TEXT US: 651.565.7258

Spring 2016

Your MN Auto Insurance Covers Rental Cars

Minnesota law requires every auto insurance policy, under the property damage liability portion, to provide a minimum of $35,000 in coverage, without a deductible, for damage to, and loss of use of, a rental car (including pickup trucks and vans under 26,000 pounds). This means you do not need to purchase additional coverage from the car rental company unless you're concerned $35,000 isn't enough coverage. Feel free to contact me with any questions before you rent a car.



Have You Been the Victim of Insurance Fraud?


According to the Insurance Federation of Minnesota, insurance fraud costs the average Minnesota family about $1,000 per year. Knowing how to recognize fraud helps keep you safe and keep insurance costs lower overall.

Fraudsters use many different strategies to get money out of you and your insurance company. One such technique is called the "Drive Down". Here's how it works: You're waiting to turn and the vehicle opposite you waves you forward, then suddenly blocks your car and a third vehicle crashes into you. The video more clearly explains how the Drive Down scheme works.

In addition to the Drive Down, scammers will often cause accidents by targeting distracted drivers. They'll pass a distracted driver, then suddenly jam on the brakes, causing the victim to rear end them. Many times they employ the help of a second vehicle to drive in the lane beside the victim blocking them from changing lanes to avoid the collision.



What can I do to avoid auto insurance fraud?

  1. Stay alert when you're behind the wheel.
  2. Take note of what's happening beyond the vehicle in front of you so you can prepare early to brake or otherwise avoid collision.
  3. Don't tailgate.
  4. If you do have an accident, call the police.
  5. Be alert for people trying to talk you into using a specific medical, legal, or auto body provider.
  6. Install a dash cam. They cost as little as $40 and can save you if you're ever targeted by fraudsters.

What do I do if I think I've been a victim of auto insurance fraud?

  1. Let your insurance agent know right away.
  2. Only use medical or legal providers you know and trust.
  3. Keep records of your medical treatments and compare them with the statements you receive from your insurance company. Unscrupulous service providers will "pad" the costs or add services that were never performed.


Our Location

Dean Olson Insurance Agency

Dean Olson Insurance Agency

3570 Lexington Ave North Suite 140
Shoreview, MN 55126
Main office: 651-633-0408

Our Providers

“I never doubt Dean's integrity, meaning he is working to find the best product that meets my needs at the best price.”
Mary Daniel
“Dean is always quick to respond and offer the most helpful advice! I know he is always looking out for our best interest!”
Nicole Demuth
“Dean, you are thoughtful about the policies you offer. They make good sense for my needs. You also provide outstanding service. Lastly, you are very personable and a pleasure to work with.”
Louis Tschudy
“When we unexpectedly had a problem with our auto coverage, it was very helpful to be working with an insurance broker who had experience and knowledge of multiple insurance companies. Dean was very thorough and worked with us on a tight timetable, following our move to the area.”
Ross Johnson
“Dean has always been very good with all our insurance needs always gets us the best price possible and takes his time talking with us always prompt getting back to us.”
Glenn Swanson
”Dean takes the time to explain complicated insurance issues in plain language. He learns about your individual situation and helps you to pick the insurance that's right for you, and that something you can't get from a website or an app.”
Conrad Workman
“Newer customer who left American Family after 30 years due to service. Met with Dean and he reviewed my existing coverage and sourced multiple companies to find the better coverage and provide cost savings over my old coverage.”
Jan Aamodt
“I’ve learned more from Dean about insurance than I’ve ever learned before. He has patience to answer questions and I feel like he truly looks out for my best interest!”
Rhonda Gasiorowski
“For two decades we have been working with you on all our insurance needs. Always we have received timely service, great info and high quality product at a fair price point.”
Oliver Papp
“Dean has been easy to reach for questions, extremely kind and caring in explanations, and great about helping me with the best insurance options available.”
Michelle Horn
“Dean is always helpful. Always answers questions honestly and immediately always great advice.”
Mary Kappel
“You have always been available to answer any questions or needs we might have. You compared and found us the best cost effective insurance for our needs.”
Gary Savage
“I have recommended you to my son and others. Thanks!”
Stephanie Nustad