WEBVTT

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Yea ripped up news you needed.
That's who you don't have. Come running

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just as fast as we can.
Shoot's gonna help. Come man, This

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is the Troubleshooter Show. No Tom
Martino. Yeah, I'm Tom Martino and

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I welcome you to the show.
How are you doing? Our number is

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three oh three seven one three talk
seven one three eight two five five.

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You'll see on my wide shot of
your streaming. I got John Fuller here,

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Fuller Law, personal injury attorney.
Uh, welcome John, John.

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Did you know that we were talking
about AI off the air? John?

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Do you know that I went on
AI and I said, draft me a

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complaint and I gave it to circumstances
and you know what it did. It

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drafted me a complaint. Now it
has all the disclaimers. Make sure you

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know, always see an attorney.
God blah blah Blahlthough you're well, you

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can represent yourself, John. I
have said this before when it comes to

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technology, I love technology. By
the way, I'm not one of these

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people. I don't do email,
I don't do this, I don't do

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that. I love technology. Okay, there's good and bad. I feel

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like a Napoleon Dynamite with his uncle
talking about I love technology. Do you

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remember the song you wrote? You
have to find that song and play it

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because I love it, but not
as much as you and me anyway.

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So on technology AI, I was
at first a little resistant, thinking it

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skews one way or another when it
comes to social issues, and it does

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no matter what it does. But
when it comes to facts, figures,

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just issues where there's a black and
a white, don't ask it about no,

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seriously, don't even ask it about
climate change, or don't ask it

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about anything if you want two sides
when it comes to skewing on this particular

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thing. But John, I asked
it to draft me a legal complaint,

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and by god it did. Now
think about it, Think about it?

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Is that incredible to you? Now? You must have software that can do

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certain things and have general templates,
but to skew it out, to spit

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it out like that. And now
people say, well, it's just a

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search, it's way more than that, way more. You saw me just

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ask about how to do something on
my MacBook Pro here, and it's better

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than the help you would try to
find it Apple, And I was just

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talking about it in general. Do
you think it's crazy? Have you messed

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with it that much. You know, I haven't really messed with it in

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terms of like legal documents and stuff, but I mean it's clearly cutting edge,

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and it's going to be a bigger
and bigger part of our lives.

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I think the early renditions were,
you know, were riddled with problems like

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oh yeah, yeah, like they
called hallucinations and errors, and they still

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have some. But you know,
in legal writing, we have to attribute

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almost everything we write to some case
or some holding that it forms a legal

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basis. However, there have been
attorneys that have gotten in deep d deep

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trouble because the citations did not support
what the no. I can't argue with

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that because I don't know enough to
know. So that's kind of the risk,

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is that it can spit that well, yeah, and how would you

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know if it's right or wrong.
If you're an amateur, you've got to

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go do the legwork and check it
and so and yeah, if you're an

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amateur, you do that at your
own risk because you can really find yourself

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out. But think about this,
like, for example, I have the

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thing where you can talk to your
car, but you have to know what

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to tell your car. For example, you say I give my car a

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name and then it activates the computer. And then I say, you know,

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like, let's just say it's computer. It's not but computer, what

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is the odometer reading? Okay,
that's easy. Or computer play ninety one

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point one or pay one oh three
point five okay, boom. But if

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you say something just out of context, it doesn't understand you. But I

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see a time in fact, within
months or it has to be where everything

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now is going to have that conversational
chat pot because why bother going through all

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your manuals and stuff when I can
say on my car, hey, you

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know computer, or hey car,
I need to adjust this or adjust that,

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or how do I turn off the
rear view mirror folding every time I

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press the keyfup right? Okay,
you know what instead of just telling me

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go to this or go to that, you should just do it. And

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I see a time when AI is
going to change everything. Why would you

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ever fumble through directions and setting things
like just there it is, just tell

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it what you want, ask it
what you want. By the way,

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speaking of an issue with app with
apples in general or a computer, let's

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talk to Marlene and then I'll go
to Eric Eric has an issue with a

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contractor, and then I have John
Fuller. We're going to talk about all

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kinds of stuff, of course,
legal or otherwise when it comes to personal

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injury for sure, John Fuller,
Fuller Law. Marlene. What is your

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issue? Marlene? Good morning tom
Y. What's happening? My issue is

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my Apple ID got hacked? And
which which kind of idea is that?

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Your Apple? My Apple ID?
Jeez, how did that happen? Well,

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it started with my Apple credit card. I had a Goldman Sax Apple

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credit card. I don't know how
it happened, but somebody got into my

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credit card. And with my credit
card, I had Apple Cash. So

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every time you make a purchase,
a percentage of that purchase purchase goes into

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your Apple Cash. So I had
over four hundred dollars accumulated in my Apple

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Cash and I received a message that
my Apple card had there was a large

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purchase and they wanted to confirm that
was my purchase. And I called Apple

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and I said, that is not
my purchase. So they know your Apple

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ID. Though. Let me get
this straight, because there's two different things.

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Your Apple credit card was hacked and
it's really a debit card, right,

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don't you first transfer cash and then
transfer out or is it a regular

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credit card? It's a regular credit
card. Okay. So your Apple credit

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card? Does it say Apple or
does it say Visa or MasterCard? Because

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I don't have an Apple card,
So how does how does that work?

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Is it a card unto itself?
Or does it carry a Visa or MasterCard

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banner? It's a master card issued
by Goldman Sacks and it's an Apple credit

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card. Okay, I never saw
that. Okay, So I know what

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your question is though, So you
want to know. You want to know

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how the hell that happened. And
normally, normally the only way that can

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be hacked is somebody skimmed it or
somebody got into your account. But your

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Apple ID has not been hacked,
right, because that would be if that's

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the case you're in, Go ahead, my Apple ID. They got into

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my Apple ID and they changed the
trusted phone number associated with my Apple ID,

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so now I have no access to
anything Apple, my Apple account.

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I'm just going to say, you
are screwed. No, you're screwed.

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I'm telling you now, listen.
I'm just just so you know, just

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so you know, Apple will not
do anything about it unless you have if

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they went in and changed your trusted
number and all of that, the only

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way you can get out of that
is well, there is no way.

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With Google, you have some other
backups you can do, and you can

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give it previous passwords or something to
prove it you. But with Apple,

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there is virtually no way. Listen, I went through this with someone.

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They had to establish a brand new
Apple ID, brand new. I'm telling

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you it is unbelievable, because the
own unbelievable. I have Apple Air,

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but you're not. They're not considering
you a victim. Let me tell you

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what's going on. And I'm not
telling you I agree with this, Marlene.

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They are not looking at you as
a victim. They are saying in

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the in cases of an Apple breach, that you gave away or somehow did

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not protect your information. Because it's
very difficult to hack an Apple ID.

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I mean, I can see them
hacking your card with a skimmer, But

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how did they get into your Apple
I D. That requires a username and

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a password and then another text code. So how did they do that?

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Well, my Apple I D is
associated with my Apple credit card, but

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there but you can skim a credit
card and get the Apple ID. All

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you get with it when you skim
a card is the ability to charge on

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that card. It doesn't give you
the ability. I'm telling you, man,

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I have everything Apple and Mac.
I don't have one of those credit

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cards, but I will tell you
I have an Apple ID and your credit

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card, though, is connected to
the Apple ID in that you have to

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sign into your Apple ID to get
access to the credit card. But the

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credit card does not give you access
to the Apple ID. Somebody got your

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password, they got your they looked
at your phone. Well, even with

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your phone sometimes you have to re
sign in. Somehow someone got your username

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and password and you either had to
share it or they did a screen share

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with you, or they got into
your computer. That's another issue. They

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did get into my computer? Well
then how okay, there we go.

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How did they get into your computer? Oh my god, this is such

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a nightmare. All right, you
hold on, hold on, I promise

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you listen. There's going to be
an answer. If someone got into your

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computer, that's a little different.
But I do want to take Erica as

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well, and then I have esther. So hold on, Marlene, just

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have some patience. We have some
experts that might be able to help you.

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Three oh three seven one three talk
seven one three eight two five five.

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Got John Fuller with me Fuller Law
and it's my accident lawyer dot co.

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If you have any questions whatsoever,
we have a lot of topicsts to

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cover with him and we'll be doing
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you choose Frank durand the real estate
Man dot com to list your home with

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Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino

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here a three oh three seven one
three talk three oh three seven one three

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eight two five five. All right, So I'm going to go back to

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Marlene after I talked to ericause Eric, Erica has been waiting, Erica,

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let's go there, and I'm going
to go back. I have a call

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in for Marlene, So if you
could tell her kachina, I'm going to

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go back to her. What's going
on, Erica. So my husband and

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I started talking to a contractor about
a year ago to get some landscaping,

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including artificial turf laid in our backyard. Okay, And it took us about

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a year to save up some money
for it, and I called him back

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in this February and said, Okay, I think we're ready to get going

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on this. So he came out
to our house in February and we gave

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him a check for fifty seven hundred
dollars, which was half of the cost

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of the job. And by the
way, I have a post on that

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on money down, No money down. I mean, it's getting to be

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epidemic. And there are very rare
conditions where money down can be acceptable or

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done to protect yourself, but usually
landscapers are the worst of all of them

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when it comes to taking money and
disappearing. Continue your story I'm sorry.

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I just wanted to interject that.
Okay, no, that's fine. So

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we gave him a check on February
twenty third, which he promptly cashed on

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the twenty seventh, and I do
have the location of where the check was

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cashed. I even have his account
number. He was supposed to start the

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job March fourth. We hadn't heard
from him as of March third, so

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my husband contacted him through text asking
if he was going to be starting the

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job the next day, and he
said no, not this week, and

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so we asked him to let us
know when, you know, when he

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was going to be able to start, because it was still kind of snowing

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at that time. So we're just
playing it by ear as far as the

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weather. And we haven't heard from
him since. Yeah, and you probably

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won't. What was the name of
this guy? His name is Mike Sexton

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and the name of his business is
so Coo Landscaping or Soco Turf, which

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we found out both of those business
names have been dissolved. Yeah, I'm

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sorry he was presenting himself as a
business but not didn't you check him out

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at all before you gave him money
or anything? He came to us.

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My friend made a Facebook post in
April of twenty twenty three about her backyard

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and he did an amazing job on
her backyard, and that we trusted them

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there. He represented himself as a
veteran owned business. My husband was in

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the Air Force for twenty eight years. No, I understand. I understand

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first of all, they that's easy
to lie about. But even if he

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was a veteran, and I hate
to say this, not all veterans do

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great jobs in business. And also
just because they do one job that's pretty

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good doesn't mean they're going to continue. This echoes so many problems we have,

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but that doesn't do you any good. Bottom line is this, We

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got a number of ways to go. He committed what could be a civil

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crime. If there's such a thing, it's a civil penalty, it's the

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Contractor's Trust Act. Now, it
could be civil theft. It could turn

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out to be charges if a DA
or an Attorney general wanted to go after

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somebody. Attorney general would have to
go after somebody who's very egregious statewide.

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It would be a local jurisdiction for
a DA. But you're not going to

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get them to do that. Unless
this man took from hundreds of people or

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dozens. Now here's what I want
to know. The fifty seven hundred.

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You have a receipt, it's a
check, it's in his account. Did

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you Does he answer his phone?
No? Because of you? Is he

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still advertising anywhere? Not that I
see no. So if he just went

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out of business, you could just
you could just be done. Now,

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if there was a way we could
locate him, you could do at least

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get a judgment in small claims court
and then if he owns anything, put

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leans on it. That's one thing. Another thing you can do is go

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after him through the district's attorney because
he violated the Contractors Trust Act. It

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is a real thing. Have you
contacted your district attorney? No, sir,

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I would do that first and say
listen, I know you get,

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but say it like this. I
know you get a lot of these complaints,

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but this is clearly a violation of
the Contractor's Trust Act. I got

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the money, I got the proof. It was a positive. He disappeared.

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What do you suggest? That's where
I would start. I would also,

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do you know, do you have
an address for this guy on the

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00:16:22.159 --> 00:16:25.600
check or on anything on as a
bank account. You said you did some

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00:16:25.639 --> 00:16:30.039
research. Do you have any address
for him? We have an address for

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00:16:30.200 --> 00:16:37.200
him that's associated with his you know, so called business. Yeah, what

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00:16:37.279 --> 00:16:41.000
is it is it? Is it
a real address? What is it?

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00:16:41.000 --> 00:16:45.679
It's a home it's a home address. But supposedly he and his wife are

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00:16:45.919 --> 00:16:48.399
estranged, if not, going through
a divorce, and he's in some sort

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of rehab for an addiction, oh
god, and has supposedly lost everything.

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00:16:55.679 --> 00:16:59.159
Erica, make good on our job, even if he wanted to. How'd

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00:16:59.159 --> 00:17:03.440
you find this out? Other contractors
in the area went out in America on

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Facebook. You are probably braced for
this, but it could be. You

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00:17:10.799 --> 00:17:17.839
know, there's no there's no fairness
judge. There's no big scale in the

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00:17:17.839 --> 00:17:19.599
sky that's going to get your money
back. If if this guy pissed it

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00:17:19.640 --> 00:17:22.920
away on drugs, if this guy's
in rehabit, if this guy lost everything,

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00:17:23.000 --> 00:17:29.400
if this guy's diverse divorcing, I
would try to get a small claims

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judgment, because before that divorce goes
through, you can get a judgment on

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any equity he has. I mean, that's the only hope. I'm telling

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you that right now. I would
start with those two things. Do you

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have. If you have an address, I would take in the Small Claims

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Court for breach of contract immediately,
and then I would call the district attorney

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and then call us back. I
have it marked here, so if you

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00:17:51.160 --> 00:17:55.279
start, we you know. Like
I said, the worst case is probably

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00:17:55.319 --> 00:17:56.559
you're not going to get it.
But I don't want to give up so

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00:17:56.559 --> 00:18:00.839
soon without you at least trying these
things. And then I want you to

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00:18:00.839 --> 00:18:03.400
get back to me. Now.
I want you to know something. I

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00:18:03.519 --> 00:18:06.480
promise you when I give you these
steps, it's not as a putoff.

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00:18:06.519 --> 00:18:11.359
It's really going to help, because
sometimes it does. You might have caught

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him he was getting a divorce.
You say he lost everything, the houses

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00:18:14.640 --> 00:18:17.880
in both of their names. Sorry
for the wife, but his part of

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00:18:17.920 --> 00:18:21.079
his goes to you. We can
do it. So hang on there.

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00:18:21.119 --> 00:18:25.440
Three oh three seven one three talks
seven to one, three eight, two

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00:18:25.480 --> 00:18:27.799
five five. I'm going to come
back to esther and then Marlene, I'm

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00:18:27.839 --> 00:18:32.960
trying to get an answer for you, and I have a call into my

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00:18:33.160 --> 00:18:36.400
Apple expert. All of that coming
up. I want to remind you that

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00:18:36.680 --> 00:18:40.839
Frank Durand the real estate man,
is very very busy these days doing what

249
00:18:41.440 --> 00:18:48.519
he is doing market analyzes or evaluations
of your home, meaning he'll tell you

250
00:18:48.559 --> 00:18:52.759
what it will sell for in this
market based on a number of different factors.

251
00:18:52.960 --> 00:18:56.880
It's a custom evaluation for you,
free of charge, no obligation.

252
00:18:57.480 --> 00:19:02.160
Really, you can trust him.
Three three nine to zero sixteen twenty two.

253
00:19:02.160 --> 00:19:11.079
Frank durand real Estate Man dot com. Go with a sure thing Denver's

254
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Best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

255
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Time for an insurance check up,
free, no obligation. Comparison call

256
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Compass Insurance Paying too much your coverage
at dozens of insurance companies find out now

257
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three oh three seven seven to one
help. You'll think you're his only customer

258
00:19:32.440 --> 00:19:36.039
when you choose Frank durand the real
estate Man dot com to list your home

259
00:19:36.279 --> 00:19:45.720
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom

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00:19:45.720 --> 00:19:52.359
Martine, your trouble shooter three O
three seven one three talk three oh three

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00:19:52.480 --> 00:19:56.200
seven one three eight two five.
I'd get you calls and we have Esther

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00:19:56.000 --> 00:20:00.519
and then Marlen Esther, what's going
on with a toe? Esther? Oh

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00:20:00.799 --> 00:20:04.000
my gosh, Oh I hope it's
not really bad. Did your car get

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destroyed or something. Well, actually
it's my caregiver. My husband has a

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00:20:08.559 --> 00:20:12.839
need for a caregiver. Every single
night and she comes to We have an

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apartment complex and she goes into the
covered parking that particular night, there were

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00:20:21.759 --> 00:20:26.680
now listen what covered parking? Was
it your parking or was it somewhere she

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00:20:26.759 --> 00:20:30.319
wasn't supposed to be. Well,
we have covered parking in our complex,

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00:20:30.359 --> 00:20:36.160
our apartment complex, and she parks
there all the time. Yeah, but

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00:20:36.200 --> 00:20:38.440
what I mean is is she authorized
to park there? Yes? Yes,

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yes, oh yes, they have
a special path number for her. Absolute

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00:20:42.759 --> 00:20:48.640
everybody knows her. Okay, it's
very regular. But she couldn't park in

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00:20:48.680 --> 00:20:53.839
there because the police were blocking the
way with lights and everything's going on,

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and she knew that. She really, you know, she had to come

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00:20:57.880 --> 00:21:03.119
up with her duty to come up
at eleven o'clock is what time she comes

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00:21:03.200 --> 00:21:07.240
pm. Did she go into an
unauthorized space? She went into it,

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whether a Chase bank, but at
the eleven pm by side parking. I

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00:21:12.680 --> 00:21:17.240
know it, but they don't care. They just go. They're just nuts.

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00:21:17.480 --> 00:21:21.960
So anyway, did she get told? Yes, let me she got

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00:21:21.960 --> 00:21:26.920
towed for four She moved the car. She came back down at one o'clock

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00:21:26.920 --> 00:21:30.039
in the morning to move the car, but it was already towed and there

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00:21:30.160 --> 00:21:36.440
was no clear signage near where she
parked. The three or four parking places

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00:21:36.480 --> 00:21:40.279
facing Chase Bank had no sign hold
on. Now, Esther, this is

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00:21:40.400 --> 00:21:45.880
really important. Was there any sign
anywhere in the parking lot? Oh?

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00:21:45.960 --> 00:21:49.119
Yes, there were lots of signs. That's all that matters. It doesn't

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00:21:49.160 --> 00:21:53.119
have to be right where they towed
her. Okay, now it can't be

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00:21:53.240 --> 00:21:59.759
that confusing. But Esther, I
just want to I don't want to discourage

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00:21:59.759 --> 00:22:02.279
you, but I do want to
say this, okay, because we've handled

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00:22:02.359 --> 00:22:06.839
so many of these. Very seldom. I'm not saying it doesn't happen,

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00:22:07.279 --> 00:22:14.359
but very seldom do these turn out
successfully for people who are parked because all

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00:22:14.440 --> 00:22:18.839
it says there has to be a
certain amount of signage in the parking lot,

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00:22:18.920 --> 00:22:23.799
and then it doesn't matter if it's
during business hours or not unless it

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00:22:23.920 --> 00:22:30.519
says no parking before five or after
five. Now here's the thing. If

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00:22:30.559 --> 00:22:33.920
they towed it. The only thing
we can do is there are certain rights

295
00:22:33.960 --> 00:22:38.000
you have, because there are new
laws about her rights to get stuff out

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00:22:38.039 --> 00:22:42.559
of the car, to be to
finance. How much it costs that and

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00:22:42.599 --> 00:22:48.319
there are certain laws. I can
look it up, but I don't think

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00:22:48.640 --> 00:22:53.160
you're going to get it erased unless
something was totally wrong. So continue now

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00:22:53.160 --> 00:22:59.200
with the story. Thank you.
Then she mentioned the name of the company

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00:22:59.200 --> 00:23:02.880
on radio. It doesn't matter if
it's as long as it's true. Yeah.

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00:23:03.000 --> 00:23:07.480
Oh yeah, it's Wyatt And they
right now have a one dollar seven.

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00:23:07.240 --> 00:23:11.200
I understand this. And every time
people here, by the way,

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00:23:11.519 --> 00:23:15.519
Wyatt's did a lot of things wrong, and every time people hear about what

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00:23:15.559 --> 00:23:21.440
they did wrong, they assume that
every toe after that's going to be negated.

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00:23:23.839 --> 00:23:30.519
So what else? Okay, I
will So where's the car? Let's

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00:23:30.599 --> 00:23:34.480
ask you a few things. Where's
the car right now? Oh? It

307
00:23:34.519 --> 00:23:37.839
was? It was towed and then
she had to take an uber to go

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00:23:37.920 --> 00:23:42.519
get it. How much did it
cost altogether to get that car? How

309
00:23:42.599 --> 00:23:49.759
much did the whole bill cost?
Okay? Now I need to know another

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00:23:49.839 --> 00:23:55.559
thing. Okay, Now I need
to know the address. I want to

311
00:23:55.599 --> 00:24:00.319
look at it online. Okay of
the Chase Bank. Oh that's a Chase

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00:24:00.359 --> 00:24:06.279
Bank. Oh dear, it's in
off of Hampton and University. It's in

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00:24:06.400 --> 00:24:10.000
Kent Place. Well, Is it
right next door to you? Yes,

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00:24:10.240 --> 00:24:14.599
give me give me your address then
not You're you're in a in an apartment

315
00:24:14.680 --> 00:24:17.359
or condo place? Right, Yes, I am, Yeah, just give

316
00:24:17.400 --> 00:24:23.079
me that address. Okay, it's
thirty four sixty five. So gay Lord

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00:24:23.759 --> 00:24:30.640
Court, gay Lord Court? Is
that in Inglewood? In Inglewood? Okay?

318
00:24:30.279 --> 00:24:34.160
University in Hampton? Got it?
May I share a couple of things

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00:24:34.200 --> 00:24:37.839
that I go ahead, No,
I'm listening, go ahead, Okay.

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00:24:37.880 --> 00:24:40.519
I looked up a bunch of these
things because I'm going to be paying this

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00:24:40.680 --> 00:24:42.039
for her. I mean, there's
no reason why she should have to pay

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00:24:42.079 --> 00:24:52.880
it. Yeah, I read that
online that the car may not be towed

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00:24:52.480 --> 00:24:59.680
in Colorado. They have to give
notice providing written os twenty four hours before.

324
00:25:00.000 --> 00:25:06.200
That's only under okay, that's not
under most circumstances. That's a little

325
00:25:06.200 --> 00:25:11.039
misleading. Now that Chase Bank is
quite a bit away from you guys though,

326
00:25:11.079 --> 00:25:15.960
as far as what I'm looking here
online, but oh shopping center,

327
00:25:15.160 --> 00:25:18.759
Oh okay, I'm going to look
at this. Listen. I mean,

328
00:25:19.640 --> 00:25:26.240
I know what you're talking about as
far as the as far as the twenty

329
00:25:26.279 --> 00:25:30.680
four hours notice, but that doesn't
apply in this case. I do not

330
00:25:30.839 --> 00:25:36.240
believe. I'm glad you're looking into
it now. Now listen, I don't

331
00:25:36.240 --> 00:25:41.880
believe it does. There are certain
circumstances, so let me look it up

332
00:25:41.880 --> 00:25:44.440
real quick. Okay, I'm going
to look up the law. During I'm

333
00:25:44.440 --> 00:25:45.319
going to take a break and look
up the law. So hang on,

334
00:25:45.400 --> 00:25:48.319
okay, just hang on. I'm
going to go back to Marlene Esther.

335
00:25:48.720 --> 00:25:53.359
You will. I'm getting that law
right now. I'm Marlene. Okay.

336
00:25:55.160 --> 00:26:03.079
I checked with Apple okay, and
here's what they said about your Apple ID.

337
00:26:03.960 --> 00:26:08.920
Somebody had had to have hacked your
computer somehow. So you were about

338
00:26:08.960 --> 00:26:15.160
to tell us how that happened.
How did that happen? Okay, I'm

339
00:26:15.200 --> 00:26:18.920
going to start from the beginning.
Okay, go ahead. I got an

340
00:26:18.960 --> 00:26:22.880
email I can't remember now. It
was an email or a text from Apple

341
00:26:22.960 --> 00:26:27.720
Care saying there was a large purchase
and they wanted to confirm if it was

342
00:26:27.839 --> 00:26:32.880
mine. Total scam yep, total
scam yep, and then what keep going?

343
00:26:33.559 --> 00:26:37.799
So I called Apple to see if
that was a valid email, and

344
00:26:37.839 --> 00:26:42.519
they said yes, it was.
And I said that, oh yeah,

345
00:26:42.880 --> 00:26:47.559
And where'd you get that number to
call Apple? From that email? That

346
00:26:47.680 --> 00:26:53.799
email? You know, I don't
remember because I well, it had to

347
00:26:53.839 --> 00:26:56.400
have been. And I'll tell you
why. There is no phone to call

348
00:26:56.519 --> 00:27:03.119
to find out if a charge is
legitimate. So it was a classic fishing

349
00:27:03.200 --> 00:27:07.599
expedition where they sent you an alarming
email and they gave you a phone number

350
00:27:07.599 --> 00:27:10.519
to call to confirm and to shut
it down and then tell her what else

351
00:27:10.559 --> 00:27:12.240
happened. They said, we want
to get on your account with you and

352
00:27:12.240 --> 00:27:15.799
we'll credit you right. Well,
even if they yeah, they they is

353
00:27:15.839 --> 00:27:18.400
that? What is that? What
they said? We need to authenticate who

354
00:27:18.480 --> 00:27:22.160
you are and everything, so you
know, going to need your Apple ID

355
00:27:22.759 --> 00:27:25.720
and your password to get done,
and you and you gave it to them.

356
00:27:25.759 --> 00:27:30.000
And so the moment that you did
that, your password became public knowledge

357
00:27:30.039 --> 00:27:33.039
because they put those into databases that
are available on the black web. They

358
00:27:33.119 --> 00:27:37.640
sell them, they use them.
They John you know, you're really well

359
00:27:37.640 --> 00:27:40.240
adverse at that. Why did you
do you know? People that happened?

360
00:27:40.559 --> 00:27:42.359
You just read about it. I've
gotten those emails myself. Yeah, I

361
00:27:42.400 --> 00:27:47.480
mean I run a company with ten
computers in it, and you know we

362
00:27:47.480 --> 00:27:52.039
we now are on a completely Mac
based system, but it wasn't always the

363
00:27:52.079 --> 00:27:56.200
case. So I've just been dealing
with you know, employees clicking on things

364
00:27:56.200 --> 00:27:59.240
they shouldn't click on, and emails. Well, what's really weird is these

365
00:27:59.279 --> 00:28:02.720
authentications numbers themselves come from the email. That's a ripoff to begin with.

366
00:28:03.119 --> 00:28:06.960
But I need to ask you,
and it's as much to help others as

367
00:28:06.960 --> 00:28:10.039
it is you. Well, if
I can help you at all, Marlene.

368
00:28:10.119 --> 00:28:12.720
But when it came to that number
that you called and they said it

369
00:28:12.759 --> 00:28:17.680
was legit, okay, continue your
story. Let's hear what else. Go

370
00:28:17.680 --> 00:28:22.680
ahead, Okay. So while I
was talking to this woman, my phone

371
00:28:22.880 --> 00:28:27.240
pet beeping that another call was coming
in from an eight hundred number. For

372
00:28:27.279 --> 00:28:32.839
whatever reason, I thought maybe that
was the bank calling, so I asked

373
00:28:32.880 --> 00:28:37.599
her to hold. I answered the
call. It was a man saying he

374
00:28:37.640 --> 00:28:42.720
was a supervisor from Goldman Stack and
he wanted to talk to me about my

375
00:28:45.680 --> 00:28:49.920
a legal purchase, the purchase that
was made. I joined the calls and

376
00:28:51.000 --> 00:28:57.200
I said I And he said,
I can't talk to two people on the

377
00:28:57.240 --> 00:29:00.799
same line, and I I said
to her, hit Well, I said

378
00:29:00.799 --> 00:29:06.000
to both of them, I would
rather talk to her because I called her,

379
00:29:06.240 --> 00:29:08.440
so I know who she is.
I don't know who you are.

380
00:29:10.680 --> 00:29:14.519
And he said, I told you
who I am. I'm a supervisor with

381
00:29:14.680 --> 00:29:19.240
Goldman Sacks and she hung up.
Why okay, but when did they get

382
00:29:19.279 --> 00:29:26.079
the access to your account? Keep
going? It was I'll play you the

383
00:29:26.200 --> 00:29:29.079
date. I mean no, no, I mean I mean it was on

384
00:29:29.119 --> 00:29:32.480
that call. But did you let
them sign in or how did they did

385
00:29:32.519 --> 00:29:36.079
you? Actually? Like, when
did they actually get your information? Is

386
00:29:36.119 --> 00:29:37.359
what I want to know. You
just told me what they said to you,

387
00:29:37.640 --> 00:29:45.839
But what about your computer interface with
them? I don't know, well,

388
00:29:45.880 --> 00:29:48.400
hold on, did they ask you
for your password on that just for

389
00:29:48.440 --> 00:29:51.559
authentication reasons? Yeah? Or did
they say we need to get into your

390
00:29:51.599 --> 00:29:57.000
account to give you a credit anything
like that. He was just asking me

391
00:29:57.079 --> 00:30:02.119
all kinds of questions. Okay,
so he obviously got enough to get your

392
00:30:02.119 --> 00:30:06.200
password and your stuff here, got
the information. I'm going to tell you

393
00:30:06.240 --> 00:30:10.319
now, I'm going to tell you
the bad news because you were the victim.

394
00:30:10.680 --> 00:30:14.440
You were a victim, but you
were a willing victim. It wasn't

395
00:30:14.480 --> 00:30:18.200
like they grabbed your person ran away. It wasn't like they held a gun

396
00:30:18.319 --> 00:30:22.359
or a knife. They talked you
into cooperating, and you cooperated. Under

397
00:30:22.480 --> 00:30:26.319
no circumstances. Will anyone give your
money back? How much did you lose

398
00:30:27.279 --> 00:30:33.240
four. Thank god it wasn't more. Thank god. Now shut down the

399
00:30:33.279 --> 00:30:37.279
account immediately. By the way,
did you do that? Apple? Set

400
00:30:37.359 --> 00:30:42.720
the account down? Idea excellent?
Excellent. Now now establish a new one.

401
00:30:42.720 --> 00:30:47.319
But that's you did the right thing
and it only costs. I hate

402
00:30:47.400 --> 00:30:52.240
saying only, but that's really a
limitation of loss. Way better than it

403
00:30:52.240 --> 00:30:56.119
could have been. These people could
have wreaked havoc. They could have made

404
00:30:56.400 --> 00:31:03.839
so many, so many charges on
that account. Well, and I immediately

405
00:31:04.000 --> 00:31:11.000
called you know, everybody my bank. Yes, Marlene, you're gonna have

406
00:31:11.039 --> 00:31:15.319
to change all your passwords because they
could have gotten into your computer. I

407
00:31:15.319 --> 00:31:18.599
don't know how much information you gave
them, but please change every password you

408
00:31:18.680 --> 00:31:22.880
have. But the bad news is, and I want everyone hearing this,

409
00:31:22.440 --> 00:31:30.359
if you give information about your accounts
and people get into those accounts, you

410
00:31:32.200 --> 00:31:37.039
are not going to get your money
back. And further, if you get

411
00:31:37.079 --> 00:31:41.039
any email that says call us immediately, there's a problem, there's a scam,

412
00:31:41.039 --> 00:31:45.200
there's a huge purchase. You just
bought us seventy eight pees. Never

413
00:31:45.480 --> 00:31:48.440
never ever, ever ever call the
number. Email, call that that bank

414
00:31:48.519 --> 00:31:52.480
or that credit card, yourself off
the number. You just ignore them.

415
00:31:52.519 --> 00:31:56.279
Because you know what they're all jump
you just ignore it. I'm Tom Martinez.

416
00:31:56.279 --> 00:32:06.039
We have more coming up. Go
with a sure thing Denver's best roofer

417
00:32:06.160 --> 00:32:13.359
Excel Roofing dot com. You don't
pay a cent until you're content. Time

418
00:32:13.359 --> 00:32:16.240
for an insurance check up free,
no obligation. In comparison, call Compass

419
00:32:16.279 --> 00:32:22.000
Insurance paying too much your coverage at
dozens of insurance companies find out now three

420
00:32:22.000 --> 00:32:24.079
oh three seven to seven to one. Help. You'll think you're his only

421
00:32:24.200 --> 00:32:29.000
customer when you choose Frank durand the
real estate man dot com to list your

422
00:32:29.039 --> 00:32:44.359
home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi

423
00:32:44.480 --> 00:32:47.960
Tom Martino, your troubleshooter three o
three seven to one three talk three oh

424
00:32:47.960 --> 00:32:53.200
three seven one three eight two five
five esther, I got the law in

425
00:32:53.240 --> 00:32:59.440
front of me, and let me
explain something. Twenty four hours notice does

426
00:32:59.519 --> 00:33:05.240
apply. I accept in certain circumstances. Okay. And to make a long

427
00:33:05.240 --> 00:33:08.759
story short, if a vehicle is
blocking a fire lane or near dumpsters,

428
00:33:08.960 --> 00:33:15.359
or poses an immediate safety threat or
something like that in a residential neighborhood,

429
00:33:15.599 --> 00:33:20.000
it can be towed immediately. Otherwise, in a residential neighborhood, the twenty

430
00:33:20.039 --> 00:33:24.559
four hours notice applies. However,
the twenty four hour notice does not apply

431
00:33:25.000 --> 00:33:31.799
to a business parking lot at all
of any kind. Now, so the

432
00:33:31.920 --> 00:33:39.559
only thing we can do is fight
the charges. There are limitations and stuff

433
00:33:39.599 --> 00:33:44.240
like that. If you want to
hold on, but you're not going to

434
00:33:44.319 --> 00:33:47.279
get away with this toe at all. You're going to have to pay something,

435
00:33:47.359 --> 00:33:51.200
and we can look at that coming
up. Plus, Karen wants to

436
00:33:51.240 --> 00:33:53.240
talk. Karen wants to talk about
a painter. All of that. After

437
00:33:53.279 --> 00:34:00.160
this, go with a sure thing
Denver's Best roofer Excelroofing dot com. You

438
00:34:00.160 --> 00:34:06.839
don't pay a cent until you're content. Please time for an insurance check up

439
00:34:06.920 --> 00:34:10.000
free, no obligation. In comparison, call Compass Insurance. Pay too much

440
00:34:10.119 --> 00:34:15.400
your coverage at dozens of insurance companies
find out now three oh three seven seven

441
00:34:15.440 --> 00:34:19.199
to one help. You'll think you're
his only customer when you choose Frank durand

442
00:34:19.199 --> 00:34:22.599
the real estate Man dot com to
list your home with Remax Alliance three oh

443
00:34:22.679 --> 00:34:38.000
three nine two zero sixteen twenty two
ript news ned advise you don't have come

444
00:34:38.159 --> 00:34:45.960
run insious as fast as you can. Shooter's gonna help come man, this

445
00:34:45.639 --> 00:34:52.280
is the Troubleshooter Show. No Tom
Martine O. Heay Tom Martino here,

446
00:34:52.360 --> 00:34:54.840
Welcome to the show. Three oh
three seven one three talk seven one three

447
00:34:54.880 --> 00:34:59.400
eight two five five John Fullers with
me from Fuller Law, personal injury attorney,

448
00:34:59.800 --> 00:35:05.480
and as well as your calls and
issues and welcome. Now we have

449
00:35:06.280 --> 00:35:10.000
a couple text messages for and you
can text us five seven seven three nine

450
00:35:10.079 --> 00:35:14.719
for John Fuller which is Fuller Law. Let me just sign back in here.

451
00:35:15.079 --> 00:35:17.960
And basically, someone wants to know
what is the time limit. I

452
00:35:19.000 --> 00:35:22.519
don't know what they mean, but
for I assume they mean on a personal

453
00:35:22.599 --> 00:35:25.559
injury. What do they mean by
that? So if there's an accident and

454
00:35:25.679 --> 00:35:30.719
you don't do anything, what happens
and what kind of time limit is there?

455
00:35:30.400 --> 00:35:35.440
So there's a statute of limitations,
which is the legal, you know,

456
00:35:35.679 --> 00:35:42.480
outside deadline for taking action and for
a car accident that is three years

457
00:35:43.320 --> 00:35:45.800
from the day to the act.
But it would be pretty difficult. Let's

458
00:35:45.800 --> 00:35:50.280
say this. Let's say someone got
in an accident and they call you two

459
00:35:50.360 --> 00:35:52.960
years later and say I was in
an accident, and you say, well,

460
00:35:52.039 --> 00:35:53.960
did you ever do anything? No? No, I didn't know how

461
00:35:54.000 --> 00:35:58.880
bad. It was until now have
you had those Oh yeah, I mean,

462
00:35:59.079 --> 00:36:01.639
listen, the reality is that you
are you have the burden of proof,

463
00:36:01.679 --> 00:36:05.360
but times your enemy all the time. Time is always the enemy.

464
00:36:05.440 --> 00:36:07.239
But you have the burden of proof. And so if you were, you

465
00:36:07.320 --> 00:36:13.000
know, magically transformed into a juror
that was evaluating your case and you came

466
00:36:13.039 --> 00:36:15.960
in and said, I didn't really
treat or go to the doctor or do

467
00:36:15.039 --> 00:36:17.920
anything for two years, but it
was really bad. Trust me, the

468
00:36:19.079 --> 00:36:22.039
jury would throw you out in about
two seconds. They're just not gonna consider

469
00:36:22.159 --> 00:36:27.400
that to be very you know,
very you know, credible evidence. You

470
00:36:27.480 --> 00:36:30.239
know. On the other hand,
if you went to the er the date

471
00:36:30.280 --> 00:36:32.360
of the accident, you treated for
the next six or eight months, and

472
00:36:32.519 --> 00:36:37.639
everything else, and then you decided
to pursue acclaim at two years, maybe

473
00:36:37.719 --> 00:36:42.559
you're going to be perceived as being
a lot more so in essence, are

474
00:36:42.639 --> 00:36:46.079
you saying you should at least get
checked out right away? Absolutely, you

475
00:36:46.159 --> 00:36:50.679
should do that anyway, and then
you know, any treatment that follows up

476
00:36:50.719 --> 00:36:53.320
on that is critically important. I
mean, just keep in mind, it's

477
00:36:53.400 --> 00:36:57.800
not the attorney that that that makes
the case. I mean, it is

478
00:36:57.880 --> 00:37:02.039
the attorney, but it's the it's
the evidence that gets created by the treatment

479
00:37:02.119 --> 00:37:07.599
and the bills and the damages and
the losses that are sustained, and then

480
00:37:07.639 --> 00:37:10.880
it's the attorney that can weave all
those things together to create a good outcome.

481
00:37:12.440 --> 00:37:15.480
But they can't just operate in a
vacuum in the absence of all of

482
00:37:15.559 --> 00:37:19.480
that other stuff. So you've got
to get the treatment. You've got to

483
00:37:19.519 --> 00:37:23.639
get the the documentation of all of
your damages and losses in order that you

484
00:37:23.719 --> 00:37:28.039
may get a good outcome. Okay, cool, Hey, let me tell

485
00:37:28.079 --> 00:37:30.320
a quick antidote about that. We
had a nice lady who works in the

486
00:37:30.400 --> 00:37:35.000
news department. John, In fact, you tried to help her, but

487
00:37:35.119 --> 00:37:37.719
it was too late. She worked
there, she had an accident. She

488
00:37:37.960 --> 00:37:44.280
was listening to the other person's insurance
company promising to write her checks to the

489
00:37:44.360 --> 00:37:47.000
tune of thirty forty thousand dollars.
They kept saying checks in the mail,

490
00:37:47.119 --> 00:37:51.880
or we're going to do this.
Eventually she called up and they said,

491
00:37:51.920 --> 00:37:54.119
well, too bad, so sad, you're past the statute. So I

492
00:37:54.320 --> 00:37:57.880
called you. This was years ago, to see if there was something you

493
00:37:57.960 --> 00:38:01.119
could do, because they kept stringing
or along and there wasn't a damn thing

494
00:38:01.199 --> 00:38:05.559
you could do. They screwed her
man. Yep. That happens all the

495
00:38:05.679 --> 00:38:08.960
time. That happens all the time. These insurance companies are not you know,

496
00:38:09.119 --> 00:38:14.639
they're just not held to the same
standards that that you know that maybe

497
00:38:14.760 --> 00:38:17.039
we are. And they will lie, they will cheat, they will delay

498
00:38:17.159 --> 00:38:21.320
things on purpose. I mean,
they just take forever to get back to

499
00:38:21.360 --> 00:38:25.079
you sometimes when we know it's because
of appending deadline or something else going on

500
00:38:25.679 --> 00:38:30.880
that is some ulterior motive to delaying, you know, the resolution of a

501
00:38:30.960 --> 00:38:35.760
case. Yep, yep, yep. Okay, back to the phones,

502
00:38:35.880 --> 00:38:39.280
and hey, Kachina, did you
keep Estron because she had more to ask

503
00:38:39.519 --> 00:38:43.800
or because you forgot to take her
down? I'm just curious if she wants

504
00:38:43.840 --> 00:38:49.159
to talk more because I was.
I basically I think that I told her

505
00:38:49.159 --> 00:38:52.519
everything we needed to know to Karen, what about your painter? What's going

506
00:38:52.559 --> 00:38:57.519
on? Karen? Right up?
Yeah? Him, Hey, what's happening?

507
00:38:57.599 --> 00:39:00.719
How Yeah? So I'm with the
hown. I recommended this. I'm

508
00:39:00.760 --> 00:39:05.480
a realtor and I recommended this painter. They just did a job for me,

509
00:39:05.599 --> 00:39:07.800
showed up on time and did everything
right. Yeah, and then he

510
00:39:08.480 --> 00:39:13.840
just didn't show up for us for
a whole week now, and so well,

511
00:39:13.880 --> 00:39:15.920
hold on, I want to ask
us a couple of questions. Did

512
00:39:15.960 --> 00:39:19.760
you pay him ahead of time?
Okay, she did give him a deposit.

513
00:39:20.920 --> 00:39:22.440
Yeah, that's one of the biggest
problems in the world, man,

514
00:39:22.559 --> 00:39:28.039
everywhere I'm looking at that's how much
did she paid? You know, one

515
00:39:28.159 --> 00:39:30.440
thousand, eight hundred and seventy two
dollars. Well, that's enough for him

516
00:39:30.440 --> 00:39:35.519
to get a drunk on, so
you know, yeah, okay, So

517
00:39:36.199 --> 00:39:42.079
she when did she pay him?
That? April fourth and he was supposed

518
00:39:42.079 --> 00:39:45.679
to start on May sixth, and
he hasn't come. We did get one

519
00:39:45.840 --> 00:39:47.719
text from him saying sorry, I
haven't been able to make it. My

520
00:39:47.840 --> 00:39:52.000
mom had a stroke. And then
that was Thursday or Friday. And then

521
00:39:52.119 --> 00:39:57.960
see when people ask me and I
posted this video. I posted it on

522
00:39:58.079 --> 00:40:01.719
Instagram, on LinkedIn, on YouTube, on TikTok. And here's what I

523
00:40:01.800 --> 00:40:05.880
say. No money down, period, No money down. Now. There's

524
00:40:06.079 --> 00:40:10.079
very rare circumstances with what I call
trust accounts and with credit cards or with

525
00:40:10.480 --> 00:40:14.320
scrows. But here's the deal.
Most of the time, no money down

526
00:40:14.360 --> 00:40:17.800
unless materials are delivered, work begins
or something happens, or an order is

527
00:40:17.840 --> 00:40:22.000
placed in your name and you can
verify it for your address and then you

528
00:40:22.119 --> 00:40:24.119
make sure it's delivered. If the
guy goes south. People wrote to me

529
00:40:24.239 --> 00:40:28.119
were a very upset contractor, saying, why would you say that? Am

530
00:40:28.159 --> 00:40:30.719
I supposed to trust the homeowner?
The answer is yes, or get out

531
00:40:30.719 --> 00:40:32.760
of business? How about that?
Go get out of business. You're the

532
00:40:32.800 --> 00:40:36.800
ones listening to me. I'm not
listening to you. If you can't do

533
00:40:36.960 --> 00:40:38.559
business that way, get out of
business. Now. If you want to

534
00:40:38.599 --> 00:40:42.800
deliver materials, I pay for him. But just to pay money to someone

535
00:40:42.960 --> 00:40:45.360
like you said, Let's say this
guy is one hundred percent honest his mom

536
00:40:45.440 --> 00:40:49.239
had a stroke. He can't do
it. So okay. If he's one

537
00:40:49.320 --> 00:40:52.800
hundred percent honest and he did stuff, according to the law, that money

538
00:40:52.960 --> 00:40:54.480
is supposed to be in a trust
account. So what I want you to

539
00:40:54.559 --> 00:40:58.119
do is tell him that I want
you to say this, and then call

540
00:40:58.199 --> 00:41:01.239
us back. All right, sir, we are so sorry about your mom

541
00:41:01.599 --> 00:41:07.800
having a stroke, But according to
Colorado law, that money was supposed to

542
00:41:07.920 --> 00:41:15.320
be put in trust for the homeowner
or spent on her job. Anything other

543
00:41:15.440 --> 00:41:21.280
than that is civil theft, So
please let us know. If the money

544
00:41:21.400 --> 00:41:25.079
was spent on her job, when
can those materials be delivered? Or if

545
00:41:25.199 --> 00:41:31.000
it was not spent on her job, can you please return it? Otherwise

546
00:41:31.119 --> 00:41:36.800
we're pursuing civil theft. That money
should be somewhere. Okay, that's just

547
00:41:36.920 --> 00:41:42.000
the way it is. What's the
name of the landscaper, actually the painter,

548
00:41:42.280 --> 00:41:45.039
And I'm sorry, that's what I
meant. I'm sorry, that's what

549
00:41:45.079 --> 00:41:49.800
I meant. The painter, it's
Reese R. E E. S.

550
00:41:50.199 --> 00:41:52.440
And his last name was Houghton h
O U G H T O N.

551
00:41:54.679 --> 00:41:59.880
And Reese's what's the name of his
company? What's the name of his company?

552
00:42:00.119 --> 00:42:05.400
Painting, our age painting. Okay? And when was the last time

553
00:42:05.480 --> 00:42:08.719
you talked to him? Uh?
Talk, talk, I don't know,

554
00:42:09.000 --> 00:42:14.280
but text. He did text me
on Friday, okay. So, and

555
00:42:14.360 --> 00:42:17.199
that's when he said he would start
Saturday, two days ago. Did you

556
00:42:17.280 --> 00:42:21.639
hear what I told you about what
to mention to him specifically? And do

557
00:42:21.679 --> 00:42:24.519
you know why I mentioned that?
Because if this guy goes bankrupt. Listen,

558
00:42:25.519 --> 00:42:30.480
if he goes bankrupt and claims ignorance
of the law, some judges let

559
00:42:30.559 --> 00:42:34.239
him out. So you're not going
to let him do that. You're going

560
00:42:34.320 --> 00:42:37.239
to call and say You're going to
call and say, because if he goes

561
00:42:37.320 --> 00:42:40.559
bankrupt after you tell him that,
there's a good chance he's not going to

562
00:42:40.599 --> 00:42:45.639
get out of it. So you
say to him under the Colorado Trust Act,

563
00:42:45.760 --> 00:42:50.920
that money should have either been put
in trust the Contractor's Trust Act.

564
00:42:50.960 --> 00:42:53.719
I'm sorry, the money should have
been in trust or spent on the job.

565
00:42:54.239 --> 00:42:58.400
If it was spent on the job, tell us when we can expect

566
00:42:58.440 --> 00:43:01.039
delivery of materials. If it was
not spent on the job, then please

567
00:43:01.079 --> 00:43:07.639
send us a refund. If not, we are pursuing civil theft charges.

568
00:43:07.719 --> 00:43:10.480
Now you let me know what he
says after that, okay, because this

569
00:43:10.719 --> 00:43:20.320
is unacceptable, unacceptable? Any other
questions? What's that? What happens?

570
00:43:20.320 --> 00:43:22.880
If he doesn't, what happens?
If he never responds, then you start.

571
00:43:23.039 --> 00:43:28.559
Then you start going after him for
in small Claims court for civil theft.

572
00:43:29.000 --> 00:43:31.880
Actually, you should also call the
district attorney and then we should just

573
00:43:31.960 --> 00:43:35.119
put him on the sleeve. Brigade. You need to call me back and

574
00:43:35.239 --> 00:43:39.199
let me know I'm making I am
making a note of this for that reason.

575
00:43:40.719 --> 00:43:45.840
Okay. Question, can we hire
somebody else to get started? We

576
00:43:45.920 --> 00:43:47.840
have a bit of a time crunch. Yes, Steve the painter. Now,

577
00:43:47.880 --> 00:43:52.039
I don't know if he can get
it done quickly, but he's a

578
00:43:52.159 --> 00:43:55.239
star Quality painting. We love him. He's a great guy. And let

579
00:43:55.320 --> 00:44:00.920
me find him here, Steve,
we call Steve the paint or his business

580
00:44:00.039 --> 00:44:05.079
name is star Quality and uh,
okay, let's see. Let me give

581
00:44:05.079 --> 00:44:07.960
you that number. I got it
right here. It is. It is

582
00:44:08.079 --> 00:44:20.159
three oh three nine four eight eight
seven six' five. Okay, and

583
00:44:20.400 --> 00:44:24.119
then but we can hire another painter. We can basically because he didn't show

584
00:44:24.199 --> 00:44:28.199
up. He kind of told us, do you have a written contract with

585
00:44:28.280 --> 00:44:30.880
this guy? We do? We
do? Unfortunately, Well, okay,

586
00:44:31.360 --> 00:44:34.880
yeah, you can get started.
I mean I think the guy breached the

587
00:44:34.920 --> 00:44:37.960
contract. I mean, I don't
see where what is he gonna get upset?

588
00:44:37.639 --> 00:44:40.400
You can tell him, hey,
okay, finish the job then or

589
00:44:40.480 --> 00:44:44.000
give us you know, listen,
this guy doesn't have the money. This

590
00:44:44.079 --> 00:44:46.000
guy's a clown. I can tell
all I can tell by what you're being

591
00:44:46.079 --> 00:44:51.440
told. So proceed as you want, but call us back and let us

592
00:44:51.480 --> 00:44:54.079
know what he says about the Contractors
Trust Act three oh three seven to one

593
00:44:54.239 --> 00:44:58.760
three eight two five five. I'm
gonna come back to esther who still has

594
00:44:58.840 --> 00:45:01.800
more questions, and I do want
to help her. Uh eight eight eight

595
00:45:01.880 --> 00:45:06.800
heating dot com Remember eight eight A
heating dot com is there for you.

596
00:45:07.559 --> 00:45:10.719
And in fact, I got a
message from the owner today and they have

597
00:45:10.880 --> 00:45:16.880
the twenty eight dollars risk free service
fee for any plumbing issue at all.

598
00:45:17.519 --> 00:45:22.360
They'll come not only do an immediate
service. If they can fix it,

599
00:45:22.480 --> 00:45:24.079
they will, If not, they
credit you the twenty eight bucks. That

600
00:45:24.280 --> 00:45:30.079
eight eight eight Heating dot Com a
company you can know and trust, and

601
00:45:30.199 --> 00:45:39.800
that's three oh three seven seven zero
two seven seven six. Go with a

602
00:45:39.920 --> 00:45:45.199
sure thing Denver's best roofer Excel Roofing
dot Com. You don't pay a cent

603
00:45:45.440 --> 00:45:52.199
until you're content. Time for an
insurance check up, free, no obligation

604
00:45:52.360 --> 00:45:57.960
comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find

605
00:45:58.000 --> 00:46:00.159
out now three oh three seven to
seven to one help. You'll think you're

606
00:46:00.239 --> 00:46:05.079
his only customer when you choose Frank
durand the real estate Man dot com to

607
00:46:05.199 --> 00:46:08.920
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

608
00:46:12.199 --> 00:46:15.400
Okay, Tom Martino here at three
oh three seven one three talks seven

609
00:46:15.440 --> 00:46:19.920
one three A two five five.
Okay, so we've answered a lot of

610
00:46:20.000 --> 00:46:22.480
questions. If you have more,
we have a long show. Give us

611
00:46:22.519 --> 00:46:25.239
a call. Three oh three seven
one three talks seven one three eight two

612
00:46:25.280 --> 00:46:30.119
five five. We also have John
Fuller with us, my accident lawyer Dot

613
00:46:30.320 --> 00:46:34.119
co hey Esther still has some more
questions. To make long story short,

614
00:46:34.440 --> 00:46:40.039
her, the caregiver for her husband, came to spend the evening and parked

615
00:46:40.760 --> 00:46:45.559
at a Chase Bank and was towed. That's the bottom line. There's,

616
00:46:45.760 --> 00:46:50.719
by the way, just so people
know they're in Colorado law and in other

617
00:46:50.840 --> 00:46:54.480
circumstances, the reason you park somewhere
is no matter what it is, the

618
00:46:54.760 --> 00:47:00.239
reason doesn't negate the toe, okay, because a lot of people think if

619
00:47:00.239 --> 00:47:04.079
they have a good reason, it
negates it never negates the toe. Ever,

620
00:47:04.719 --> 00:47:07.079
your intent meaning I was going to
move in five minutes, doesn't matter

621
00:47:07.159 --> 00:47:12.159
either. The only thing that matters
is the law. The law has changed

622
00:47:12.159 --> 00:47:15.320
a bit, there has to be
signage that's always been in the law.

623
00:47:15.960 --> 00:47:21.400
And then again there are requirements for
a twenty four hours notice. Only in

624
00:47:21.800 --> 00:47:27.079
rare circumstances. The twenty four hours
notice is when you're in a normal parking

625
00:47:27.159 --> 00:47:32.000
space in a residential neighborhood or a
residential development, that's it, okay.

626
00:47:32.400 --> 00:47:35.960
Even if they're signs, you got
to give twenty four hours notice. But

627
00:47:36.440 --> 00:47:42.360
if you're blocking anywhere or in someone
else's parking space, or you are in

628
00:47:42.519 --> 00:47:46.719
a business, they can toe immediately. If you show up, they got

629
00:47:46.840 --> 00:47:51.320
to drop the car, but they
can charge you a drop fee, and

630
00:47:51.559 --> 00:47:54.719
then if they take the car,
there are some limits to what they can

631
00:47:54.920 --> 00:48:02.400
charge. There are limits to what
they can charge on the actual bill and

632
00:48:02.599 --> 00:48:10.039
how they can charge it. That's
according to the law. But again usually

633
00:48:10.880 --> 00:48:15.920
it is you're out of luck.
I mean, I hate to tell you,

634
00:48:15.039 --> 00:48:17.840
but you're out of luck. So
what are your additional questions? Esther?

635
00:48:20.320 --> 00:48:22.920
Okay, I did some research on
that, so I knew about that

636
00:48:22.119 --> 00:48:28.000
last one, which really surprises me
because it does say overnight. No overnight.

637
00:48:28.079 --> 00:48:31.559
I have looked at the dictionary,
and that means from dusk to dawn.

638
00:48:32.880 --> 00:48:36.920
No no what overnight for what.
I don't know what you're talking about,

639
00:48:37.039 --> 00:48:40.400
Esther, And they say do not. The sign says no overnight parking.

640
00:48:42.719 --> 00:48:45.800
Oh oh oh, you mean that's
what the sign says at the Chase

641
00:48:45.880 --> 00:48:49.360
Bank. That's what the chime says. All over the entire We've got a

642
00:48:49.440 --> 00:48:52.719
King, Supers and a lion.
You know what. That's weird. That's

643
00:48:52.760 --> 00:48:57.119
a weird one because that is weird
for me. It doesn't just say no

644
00:48:57.320 --> 00:49:00.840
parking or for bank customers only?
Does or does it say bank customers only?

645
00:49:01.079 --> 00:49:05.480
Well, it says that, and
then it says then that's all it

646
00:49:05.559 --> 00:49:07.760
matters. That's all it matters.
If it says bank customers only and no

647
00:49:07.920 --> 00:49:12.960
overnight parking. The reason it says
that is a normal person would assume it

648
00:49:13.079 --> 00:49:17.480
means even if you are a customer, you can't park overnight. Well,

649
00:49:17.920 --> 00:49:22.599
the thing is, say just sign
it. Why don't you Why don't you

650
00:49:22.679 --> 00:49:24.559
fight it? Then take them to
court because you're gonna lose. I mean,

651
00:49:25.519 --> 00:49:30.199
forget the fact that I've handled five
or six hundred of these cases over

652
00:49:30.239 --> 00:49:32.639
the years. If you think I'm
wrong, I hope I am. I

653
00:49:32.880 --> 00:49:36.679
want you to get your car,
may I. And by the way,

654
00:49:36.719 --> 00:49:40.639
there's a maximum fee of one hundred
and sixty dollars. Okay, and listen

655
00:49:40.719 --> 00:49:47.079
to this, and then it's a
certain a dollar amount per day, and

656
00:49:47.199 --> 00:49:52.280
they can charge an additional eighty nine
bucks to release it outside. So I

657
00:49:52.360 --> 00:49:54.639
don't know how it got up to
be four hundred. How did it get

658
00:49:54.679 --> 00:50:00.880
to be four hundred? Good question? They send them a I don't really

659
00:50:00.960 --> 00:50:02.880
know how. Well they can't.
They can't charge four hundred. The maximum

660
00:50:02.960 --> 00:50:07.159
fee is one hundred and sixty dollars. Well, there you go. That's

661
00:50:07.559 --> 00:50:09.519
so what do I do about that? Well, you tell them, according

662
00:50:09.559 --> 00:50:14.719
to law, the maximum fee is
one hundred and sixty dollars. And the

663
00:50:15.239 --> 00:50:19.960
only other thing is they can they
can charge you to store the vehicle per

664
00:50:20.079 --> 00:50:24.000
day that we have it out.
Is that okay? So how many days

665
00:50:24.159 --> 00:50:28.760
was it there for four hundred bucks? It was there for about six hours.

666
00:50:29.679 --> 00:50:32.639
There's no way that should have been
for So you're telling me the entire

667
00:50:32.760 --> 00:50:37.159
bill was four hundred dollars. That's
correct. When did you go and get

668
00:50:37.239 --> 00:50:43.920
it? Very well? Is she
parked eleven on April twenty nine? Now

669
00:50:44.119 --> 00:50:46.599
was it? What I want to
know is was it during normal business hours?

670
00:50:49.159 --> 00:50:52.440
I think so because it was about
Okay, then there's the only I

671
00:50:52.639 --> 00:50:59.400
cannot see where it is more than
one hundred and sixty dollars, even if

672
00:50:59.440 --> 00:51:01.239
they threw an other forty bucks on
there for storage. It would be two

673
00:51:01.360 --> 00:51:07.360
hundred, and I don't see how
it could be more than that. Yeah,

674
00:51:07.440 --> 00:51:09.400
well, I know, Hey Mark, am I Mark? Mark?

675
00:51:09.519 --> 00:51:13.519
Are you still there? Because you're
pretty Yeah, yeah, pretty. You're

676
00:51:13.559 --> 00:51:15.800
pretty verse in this towing thing.
I mean, isn't that the way you

677
00:51:15.880 --> 00:51:22.320
read the law man? It is
a little more convoluted than that. But

678
00:51:22.400 --> 00:51:24.360
I agree with you in your assessment
of that. But I've been wrong on

679
00:51:24.480 --> 00:51:29.840
these weird towing deals. Yeah,
I know. But from what I'm looking

680
00:51:29.880 --> 00:51:32.960
at here, I don't see any
exceptions. But hold on these regular excessive

681
00:51:34.079 --> 00:51:38.679
chargers. Nope, I'm telling you
there are limitations. So I would,

682
00:51:39.519 --> 00:51:44.320
in fact talk to me. They
won't talk to me. What I missed?

683
00:51:44.360 --> 00:51:46.679
What company it is? Who is? It's Whyatt's whyatt. Let's have

684
00:51:46.880 --> 00:51:52.760
Let's have a Deputy Scott or someone
Deputy Dollar call over. Deputy Doc is

685
00:51:52.840 --> 00:51:57.119
listening right now, he's on remote. So let's use Deputy Doc to call

686
00:51:57.199 --> 00:52:00.760
over there. Why I have never
heard? I know every everybody out there

687
00:52:00.880 --> 00:52:02.960
hates when I stick up for wyats, And it's not that I'm sticking up

688
00:52:04.000 --> 00:52:07.079
for them, but anytime we have
had a problem in the past, they

689
00:52:07.239 --> 00:52:10.119
come through. But most of the
time. Honestly, they're doing nothing wrong.

690
00:52:10.239 --> 00:52:14.119
They're just being what they are.
You know, they were popped by

691
00:52:14.159 --> 00:52:17.199
the state though, they were fine
thousands of dollars for doing things wrong though,

692
00:52:17.280 --> 00:52:21.400
Mark, Yeah, that's true during
COVID. That's right, they did.

693
00:52:22.000 --> 00:52:24.679
Yeah, right, So listen,
Esther. They have a million dollar

694
00:52:24.800 --> 00:52:29.360
settlement going. But can I ask
you one more question about it that I've

695
00:52:29.400 --> 00:52:37.000
read go ahead story towing. I
read about that go ahead from patrolling parking

696
00:52:37.119 --> 00:52:42.679
lots to look for vehicles to profit
on we have. They come out here

697
00:52:42.760 --> 00:52:45.159
and they just take them. But
that's what all of them do. They're

698
00:52:45.199 --> 00:52:50.119
they're hired. That's their job,
Lively, Esther, what they mean is

699
00:52:50.199 --> 00:52:54.800
this, Listen carefully, Okay.
If you if you patrol parking lots or

700
00:52:54.920 --> 00:53:00.440
troll parking lots as some people said, and you don't have a con tract,

701
00:53:00.079 --> 00:53:06.960
that is what predatory is. Okay, if they're contracted with Chase Bank

702
00:53:07.719 --> 00:53:12.800
right now, don't assume that you
might want to ask Chase Bank because or

703
00:53:12.920 --> 00:53:15.280
the sign has to say it.
Does the sign say why it's on it?

704
00:53:16.719 --> 00:53:20.559
I'm pretty sure I've got twelve pictures
here. May I ask you this?

705
00:53:20.880 --> 00:53:25.559
There's the signage is right in the
middle of its previous leason and down

706
00:53:25.960 --> 00:53:30.239
in the shade. I went and
took pictures of it. Was there only

707
00:53:30.400 --> 00:53:35.920
one sign? Yes, in the
entire parking lot, only one sign,

708
00:53:36.079 --> 00:53:43.280
but Chase Parking from where she parked
to I'm asking this, I'm asking one

709
00:53:43.400 --> 00:53:49.079
question. Only in the entire parking
lot, not in her vicinity. In

710
00:53:49.239 --> 00:53:53.960
the entire parking lot, there is
only one sign. No, Okay,

711
00:53:54.280 --> 00:53:59.119
that's then it doesn't matter if one
of them is obscured by leaves. You

712
00:53:59.199 --> 00:54:02.039
see, I'm trying to help you
esther because if there was only one and

713
00:54:02.199 --> 00:54:08.000
that was obscured, it has to
be clearly visible, right, and it's

714
00:54:08.039 --> 00:54:13.039
not that one is not. How
I mean if Chase Bank is way far

715
00:54:13.119 --> 00:54:22.119
away from the other company restaurants and
yeah, yeah, in its own area,

716
00:54:23.320 --> 00:54:25.440
So what does that have to do
with anything? Well, I'm just

717
00:54:25.599 --> 00:54:30.360
asking you. Oh wait, are
you saying? Are you saying that the

718
00:54:30.679 --> 00:54:36.599
signs are in a plaza and Chase
is way far away from that plaza,

719
00:54:37.239 --> 00:54:39.599
pretty far away? Yeah? Well, are they in the same plaza?

720
00:54:42.840 --> 00:54:46.440
She gave me the address. But
listen, I don't want to waste a

721
00:54:46.480 --> 00:54:50.039
lot of time on this. If
I need to go by what you're telling

722
00:54:50.119 --> 00:54:52.320
me. Now, I'll give you
a sign. Hold on, it's on.

723
00:54:52.199 --> 00:54:54.719
Give us that address again of where
you are. It's the Chase Bank.

724
00:54:54.760 --> 00:54:57.880
I had it on my computer,
but I don't have it anymore.

725
00:55:00.079 --> 00:55:06.360
Four sixty five day Lord. Yeah, yeah, South Gaylord Court. If

726
00:55:06.400 --> 00:55:08.880
you go there, to South Gaylord
Court and then look pull out and you'll

727
00:55:08.880 --> 00:55:12.599
see a Chase Bank there. But
what you're saying is this. Okay,

728
00:55:13.559 --> 00:55:16.400
what you're saying is it's in a
plaza where there are signs, but that

729
00:55:16.800 --> 00:55:22.280
is not near that plaza. I'm
not getting the picture. But here's the

730
00:55:22.360 --> 00:55:25.440
thing. It just if it's in
a big shopping center and there are signs

731
00:55:25.480 --> 00:55:30.880
scattered around that parking lot, that's
all that matters. Okay. If it's

732
00:55:30.039 --> 00:55:35.480
if it's a whole different parking lot, well, of course that parking lot

733
00:55:35.519 --> 00:55:38.880
would have to have its own sign. But I don't know if it's contiguous

734
00:55:38.960 --> 00:55:43.079
or not. I'm only going by
what you're saying, and you want to

735
00:55:43.159 --> 00:55:46.760
find an excuse, So tell me
the truth though. Is it a different

736
00:55:47.000 --> 00:55:51.800
parking lot? No? No,
okay, no, I thought I'd said

737
00:55:51.800 --> 00:55:55.000
that it's on the side. It
doesn't matter if it's on the side in

738
00:55:55.079 --> 00:56:00.719
the middle at the end, if
it's in the same parking lot. I

739
00:56:00.840 --> 00:56:05.280
don't think Mark. It talks about
how many signs, does it not that

740
00:56:05.440 --> 00:56:09.920
I've seen. You know, listen, I think that this is all you're

741
00:56:10.119 --> 00:56:15.239
You're wonderful that you're fighting for your
house, for your caregiver. I think

742
00:56:15.239 --> 00:56:19.400
it's wonderful. But we have to
have something to fight now. The one

743
00:56:19.480 --> 00:56:23.119
thing I think you do have They
went over what I can see is the

744
00:56:23.280 --> 00:56:30.239
legal limit to charge you. Okay, So then you've mentioned somebody might be

745
00:56:30.320 --> 00:56:32.679
able to call them. Yes,
we're gonna have deputy doc. We're gonna

746
00:56:32.679 --> 00:56:37.159
have one of our people call over
there. It's all else fails. Let

747
00:56:37.199 --> 00:56:40.440
me ask you this. All they
say is take us the small cuts.

748
00:56:40.719 --> 00:56:45.440
It's all they'll say. Yes,
Well, no, you can call the

749
00:56:45.480 --> 00:56:49.960
Public Utilities Commission. Okay that yeah, I see the part. I see

750
00:56:50.000 --> 00:56:52.280
the signs. Yeah, we we
have pictures of the signs. Yeah,

751
00:56:52.440 --> 00:56:54.960
Okay. She's not denying they were
signed. She's saying where the Chase Bank

752
00:56:55.079 --> 00:56:59.519
is. They're conspicuous. Yeah,
they're conspicuous. So what were you going

753
00:56:59.559 --> 00:57:02.599
to ask? And go ahead?
Well, I mean, I'm not understanding

754
00:57:02.679 --> 00:57:07.920
is a small claims court many times
do they have to show up to Well,

755
00:57:08.000 --> 00:57:10.800
if they don't, they lose automatically. That would be good if they

756
00:57:10.880 --> 00:57:15.119
didn't show up, right, So
that's what I'm saying of all all sales.

757
00:57:15.440 --> 00:57:17.320
I'm willing to do that for her. Yeah, but listen, you

758
00:57:17.400 --> 00:57:21.639
can only go to small claims court
for the amount over the legal amount they

759
00:57:21.760 --> 00:57:25.960
charge you. But listen, you
need to be clear that that you're not

760
00:57:27.039 --> 00:57:30.199
going to get out of the whole
thing. John, this lady has no

761
00:57:30.400 --> 00:57:32.280
standing to go to small claims court. She doesn't own the vehicle. No,

762
00:57:32.360 --> 00:57:37.320
that woman has she I think she
means for that woman employee, that

763
00:57:37.880 --> 00:57:40.480
taller can't. That woman has to
do it. The caregiver has to do

764
00:57:40.599 --> 00:57:49.199
it with her. Yeah, that's
what she meant. But you can't represent

765
00:57:49.280 --> 00:57:52.599
her. Be careful, Mark.
Okay, now listen, here's the other

766
00:57:52.719 --> 00:57:58.159
thing. Shout you're going to go
based on that cost. That's the one

767
00:57:58.239 --> 00:58:00.320
thing I found that I think they
did wrong. But Mark said, as

768
00:58:00.440 --> 00:58:06.239
Mark said, there could be something
we're missing because they're not that's they're not

769
00:58:06.440 --> 00:58:09.760
stupid when it comes to you know, when it comes to charging, and

770
00:58:10.199 --> 00:58:14.360
there might be a reason they charged
as much as they did. But we're

771
00:58:14.440 --> 00:58:16.280
done here, Esther. You go
on. We're gonna have John, We're

772
00:58:16.320 --> 00:58:20.599
gonna get your contact information. We're
gonna have I'm sorry, we're gonna have

773
00:58:20.679 --> 00:58:23.679
deputy doc look into it. Yes, I'll give you one example of when

774
00:58:23.719 --> 00:58:27.760
they can charge more if you try
to pick up the car after hours.

775
00:58:28.599 --> 00:58:31.119
That's right. Another ninety bucks,
that's right. I saw that, but

776
00:58:31.239 --> 00:58:36.960
they didn't try to do that.
So uh Kaschina give this to UH Deputy

777
00:58:37.079 --> 00:58:39.519
Doc. Three oh three seven one
three eight two five five Real quick,

778
00:58:39.599 --> 00:58:45.400
Russell, what's going on with Excel? Russell? Yeah, we had a

779
00:58:45.840 --> 00:58:52.480
greenhouse business that was on commercial rate. Yeah, a natural natural gas and

780
00:58:52.719 --> 00:58:55.760
yeah, our house, our house
is on the same meter. We closed

781
00:58:55.800 --> 00:59:02.360
the business the fall of twenty three. I call Excel to having changed the

782
00:59:02.480 --> 00:59:07.719
meter from commercial to residential. The
lady come out and inspected it, said

783
00:59:07.840 --> 00:59:12.920
yeah, we can change it.
That was the first of January. And

784
00:59:13.079 --> 00:59:19.000
I'm still waiting. When was the
business closed the fall last fall? Okay,

785
00:59:19.480 --> 00:59:24.079
and when did you call for the
changeing rate? January? Yeah,

786
00:59:24.119 --> 00:59:28.679
they should have changed it, and
did they or not? No, they

787
00:59:28.760 --> 00:59:34.159
haven't. And I've called them four
or five times and they say, well,

788
00:59:35.199 --> 00:59:37.920
it's transferred over to billing. Billing
takes a couple of months, blah

789
00:59:37.960 --> 00:59:43.079
blah blah. Well, in the
meantime, I have like a twenty three

790
00:59:43.159 --> 00:59:46.719
hundred square foot house. It's costing
me over eight hundred bucks a month.

791
00:59:47.480 --> 00:59:52.280
And there no, there's no gas
at all being used in the greenhouse anymore.

792
00:59:52.400 --> 00:59:55.320
Right right, all right, hold
on, we'll come right back to

793
00:59:55.320 --> 01:00:04.719
you and more. I'm Tom Martine. Go with a sure thing Denver's best

794
01:00:04.840 --> 01:00:07.840
roofer Excel Roofing dot com. You
don't pay a cent until you're content.

795
01:00:12.239 --> 01:00:15.239
Time for an insurance checkup free,
no obligation. In comparison, call Compass

796
01:00:15.400 --> 01:00:21.039
Insurance paying too much your coverage at
dozens of insurance companies find out now three

797
01:00:21.119 --> 01:00:23.960
all three seven to seven one help. You'll think you're his only customer when

798
01:00:24.000 --> 01:00:28.679
you choose Frank durand the real estate
Man dot com to list your home with

799
01:00:28.840 --> 01:00:37.480
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martina

800
01:00:37.639 --> 01:00:43.519
here, three O three seven one
three talk three oh three seven one three

801
01:00:43.760 --> 01:00:46.920
eight two five five. Welcome to
the show. All right, let's talk

802
01:00:47.199 --> 01:00:51.559
and keep solving problems if we can, or at least give you information,

803
01:00:51.679 --> 01:00:54.480
So Russell says, Now that Russell, this is a clear case. Man,

804
01:00:54.880 --> 01:00:58.800
I don't know why they didn't switch
you over. But how many now

805
01:00:58.880 --> 01:01:04.679
it's been January, February, March, April, man, so how much

806
01:01:04.800 --> 01:01:07.599
more? You've spent a lot more, So you know exactly what gash you've

807
01:01:07.719 --> 01:01:12.159
used. It's just that you're being
charged a different rate. Is that right?

808
01:01:13.039 --> 01:01:16.760
That's right? And so when they
called, do they offer to adjust

809
01:01:16.840 --> 01:01:21.840
it at all? Well, that's
that's part of the issue, and that's

810
01:01:21.880 --> 01:01:24.840
part of my question. It made
me so mad that nothing had ever been

811
01:01:24.920 --> 01:01:29.840
done, and I knew I had
overpaid what my house was using. So

812
01:01:29.920 --> 01:01:34.599
I didn't pay March h and I
didn't pay April. Uh, okay,

813
01:01:35.280 --> 01:01:37.880
I have that's not the way to
handle it. But I get what you're

814
01:01:37.920 --> 01:01:42.079
doing, man, Yeah, because
I so that's my question. So I

815
01:01:42.119 --> 01:01:44.719
gotta have the money to pay it. So I didn't pay it. But

816
01:01:44.920 --> 01:01:47.599
are they going to credit me for
the excess that I well, that's the

817
01:01:47.719 --> 01:01:52.840
thing they should. I don't have
they have they they haven't adjusted it yet

818
01:01:52.920 --> 01:01:57.679
or have they? Nope? Nope, it's still commercial. Well that's ridiculous.

819
01:01:57.960 --> 01:02:00.039
I mean, you would think and
a per world. They have to

820
01:02:00.119 --> 01:02:07.000
credit you unless for some reason there
is some kind of weirdness going on that

821
01:02:07.119 --> 01:02:09.559
I don't know about, like,
for example, that you can't I don't

822
01:02:09.559 --> 01:02:14.159
know if you can just change back
and forth. So this greenhouse was on

823
01:02:14.280 --> 01:02:19.360
your residential property, right, Yeah, that's right. So during the time

824
01:02:19.440 --> 01:02:24.320
you had your business, the house
gas was also being charged commercially. Yes,

825
01:02:25.360 --> 01:02:29.119
you know, why do they charge
different for commercial by the way,

826
01:02:30.480 --> 01:02:35.119
I'm wondering just because they can.
I mean, it sounds weird to me.

827
01:02:36.159 --> 01:02:38.800
Yeah, I don't know. I
mean that bill is so complicated to

828
01:02:38.880 --> 01:02:43.119
try and figure out what they're what
they're charging for. But you know,

829
01:02:43.239 --> 01:02:45.840
when I first initially called them,
they said, yeah, no problem,

830
01:02:45.960 --> 01:02:50.159
will come out and inspect it,
and if the inspector sees if you're not

831
01:02:50.320 --> 01:02:52.159
using it in the commercial end of
it, we'll switch it over to residential.

832
01:02:52.400 --> 01:02:57.159
Yeah. Fine, all right,
listen, listen, we need to

833
01:02:57.199 --> 01:03:00.639
give this to somebody to work on
for you. I want to give it

834
01:03:00.679 --> 01:03:05.480
to you. I want to give
it to Deputy Dollar to uh one of

835
01:03:05.519 --> 01:03:09.039
our deputies to call over there and
try to shake it loose. Let's try

836
01:03:09.079 --> 01:03:14.280
to light a fire over everything else. Yeah, well we'll try. We'll

837
01:03:14.280 --> 01:03:15.679
give it a try. That's why
you called, right, so let's figure

838
01:03:15.679 --> 01:03:21.199
it out. Hang on, Hey, Kasina, just raise your hand if

839
01:03:21.239 --> 01:03:24.000
you're if you're listening, thank you. Okay, So she doesn't know I

840
01:03:24.079 --> 01:03:30.320
have a camera in there. Uh
so you get this to Deputy Dollar.

841
01:03:30.039 --> 01:03:34.320
That would be good. We'll have
him work on this. Three oh three

842
01:03:34.480 --> 01:03:44.119
seven one three eight two five five
more. Right after this, go with

843
01:03:44.239 --> 01:03:47.360
a sure thing Denver's Best roofer Excel
roofing dot com. You don't pay a

844
01:03:47.480 --> 01:03:54.679
cent until you're content. Time for
an insurance check up free, no obligation

845
01:03:54.719 --> 01:04:00.199
in comparison, call Compass Insurance paying
too much your coverage? That does of

846
01:04:00.280 --> 01:04:03.159
insurance companies find out now three all
three seven seven to one help. You'll

847
01:04:03.239 --> 01:04:08.000
think you're his only customer when you
choose Frank durand the real estate Man dot

848
01:04:08.079 --> 01:04:12.280
com to list your home with Remax
Alliance. Three all three nine two zero

849
01:04:12.400 --> 01:04:19.880
sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Somebody screwing with

850
01:04:20.039 --> 01:04:24.360
us. They're writing on our call
screener. How do they hack into that

851
01:04:24.519 --> 01:04:28.119
one anyway? Three O three seven
one three talk seven one three A two

852
01:04:28.239 --> 01:04:31.320
five five. Bert's turn with Infinity
Right, Yeah, what's happening, Burt?

853
01:04:34.360 --> 01:04:44.719
What's going on? Bert? Bert? Bert? Bert? Listen man,

854
01:04:45.159 --> 01:04:50.599
time waits for no man. Let's
go to Uh Rob, he has

855
01:04:50.679 --> 01:04:58.599
a car insurance issue? Rob?
What's happening? Uh? Yeah, Rob?

856
01:04:58.639 --> 01:05:01.760
What's that? I'm doing? Good
Man? What's going on? Yeah?

857
01:05:01.920 --> 01:05:08.400
So I had a neighbor back into
my car and I was wondering if

858
01:05:08.519 --> 01:05:12.960
you had a good body shop for
a second opinion. So I'm not one

859
01:05:13.000 --> 01:05:16.119
hundred percent sure that I'm gonna get
get it fixed or just take the money

860
01:05:16.159 --> 01:05:21.039
because the car is old. And
how old is the car? It's fifteen

861
01:05:21.119 --> 01:05:25.239
years old. That's two hundred and
fifty thousand miles on it. I wouldn't

862
01:05:25.280 --> 01:05:29.000
get it fixed. Why the hell
would you ever get it fixed? Right?

863
01:05:29.079 --> 01:05:31.000
So that when they were looking at
it, they said there's probably be

864
01:05:31.079 --> 01:05:34.960
supplemental claims also, So it's like, how do I know I'm getting the

865
01:05:35.039 --> 01:05:39.519
right amount of money for it from
the instro and they think there's the other

866
01:05:39.800 --> 01:05:42.199
damage? Hey, let me ask
you this in there, you got two

867
01:05:42.280 --> 01:05:45.000
hundred and fifty thousand miles, it's
fifteen or whatever. What kind of car

868
01:05:45.119 --> 01:05:51.599
is it? Highlander? Man,
how long have you had it? Who?

869
01:05:53.000 --> 01:05:57.559
Eight years? Holy crap? Did
that do you? Well? Didn't

870
01:05:57.599 --> 01:06:00.800
it? So? What? How
does the damn it look to you?

871
01:06:01.280 --> 01:06:04.679
It's just cosmetic. There's a couple
of dents and a broke, cracked bumper.

872
01:06:05.159 --> 01:06:08.920
But unless you're really looking at it, you don't really know this.

873
01:06:09.480 --> 01:06:12.800
Well, we have some good I
mean, there's all kinds of good places

874
01:06:12.920 --> 01:06:15.440
that what are you looking for?
It? Just you you want to get

875
01:06:15.480 --> 01:06:18.280
an estimate just for grins. You're
not going to get a fixed right,

876
01:06:19.519 --> 01:06:21.679
Yeah? I want you know,
I want to be fair to him.

877
01:06:21.719 --> 01:06:25.400
So if you know, even if
I have to pay something to get a

878
01:06:25.480 --> 01:06:29.480
good X estimate, you know someone
that could say, actually, what's a

879
01:06:29.559 --> 01:06:34.039
fair price from insurance company? Yeah? Okay, Gott's Let me let me

880
01:06:34.119 --> 01:06:39.880
look here real quick. We we
have Rocky Mountain. Well, I don't

881
01:06:39.920 --> 01:06:42.719
know, Mark. We don't have
a full blown body shop anymore. Now.

882
01:06:42.760 --> 01:06:45.039
I like Michael's autobody though in Castle
Rock. I know it's a little

883
01:06:45.079 --> 01:06:47.800
far for a lot of people,
but but I've just had did you know

884
01:06:47.920 --> 01:06:50.760
that, Michael? Did you know
Michael sold? Yeah? I did.

885
01:06:50.920 --> 01:06:55.480
But it's still the same gang down
there. I stopped in the other day.

886
01:06:55.800 --> 01:07:00.960
Oh, okay, how far are
you from Castle Rock? About a

887
01:07:00.039 --> 01:07:04.119
half hour. I could probably make
it there. Michael's autobody call them first

888
01:07:04.199 --> 01:07:10.039
though. Yeah, definitely they're slam
Man. They do great work. Yeah,

889
01:07:10.679 --> 01:07:13.480
there are some categories we have to
shore up on the referral list.

890
01:07:13.599 --> 01:07:16.920
Over the years, our long dependable
people that have been on there are starting

891
01:07:17.000 --> 01:07:19.920
to get old and retire. I
don't know when Fuller is going to retire,

892
01:07:19.960 --> 01:07:24.000
but he's getting old. Hint hint, hint, hint, hint,

893
01:07:24.079 --> 01:07:28.400
hint. Hey shut up, Martin. Huh, how's next week? Okay,

894
01:07:28.760 --> 01:07:30.480
John's gonna throw it into towel.
That's just a rumor. By the

895
01:07:30.519 --> 01:07:33.000
way, Speaking of John, we
have him here real quick here and then

896
01:07:33.079 --> 01:07:36.920
we'll take you after the break.
We're running out of time. I got

897
01:07:36.960 --> 01:07:40.559
some texts, will come back to
you know. On personal injury, one

898
01:07:40.599 --> 01:07:45.760
of the biggest confusion factors is what
happens when I get hurt? Who takes

899
01:07:45.800 --> 01:07:48.440
care of my bills? I don't
know why people are waiting thinking the other

900
01:07:48.480 --> 01:07:51.199
party is going to do it,
because they're clearly a fault. It takes

901
01:07:51.280 --> 01:07:56.519
a while. Can you get a
reprieve or at least will the other will

902
01:07:56.559 --> 01:07:59.840
the medical people hold off till the
end? We'll find that out more coming

903
01:07:59.920 --> 01:08:06.519
up. Go with a sure thing
Denver's best roofer Excel Roofing dot com.

904
01:08:06.679 --> 01:08:14.480
You don't pay a cent until you're
content. Time for an insurance check up

905
01:08:14.559 --> 01:08:18.520
free, no obligation comparison call Compass
Insurance. Pay too much your coverage at

906
01:08:18.600 --> 01:08:23.640
dozens of insurance companies find out now
three oh three seven seven to one help.

907
01:08:23.840 --> 01:08:27.359
You'll think you're his only customer when
you choose Frank durand the real estate

908
01:08:27.439 --> 01:08:30.880
Man dot com to list your home
with Remax Alliance three oh three nine two

909
01:08:30.960 --> 01:08:47.159
zero sixteen twenty two rips need so
you don't have run incious as fast as

910
01:08:47.479 --> 01:08:55.600
can. Shooter's gonna help. Come
man, This is the Troubleshooter Show.

911
01:08:56.279 --> 01:09:00.760
No Tom Martino, Hi, Tom
Martino here, Welcome to the show.

912
01:09:00.840 --> 01:09:03.119
Three oh three seven one three talk
seven one three eight two five five.

913
01:09:03.159 --> 01:09:06.119
This hour brought to you by Waterpros
dot net. You know you can get

914
01:09:06.159 --> 01:09:10.439
a whole house system for around thirty
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915
01:09:10.520 --> 01:09:15.399
all the junk and making your water
pure. It actually helps with laundry.

916
01:09:15.479 --> 01:09:18.880
I told this story once real quick
I swear to you it's true. There

917
01:09:18.920 --> 01:09:21.960
are plenty of times I don't do
any soap at all in my laundry.

918
01:09:23.079 --> 01:09:29.279
The soft water is that good at
cleaning, seriously, and it's amazing how

919
01:09:29.319 --> 01:09:31.720
it can work. By the way, it's the same water they use at

920
01:09:31.800 --> 01:09:34.800
zero res too for carpet cleaning.
I mean it's amazing. But anyway,

921
01:09:35.680 --> 01:09:41.760
waterpros dot net reverse osmosis, soft
water, drinking water, whatever you want.

922
01:09:41.880 --> 01:09:45.479
They have waterpros dot net three oh
three eight six two five five five

923
01:09:45.520 --> 01:09:50.399
four. John Fullers with us and
my accident lawyer dot Co Mark Major Mark

924
01:09:50.479 --> 01:09:55.399
Majors with us, and we're talking
about your problems, questions, complaints.

925
01:09:55.479 --> 01:09:59.640
John, we do have quickly here
a let me see let me you're at

926
01:09:59.640 --> 01:10:05.680
the Camra now. Good people want
to know there's a situation where they have

927
01:10:08.119 --> 01:10:14.600
an accident and they want to know. Technically they know that the other party

928
01:10:14.720 --> 01:10:18.920
is responsible their damage. But until
the case is over, the insurance the

929
01:10:19.000 --> 01:10:24.840
other insurance probably won't pay. But
can you negotiate something to keep people off

930
01:10:24.920 --> 01:10:28.760
of your clients back for a while
if there's a good case. Yeah,

931
01:10:28.840 --> 01:10:31.880
so let me just start where you
did. It's not that they won't pay

932
01:10:31.960 --> 01:10:36.319
for a while. They will never
pay those bills as they're being incurred one

933
01:10:36.399 --> 01:10:40.159
hundred percent, I can say,
okay, certainty, they will not pay

934
01:10:40.239 --> 01:10:44.079
those bills. So even if it's
their fault, it doesn't matter his fault.

935
01:10:44.119 --> 01:10:47.880
It is that at fault. Insurance
company only represents their insurance. They're

936
01:10:47.920 --> 01:10:50.920
not a guarantor for your medical bills. They will not pay them if they're

937
01:10:50.920 --> 01:10:55.840
sent to them. Period. So
people all the time go in the hospital

938
01:10:55.880 --> 01:10:57.439
and say, oh, yeah,
here's the act. You know, the

939
01:10:57.479 --> 01:11:00.800
guy who is at fault. The
insurance companies, they receive those bills and

940
01:11:00.880 --> 01:11:03.119
they just turn them around and say, we don't know who this guy is.

941
01:11:03.279 --> 01:11:06.399
You know, we have no duty
to pay these bills, so they

942
01:11:06.479 --> 01:11:12.439
reject them. So here's the deal. You owe those bills. Okay,

943
01:11:13.199 --> 01:11:15.319
it's a component of your damages.
We will go after them, we will

944
01:11:15.359 --> 01:11:17.960
get reimbursed for them. But you
owe those bills. So if you have

945
01:11:18.079 --> 01:11:23.239
copais or deductibles or you know,
out of pocket maximums that you have to

946
01:11:23.319 --> 01:11:25.720
satisfy, those are all things that
you're going to have to deal with.

947
01:11:26.319 --> 01:11:30.560
And some can be negotiated and some
cannot. There are some billers like ambulances

948
01:11:30.640 --> 01:11:34.600
and emergency rooms that seem to want
to turn people over to collections, you

949
01:11:34.680 --> 01:11:38.960
know, before the door is even
shut, when they're leaving the hospital.

950
01:11:39.520 --> 01:11:42.439
And that's just something that we have
to deal with. The good news is,

951
01:11:43.000 --> 01:11:47.000
most of the time, if we
contact these building entities or the collection

952
01:11:47.159 --> 01:11:53.800
agencies that they employ to collect these
bills, if they know who we are

953
01:11:54.039 --> 01:11:57.159
and they know that you know that
we're pursuing a case and they've got a

954
01:11:57.199 --> 01:12:00.880
long track record of us paying them, most of them will sit quietly and

955
01:12:00.000 --> 01:12:04.760
wait and will not even report you
to the credit union or the credit bureaus,

956
01:12:04.840 --> 01:12:08.399
you know, for those outstanding bills. Okay, so we have another

957
01:12:08.479 --> 01:12:13.600
situation here. Let's say you have
medpay, then medpay pays them. Medpay

958
01:12:13.720 --> 01:12:16.479
is a coverage you carry for yourself
and your passengers, which is an immediate

959
01:12:16.560 --> 01:12:19.800
payment. If you do have medpay, they pay it. But does the

960
01:12:19.920 --> 01:12:25.159
other company reimburse your medpay? No? Medpay is nonsubargable. So what if

961
01:12:25.199 --> 01:12:28.600
you collect for those? Can you
actually collect for those even though medpay pay

962
01:12:28.680 --> 01:12:30.399
them? Yes, wait, and
you don't have to, so you collect

963
01:12:30.439 --> 01:12:33.800
them and you don't have to pay
them back. That's the beauty of medpay

964
01:12:33.960 --> 01:12:38.319
is it's a non subargable, which
is a fancy word of saying we don't

965
01:12:38.359 --> 01:12:42.000
have to pay it back bad Do
you not have to? The other insurance

966
01:12:42.039 --> 01:12:45.960
company does not have to, so
they're insured, does not get to take

967
01:12:45.000 --> 01:12:49.600
an offset for something that either health
insurance or medpay is already paid. But

968
01:12:49.800 --> 01:12:54.319
they so you're telling. Wait,
I find this hard to believe. So

969
01:12:54.439 --> 01:12:59.119
if I'm injured and I had ten
grand in bills before I win my case

970
01:12:59.640 --> 01:13:04.000
and my pet medpay pay ten grand, I can collect that ten grand from

971
01:13:04.039 --> 01:13:09.520
the person at fault and keep it. And you should be able to because

972
01:13:09.560 --> 01:13:14.119
the only reason you had that medpay
is because you had the financial forethought to

973
01:13:14.319 --> 01:13:16.479
pay for that coverage to protect you
and yours. It's not for the other

974
01:13:16.520 --> 01:13:19.880
guys for me. Okay, now, next question, then what about health

975
01:13:19.920 --> 01:13:25.840
insurance. Let's say I don't have
medpay and my health insurance pays except for

976
01:13:25.960 --> 01:13:30.119
my co pays or whatever deductibles.
Does my health insurance get reimbursed? Sometimes

977
01:13:30.720 --> 01:13:34.560
it depends on the type of health
insurance you have. There's two major categories.

978
01:13:34.720 --> 01:13:40.560
Those that are called arisk of policies, which are generally your larger employers

979
01:13:40.760 --> 01:13:45.079
or your federal day type employers,
and then those that are regulated under the

980
01:13:45.199 --> 01:13:49.760
state law of Colorado. If it's
an ariska policy, almost always are going

981
01:13:49.800 --> 01:13:54.600
to get paid back. If it's
a state policy, it depends if we

982
01:13:54.720 --> 01:13:59.800
get policy limits. There's a law
called the makehold doctrine that can sometimes you

983
01:13:59.880 --> 01:14:03.119
know, invalidate their ability to get
paid back. There's so many rules that

984
01:14:03.199 --> 01:14:06.760
it's so tricky to figure out.
I don't know how anybody would figure it

985
01:14:06.760 --> 01:14:10.720
out if they don't do this every
single day, and that's why they need

986
01:14:10.760 --> 01:14:15.720
to. Okay, So the takeaway
on this is first, get med paid,

987
01:14:16.439 --> 01:14:20.119
Second, use your health insurance.
Third, you'll get reimbursed, and

988
01:14:20.239 --> 01:14:25.239
let John figure out how much you
get to keep. Yeah. I mean

989
01:14:25.279 --> 01:14:27.640
that's about of mine rules to live
by. Yes, Okay, Now,

990
01:14:28.279 --> 01:14:30.680
Joyce, I don't know if this
is about injury or about your car.

991
01:14:30.800 --> 01:14:34.479
You have a state farm issue.
What's going on, Joyce? Hi,

992
01:14:35.239 --> 01:14:39.800
it's not about an injury, it's
not about a car, and it is

993
01:14:39.960 --> 01:14:44.720
for a friend in Pennsylvania. Okay, the state farm. It's a state

994
01:14:44.800 --> 01:14:55.520
farm claim. Yeah, and she
has a house that she's owned. Did

995
01:14:55.600 --> 01:15:00.399
she get what happened? Is she
still there, guys, I don't think

996
01:15:00.479 --> 01:15:03.680
so Lione slit up. She's just
not talking. Kelly's gonna try and talk

997
01:15:03.680 --> 01:15:05.920
to her. All right, hold
on, we're gonna get you back here,

998
01:15:06.039 --> 01:15:14.640
Joyce. But share her friend lives
in PA and uh was injured.

999
01:15:14.680 --> 01:15:16.279
I guess or has a problem.
But we'll we'll figure that out. Three

1000
01:15:16.359 --> 01:15:21.520
oh three seven one three talk three
oh three seven one three eight two five

1001
01:15:21.680 --> 01:15:28.039
five. By the way, when
it comes to no fault versus torque,

1002
01:15:29.000 --> 01:15:32.439
are there still no fault states?
Yes, So explain what no fault is.

1003
01:15:32.680 --> 01:15:35.840
And if you're in that state and
you get in an accident, then

1004
01:15:36.239 --> 01:15:40.680
no matter what kind of insurance you
have, no fault prevails, right,

1005
01:15:42.560 --> 01:15:45.319
not necessarily, really, that's first, Explain what no fault? Okay,

1006
01:15:45.399 --> 01:15:48.399
so what is no Those that have
been around for a long time in Colorado,

1007
01:15:48.439 --> 01:15:51.359
we used to have the years we
had no fault and meeting old no

1008
01:15:51.520 --> 01:15:56.039
fault statue. If you and I
got in an accident, it didn't matter

1009
01:15:56.119 --> 01:15:59.640
who's at fault. My insurance company
would pay for my medical bills and yours

1010
01:15:59.640 --> 01:16:01.720
would pay for yours. And so, if you'll remember, back in that

1011
01:16:01.840 --> 01:16:08.479
day, we had something called personal
injury protection or for PP and that was

1012
01:16:08.560 --> 01:16:12.760
fifty thousand dollars for medical bills and
fifty thousand dollars for rehab, which could

1013
01:16:12.800 --> 01:16:15.840
get rolled into the medical So you
essentially had one hundred thousand dollars of a

1014
01:16:16.039 --> 01:16:21.039
medical insurance policy on every single car
insurance policy in the state. So,

1015
01:16:21.159 --> 01:16:25.520
in other words, but it would
cut mind covered me, yours covered your

1016
01:16:25.600 --> 01:16:29.159
absolutely, And that's why the logic
behind that was you didn't have to worry

1017
01:16:29.159 --> 01:16:31.079
about what insurance the other guy had. Well, what if the other guy's

1018
01:16:31.119 --> 01:16:33.760
that fault, what happens, That's
what I'm saying. Even if he was

1019
01:16:33.840 --> 01:16:39.000
at fault, you would still use
your own auto insurance and would your insurance

1020
01:16:39.119 --> 01:16:42.279
go collect from him? Nope,
they did not subrogate for those. What

1021
01:16:42.359 --> 01:16:45.399
if it went over fifty, then
it just went over fifty. That's when

1022
01:16:45.439 --> 01:16:49.039
you would start using traditional health insurance
and stuff like that. Actually, if

1023
01:16:49.079 --> 01:16:53.079
it was over one hundred, because
you could roll. When did your personal

1024
01:16:53.199 --> 01:16:56.479
injury lawsuit then, John, what
did you fight for then? Faint and

1025
01:16:56.560 --> 01:17:00.199
suffering, any excessive medicals, anything
that wasn't covered by OK So, if

1026
01:17:00.279 --> 01:17:05.319
something was not covered by personal injury
under no fault, then you're then you

1027
01:17:05.439 --> 01:17:10.800
would go and collect from their insuring. It doesn't take that much injury to

1028
01:17:10.920 --> 01:17:13.960
go over one hundred thousand, which
in the world, in my opinion,

1029
01:17:14.960 --> 01:17:20.119
no fault seems to be logical because
it doesn't encourage people to go crazy because

1030
01:17:20.319 --> 01:17:26.199
their own company's paying for it.
So the the criticism of no fault was

1031
01:17:26.359 --> 01:17:31.680
that the doctors would look at that
that package of available benefits and money as

1032
01:17:31.760 --> 01:17:35.520
like a piggy bank that they could
just they could just overtreat and cows came

1033
01:17:35.600 --> 01:17:40.359
home. And that's what the insurance
companies lobbied on when they proposed to change

1034
01:17:40.399 --> 01:17:43.279
it. To the system we have
right now is that, oh my goodness,

1035
01:17:43.319 --> 01:17:46.119
we're being taken advantage of and they're
they're just overtreating like crazy. Now

1036
01:17:46.319 --> 01:17:50.520
some of that and now the system
is torque, meaning the one at fault

1037
01:17:50.560 --> 01:17:56.680
pays. But yeah, but the
we're like the total polar opposite to where

1038
01:17:56.760 --> 01:17:59.840
now the struggle is getting people to
care that they need and paying for it

1039
01:18:00.039 --> 01:18:02.560
the interim between the time of the
accident and that settlement. Because of what

1040
01:18:02.680 --> 01:18:05.880
we talked about earlier, they're not
going to pay those bills as they're being

1041
01:18:05.960 --> 01:18:11.800
incurred, and so more victims got
created because of an inability to pay.

1042
01:18:11.840 --> 01:18:15.079
You like no fault better, I
can work with both. I mean,

1043
01:18:15.399 --> 01:18:17.279
it was a big transition to get
over into the system that we have.

1044
01:18:17.680 --> 01:18:21.760
It's not a bad system today,
but it requires you know, a lot

1045
01:18:21.840 --> 01:18:26.399
more hands on management. Are there's
still no fault states? Yes, Okay,

1046
01:18:27.000 --> 01:18:30.479
Then if I get hit, if
I'm vacationing in a no fault state,

1047
01:18:30.560 --> 01:18:33.960
what happens? What law prevails?
Well, if you're hit by a

1048
01:18:34.039 --> 01:18:38.439
person that's you know, at fault
in that no fault state, the no

1049
01:18:38.600 --> 01:18:42.399
fault law will dictate kind of how
your case will proceed in so they don't

1050
01:18:42.439 --> 01:18:45.680
get However, the fact that you
have a policy from here means that you'll

1051
01:18:45.720 --> 01:18:48.920
still get to use your medpay and
all those benefits. I have med pay

1052
01:18:49.079 --> 01:18:53.479
right, so have great coverage here. If you go to another state unit,

1053
01:18:53.520 --> 01:18:56.600
if I don't have medpay here,
then I'm screwed there. You may

1054
01:18:56.640 --> 01:19:00.680
be, Yeah, you're going to
be. You're gonna be under their system.

1055
01:19:00.840 --> 01:19:04.960
Yes, and if the guys that
fault you eventually probably could collect you

1056
01:19:05.079 --> 01:19:09.119
hope. Yeah, But do they
make you like Florida where you're not even

1057
01:19:09.159 --> 01:19:14.680
required to have liability but you know, do they make you collect with no

1058
01:19:14.920 --> 01:19:21.000
fault? Do you collect only the
amount above the mandatory limit? But yes,

1059
01:19:21.159 --> 01:19:25.680
but that's just for medical bills.
That doesn't include wage loss and planet

1060
01:19:25.720 --> 01:19:29.239
suffering and all the other and future
medicals as well. But if I go

1061
01:19:29.359 --> 01:19:33.640
to a no fault state and I'm
injured and I you know, they they

1062
01:19:33.800 --> 01:19:39.680
get to subtract the first fifty thous
Yeah, but those benefits are also time

1063
01:19:39.800 --> 01:19:42.319
limited, and I get a lot
of stuff they don't cover. So it's

1064
01:19:42.359 --> 01:19:45.840
not it's just simple to say we
deduct fifty grand, okay, but they

1065
01:19:45.880 --> 01:19:50.199
are entitled to, you know,
an offset that those damages are not chargeable

1066
01:19:50.279 --> 01:19:54.079
to the defendant right until we,
you know, see a certain threshold.

1067
01:19:54.199 --> 01:19:58.239
Okay, got it, Joyce.
Now, State Farm, what's happening?

1068
01:19:59.399 --> 01:20:02.279
Okay? Are you still there?
Yep? Your friend is in Pennsylvania.

1069
01:20:02.399 --> 01:20:09.720
What happened? So? She had
health house insurance with State Farm that she

1070
01:20:09.880 --> 01:20:14.079
thought was on the house she currently
owns. Turns out they had used an

1071
01:20:14.199 --> 01:20:19.560
address they had from her back in
the late ninety nineteen ninety eight or something,

1072
01:20:20.079 --> 01:20:25.840
and they're refusing a claim for a
new roofs because the address on her

1073
01:20:25.920 --> 01:20:29.720
policy was wrong. What oh,
Wait a minute, so they claimed the

1074
01:20:29.840 --> 01:20:36.159
prop so on her declarations page it
shows the covered property as a different address

1075
01:20:36.279 --> 01:20:42.840
than the one she's in. That's
what they're claiming. How long has she

1076
01:20:43.119 --> 01:20:48.159
had this policy under the old address? Since under the under the new address?

1077
01:20:48.720 --> 01:20:55.319
No, under the How long has
there been a mistake on her declarations

1078
01:20:55.399 --> 01:21:00.760
page is twenty eighteen? So are
they willing to give back all her premiums

1079
01:21:00.800 --> 01:21:06.680
since she wasn't covered? So she
has not talked to anyone that has been

1080
01:21:06.720 --> 01:21:11.560
willing to say that. Well,
if they're not, they can't have it

1081
01:21:11.640 --> 01:21:14.840
both ways. She never had an
ensurable interest, yeah, property right.

1082
01:21:15.079 --> 01:21:18.520
If she never had an ensurable interest
at that old address and they were charging

1083
01:21:18.600 --> 01:21:23.560
her for that old address, then
they either cover the new address or they

1084
01:21:23.640 --> 01:21:28.000
refund the old address. They can't
have it both ways. How much premium

1085
01:21:28.079 --> 01:21:30.760
has she been paying since eighteen?
So it would have been eighteen, nineteen,

1086
01:21:30.880 --> 01:21:34.319
twenty twenty one, twenty two,
twenty three, twenty four. How

1087
01:21:34.399 --> 01:21:39.880
much has she been paying for seven
years? I do not know that.

1088
01:21:40.039 --> 01:21:43.760
I didn't get that information. So
let's say it was about what kind of

1089
01:21:43.840 --> 01:21:48.800
houses? It probably a medium size. I'm going to guess two thousand square

1090
01:21:48.840 --> 01:21:53.560
foot max. So let's say she
was paying two grand. How much is

1091
01:21:53.600 --> 01:21:55.920
the roof going to cost? It
might be a wash. How much is

1092
01:21:55.960 --> 01:21:59.920
that roof going to cost? Twenty
thousand? She said she's going to be

1093
01:22:00.079 --> 01:22:03.560
out of pocket some. But uh, I'm telling you there's a problem.

1094
01:22:03.640 --> 01:22:09.039
Hold on. I want to get
our insurance experts on to talk about what

1095
01:22:09.159 --> 01:22:13.359
would happen in a case like that. Who's that fault here? I tend

1096
01:22:13.439 --> 01:22:16.159
to think it's the insurance people at
fault, and their errors and omissions should

1097
01:22:16.199 --> 01:22:20.079
cover it. We'll figure that out
coming up. Three oh three seven one

1098
01:22:20.159 --> 01:22:30.399
three eight two five five. Go
with a sure thing Denver's Best roofer Excel

1099
01:22:30.520 --> 01:22:36.239
Roofing dot com. You don't pay
a cent until you're content. Time for

1100
01:22:36.319 --> 01:22:42.079
an insurance checkup free, no obligation. In comparison, call Compass Insurance paying

1101
01:22:42.119 --> 01:22:45.159
too much your coverage at dozens of
insurance companies find out now three oh three

1102
01:22:45.319 --> 01:22:48.720
seven to seven to one help.
You'll think you're his only customer when you

1103
01:22:48.840 --> 01:22:53.960
choose Frank durand the real estate Man
dot com to list your home with Remax

1104
01:22:54.039 --> 01:23:00.880
Alliance three oh three nine two zero
sixteen twenty two or an Espresso you have

1105
01:23:01.079 --> 01:23:04.960
your money's got to be on your
break. So Hi Tom Martino here at

1106
01:23:04.960 --> 01:23:09.279
three O three seven to one three
talks seven one three HU five to five

1107
01:23:10.000 --> 01:23:15.920
Denverregen dot com two hundred and fifty
bucks a month the compounded Semaglue Tide for

1108
01:23:16.000 --> 01:23:23.800
weight loss with supplies, doctor consultations
and drugs Denverregen dot com. Check with

1109
01:23:23.880 --> 01:23:29.720
your doctor before any weight loss program. But it's amazing how inexpensive and plentiful

1110
01:23:29.800 --> 01:23:34.720
it is compared to the brand names
Denverregen dot com. So Joyce had a

1111
01:23:34.760 --> 01:23:42.479
claim her friend and this is wrong
and did we get compass on Kachina.

1112
01:23:42.560 --> 01:23:45.640
I want to get compass on to
talk about on it right now. Thank

1113
01:23:45.680 --> 01:23:48.840
you very much. Hold on,
Joyce, Natalie, what is your question

1114
01:23:48.920 --> 01:23:54.760
for John Fuller? Possibly go ahead, Natalie, Hi, yes, thanks

1115
01:23:54.800 --> 01:23:59.000
for taking my call. My nephew
and his wife play in a co ed

1116
01:23:59.319 --> 01:24:05.319
softball and they were playing a couple
fridays ago. He was building second.

1117
01:24:05.840 --> 01:24:09.600
His wife caught the ball and just
kind of lobbed it to him. She

1118
01:24:09.680 --> 01:24:12.399
didn't, you know, throw it
hard or anything. And there was a

1119
01:24:12.479 --> 01:24:16.520
runner coming from first place to second
base. And when my nephew caught the

1120
01:24:16.600 --> 01:24:23.039
ball, they locked eyes. He
locked eyes with the runner, and the

1121
01:24:23.159 --> 01:24:29.199
guy just like kept running and I
mean he was already out and he lowered

1122
01:24:29.239 --> 01:24:34.520
his shoulder and went right up into
my nephew's face, broke at least two

1123
01:24:34.760 --> 01:24:39.720
teeth, split, his lips wide
open. Now, was he angry or

1124
01:24:39.880 --> 01:24:45.239
he just couldn't stop? Was it
like an intentional thing? It was almost

1125
01:24:45.399 --> 01:24:49.880
intentional. He never even stutter stepped
or But did he say like he was

1126
01:24:50.000 --> 01:24:55.079
going in that direction anyway? Right
then he was called out and he kept

1127
01:24:55.159 --> 01:24:58.600
going? Was he when he was
called out? Was he a foot away?

1128
01:24:58.720 --> 01:25:00.359
Two feet away, you know,
ten ft to would you know?

1129
01:25:01.600 --> 01:25:06.239
I don't know. That's a really
good question. But and just charge right?

1130
01:25:06.640 --> 01:25:10.079
I don't think he was. He
just charged right through him. And

1131
01:25:10.159 --> 01:25:14.680
my nephew's not a small guy.
He's like six' four and this guy

1132
01:25:14.840 --> 01:25:17.239
was shorter than my nephew said him
to hit him. What's it? Now?

1133
01:25:17.319 --> 01:25:19.840
Did the guy how did the I'm
just curious, how did the guy

1134
01:25:19.920 --> 01:25:23.640
react after it? Did he say
a serves you right, get the hell

1135
01:25:23.640 --> 01:25:27.399
out of my way? Or what
did like did he say anything? My

1136
01:25:27.600 --> 01:25:31.560
bad? Bro? Okay, So
it's not like it's not like they were

1137
01:25:31.640 --> 01:25:35.119
trying. He was trying to be
a jerk, and did it seem like

1138
01:25:35.199 --> 01:25:40.800
he was surprising he made a mistake
or that I don't know, the guy

1139
01:25:40.880 --> 01:25:45.439
have a bigger question. There was
no remorse. My my nephew had blood

1140
01:25:45.560 --> 01:25:49.800
like pouring out of his mouth and
he just you know, the whole game

1141
01:25:49.960 --> 01:25:55.600
stopped because John was injured. How
can I help you? Here's what I

1142
01:25:55.640 --> 01:25:58.119
want to ask you, John.
I know she's probably asked, is there

1143
01:25:58.159 --> 01:26:00.199
any liability? So I want to
know this. When you play sports,

1144
01:26:00.960 --> 01:26:04.479
is there such thing as negligence or
you just hey, man, that's an

1145
01:26:04.479 --> 01:26:09.119
assumed risk. You're playing a damn
sport. You tackled me too hard,

1146
01:26:09.520 --> 01:26:14.079
you checked me too hard, you
did something and injured me. Really what

1147
01:26:14.279 --> 01:26:17.880
about that? Yeah? So assumption
of the risk is always a defense against

1148
01:26:18.039 --> 01:26:23.000
claims you know that you would make
against somebody. Here's the thing that you

1149
01:26:23.079 --> 01:26:28.680
know, my personal injury lawyer,
you know, thought process kicks in.

1150
01:26:29.800 --> 01:26:33.720
Let's say this was a complete accident
and the guy you know didn't know your

1151
01:26:35.159 --> 01:26:39.840
didn't know he was there, and
and just ran over him by accident.

1152
01:26:39.840 --> 01:26:44.199
Its complete negligence. Knew about it
and should have known and just it was

1153
01:26:44.239 --> 01:26:47.640
a total accident. You know,
you could maybe go against a homeowner's policy

1154
01:26:47.760 --> 01:26:51.840
or something like that to get some
sort of coverage. But you know even

1155
01:26:51.920 --> 01:26:56.079
that would be an uphill battle.
The fact that it was more or less

1156
01:26:56.199 --> 01:27:00.960
an intentional act means even if there
were ten insurance policies up, you're not

1157
01:27:00.079 --> 01:27:03.279
going to be able to make a
claim for an intentional act. That's like

1158
01:27:03.319 --> 01:27:10.359
an assault. You can't go and
blame somebody for accidental and an intentional act.

1159
01:27:10.439 --> 01:27:14.359
I mean, so, if somebody
intentionally injures someone, like if I

1160
01:27:14.520 --> 01:27:17.560
drive my car into somebody, Yes, that's an intentional act. My insurance

1161
01:27:17.640 --> 01:27:23.800
company, my insurance company can turn
down that other person. They can and

1162
01:27:24.039 --> 01:27:28.159
will turn down. No, not
the other person. Don't turn down your

1163
01:27:28.520 --> 01:27:30.159
defense. You know they won't come. That's what I mean. So,

1164
01:27:30.439 --> 01:27:33.720
but will they have to cover the
other party if I injured them intentionally?

1165
01:27:34.079 --> 01:27:38.399
No, But Tom, you won't
have the benefit of your insurance to cover

1166
01:27:38.600 --> 01:27:42.319
you, to protect you. I
know you can be personally liable right for

1167
01:27:42.439 --> 01:27:45.159
that? For that, I get
that, I get that. But so

1168
01:27:45.479 --> 01:27:48.439
so if another car runs into me
out of anger, I can't go after

1169
01:27:48.600 --> 01:27:54.119
that other car's insurance. Correct.
Wow, there's gonna be no coverage,

1170
01:27:54.159 --> 01:27:58.760
just an intentional act exception, and
every insurance company has You can't go run

1171
01:27:58.880 --> 01:28:00.880
somebody down and then claim, oh, I'm sorry it was an accident.

1172
01:28:01.359 --> 01:28:05.840
I want to call it negligens and
get my insurance money. So if this

1173
01:28:06.000 --> 01:28:13.279
guy was intentional, the victims sol
But if the victim was not intentional,

1174
01:28:13.359 --> 01:28:18.680
it's actually better. But wood does
insurance, non insurance, does liability cover

1175
01:28:18.880 --> 01:28:25.199
you? I mean, does does
negligence play into the fact of a game?

1176
01:28:26.439 --> 01:28:30.840
So usually there are waivers and all
sorts of stuff that you signed to

1177
01:28:30.920 --> 01:28:33.800
participate in those things saying I acknowledge
that these risks exists, and I'm willing

1178
01:28:33.840 --> 01:28:38.720
to waive them. Okay, So
you may not even get past the word

1179
01:28:38.840 --> 01:28:43.760
go to find a viable claim.
But assuming you got beyond that, we

1180
01:28:43.880 --> 01:28:45.960
deal with was it an accident was
it not? If it was an accident,

1181
01:28:46.039 --> 01:28:49.079
we then try to find coverage.
We go to his homeowners. If

1182
01:28:49.119 --> 01:28:53.439
he has homeowners he may not.
You're not going to get it on car

1183
01:28:53.600 --> 01:28:56.720
insurance. You're not going to get
it on you know, anything else.

1184
01:28:56.800 --> 01:29:01.239
So you're you're you're rapidly getting into
a narrow you know, tiny little subset

1185
01:29:01.319 --> 01:29:05.399
that might might find coverage. The
chances are the answer is no. But

1186
01:29:06.359 --> 01:29:11.399
I've heard of negligence. Did I
even hear? Like? Can't a professional

1187
01:29:11.479 --> 01:29:15.720
football player actually be charged with negligence
if he knocks out a guy for life

1188
01:29:15.800 --> 01:29:18.920
in his career and he was just
excessive force? Is there a such thing?

1189
01:29:19.239 --> 01:29:25.039
Maybe? I mean, certainly they
could be negligence, but you're mostly

1190
01:29:25.119 --> 01:29:29.079
going to get into intentional action.
I mean, it's you ran the guy

1191
01:29:29.199 --> 01:29:32.239
down. It wasn't an accident.
You teed up on him and mote him

1192
01:29:32.279 --> 01:29:36.319
down, So there would be no
insurance, but could be personal liability.

1193
01:29:36.359 --> 01:29:41.840
There could be personal liability absolutely.
Okay, those guys you would you would

1194
01:29:41.880 --> 01:29:45.720
do it because they have money.
But your average walking around guy that has

1195
01:29:45.000 --> 01:29:48.560
you know, no unencumbered assets,
no, you know, big fat bank

1196
01:29:48.560 --> 01:29:53.359
account sitting out there, there's no
you know, there's no pot of gold

1197
01:29:53.399 --> 01:29:57.039
there to go after the guy.
Okay, So what would your question be,

1198
01:29:57.119 --> 01:29:59.439
Natalie, As John said in the
beginning, because I just wanted to

1199
01:29:59.479 --> 01:30:01.920
get all of this out first,
did we cover it here? Do you

1200
01:30:02.000 --> 01:30:08.000
have a specific question? Yeah,
I mean you kind of did. They

1201
01:30:08.760 --> 01:30:12.800
They both are in sports a lot, so they know about waivers. They

1202
01:30:12.920 --> 01:30:18.920
didn't. This league did not have
them find a waiver, so they they

1203
01:30:19.079 --> 01:30:24.640
know. They thought that was interesting
too. Are there assumed risks without waiver?

1204
01:30:24.960 --> 01:30:28.680
Yes? So you know then for
example, if you play a sport

1205
01:30:28.760 --> 01:30:32.600
the Empire, even if the umpire
brought the teams together and said emphatically that

1206
01:30:32.760 --> 01:30:41.039
this is like this is a non
contact softball game a league, and I

1207
01:30:41.119 --> 01:30:45.880
mean the umpire has already told the
director of the league all of this information

1208
01:30:45.039 --> 01:30:47.920
too. So that's what I was
about, calling to see if they had

1209
01:30:48.000 --> 01:30:54.600
any kind of without me being a
smart alec here. So what you know,

1210
01:30:54.760 --> 01:30:57.479
if the if the umpire said now
boys and girls were not going to

1211
01:30:57.560 --> 01:31:00.760
run into each other, we again
come back to the same analysis. Was

1212
01:31:00.800 --> 01:31:05.600
it negligence meaning there may be the
ability to find some coverage through a homeowners

1213
01:31:05.680 --> 01:31:10.239
or something, or was it intentional? It still sounds an awful lot like

1214
01:31:10.319 --> 01:31:15.760
an intentional contact. Even if he
didn't intend the actual result. He intended

1215
01:31:15.840 --> 01:31:18.479
the hit. And you're going to
be liable to the consequences of your intentional

1216
01:31:18.560 --> 01:31:21.800
acts, and one of them is
that there's not going to be coverage available

1217
01:31:21.920 --> 01:31:28.119
under your homeowner response. And this
guy theoretically how much injury does he have

1218
01:31:28.279 --> 01:31:35.600
By the way, they're already like
they've already spent like ninety five dollars.

1219
01:31:36.000 --> 01:31:43.279
Oh my god. So this guy
had his face decimated. That's horrible.

1220
01:31:43.439 --> 01:31:47.039
Yeah, I mean, yeah,
it was just he had is his health

1221
01:31:47.079 --> 01:31:53.279
insurance covering him? He does have
some, I mean it's dental insurance.

1222
01:31:53.439 --> 01:31:58.279
So they do have some some dental
insurance, but there's still is it all

1223
01:31:58.399 --> 01:32:03.680
dental or does he have any medic
or orthopedic problems? No, orthopedic.

1224
01:32:03.840 --> 01:32:09.560
You may have cosmetic and is left. But we were thinking that healing fine

1225
01:32:09.560 --> 01:32:12.800
because it just went back to where
it was supposed to go. But it's

1226
01:32:12.920 --> 01:32:15.600
mostly going to be dental. He's
still have the waiting up another six to

1227
01:32:15.640 --> 01:32:19.319
eight weeks because the bone fractured,
in his word, his teeth going his

1228
01:32:19.880 --> 01:32:26.279
upper job bone. So it sounds
horrible. I think goodness has health insurance

1229
01:32:26.359 --> 01:32:30.880
or man. You know, sometimes
there's just not a there's not a liability

1230
01:32:30.960 --> 01:32:32.560
claim or anyone. Well, there
might be, but it may not be

1231
01:32:32.680 --> 01:32:35.760
worth pursuing. I don't know.
I mean, look, you know,

1232
01:32:36.159 --> 01:32:41.640
does listen, there's no there's no
harm in asking. So see if the

1233
01:32:41.720 --> 01:32:45.119
guy that ran into him has a
homeowner's policy. I'm sure that the guy

1234
01:32:45.279 --> 01:32:48.680
is not going to say I intentionally
ran him down, even though we have

1235
01:32:48.840 --> 01:32:54.640
our suspicions. But there'd be no
penalty for calling that insurance company and opening

1236
01:32:54.720 --> 01:32:58.199
a claim and letting them analyze it
and see if there's coverage. If there

1237
01:32:58.319 --> 01:33:03.479
is, great, if not.
You tried so in Natalie, you bring

1238
01:33:03.640 --> 01:33:08.199
up some good points, by the
way, and thank you again. I

1239
01:33:08.359 --> 01:33:11.439
hope it works out. But man, I want to ask this John in

1240
01:33:11.560 --> 01:33:15.520
a bar fight. We've had calls
like this. I got to take this

1241
01:33:15.640 --> 01:33:20.359
break right dragging am I overtime?
I do want to know about a bar

1242
01:33:20.479 --> 01:33:29.600
fight because we've had these questions before
this and more coming up. Go with

1243
01:33:29.680 --> 01:33:32.840
a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a

1244
01:33:32.960 --> 01:33:41.159
cent until you're content. Time for
an insurance check up, free no obligation

1245
01:33:41.319 --> 01:33:45.880
comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find

1246
01:33:45.920 --> 01:33:49.079
out now three all three seven to
seven to one help. You'll think you're

1247
01:33:49.159 --> 01:33:54.000
his only customer when you choose Frank
durand the Real Estate Man dot com to

1248
01:33:54.119 --> 01:33:58.840
list your home with Remax Alliance three
three nine two zero sixteen twenty two.

1249
01:34:05.239 --> 01:34:12.800
Hi Tom Martino, you're a troubleshooter. Let's ask Jeremy from Compass Insurance Group

1250
01:34:12.840 --> 01:34:16.439
about this really weird situation in Pennsylvania. Jeremy, welcome to the show.

1251
01:34:17.319 --> 01:34:26.640
Hey Tom, Hey, So Joyce's
friend has a policy homeowner's policy, and

1252
01:34:27.159 --> 01:34:31.880
just listen to this one. She's
had the State Farm policy since twenty nineteen.

1253
01:34:32.640 --> 01:34:38.199
All right, Okay, now that's
the five years. Now. She

1254
01:34:38.920 --> 01:34:45.399
recently was denied a roof claim because
they have her down as the home being

1255
01:34:45.640 --> 01:34:48.439
at a different address. Joyce,
I want to ask a few questions.

1256
01:34:49.159 --> 01:34:54.680
The address that was being insured according
to State Farm. Was that how she

1257
01:34:54.920 --> 01:34:59.520
used to live at? Yes?
And how long she was in the new

1258
01:34:59.600 --> 01:35:04.199
house in twenty nineteen eighteen? Yep? Well no, actually she was in

1259
01:35:04.279 --> 01:35:10.920
the new houses two thousand. But
in twenty eighteen she changed to State Farman

1260
01:35:11.119 --> 01:35:16.399
Healthful And when she changed to State
Farm, she changed what address? But

1261
01:35:17.039 --> 01:35:23.399
they when she she was in that
home since two thousand. So when she

1262
01:35:23.600 --> 01:35:29.439
switched to State Farm, where'd they
get this other address? Probably from an

1263
01:35:29.640 --> 01:35:34.479
old State Farm policy that she had
at the other address. Okay, so

1264
01:35:34.600 --> 01:35:40.920
when they issued the policy in a
declarations page. Did she notice an old

1265
01:35:40.960 --> 01:35:46.640
address on it? She did not, And State Farm has her car insurance,

1266
01:35:47.560 --> 01:35:55.159
and she and her car insurance is
for the correct address. Now,

1267
01:35:55.279 --> 01:36:00.640
one thing I do know as well
as I know all the people Compass.

1268
01:36:00.439 --> 01:36:09.479
Whenever they do anything, including saving
me money, they make me sign a

1269
01:36:09.640 --> 01:36:15.840
complete set of documents again on DocuSign. Now, Jeremy, Jeremy, do

1270
01:36:15.960 --> 01:36:19.840
you do that for your protection?
So I sign off on it and agree

1271
01:36:19.880 --> 01:36:24.840
to it. We do it for
two reasons. One, yes, that,

1272
01:36:25.239 --> 01:36:29.560
but two, it's so much easier
anyone can make a mistake, and

1273
01:36:29.720 --> 01:36:34.399
it's so much easier to have different
layers, multiple layers up front to catch

1274
01:36:34.520 --> 01:36:39.760
that mistake, to avoid this situation, because it really is. We want

1275
01:36:40.039 --> 01:36:43.479
to make sure we're all on the
same page. Well, whose fault would

1276
01:36:43.479 --> 01:36:47.039
it be? Then? What do
you think if Compasses? Well, I

1277
01:36:47.079 --> 01:36:49.800
wouldn't say if Compass, Compass would
never do this, I don't think.

1278
01:36:49.880 --> 01:36:56.960
But okay, so let's say they've
been ensuring since two thy eighteen, this

1279
01:36:57.199 --> 01:37:02.319
damn house. It's not even located
there. I think the original mistake,

1280
01:37:03.199 --> 01:37:06.159
certainly. I mean, if they
have the correct address for the auto,

1281
01:37:06.840 --> 01:37:14.079
then the mistake falls with the insurance
company or whoever wrote it for having the

1282
01:37:14.119 --> 01:37:18.000
wrong address. I mean, clearly, what happens they're refusing to pay well,

1283
01:37:18.039 --> 01:37:24.359
I think at some point the insured
as an obligation as well to make

1284
01:37:24.439 --> 01:37:30.119
sure they're reviewing those policies. So
I think it's a big difference to say

1285
01:37:30.199 --> 01:37:33.079
has happened, you know, in
the first year of the policy. Even

1286
01:37:33.159 --> 01:37:38.640
you could probably make an argument,
but Jeremy, listen, I've had insurance

1287
01:37:38.680 --> 01:37:42.319
for I don't know how many years
with you guys, and after the first

1288
01:37:42.439 --> 01:37:45.079
year, I've never looked. I've
never looked at my dext page. You

1289
01:37:45.239 --> 01:37:47.640
just tell me what I have,
and I don't. I don't look,

1290
01:37:47.720 --> 01:37:53.920
I'll be honest. Sure, And
I think a lot of that comes back

1291
01:37:54.000 --> 01:37:58.680
to what is the agency doing on
their end to make sure things are right?

1292
01:37:58.960 --> 01:38:01.119
Right, So every time someone calls
in, we try to review that

1293
01:38:01.239 --> 01:38:06.000
account, catch things, making sure, hey, you know this doesn't look

1294
01:38:06.159 --> 01:38:12.439
right. I think a lot of
this comes into trying to avoid the problem

1295
01:38:12.560 --> 01:38:15.600
to start all, right, But
I think so Joyce, SOMETHINGY is going

1296
01:38:15.680 --> 01:38:18.560
to take a stance at some point, whether people do it or not,

1297
01:38:18.880 --> 01:38:23.479
there's going to be some level of
hey, you know it's on the first

1298
01:38:23.560 --> 01:38:26.960
page. Hold on, Joyce,
because I have a lot to say about

1299
01:38:27.000 --> 01:38:29.479
this coming back. Hang on,
and if you could, Jeremy, that

1300
01:38:29.520 --> 01:38:34.560
would be good. We got more
coming right up. Go with a sure

1301
01:38:34.680 --> 01:38:40.199
thing Denver's Best roofer Excel Roofing dot
com. You don't pay a cent until

1302
01:38:40.239 --> 01:38:47.319
you're content. Time for an insurance
check up free no obligation comparison call Compass

1303
01:38:47.399 --> 01:38:53.039
Insurance paying too much your coverage at
dozens of insurance companies find out now three

1304
01:38:53.119 --> 01:38:56.720
out three seven to seven to one
help. You'll think you're his only customer

1305
01:38:56.800 --> 01:39:00.399
when you choose Frank durand the real
estate Man dot com to list your home

1306
01:39:00.640 --> 01:39:11.560
with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom

1307
01:39:11.680 --> 01:39:15.239
Martinez here three three seven one three
talks seven one three eight two five five.

1308
01:39:15.600 --> 01:39:19.319
So, Jeremy, it seems to
me that this is negligent on the

1309
01:39:19.359 --> 01:39:25.359
agent's part, for sure. But
you know, I gotta think they were

1310
01:39:25.479 --> 01:39:29.079
paying. Now the roof's going to
be twenty grand, they were paying in

1311
01:39:29.199 --> 01:39:32.920
premiums. I don't know. I
would say at least about probably two thousand

1312
01:39:32.960 --> 01:39:39.319
a year. I don't know,
sure, And I guess. The thing

1313
01:39:39.399 --> 01:39:43.600
I would say is it seems like
it's something they should be able to fix,

1314
01:39:43.800 --> 01:39:46.720
right, they should be able to
get either their money back, although

1315
01:39:46.720 --> 01:39:50.079
I don't know if i'd settled for
that, and that's six years of premiums.

1316
01:39:51.640 --> 01:39:57.760
But Jeremy, this is the insurance
commissioner for that state. Don't you

1317
01:39:57.840 --> 01:40:00.439
think they'd have something to say about
this? I would that'd be where I

1318
01:40:00.439 --> 01:40:03.239
would content. That'd be the first
person i'd contact. You're not gonna I

1319
01:40:03.239 --> 01:40:05.840
mean, if State Farm is going
to take the stance they're not going to

1320
01:40:05.920 --> 01:40:11.760
pay, I don't know where you're
gonna go with that. I mean I

1321
01:40:12.000 --> 01:40:15.760
would go to the insurance commissioner.
And you know, in every state's different

1322
01:40:15.920 --> 01:40:18.319
obviously, because I think this was
out of state, and how they're gonna

1323
01:40:18.399 --> 01:40:21.720
look at that, and I think
the you know, the goal obviously is

1324
01:40:21.800 --> 01:40:28.119
to avoid it from happening, but
when it does happen, you still have

1325
01:40:28.239 --> 01:40:30.239
to look at the intent. You
know, is this off at digit is

1326
01:40:30.319 --> 01:40:35.760
it an old address? Clearly that
she didn't give them this address. They

1327
01:40:35.840 --> 01:40:41.720
have the correct address. So I
feel like it's just simple, we're not

1328
01:40:42.079 --> 01:40:45.640
covering it because of this seems a
little harsh. I mean, it's it's

1329
01:40:45.680 --> 01:40:50.439
not like she didn't have insurance,
but it's hard to make that fight with

1330
01:40:50.560 --> 01:40:59.039
some companies. Well yep, Now, I would say you need to contact

1331
01:41:00.039 --> 01:41:06.720
as soon as possible your buddies and
get them to put a complaint in with

1332
01:41:06.880 --> 01:41:14.479
the state authorities because they're pretty strict
when it comes to can't you know,

1333
01:41:15.119 --> 01:41:21.800
insurance authorities are usually pretty good at
following up complaints. So and I would

1334
01:41:21.840 --> 01:41:27.319
make the argument, if they're not
going to cover it, then she didn't

1335
01:41:27.359 --> 01:41:31.760
have insurable interest on this phantom house
that she's ensuring. They shouldn't be able

1336
01:41:31.760 --> 01:41:34.560
to collect the money on it.
She couldn't have made a claim on it

1337
01:41:34.680 --> 01:41:40.079
if she doesn't own the house,
So I said minimum, she should be

1338
01:41:40.119 --> 01:41:43.159
able to fight to get that premium
back, which would at least if she

1339
01:41:43.279 --> 01:41:45.800
can't get it covered, should help
offset the cost of that. But you

1340
01:41:46.199 --> 01:41:53.680
can't have it both ways. By
the way, it's the Pennsylvania Insurance Department

1341
01:41:54.359 --> 01:42:00.520
of Consumer Services. Look them up, Pennsylvania Insurance Departments Consumer Services. I'm

1342
01:42:00.560 --> 01:42:03.920
Tom Martino. Thank you Compass Insurance
for insurance checkups three oh three nine nine

1343
01:42:04.000 --> 01:42:09.880
six nine thousand, Go with a
sure thing Denver's best roofer Excel Roofing dot

1344
01:42:10.000 --> 01:42:15.199
com. You don't pay a cent
until you're content. Leave time for an

1345
01:42:15.239 --> 01:42:21.199
insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at

1346
01:42:21.239 --> 01:42:26.279
dozens of insurance companies find out now
three oh three seven seven to one help.

1347
01:42:26.479 --> 01:42:30.000
You'll think you're his only customer when
you choose Frank durand the real estate

1348
01:42:30.079 --> 01:42:33.520
Man dot com to list your home
with Remax Alliance three oh three nine two

1349
01:42:33.600 --> 01:42:45.800
zero sixteen twenty two d news.
You needed that? Who you don't have?

1350
01:42:48.520 --> 01:42:57.039
Run in USA as you can.
Shooter's gonna help come Man six is

1351
01:42:57.119 --> 01:43:01.960
the Troubleshooter Show. No Martino,
Hey, Tom Martino here, Welcome to

1352
01:43:02.039 --> 01:43:06.880
the show with John Fuller Fuller Law. We're talking about personal injury, liability,

1353
01:43:08.000 --> 01:43:11.960
negligence and where they cross and crisscross
and all of that. Plus we're

1354
01:43:12.000 --> 01:43:15.199
talking about your problems, questions,
complaints. Had some very interesting calls,

1355
01:43:15.520 --> 01:43:19.960
something about towing by the way from
everything I see and read and people text

1356
01:43:20.079 --> 01:43:23.600
me, there are limits. Did
you look it up? John? There

1357
01:43:23.680 --> 01:43:27.439
are limits to what people can charge
you, and I think this one woman

1358
01:43:27.600 --> 01:43:31.520
was overcharge However, there's no getting
out of towing normally if you did everything,

1359
01:43:32.439 --> 01:43:34.720
you know, as long as they
had a sign up and they did

1360
01:43:34.760 --> 01:43:38.800
everything according to law, and most
TOE companies believe it or not do that.

1361
01:43:39.319 --> 01:43:43.399
Now there is a little thing going
people confuse about twenty four hours notice.

1362
01:43:43.960 --> 01:43:48.560
That twenty four hours notice is only
for parking in residential areas where you

1363
01:43:48.840 --> 01:43:54.199
are in a parking spot, but
not someone else's parking spot. It's just

1364
01:43:54.319 --> 01:43:57.720
being unauthorized. They have to give
you twenty hours twenty four hours notice.

1365
01:43:57.880 --> 01:44:01.119
But if you're in a fire lane
or a something ruled to be a safety

1366
01:44:01.199 --> 01:44:05.000
blockage, or you are in someone
else's spot, there's no twenty four hours

1367
01:44:05.119 --> 01:44:09.920
notice. The same with commercial parking. No twenty four hours notice. Now,

1368
01:44:10.000 --> 01:44:12.520
John, what did you look up
about towing? Okay? What did

1369
01:44:12.600 --> 01:44:15.159
you look up your memory techne?
Oh good, Okay, we were talking

1370
01:44:15.159 --> 01:44:18.279
about photographic memory techniques. What's the
name of it. I want to tell

1371
01:44:18.279 --> 01:44:20.920
them what I talked to. They
call it memory palace or a method of

1372
01:44:21.000 --> 01:44:25.640
loci as com memorization technique. By
the way, if you're ever thinking about

1373
01:44:25.680 --> 01:44:29.039
memorizing them. I was trying to
figure out I was telling John what I

1374
01:44:29.119 --> 01:44:31.960
do sometimes, he said, that's
a technique known, a well known technique

1375
01:44:32.000 --> 01:44:35.760
for memorizing and memory palace is where
you visualize a place. You know.

1376
01:44:36.159 --> 01:44:40.640
Let's say your house right now,
if you think about your front door walking

1377
01:44:40.720 --> 01:44:42.399
in, you know what you see
on the left, you know what you

1378
01:44:42.479 --> 01:44:44.600
see on the right, you know
where your office is, you know the

1379
01:44:44.840 --> 01:44:47.199
bathrooms, you know everything in your
house. Usually you can do a mental

1380
01:44:47.279 --> 01:44:51.199
walk through of your house. So
to exercise your photographic ability, what you

1381
01:44:51.279 --> 01:44:56.279
do is associate something you want to
remember with a certain part of your house

1382
01:44:56.800 --> 01:44:59.840
and when you walk in. So
for the left, I have a credenz

1383
01:44:59.920 --> 01:45:03.279
or right there in the hallway,
So now I visualize something on that credenzie.

1384
01:45:03.359 --> 01:45:06.039
It could be that person sitting on
there by the way. The more

1385
01:45:06.119 --> 01:45:11.159
ridiculous the vision, the more you'll
remember. You can remember somebody sitting on

1386
01:45:11.279 --> 01:45:15.520
there or laying on there, drinking
something I don't know, or whatever.

1387
01:45:15.199 --> 01:45:18.880
It's something colorful, or you have
a flash card on there, or some

1388
01:45:19.159 --> 01:45:23.479
fact on there. So it's really
fun. I didn't realize. So he

1389
01:45:23.640 --> 01:45:26.600
told me, you know, toem
what you do has already been done and

1390
01:45:26.760 --> 01:45:31.800
people do it. I used to
do it because I would always think I

1391
01:45:31.880 --> 01:45:36.279
can remember places, I can remember
images better than I can remember words on

1392
01:45:36.319 --> 01:45:41.359
a page or definitely auditory stuff.
But everyone has a different way of learning.

1393
01:45:42.279 --> 01:45:45.359
And that one we were talking about
off the air. So now let's

1394
01:45:45.399 --> 01:45:49.640
talk about other things. The towing
thing I brought out, and there's something

1395
01:45:49.680 --> 01:45:55.239
else. This insurancing has us pissed
off, and I'm almost sure they're going

1396
01:45:55.279 --> 01:45:58.720
to get this covered. But they
had a house insured, and on the

1397
01:45:58.800 --> 01:46:02.399
decks page was a house that she
used to own twenty years ago. Honest

1398
01:46:02.439 --> 01:46:06.159
to god, it had no relation
to the house she was in. But

1399
01:46:06.520 --> 01:46:10.920
State Farm had an old address for
her on file, and that's the one

1400
01:46:10.960 --> 01:46:14.359
they put on the deck page.
So when she had a roof that needs

1401
01:46:14.399 --> 01:46:17.000
replacement, they said, we're not
replacing that roof because you didn't insure this

1402
01:46:17.159 --> 01:46:20.920
house. You ensured a previous house. She's been paying for six years on

1403
01:46:21.239 --> 01:46:25.720
so called previous house. Now,
no matter what, no matter what,

1404
01:46:25.800 --> 01:46:29.199
they would owe a refund because she
used to have been paying on something she

1405
01:46:29.319 --> 01:46:31.319
didn't have an insurable interest in,
she could have never collected on. But

1406
01:46:32.039 --> 01:46:36.640
better yet, I think their negligence
is that they should cost them the roof.

1407
01:46:38.079 --> 01:46:40.680
Now she can't out both. I
don't think a refund or a roof,

1408
01:46:41.000 --> 01:46:43.840
but I think she should be entitled
to that twenty thousand dollars roof,

1409
01:46:43.920 --> 01:46:45.600
don't you, John, I mean, as far as what's right is right?

1410
01:46:45.800 --> 01:46:48.359
Or do you think it's not so
cut and dry? No, I

1411
01:46:48.439 --> 01:46:53.560
think it's completely cut and dry.
If she didn't have an insurable interest and

1412
01:46:54.119 --> 01:46:56.640
Bush comes to shove and they just
stick to the guns and say we're not

1413
01:46:56.680 --> 01:47:00.279
going to cover this lady's house,
then they can hardly even against the suggestion

1414
01:47:00.439 --> 01:47:04.439
that they've got to pay it back
because as proven by this claim, she

1415
01:47:04.520 --> 01:47:09.800
had no coverage, so they completely
just charged her for something that they never

1416
01:47:09.920 --> 01:47:14.000
were going to provide. So absolutely
a refund is coming. I guarantee you.

1417
01:47:14.319 --> 01:47:16.000
All right, three oh three,
seven to one to three, Talk

1418
01:47:16.119 --> 01:47:20.960
James, what's going on with a
car sale? James, Welcome to the

1419
01:47:21.079 --> 01:47:26.159
show. What's happening? Hi?
Tom? Thanks Hi to my caller.

1420
01:47:26.159 --> 01:47:29.640
I really appreciate it. I'm not
sure if I have a problem or not.

1421
01:47:30.359 --> 01:47:32.560
Yeah. So I went to EMIC
and I traded in a vehicle on

1422
01:47:32.640 --> 01:47:39.199
a lease. Yeah, and I
traded in the vehicle for sixteen dollars.

1423
01:47:39.680 --> 01:47:42.079
You know, by the way,
I'm sorry you traded in a car on

1424
01:47:42.159 --> 01:47:47.199
a lease because they call it the
disappearing trade. They can work numbers on

1425
01:47:47.279 --> 01:47:51.600
a lease where you're not getting any
credit for that, but keep going,

1426
01:47:54.039 --> 01:47:58.279
okay, yeah, okay, I'll
keep going. So that leaves me with

1427
01:47:59.319 --> 01:48:05.760
nine sixty one dollars for my trading
because my payoffs, including the processing fee

1428
01:48:05.800 --> 01:48:10.920
of the title was so you had
your saying nine thousand and sixty one to

1429
01:48:11.039 --> 01:48:15.600
the good let's just call it nine
thousand positive equity copy. And then they

1430
01:48:15.720 --> 01:48:19.920
what they and I'll just rout all
the numbers from here. What they told

1431
01:48:19.960 --> 01:48:24.680
me is that they would only allow
me to put six thousand dollars toward my

1432
01:48:24.800 --> 01:48:30.039
trade. And what did they do
with the other three? They said they

1433
01:48:30.039 --> 01:48:35.439
would give me a check. You
have that in writing? Yes, I

1434
01:48:35.520 --> 01:48:42.039
do. I emailed you a copy. It's called a wee oh yeah doctor.

1435
01:48:42.159 --> 01:48:45.880
So are they refusing now to give
you that? Well, they say

1436
01:48:45.960 --> 01:48:48.600
they they say that it's going to
take one to two months, and they

1437
01:48:48.800 --> 01:48:51.439
try to get it to me in
thirty days. And I want to know

1438
01:48:51.479 --> 01:48:56.520
if that's kind of normal operating the
sea. Nothing's normal. It's whatever they

1439
01:48:56.600 --> 01:48:59.199
want. I mean, they could
have offices in timbucktoo. I mean,

1440
01:48:59.800 --> 01:49:01.800
if that's what they agreed to,
and you agree to it. But you

1441
01:49:01.880 --> 01:49:04.039
know, if you agree, it
could take one or two months. I

1442
01:49:04.119 --> 01:49:08.359
have no idea why it would,
but I could see why they want it.

1443
01:49:08.399 --> 01:49:10.600
First of all, verify you have
the equity and all of that.

1444
01:49:11.000 --> 01:49:14.279
But I'm more concerned about something that
I can probably show you on your lease

1445
01:49:14.319 --> 01:49:17.319
where you didn't even get the six
thousand dollars credit. Okay, please do

1446
01:49:18.399 --> 01:49:21.119
well, it's too late now have
you signed it? But what I'm saying

1447
01:49:21.279 --> 01:49:25.880
is, did you send me the
least ox? Did you actually send me

1448
01:49:25.920 --> 01:49:30.640
all the facts and figures? I
send you just one copy of the Here's

1449
01:49:30.640 --> 01:49:33.560
how they do it. They adjust
the least fact. Let me just tell

1450
01:49:33.560 --> 01:49:38.760
you how they do it. They
adjust the least factor or the mileage,

1451
01:49:38.840 --> 01:49:42.920
or the acquisition cost or a little
bit of all. Where that trade you've

1452
01:49:43.039 --> 01:49:49.279
gotten nothing for it. Wow.
Yeah, it's an age old ritual to

1453
01:49:49.600 --> 01:49:56.119
steal trades. It's called stealing the
trade. And you should never ever ever

1454
01:49:56.319 --> 01:50:00.119
trade on a lease. They can't
mask it. And a purchase that well,

1455
01:50:00.159 --> 01:50:04.319
they could always raise the prices and
all that, but it's easier to

1456
01:50:04.560 --> 01:50:12.319
mask in a lease than it is
in a purchase, because in a purchase

1457
01:50:12.399 --> 01:50:15.760
it comes off the price. In
a lease, you don't really have a

1458
01:50:15.880 --> 01:50:19.039
price. You have a payment,
yea. And they tell me, okay,

1459
01:50:19.119 --> 01:50:23.479
So I'll just run through the numbers
real quick for you. The gross

1460
01:50:23.560 --> 01:50:28.000
capitalization cost with fifty Now do you
know what that means? Do you know

1461
01:50:28.079 --> 01:50:32.359
what gross capitalization means? It means
the agreed upon value of the vehicle and

1462
01:50:32.520 --> 01:50:38.560
anything you add like service contracts.
Right, that's right, right, keep

1463
01:50:38.640 --> 01:50:42.720
going, Yeah. And then so
the capital cost reduction was twenty five thousand.

1464
01:50:43.239 --> 01:50:48.159
Now where'd they get to twenty five
thousand through nineteen thousand dollars in rebates

1465
01:50:49.479 --> 01:50:56.199
and reduction? It was an ev
Yeah, and my trade in okay,

1466
01:50:56.359 --> 01:51:03.399
So twenty five plus six No,
twenty five polls included, oh, included

1467
01:51:03.439 --> 01:51:10.920
sixth grade, So that twenty five
did you verify that the twenty five was

1468
01:51:11.319 --> 01:51:15.760
truly an extra? You know that
the tax credits added up to twenty five

1469
01:51:15.960 --> 01:51:24.960
minus six. That says nineteen No. See, I'll tell you how they

1470
01:51:25.039 --> 01:51:29.359
got the Yeah, I see what
you're saying. And when they say the

1471
01:51:29.439 --> 01:51:32.279
tax credits, why would they reduce
it by the tax credits? Usually you

1472
01:51:32.399 --> 01:51:36.319
get the tax credits. Did they
actually did they take the tax credits then?

1473
01:51:36.439 --> 01:51:40.319
Yes, as the lease or they
would yep, yeah, okay,

1474
01:51:40.479 --> 01:51:44.760
I got it. So they took
the tax credits and they took the tax

1475
01:51:44.880 --> 01:51:49.960
credits of nineteen supposedly and gave you
six for a total cap production of twenty

1476
01:51:50.000 --> 01:51:54.640
five. Now, if that's what
it's showing, and truly, if you

1477
01:51:54.800 --> 01:51:57.840
did get a cap production of twenty
five, then you got credit for that

1478
01:51:57.960 --> 01:52:02.439
six on the trade. However,
was the cap figured properly? Like?

1479
01:52:02.800 --> 01:52:08.600
How did they get to the fifty
thousand dollars cap? Right? Well,

1480
01:52:08.680 --> 01:52:14.039
how I'm asking how? What was
the price? I'm sorry the vehicle was?

1481
01:52:15.439 --> 01:52:18.800
Was the greet Up Prime price was
forty seven one two? They jacked

1482
01:52:18.840 --> 01:52:23.560
me with car guard after I told
him not to. I want well,

1483
01:52:23.760 --> 01:52:25.159
hold on, no, no,
no, no, no, no no.

1484
01:52:25.880 --> 01:52:28.680
They didn't jack you with anything after
you told him not to. You

1485
01:52:28.920 --> 01:52:33.439
jacked yourself because they they told okay
you okay, go ahead, and you

1486
01:52:33.520 --> 01:52:38.079
can still get that removed by the
way you find it. So I'm responsible,

1487
01:52:38.119 --> 01:52:40.920
but you can still get that removed. But in any case, so

1488
01:52:41.079 --> 01:52:44.640
you got fifty grand, but you're
positive that the cap or if you went

1489
01:52:44.680 --> 01:52:47.760
out to buy the car, it
would be forty seven something. Oh no,

1490
01:52:48.000 --> 01:52:50.720
you get this car for a lot
cheaper than that, Well, then

1491
01:52:50.920 --> 01:52:54.840
okay, rebate some step for it. No, I'm not talking about the

1492
01:52:54.880 --> 01:52:57.159
rebit. I'm saying if he went
out and just bought it out right,

1493
01:52:57.359 --> 01:53:00.600
he would get this right, so
he would. But I'm asking you right

1494
01:53:00.720 --> 01:53:03.560
now, if you bought that car, what would you pay for it?

1495
01:53:03.640 --> 01:53:08.560
I'm not talking about your credits.
What would be the price you would pay?

1496
01:53:09.720 --> 01:53:14.800
I think you're you're I think you
could probably get it for forty five

1497
01:53:15.199 --> 01:53:17.439
cash. Yeah, yeah, you
would get it for less than Here's what

1498
01:53:17.560 --> 01:53:20.319
you would get it for. I'm
going to tell you. I'm going to

1499
01:53:20.359 --> 01:53:24.319
tell you exactly what you would get
it for. You would get it for

1500
01:53:24.560 --> 01:53:29.359
fifty minus the six thousand they gave
you in a trade. You would get

1501
01:53:29.439 --> 01:53:36.199
it for for forty four thousand dollars. That yeah, So what did they

1502
01:53:36.439 --> 01:53:43.359
just do with your trade? They
stole it? That number onto the number

1503
01:53:43.479 --> 01:53:48.319
that they would. Really they stole
your trade. You know, I wish,

1504
01:53:48.640 --> 01:53:51.199
I wish people would call us before
they buy, or least, I

1505
01:53:51.399 --> 01:53:57.479
know it doesn't matter, at least
get your three grand but you know what,

1506
01:53:57.880 --> 01:54:00.199
because then you won't be totally But
but they took a good part of

1507
01:54:00.239 --> 01:54:02.960
your trade. Yeah they did.
How do I get the car guard,

1508
01:54:03.039 --> 01:54:08.960
gug, Just tell them you want
to cancel it. I don't know,

1509
01:54:09.079 --> 01:54:12.399
if any I don't know, if
any add on, you can't cancel.

1510
01:54:14.159 --> 01:54:16.399
You can tell them that, by
the way, that and the state attorney

1511
01:54:16.479 --> 01:54:19.960
general was involved in that years ago. Now a lease might be different,

1512
01:54:20.000 --> 01:54:25.119
and I'll tell you why, because
the leak or is the one that bought

1513
01:54:25.199 --> 01:54:28.960
that, not you, And I'm
not sure they have to agree. Now.

1514
01:54:29.359 --> 01:54:32.880
See what they could say is we
bought this oh, with the promise

1515
01:54:32.920 --> 01:54:35.439
you were going to lease it,
so you didn't really add it. They

1516
01:54:35.560 --> 01:54:41.560
added it. They added it to
the car they bought with the agreement you

1517
01:54:41.600 --> 01:54:45.640
would lease it with that on there. It's already incorporated into that vehicle.

1518
01:54:45.279 --> 01:54:47.880
Yeah, what I'm saying, that's
right. For example, if I said

1519
01:54:47.920 --> 01:54:53.800
to you, I'm going to rent
you a home and I'm going to rent

1520
01:54:53.880 --> 01:54:57.279
it to you with air conditioning,
but you're going to pay a little more

1521
01:54:57.359 --> 01:55:00.399
for rent and you said, okay. Now you say no, I don't

1522
01:55:00.439 --> 01:55:02.920
want to rent it with air conditioning, I'll say tough. That was the

1523
01:55:03.159 --> 01:55:08.000
terms of the lease. The lease
is different than the purchase. Had you

1524
01:55:08.199 --> 01:55:13.560
purchased it, you could have done
away with that. But I think a

1525
01:55:13.680 --> 01:55:15.760
lease changes things a little because you're
not the one who put it on there.

1526
01:55:16.960 --> 01:55:20.079
You really screwed yourself, bro.
But it's okay. You know what,

1527
01:55:20.640 --> 01:55:24.399
live and learn. Do you like
the car? That's what's important.

1528
01:55:24.399 --> 01:55:30.439
What kind of an EV is?
It's ID four b w Oh my god?

1529
01:55:30.520 --> 01:55:38.800
What? Oh god? Okay,
okay, how did you choose that?

1530
01:55:39.960 --> 01:55:43.359
You hate those two? I don't
hate them. I don't hate them.

1531
01:55:43.399 --> 01:55:45.880
But I'm saying, if you're going
to do an EV at least do

1532
01:55:46.039 --> 01:55:50.880
one that's proven. Folkswagons are not
great cars to begin with. You know

1533
01:55:51.000 --> 01:55:56.680
that really because I traded it in
an all track. I love that car.

1534
01:55:57.119 --> 01:56:00.479
Oh okay, so you like folks. We have more experience obviously than

1535
01:56:00.520 --> 01:56:03.399
I do. No, not,
no, I don't not with every brand.

1536
01:56:03.560 --> 01:56:06.600
I only go by what I hear. I only go by what I

1537
01:56:06.720 --> 01:56:11.840
hear, and and and if you
had good luck with your Volkswagen and you

1538
01:56:12.119 --> 01:56:15.119
like the brand, I'm not telling
you it's not a good brand. I'm

1539
01:56:15.159 --> 01:56:18.079
telling you it's it's not one of
the more reliable brands. Like what he's

1540
01:56:18.079 --> 01:56:21.439
saying is your first car was likely
the Model T. You know, no,

1541
01:56:23.199 --> 01:56:28.000
listen, I'm telling you that.
Here's what's on. Here's what's unfortunate.

1542
01:56:29.319 --> 01:56:34.680
Here's what's unfortunate. What's unfortunate is
the German cars nowadays. They're all

1543
01:56:34.800 --> 01:56:40.079
pretty good quality coming out of the
factory. They have really nice finish and

1544
01:56:40.199 --> 01:56:45.560
trim, but they don't have the
longevity or life that they used to.

1545
01:56:47.520 --> 01:56:54.159
And that's that's the sad fact.
And they're not quite as bad as range

1546
01:56:54.239 --> 01:56:56.840
Rovers. Now. If you did
range Rovers, I would have smacked you

1547
01:56:56.880 --> 01:57:01.359
upside the head. But yeah,
and range Rover happens to be one of

1548
01:57:01.399 --> 01:57:04.960
the prettiest SUVs right now out there. I swear to God, they're so

1549
01:57:05.159 --> 01:57:12.239
wonderful looking, but they suck,
and I wish they didn't suck, just

1550
01:57:12.359 --> 01:57:16.039
like the Jaguars used to be.
Jaguars were the nicest looking freaking cars they

1551
01:57:16.199 --> 01:57:20.399
ever made back in the day when
they were made in England, and they

1552
01:57:20.439 --> 01:57:27.119
were almost possessed by the devil.
They had so many problems the old Lucas

1553
01:57:27.199 --> 01:57:30.920
electrics. But I digress again.
If you like the car, that's all

1554
01:57:30.960 --> 01:57:35.840
that matters. Right now, what's
your monthly payment? It is two twenty

1555
01:57:36.159 --> 01:57:42.479
plus tacks? Holy crap? Is
that good? Holy? How long is

1556
01:57:42.520 --> 01:57:48.359
that good? Fortie? That's spectacular. That's almost like a free car.

1557
01:57:48.479 --> 01:57:53.600
Now listen man, But now one
other question. How many miles per year

1558
01:57:53.640 --> 01:57:58.760
do you get to put on that
ten thousand? But I live in Brockenridge

1559
01:57:58.800 --> 01:58:02.640
in the winter and I know drive
and because I just think, listen man,

1560
01:58:03.079 --> 01:58:08.439
you made you made a sweetheart lease
for that's what leases are made for,

1561
01:58:08.640 --> 01:58:12.680
for customizing, and that's exactly what
you did. You did it the

1562
01:58:12.800 --> 01:58:15.079
right way. By customizing it.
You could have had it even cheaper,

1563
01:58:15.119 --> 01:58:20.399
which is amazing to me. But
you freaking got that car for two hundred

1564
01:58:20.399 --> 01:58:25.199
and something a month. That's coffee
money for a lot of people. Yeah.

1565
01:58:25.279 --> 01:58:30.439
My insurance is seventy dollars less a
month. Wow. What's your range

1566
01:58:30.520 --> 01:58:38.640
on that car? I'd they say
it's two fifty But to optimize the battery

1567
01:58:38.800 --> 01:58:43.720
you are supposed to do eighty percent. Yeah, so what's your range on

1568
01:58:43.800 --> 01:58:47.399
eighty percent? So my okay,
deal is I needed vehicle up to go

1569
01:58:47.520 --> 01:58:53.199
to brack and and charge there.
And here's what is it? All wheel

1570
01:58:53.319 --> 01:58:59.479
drive? Yep? All wheel drive
free charging at Electrify America for three years.

1571
01:59:00.279 --> 01:59:02.920
Okay, bro, then I take
back everything I said. Even if

1572
01:59:03.119 --> 01:59:05.760
they screwedge you out of a few
grand. You you did pretty well.

1573
01:59:06.039 --> 01:59:15.640
We got more coming up on the
Troubleshooter Show. Go with a sure thing

1574
01:59:15.800 --> 01:59:19.199
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1575
01:59:19.279 --> 01:59:27.199
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1576
01:59:27.359 --> 01:59:31.239
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

1577
01:59:31.279 --> 01:59:34.520
out now three oh three seven seven
to one help. You'll think you're his

1578
01:59:34.720 --> 01:59:39.680
only customer when you choose Frank durand
the real estate Man dot com to list

1579
01:59:39.760 --> 01:59:44.159
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1580
01:59:46.479 --> 01:59:53.720
Hi Tom Martino here three O three
seven one three talk seven one three eight

1581
01:59:53.800 --> 01:59:58.760
two five five. Welcome to the
show. Let's continue here and try to

1582
01:59:58.840 --> 02:00:00.880
help you any way we can,
as we do all the time. So

1583
02:00:01.720 --> 02:00:08.279
Karen has an issue on car service. Hi Karen, what's happening? Okay?

1584
02:00:08.399 --> 02:00:13.479
I took my car in for a
regular old change. Where'd you take

1585
02:00:13.560 --> 02:00:18.680
it to? Larry H. Ford
on Sims and sixth Avenue. Okay,

1586
02:00:18.960 --> 02:00:25.159
and what happened? Okay, I
take it in. They they give me

1587
02:00:25.239 --> 02:00:30.239
a video saying what needs to be
done, which they included the spark spark

1588
02:00:30.279 --> 02:00:32.840
plug. Oh so you you wanted
an oil change, but they said you

1589
02:00:32.960 --> 02:00:36.600
needed a lot more. Yeah.
Well I went in there just to you

1590
02:00:36.720 --> 02:00:41.319
know, to make sure I wanted
my alignment, you know, because of

1591
02:00:41.479 --> 02:00:43.840
my car, take care of my
car. My car has been there.

1592
02:00:44.319 --> 02:00:47.159
I took my car there for years. Okay, okay, yeah, so

1593
02:00:47.600 --> 02:00:53.359
they know that the engine of my
car because that's where it goes. If

1594
02:00:53.439 --> 02:00:59.039
anything's wrong, I'm there to fix
it. Okay. So this time I

1595
02:00:59.199 --> 02:01:01.199
take it in. I just say, well, I need, you know,

1596
02:01:01.359 --> 02:01:05.119
the oil chains. And they gave
me a video and all the things

1597
02:01:05.159 --> 02:01:09.600
that were wrong with my car,
it would say, the alignment, they

1598
02:01:09.680 --> 02:01:15.359
said, the spark plugs, my
window, windshield wipers. They wanted to

1599
02:01:15.439 --> 02:01:18.880
do a few ing because of the
you know, the knowledge on my car,

1600
02:01:19.079 --> 02:01:24.079
which is not even eighty thousand miles
okay for my twenty fourteen, for

1601
02:01:24.159 --> 02:01:28.760
its focus. So I kept this
car with them at all times, all

1602
02:01:28.840 --> 02:01:32.159
right. So after a week and
I had them look for it was a

1603
02:01:32.279 --> 02:01:38.399
switch in my tory. So did
you agree to all of that? Yes?

1604
02:01:38.680 --> 02:01:42.079
Yes? And how much did that
all come to when they made that

1605
02:01:42.279 --> 02:01:46.800
list for you? Okay? It
came up to almost seven hundred dollars okay,

1606
02:01:47.239 --> 02:01:53.520
okay, So after that they did
the wheel alignment. The next thing,

1607
02:01:53.600 --> 02:01:56.960
you know, they said, it's
the motor mounts. Okay, So

1608
02:01:57.800 --> 02:02:02.000
that's another nine hundred and minute,
another nine hundred on top of seven hundred.

1609
02:02:03.000 --> 02:02:08.199
Yeah. So when I got my
car out, when I went to

1610
02:02:08.279 --> 02:02:11.199
go pick up my car, I
don't know why you would need motor mounts.

1611
02:02:11.359 --> 02:02:15.199
Man, I have no idea why
that's that's weird. But this is

1612
02:02:15.279 --> 02:02:19.079
not the kicker, though, not
the kicker. The kicker is I went

1613
02:02:19.119 --> 02:02:24.359
to go pick up my car,
I pay the sixteen hundred dollars because it's

1614
02:02:24.399 --> 02:02:29.159
going to be eighteen something, but
they didn't charge me for the diagnostics,

1615
02:02:29.319 --> 02:02:32.520
okay. So they took that off, and they took the fuel injection on.

1616
02:02:33.319 --> 02:02:36.760
So okay, so I'm paying sixteen
fifty out the door. I'm ready

1617
02:02:36.840 --> 02:02:41.279
to get my car. They go
to get my car, they done left

1618
02:02:41.680 --> 02:02:45.960
the light off. The lights on
in my car, so my battery is

1619
02:02:45.000 --> 02:02:50.479
totally dead. Okay, so I
wait an hour there for them to charge

1620
02:02:50.520 --> 02:02:54.960
it, and they said, oh
man, you can get go ahead and

1621
02:02:55.439 --> 02:02:57.840
run your car because it's going to
take me fifteen minutes to get to my

1622
02:02:57.960 --> 02:03:00.520
house. I go and get in
my car with my daughter and me.

1623
02:03:01.560 --> 02:03:06.560
Well, I go two miles down
to Coofex. My car st RBMs.

1624
02:03:08.399 --> 02:03:11.640
It wouldn't go, so I go
all the way. What's wrong with your

1625
02:03:11.720 --> 02:03:14.359
car? Now? Let's get right
to that part, Karen. What's wrong

1626
02:03:14.399 --> 02:03:18.239
with it now? Okay, they're
saying it's a clutch and it's the transmission.

1627
02:03:18.520 --> 02:03:21.760
Wait a minute, Wait a minute? How many how many miles on

1628
02:03:21.840 --> 02:03:30.199
this? My car has seventy n
and now they say your clutch and your

1629
02:03:30.319 --> 02:03:34.119
transmission are going out? Yeah,
and my car. I haven't had my

1630
02:03:34.239 --> 02:03:39.520
car since I chucked it off to
them. Wait a minute, did you

1631
02:03:39.640 --> 02:03:42.840
take you didn't go hold on?
You didn't take it back for the clutching

1632
02:03:42.920 --> 02:03:47.760
transmission? Did you? Oh?
What? Where's your car right now?

1633
02:03:48.279 --> 02:03:51.680
Karen? At my daughter's house.
We need to get it. You need

1634
02:03:51.760 --> 02:03:56.239
to get it checked out. I
mean I don't trust them. Okay,

1635
02:03:56.359 --> 02:03:59.840
what what this is the point?
I have a kick engine light on.

1636
02:04:01.279 --> 02:04:04.960
We need to Here's what we need
to do. Do you have the invoice

1637
02:04:05.359 --> 02:04:12.239
when you picked it up for the
sixteen fifty? Okay? We need someone.

1638
02:04:12.840 --> 02:04:17.159
We need someone to go through the
car to make sure they did what

1639
02:04:17.359 --> 02:04:24.640
they said and that you and to
verify what's wrong with it. Now if

1640
02:04:24.720 --> 02:04:29.039
it turns out, what's that,
Karen? My car was perfect. My

1641
02:04:29.159 --> 02:04:33.479
car was perfectly. I would know
if I would have transmission problems. My

1642
02:04:33.680 --> 02:04:42.119
car had no lifetime, it never
has no. But hold on, Here's

1643
02:04:42.159 --> 02:04:44.479
what I want to say, Karen. Hold on, just hold on.

1644
02:04:44.520 --> 02:04:45.920
I'll come back to you, okay, because I can tell you're upset.

1645
02:04:46.079 --> 02:04:48.720
I don't want you to be upset. There are things I think you can

1646
02:04:48.800 --> 02:04:54.239
do to just we can verify stuff
or protect you. So hang on.

1647
02:04:54.439 --> 02:04:58.880
I'm Tom Martine More right after this, go with a sure thing Denver's Best

1648
02:04:59.000 --> 02:05:05.600
Ruffer Excel dot com. You don't
pay a cent until you're content. Time

1649
02:05:05.680 --> 02:05:11.079
for an insurance checkup free, no
obligation. In comparison, call Compass Insurance

1650
02:05:11.279 --> 02:05:15.399
paying too much your coverage at dozens
of insurance companies find out now three all

1651
02:05:15.479 --> 02:05:17.920
three, seven, seven to one
help. You'll think you're his only customer

1652
02:05:17.960 --> 02:05:21.560
when you choose Frank durand the real
estate man dot com to list your home

1653
02:05:21.800 --> 02:05:33.960
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom

1654
02:05:34.039 --> 02:05:39.119
Martino, you're troubleshooter three O three
seven one three talk seven one three eight

1655
02:05:39.199 --> 02:05:43.960
two five five. All right,
So Karen said, she took her car

1656
02:05:44.079 --> 02:05:45.560
and for service or car's never been
the same. You know, We've hear

1657
02:05:45.640 --> 02:05:50.159
this a lot, and it could
be that they're jacking with her, but

1658
02:05:50.399 --> 02:05:54.279
maybe not. I don't know.
She said, Oh, my car was

1659
02:05:54.319 --> 02:05:57.000
perfect. I hear this a lot, and you're not the only one.

1660
02:05:57.359 --> 02:06:02.720
So Karen, without getting up with
out getting analytical here and deciding who's wrong

1661
02:06:02.800 --> 02:06:06.439
or who's right, here's what I
want to ask you. Do you have

1662
02:06:06.560 --> 02:06:10.399
the invoice, you have your car? Are you willing to where are you

1663
02:06:10.520 --> 02:06:15.479
located in the general area? Well, my car is at my daughter's health.

1664
02:06:15.159 --> 02:06:17.920
Where's that in general? Not the
address, but give me some cross

1665
02:06:18.039 --> 02:06:27.319
streets. Olive Street in thirty second
Evenue second is park Hill. Yeah,

1666
02:06:28.000 --> 02:06:34.479
okay, listen. If you went
to sharedan Auto Tech, which is Kevin,

1667
02:06:34.920 --> 02:06:41.239
or you could go to RKC Automotive
on West Evans west of Tayhone.

1668
02:06:42.159 --> 02:06:46.199
If you went to one of these
shops and Kachina can give you either one

1669
02:06:46.479 --> 02:06:54.039
if you your car driveable or not
somewhat. They just dropped it off with

1670
02:06:54.199 --> 02:06:59.800
the tow truck and now it's still
it's having battery charge of problems, which

1671
02:06:59.840 --> 02:07:03.239
they drained my battery and said they
fully charged it. But this sucks.

1672
02:07:03.520 --> 02:07:09.119
This sucks so much, and my
car was it's the battery now. So

1673
02:07:10.640 --> 02:07:15.079
I'm but no matter what, listen, listen, when was the last time

1674
02:07:15.119 --> 02:07:24.640
you did your battery? I just
bought a battery there from Sam, so

1675
02:07:25.359 --> 02:07:30.960
it's less than four years old?
Lesson Okay, because let's just say I

1676
02:07:30.039 --> 02:07:33.800
have that on file where I bought
the battery. Yeah, but you say

1677
02:07:33.840 --> 02:07:43.039
it was four years Yeah, okay, you know it's I know. We're

1678
02:07:43.079 --> 02:07:45.760
gonna no matter what, we gotta
get this analyzed by something with someone we

1679
02:07:46.000 --> 02:07:49.479
by people we know and trust.
Once you get this analyzed, we can

1680
02:07:49.560 --> 02:07:53.479
figure out, first of all,
did they do what they charged you for?

1681
02:07:54.000 --> 02:07:57.760
If you paid freaking sixteen hundred and
fifty bucks, we better make sure

1682
02:07:57.800 --> 02:08:01.920
they did what they promised. Then
we can see if they did any damages.

1683
02:08:01.479 --> 02:08:05.279
But I doubt they did damages.
But something's going on. I just

1684
02:08:05.359 --> 02:08:09.079
don't think they're telling you the truth. I don't have a lot of faith

1685
02:08:09.159 --> 02:08:11.960
in Larry H. Miller, never
did. We had get a lot of

1686
02:08:13.000 --> 02:08:16.279
complaints about them. So what I'd
like to do now, I'm not saying

1687
02:08:16.319 --> 02:08:20.560
they're cheating you, but I just
feel a little sketchy about this on how

1688
02:08:20.600 --> 02:08:24.479
it happened. But we need one
thing after the other. And my car

1689
02:08:24.720 --> 02:08:28.600
was I didn't have a check engine. I drove my car. I know

1690
02:08:28.720 --> 02:08:33.079
when if I'm having transmission issues,
I know this. I'm a car owner.

1691
02:08:33.439 --> 02:08:37.079
No, I know that. But
it something went wrong here. I

1692
02:08:37.119 --> 02:08:41.079
don't know what it was. That's
why we want to get it somewhere that

1693
02:08:41.239 --> 02:08:46.319
can look at it. So that's
that's a I don't even know how to

1694
02:08:46.399 --> 02:08:50.720
getting as well. You know what, I would go to RKC Automotive.

1695
02:08:50.920 --> 02:08:58.159
Hey, Kachina, can you can
you get her information on RKC and you

1696
02:08:58.319 --> 02:09:01.880
tell Romando that I recommended you go
there just to look it over with the

1697
02:09:03.000 --> 02:09:07.680
invoice to see what they did and
what's wrong with it. He is very

1698
02:09:07.840 --> 02:09:11.279
reasonable. We gotta get this done
to then we can we can believe him.

1699
02:09:13.560 --> 02:09:18.399
Kachina set that up for me because
she really really needs somewhere we can

1700
02:09:18.479 --> 02:09:20.760
trust to look at it. That's
the first thing, and then we'll take

1701
02:09:20.840 --> 02:09:26.119
it one step at a time.
But right now, man, that sucks.

1702
02:09:26.880 --> 02:09:31.000
Okay, hold on Kaschina, go
talk to her please and get her

1703
02:09:31.880 --> 02:09:39.760
RKC Automotives Information one Evans West of
tayhone and Romando. Really people, he's

1704
02:09:39.800 --> 02:09:43.760
a good guy, and I want
to I really want to referee there our

1705
02:09:43.880 --> 02:09:50.520
case. It's seven to zero seven
four nine thirty nine sixty five. We

1706
02:09:50.640 --> 02:09:56.239
have more coming right up. Go
with a sure thing Denver's best rufer excel

1707
02:09:56.359 --> 02:10:03.279
Roofing dot com. You don't pay
a cent until your content time for an

1708
02:10:03.319 --> 02:10:07.920
insurance check up free, no obligation. In comparison, call Compass Insurance paying

1709
02:10:09.000 --> 02:10:13.039
too much your coverage at dozens of
insurance companies find out now three oh three

1710
02:10:13.199 --> 02:10:16.960
seven seven to one help. You'll
think you're his only customer when you choose

1711
02:10:16.000 --> 02:10:20.399
Frank Durand the real estate Man dot
com to list your home with Remax Alliance

1712
02:10:20.680 --> 02:10:31.800
three oh three nine two zero sixteen
twenty two. Hi Tom Martino, your

1713
02:10:31.039 --> 02:10:35.479
troubleshooter three O three seven one three
talk three O three seven one three eight

1714
02:10:35.560 --> 02:10:39.239
two five five all right, So
John Fuller's with us in the house.

1715
02:10:39.279 --> 02:10:43.039
We're gonna finish up with John unless
you have a call, get it in

1716
02:10:43.199 --> 02:10:46.039
right now. Three oh three seven
one three talk seven one three eight two

1717
02:10:46.039 --> 02:10:48.960
five five. So John, uh, somebody says dash cams? Uh you

1718
02:10:50.279 --> 02:10:52.760
uh, I know you're a believer
in dash camps. Are who still doing

1719
02:10:52.800 --> 02:10:58.399
any giveaways on dashcams? No,
we're That particular promotion has ended, but

1720
02:10:58.640 --> 02:11:01.159
I still am a huge fan of
dash cam's. They're not that expensive.

1721
02:11:01.239 --> 02:11:05.239
No, they're not, And we
routinely have cases where dash cans save the

1722
02:11:05.359 --> 02:11:09.239
day. Eliminate any of that,
he said. She said, I love

1723
02:11:09.279 --> 02:11:13.199
when it give me an idea of
how you would use them. Okay,

1724
02:11:13.319 --> 02:11:18.520
So a normal case comes in the
front door and it seems pretty clear liability

1725
02:11:18.560 --> 02:11:20.520
to us. But when we contact
the other insurance company, at first they're

1726
02:11:20.600 --> 02:11:26.039
investigating, and then they inform us
that they're insured has a different version of

1727
02:11:26.119 --> 02:11:30.840
the events and that they're going to
deny liability or they're investigating further, or

1728
02:11:30.920 --> 02:11:33.840
whatever it is they claim to do. Okay, then we let them know

1729
02:11:33.880 --> 02:11:35.439
that we happen to have a video
of the incident, and that is the

1730
02:11:35.760 --> 02:11:41.800
end of the discussion. They see
the video, it's over. They accept

1731
02:11:41.880 --> 02:11:45.000
complete liability. The rest of the
cases. Is that admissible in court?

1732
02:11:45.239 --> 02:11:50.800
Absolutely? Absolutely? You bet it
is. Wow. And so how would

1733
02:11:50.840 --> 02:11:56.079
you does it record over it?
So of what happens in an accent,

1734
02:11:56.119 --> 02:11:58.600
would you'd have to how do you
preserve it? Yes, I don't know,

1735
02:11:58.840 --> 02:12:01.560
I mean that's technical and imagine they
could read the direction. I'm just

1736
02:12:01.680 --> 02:12:05.800
curious. Most dash cams have a
memory card and of size, youse just

1737
02:12:05.880 --> 02:12:09.840
remove the card. Yeah, but
they do record over it. But if

1738
02:12:09.880 --> 02:12:13.640
they have an event that's like really
sudden breaking or a crash type deal,

1739
02:12:13.760 --> 02:12:18.239
they save it and they have it, you know, the unit itself says,

1740
02:12:18.279 --> 02:12:20.960
oh, something must have happened,
we better save that, no fooling.

1741
02:12:20.119 --> 02:12:24.520
Yeah, it's it's pretty cool technology. And then but even if you

1742
02:12:24.600 --> 02:12:26.640
don't, I mean, we have
people, Tom, We even have witnesses

1743
02:12:26.720 --> 02:12:28.920
to accidents that are like, hey, I'm sitting at a red light.

1744
02:12:30.159 --> 02:12:33.760
Oh, and they take their memory
card out and like hand it to the

1745
02:12:33.880 --> 02:12:37.600
cop and say here, here's a
video of the accident. We get a

1746
02:12:37.680 --> 02:12:41.359
copy of that. Yeah, and
almost everything's on camera now almost, But

1747
02:12:41.520 --> 02:12:46.079
you'd be surprised how many intersections have
like traffic monitoring cameras, but they don't

1748
02:12:46.119 --> 02:12:52.359
actually record. But these little devices
record in living four K color and their

1749
02:12:52.479 --> 02:12:56.039
beautiful quality video, and they absolutely
are worth their weight in gold. I

1750
02:12:56.079 --> 02:13:01.520
would highly recommend that everybody get one
for your vehicles. Okay, on one

1751
02:13:01.640 --> 02:13:07.640
quick question though, what about if
I'm using my cell phone on site things

1752
02:13:07.720 --> 02:13:11.520
not picked up by a diash jump? So what would And by the way,

1753
02:13:11.560 --> 02:13:13.560
don't text anymore because I'm off at
it's five seven seven three nine.

1754
02:13:13.640 --> 02:13:16.920
I'll get it tomorrow. Actually you
can text, but anyway, So what

1755
02:13:18.039 --> 02:13:20.560
would you take with the cell phone
that maybe your dash cam didn't get like

1756
02:13:20.600 --> 02:13:24.520
the other I always say, get
the license plate, get the damages,

1757
02:13:24.840 --> 02:13:28.079
get the proximity a location cars,
right, act like you're a reporter on

1758
02:13:28.199 --> 02:13:31.359
the job. Yeah, take pictures
of the cars, the intersection, the

1759
02:13:31.439 --> 02:13:37.399
lights to sign in the other driver, any witnesses, any witness information like

1760
02:13:37.479 --> 02:13:41.359
a telephone number, anything and everything. Take pictures. You never get a

1761
02:13:41.399 --> 02:13:45.920
second chance to go back and view
the intersection if it were snowy or rainy

1762
02:13:46.039 --> 02:13:48.960
or now would those cell phone pictures
be it? Missibli? But do you

1763
02:13:50.159 --> 02:13:52.600
find out when if you have a
cell phone? They say, well,

1764
02:13:52.640 --> 02:13:56.560
the car was hardly damage and you
have the pictures. I mean, the

1765
02:13:56.920 --> 02:14:01.399
pictures is worth a thousand words right
now. Yeah. I have accidents tom

1766
02:14:01.439 --> 02:14:03.800
where one car looks like it was
barely bumped, and then you look at

1767
02:14:03.840 --> 02:14:09.279
the other one and you're like,
holy cow, it's completely crunched with under

1768
02:14:09.319 --> 02:14:13.079
the back bumper of a big truck
or something, and it's amazing difference.

1769
02:14:13.199 --> 02:14:16.800
Do you have to get information from
the other driver or depend on the cops.

1770
02:14:16.880 --> 02:14:20.800
I always say, even if the
cop is there, you get information.

1771
02:14:20.560 --> 02:14:24.880
Listen. I would highly recommend that
you get as much information as you

1772
02:14:24.079 --> 02:14:28.760
can. Of course, you're so
injured, you're going to the hospital.

1773
02:14:28.840 --> 02:14:31.760
In the hospital and that happens a
lot where the cop takes you know,

1774
02:14:31.760 --> 02:14:35.640
they may take a week to get
the accident report to put together. I

1775
02:14:35.760 --> 02:14:39.199
routinely call cops and are like,
hey man, we have nothing. We

1776
02:14:39.239 --> 02:14:41.079
don't even know where the car got
towed to because my client would. But

1777
02:14:41.159 --> 02:14:45.119
if you have a license PATE number
that would go a long way. Yeah,

1778
02:14:45.439 --> 02:14:48.840
it's easier, you know, but
you haven't had it. Wait,

1779
02:14:48.039 --> 02:14:52.000
you haven't had cases though, tell
me this, tell me this isn't true.

1780
02:14:52.279 --> 02:14:54.560
You haven't had cases where you can't
find the other party, absolutely we

1781
02:14:54.680 --> 02:14:58.359
have, oh my god. So
there's nothing you can do about it.

1782
02:14:58.640 --> 02:15:01.359
No, if you can't identify the
other party, is a total you didn't

1783
02:15:01.399 --> 02:15:05.359
claim at that point. That's uninsured
motors by the way, all right,

1784
02:15:05.479 --> 02:15:09.479
thank you, John Fullerman. It's
been great as usual. My accident lawyer

1785
02:15:09.640 --> 02:15:13.800
dot co. And you can always
call him and notice the fuller difference at

1786
02:15:13.840 --> 02:15:16.920
three oh three five nine seven forty
five hundred five nine seven four five zero

1787
02:15:18.000 --> 02:15:20.920
zero. Don't forget three oh three
Martino. Save all your problems for me.