About our high-risk insurance help
This Richfield area service explains high risk auto insurance options by phone, including Minnesota proof requirements, without promising a price, approval, reinstatement, or any other outcome.
01What we do
What we do
A real person answers insurance questions by phone 24/7. We help you understand what information an insurer may need, how Minnesota proof of coverage works, and what to review before speaking with the Minnesota DVS or an insurer.
02Who
Who we work with
We speak with drivers dealing with suspensions, uninsured driving, coverage lapses, or DWI (DUI) requirements. We also help people without a car understand possible non owner coverage questions and what details an insurer will consider.
What we are not
We are not the insurer or a Minnesota state agency. We cannot erase a ticket, change a court order, make a license valid, or decide whether Minnesota DVS will reinstate driving privileges.
03How we work
How we work
Plain language
We explain insurance terms and Minnesota proof requirements in ordinary language, without assuming you know the process.
Honest expectations
We separate what an insurer decides from what Minnesota DVS or a court may require.
Careful questions
We ask about your notice, driving situation, vehicle use, and coverage history before discussing possible insurance paths.
No judgment
A suspension, lapse, uninsured ticket, or DWI (DUI) requirement does not change how we treat your questions.
Clear next steps
We help you identify documents and details to have ready for a conversation with an insurer or agency.
04Service area
Service area
This phone based service is based in the Richfield area and serves nearby communities by phone. A Richfield town page does not mean there is an office in that community.
05FAQs
Frequently asked questions
How does the phone based help service work?
A real person listens to your situation, explains relevant insurance questions, and helps you organize information for an insurer or Minnesota DVS. The insurer and agency make their own decisions.
What should I have ready for the phone conversation?
Have your notice, driver information, vehicle details, coverage history, and any insurer or Minnesota DVS correspondence nearby. The details on your notice help keep the discussion focused.
I moved to Minnesota and another state still requires an SR-22. Can you help?
An SR-22 may apply only because the other state requires it. We can discuss insurance questions for that out of state obligation, while the other state and its agency determine what remains due.
Can you reinstate my license?
No. Minnesota DVS handles proof of insurance and reinstatement decisions. We can help explain insurance information to gather, but only the agency can determine whether your driving status changes.
Can you remove an uninsured ticket or DWI (DUI) requirement?
No. We cannot erase a ticket, change a court order, or decide a DWI (DUI) requirement. Review your notice and direct court or agency questions to the court or agency named there.
Can you insure me if I do not own a car?
Possibly, depending on the insurer and your situation. We can discuss non owner coverage questions, but the insurer decides eligibility, available coverage, and the terms of any policy.
Does the Richfield page mean there is an office near me?
No. The service is handled by phone from the Richfield area and may serve nearby communities. The page does not represent a local office or a government location.
What affects my high risk auto insurance options?
Insurers may consider your driving history, coverage lapse, vehicle use, location where the car is kept, and requested coverage. Each insurer decides eligibility, available options, and policy terms.
Ready for a clear next step?
Tell us what notice or requirement you are working through, and we can discuss the insurance side.
Click Here to Call (612) 464-6929