Situations
Something happened. Here's what to do.
Most people call us the day something goes wrong. These pages cover the situations we hear about most — what to do first, which coverage applies in Minnesota, and what the repair actually involves.
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What just happened to your car?
- Rear-Ended in Minnesota? Here’s What to Do Next Rear-ended in Minnesota: the steps to take at the scene, whose insurance pays for the damage, and what a proper rear-end repair involves.
- Someone Hit My Parked Car — What Now? Your parked car was hit in Minnesota. How to document it, whether your coverage or the other driver’s pays, and how the repair gets handled.
- Hit-and-Run Damage in Minnesota — What to Do Hit and run in Minnesota: report it, what coverage pays when the other driver is never found, and how the repair and deductible work.
- Hit a Deer in Minnesota? Here’s What Happens Next Hit a deer in Minnesota: what to do at the roadside, why comprehensive coverage pays, and what deer-strike repair involves on a modern car.
- T-Boned in an Intersection? What Side-Impact Damage Means T-boned in an intersection? How fault gets decided, why side impacts are structural, and what a correct side-impact repair includes.
- Hit in a Parking Lot With No Note Left — Now What? Came back to damage and no note? How to find the driver, what Minnesota law required them to do, and which coverage pays for the repair.
- Shopping Cart Dented My Car — Who Pays? A runaway shopping cart dented your car. Whether the store pays, how your own coverage treats it, and what the dent takes to repair.
- Scraped My Car on the Garage Door — What Now? Scraped your car on the garage door or frame? What the damage usually involves, which policy covers what, and how the repair is done.
- Curb Rash and Wheel Damage — What Can Be Fixed Curbed a wheel? What curb rash means, when the damage goes past the rim, what we repair in-house and who handles wheel refinishing.
- Pothole Damage in Minnesota — Who Pays and What to Fix Hit a pothole in Minnesota? What to check, whether the city pays, how collision coverage applies, and which damage a body shop can fix.
- Slid Off the Road Into a Ditch — What to Do Slid off a Minnesota road into the ditch. What to do while you wait, how collision coverage applies, and what ditch damage takes to repair.
- Black Ice Crash in Minnesota — What to Do Next Crashed on black ice in Minnesota? Why weather does not remove fault, how the claim is handled, and what the repair usually involves.
- Snowplow Damaged My Car — What Are My Options? A snowplow hit or sprayed your car. How claims against a city or contractor work, what your own coverage does, and how the damage is repaired.
- Road Salt Rust on a Minnesota Car — Can It Be Repaired? Road salt rust on a Minnesota car: where it starts, why insurance will not cover it, and what proper rust repair and refinishing involves.
- Rock Chips in Your Windshield and Paint — What to Do A rock hit your windshield and hood. Minnesota glass coverage rules, why paint chips matter in winter, and what each repair takes.
- Gravel Road Paint Damage — Sandblasted Paint Repair Gravel roads sandblast paint on lower panels and front ends. What the damage does, whether insurance covers it, and how refinishing works.
- My Car Was Keyed — What to Do About Vandalism Damage Someone keyed your car. Why it is a comprehensive claim, why a police report matters, and what it really takes to repair a keyed panel.
- A Tree Branch Fell on My Car — What Now? A branch or tree fell on your car. Why comprehensive coverage pays, what to photograph, and what roof and hood damage takes to repair.
- Flood Water Damage in Minnesota — What Happens to the Car Car in flood water in Minnesota? Why not to start it, how comprehensive coverage works, and what a body shop can and cannot repair.
- Hit a Mailbox or Post — What to Do About the Damage Hit a mailbox, sign, or fence post? What you owe the property owner, which coverage pays for your car, and what post damage does to a panel.
- Backed Into a Pole — How Bad Is the Damage? Backed into a pole or bollard? What to check on the rear of the car, how collision coverage applies, and what the repair really involves.
- Door Ding in a Parking Garage — Is It Worth Fixing? Someone dinged your door in a parking ramp. Whether it is worth a claim, what the repair takes, and how to decide before you call anyone.
- Sideswiped While Merging — Who Is at Fault? Sideswiped on a Minnesota highway merge. How fault gets decided when both drivers disagree, and what multi-panel scrape repair involves.
- Multi-Car Pileup — How the Claim Works Caught in a chain-reaction pileup? How fault is divided in Minnesota, why these claims take longer, and how to get your car repaired now.
- An Uninsured Driver Hit Me in Minnesota — Now What? An uninsured driver damaged your car in Minnesota. Which coverage pays, why UM property damage is optional here, and how to get repaired.
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Mon–Sat · 9 AM–11 PM · Sundays by appointment · 8080 W 125th St, Unit G, Savage