, speed, or path rules are in dispute. Careful investigation helps assign responsibility fairly and protect your claim. We gather photos, witness statements, and property records to clarify what happened and why. We also analyze rules governing cart use, lighting, and maintenance to address arguments that overstate your role. With clear evidence, negotiations are based on facts rather than assumptions, improving your chances of a fair resolution in Alexandria.
Timelines vary based on medical treatment, liability disputes, and the number of involved insurers. Many cases are not ready for settlement until treatment stabilizes, which ensures damages are accurately documented. Straightforward claims may resolve within months, while disputes involving property owners, rental companies, or complex injuries can take longer. We work to keep your case moving by coordinating records, addressing insurer requests, and setting realistic expectations. If settlement stalls, filing suit can sometimes re-energize negotiations. Throughout, you receive updates and practical guidance so you understand the next steps and can plan around work, family, and life in Alexandria.
Available compensation may include medical expenses, wage loss, and, in liability claims, compensation for pain, suffering, and loss of enjoyment of life. We also track out-of-pocket costs such as mileage to appointments, medical devices, and household services needed during recovery. If injuries affect your ability to work or care for family, we document those losses carefully. Each case is unique. We build a damages profile that reflects your day-to-day reality in Alexandria, using provider narratives and employer statements to support the claim. This clear documentation helps insurers understand the full scope of harm and supports a settlement that accounts for both current and future needs.
It depends on the policy language and where the incident occurred. Homeowner’s insurance may apply when a cart is used on or near the insured property, while commercial or resort policies may be involved on business premises. If a vehicle was part of the crash, auto coverage could also come into play. Determining which policy is primary requires careful review of the facts and contracts. We obtain policies, examine rental or HOA agreements, and send timely notices to each insurer. By coordinating these claims, we help avoid gaps that delay medical payments or reduce the value of your injury claim. This approach is especially helpful in Alexandria, where golf cart use frequently overlaps with private property and resort operations.
Be cautious. Adjusters for the other side may ask for recorded statements or broad medical authorizations early in the process. These can be used to limit your claim or blame unrelated conditions. You are not required to give a recorded statement to the opposing insurer. Provide only the basic information necessary to open claims and direct further inquiries to your legal representative. Before speaking with any insurer, consider a brief consultation to understand your rights and obligations. We help you respond accurately, avoid unnecessary disclosures, and keep communications consistent with your strategy. This reduces the risk of statements being taken out of context and helps protect your claim in Alexandria.
Metro Law Offices offers free consultations and charges no upfront fees. We handle golf cart injury cases on a contingency basis, which means our fee is a percentage of the recovery. If there is no recovery, you owe no attorney’s fee. We explain the arrangement clearly at the start, including costs that may arise if a lawsuit is filed, so there are no surprises. This structure aligns our interests with achieving a fair result. We keep you informed about offers, risks, and next steps so you can make confident decisions. If you were hurt in a golf cart accident in Alexandria or elsewhere in Minnesota, call 651-615-3322 to discuss your options.
