Speaker 1: Yeah, ripped, bad news to need advice?
Speaker 2: Who you don't have the.
Speaker 3: Come running just as fast as we can.
Speaker 4: Show Shooter's gonna help coming.
Speaker 5: Man, This is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven to one three talk seven one three eight two
Speaker 2: five five. I'll get the studio up at a minute.
Speaker 2: Mark's on his way back right now. All you'll see
Speaker 2: is deputy doc and Bow. And I wouldn't do that
Speaker 2: to you. You could pay me to keep it off,
Speaker 2: and I will. And I'm talking to those streaming. We
Speaker 2: got a we got a popular following. We love it.
Speaker 2: We got mostly downloads, but but several stream During the day,
Speaker 2: I get emails and text from people all over the
Speaker 2: country that have downloaded the show. Sometimes they're a month
Speaker 2: behind and they somehow hear the show and then reach
Speaker 2: out to us. And it's an older show, and that's
Speaker 2: pretty funny. John Fuller is with us Fuller Law, and
Speaker 2: I actually saved up some stuff for John personal injury attorney,
Speaker 2: and I say call on the first sign of trouble
Speaker 2: and just get some consultations. You'd be shocked at how
Speaker 2: many ride share accidents, there are john people don't know
Speaker 2: what to do. They want to know does their own
Speaker 2: I mean, they're completely confused about rideshare. So let's take
Speaker 2: it one step out a time. Ride share as a passenger,
Speaker 2: is your own insurance covering you? Is there insurance covering you?
Speaker 2: Who's covering you?
Speaker 6: Okay? It really depends on who's at fault.
Speaker 7: Tom.
Speaker 6: If there's a third party at fault, then it's just
Speaker 6: like any other accident. In the beginning. You're going to
Speaker 6: file all the claims against the third party that's at fault,
Speaker 6: just as if you were in your own car. Okay,
Speaker 6: you're still going to use your medpay. There may be
Speaker 6: medpay available by the you know, the uber or lyft driver,
Speaker 6: but but primarily you're going to use your own insurance
Speaker 6: and you're going to use that third party. If the
Speaker 6: lift or uber driver is at fault, they're required to
Speaker 6: have insurance and quite a lot of it, and so
Speaker 6: you're going to file all of your claims against that driver.
Speaker 6: You may still have your own medpay and stuff and
Speaker 6: your own UM that would stack on top um meaning
Speaker 6: uninsured motorists. But primarily we would look to the driver
Speaker 6: of the lift or the you know, uber for all
Speaker 6: of the coverage for that accident.
Speaker 2: Okay, does your insurance ever cover you that would be
Speaker 2: underinsured and uninsured? You said sometimes, right.
Speaker 6: Correct, Yep. If you run out of limits, then that
Speaker 6: yours would kick in and stack on top of that.
Speaker 2: John, we used to recommend and say it's a good
Speaker 2: idea to have underinsured and uninsured. I think it's mandatory.
Speaker 2: I mean not by law, but I mean you're protecting yourself.
Speaker 2: I bring back this other run and I hope he's
Speaker 2: not listening because I rub his nose in it. He
Speaker 2: insured his parents and wanted to save him a ton
Speaker 2: of money. Basic liability, medpay no basic liability. Okay, what
Speaker 2: about uninsured? Underinsured, no basic liability? They were hit by
Speaker 2: someone who had next to nothing. Yeah, and now they
Speaker 2: have lifelong injuries and they have nowhere to collect nowhere.
Speaker 4: Yeah.
Speaker 6: I see that all the time, Tom, and listen. Nobody's
Speaker 6: immune to it. Even you know, even well intended agents
Speaker 6: and stuff will steer people wrong. I just yesterday was
Speaker 6: given a copy of my mother in law's car insurance,
Speaker 6: and I was shocked to find out that she had
Speaker 6: really good liability limits, but the state minimum of UM limits.
Speaker 6: And this isn't a different state. But that's just a
Speaker 6: classic example of some agent trying to save her money.
Speaker 6: But it's the worst thing to skimp on. It's the
Speaker 6: only coverage on that policy that actually protects you. This
Speaker 6: lady is eighty two years old and has no assets
Speaker 6: of any significance. She is not at risk of having
Speaker 6: a big liability judgment wreckord financially. The only reason why
Speaker 6: you would have those enhanced liability limits is so you
Speaker 6: can purchase the exact same thing in UM limits. So
Speaker 6: I see it all the time. It's not just it's
Speaker 6: not just one carrier or one agent. It's all across
Speaker 6: the board.
Speaker 2: Yeah, and you really need to advocate for yourself or
Speaker 2: go to an agent that knows what the hell they're doing.
Speaker 2: And another one Callion Times.
Speaker 6: If your agent tells you to do things like skimp
Speaker 6: on the UM or to waive your medpay, it's time
Speaker 6: for you to get a new agent.
Speaker 2: Well. See here's what happens, John. People are trying to
Speaker 2: save money, okay, and they think they're being wise. I
Speaker 2: think one of the wiser things would be to increase
Speaker 2: deductibles and things like that, because if you put in
Speaker 2: too many. If you put in too many claims anyway,
Speaker 2: you're going to be screwed. So you may as well
Speaker 2: have a higher deductible because you end up paying for
Speaker 2: a lot of those claims yourself anyway.
Speaker 6: Now, Yeah, I don't disagree with you, but the problem
Speaker 6: that you have, Tom, and especially you that have a
Speaker 6: lot of you know, a lot of older listeners and stuff.
Speaker 6: These people genuinely believe that their insurance agents are representatives
Speaker 6: of the company. You know, they work for these companies
Speaker 6: and in many instances, nothing could be further from the truth.
Speaker 6: They are selling you products and they try to remain
Speaker 6: as competitive as they can, and if they can shoot
Speaker 6: you a lower rate by shaving off a coverage or
Speaker 6: two here and there, then then many times the consumer
Speaker 6: thinks that's the guy I want to go with because
Speaker 6: he's looking out for me and getting me the best rate.
Speaker 6: But the price for that is a lack of coverage
Speaker 6: when you actually need it the most.
Speaker 2: Yeah, And I want to talk about Instagram and TikTok
Speaker 2: and how it plays into insurance because it does, and
Speaker 2: I want to get to the bottom of it. In fact,
Speaker 2: I wouldn't mind having Brian Burns on to weigh in
Speaker 2: on it, sus whenever we can. Scott, what's going on
Speaker 2: in your life today? Scott? Three O three seven to
Speaker 2: one three talk is our number three oh three seven
Speaker 2: one three A two five five. If you call three
Speaker 2: L three Martino you can get through twenty four to seven.
Speaker 2: Leave a number. We will get back to you. And
Speaker 2: of course we're available on all the social media platforms.
Speaker 2: Just look for us. Hey, Scott, what's going on? Hey?
Speaker 8: How's it going?
Speaker 9: So?
Speaker 2: Good Man?
Speaker 8: Tend to a new home about about a year and
Speaker 8: a half ago, a little under.
Speaker 2: Any new home renter, buy rent, buy bye, and is
Speaker 2: it new from the builder?
Speaker 8: No, it's actually an older home, which is why I
Speaker 8: had to have them put HBAC in when I moved in.
Speaker 2: When we said.
Speaker 8: It was November a year.
Speaker 2: Ago, November of twenty four, twenty three.
Speaker 8: Which one twenty three November twenty okay.
Speaker 2: And who did your HVAC comfort works? Okay? I don't
Speaker 2: know them. So what happened?
Speaker 8: Well, when they came and they did the job, I
Speaker 8: mean it seemed like a great job. The Winner of
Speaker 8: twenty three twenty four we had that one really cold
Speaker 8: night and the system froze up. I tried colling. I'm
Speaker 8: never heard back. It worked afterwards, so I didn't think
Speaker 8: much about it. But this year it's gone down. I
Speaker 8: don't know, three four, five times it's frozen up. Last
Speaker 8: night I had absolutely no heat. I've been trying to
Speaker 8: get a hold of this guy for about the last
Speaker 8: month and a half. Ever since that first really cold
Speaker 8: night we had and it froze up again. I mean,
Speaker 8: I've been going without heat.
Speaker 2: Hearing that all right, now, listen, let's talk about let's
Speaker 2: talk about the very first time you said it froze up.
Speaker 2: What exactly does that mean?
Speaker 8: Well, it's a mini split system, so it's got indoor.
Speaker 2: U Okay, now I got you. I got you. It's
Speaker 2: not a real furnace. Then it's it's a it's a
Speaker 2: heat pump.
Speaker 8: Yeah, it's a heat pump.
Speaker 2: Well, a heat pump will freeze up unless it's these
Speaker 2: newer heat pumps, and it's probably not these newer heat pumps.
Speaker 2: I don't believe they make them in mini splits. The
Speaker 2: newer heat pumps are good for a way below zero.
Speaker 2: The regular mini splits are not, and they are not
Speaker 2: really good below forty forty degrees thirty five degrees so
Speaker 2: you don't have a regular furnace.
Speaker 8: I have the mini splits and that's all I have.
Speaker 8: The they were brand how many.
Speaker 2: How many many? How many many? It doesn't matter if
Speaker 2: they're new or not, if they can't do the job.
Speaker 2: How many mini splits do you have?
Speaker 8: And they're both connected to the same outdoor unit?
Speaker 2: Okay? I missed that. What did he say? How many?
Speaker 2: Like three or four? Like? How many outside units? How
Speaker 2: many outside units do you have?
Speaker 8: H there's one outside unit and two indoor units.
Speaker 2: Okay, so it's a it's truly using one compressor and
Speaker 2: one condenser and it has two wall units in the house.
Speaker 2: Those are never going to heat your house. I mean
Speaker 2: they're probably functioning font and shepherd those well that you
Speaker 2: know what, then you're lucky, You're lucky. But when they
Speaker 2: go out, how do they go out?
Speaker 9: Uh?
Speaker 8: Well, the defrost light will come on like it'll be heating.
Speaker 8: Then the little event goes up. The light will come
Speaker 8: on for to defrosts and then just sits there for hours.
Speaker 8: The outside unit wi's running whatsoever, and it just gets cold,
Speaker 8: you know, I think, and you know, little ice or
Speaker 8: what nott a form on around the outside of it.
Speaker 8: And whatever, and it just it doesn't defrost, it doesn't
Speaker 8: come back on.
Speaker 2: Okay, listen, I'm just gonna tell you you're going to
Speaker 2: have this problem. And usually usually they're pretty piss poor.
Speaker 2: From twenty to thirty two degrees. Thirty two to forty five,
Speaker 2: they're wonderful. Below twenty, they're useless and they will freeze up.
Speaker 2: It's absolutely normal. Now they do make some hyper heat
Speaker 2: high performance ones for below fifteen. I don't know what
Speaker 2: kind you have. What's the make of yours?
Speaker 8: It's a Mitsubishi Electric. It's been running just fine until
Speaker 8: it gets down to about you know, five degrees zero degrees.
Speaker 2: Or did you just hear it? Okay, bro, did you
Speaker 2: hear what I said? I mean, that's why, because they're
Speaker 2: not made for that. Of course they're gonna run fine
Speaker 2: until they don't. But I need to know the exact
Speaker 2: make and model and stuff and let us let our
Speaker 2: experts run it down. So I'm gonna put you on
Speaker 2: hold and give us the make, give us the exact
Speaker 2: make and model. Okay, hold on three oh three seven
Speaker 2: one three talk seven one three eight two five five
Speaker 2: waterpros dot Net, you want to talk about the best
Speaker 2: water systems in the world. I'm just telling you this.
Speaker 2: You can get rid of all the poofa chemicals that's
Speaker 2: forever chemicals, the plastics, the chlorine con soften your water,
Speaker 2: good for pipes, good for you, good for your skin,
Speaker 2: and get drinking water at the kitchen sink. All of
Speaker 2: this this is never be foeheard of. And it's a
Speaker 2: Valentine to Day special. So I think it ends smortw
Speaker 2: But you can call and get in line and you'll
Speaker 2: still be an unord thirty one, ninety five, three and
Speaker 2: ninety five. Now now I'm really serious. I honest to God,
Speaker 2: I'm serious. Not a plumber in Denver will do it
Speaker 2: for less than fifteen grand, and even Paul the waterman
Speaker 2: charges more than this usually. So here's what I want
Speaker 2: you to do. Call him three oh three eighty six
Speaker 2: two five five five four. Hey Tom Martino here three
Speaker 2: oh three seven to one three talk three oh three
Speaker 2: seven one three eight two five five. So let's go
Speaker 2: back to the phone see what we can do for you.
Speaker 2: And John Fuller is with us, Marcus somewhere in the house.
Speaker 2: So Scott's got an HVAC issue. I try did we
Speaker 2: get the issues? If we get the exact make and model.
Speaker 2: I'd like to get someone from fix It or eight eight.
Speaker 10: Eighteen m I'm sorry, okay, okay.
Speaker 2: Or Plumbline. What I'd like to do is address the
Speaker 2: system he has, because having a mini split that goes
Speaker 2: out around five degrees is not unusual. I mean really,
Speaker 2: there's only a few a few that will actually handle
Speaker 2: temperatures below that. Mini splits, for those listening, are electric systems,
Speaker 2: and they call them splits because you don't have to
Speaker 2: put in a whole system. You put in a wall
Speaker 2: unit to an exterior wall. It looks like an air conditioner,
Speaker 2: but it's built into the wall. They put it usually
Speaker 2: up a little high, and then it's remote controlled and
Speaker 2: then it goes the the fluids and everything go outside
Speaker 2: to the guts, which is called the split mini split.
Speaker 2: So that's where the word, you know, that's how they
Speaker 2: describe them. And sometimes they're people's only option when they
Speaker 2: don't have duct work. They have to put these big
Speaker 2: splits in. But they're really not they're really really not
Speaker 2: made for Colorado.
Speaker 11: I have a tree, Scott, Tom.
Speaker 2: Oh and you know about this too, bo, Yes.
Speaker 11: Tom, Tom is Scott still on the air. I think
Speaker 11: go ahead, Scott, this is bo. You need to call
Speaker 11: your your your contractor comfort works and see if they
Speaker 11: installed an integrated electric element into your Mini split that'll
Speaker 11: supplement the heat pump. It's a strip elements, similar to
Speaker 11: like your toaster. I think that's yeah, some.
Speaker 2: Of them that That's what I was asking him for
Speaker 2: the model because some of them have it, like for example,
Speaker 2: the go ahead.
Speaker 8: I have a model number if you want it. But
Speaker 8: that's my whole problem. I've been calling this guy for
Speaker 8: a month and a half and he won't return a
Speaker 8: single phone call.
Speaker 2: Well, is it a Mitsubishi.
Speaker 8: Yeah, it's a Missabis looks like the part number is
Speaker 8: MS z GS two four inn a.
Speaker 2: Okay, you gotta phonetically do that MS like in liking
Speaker 2: Mike Sierra.
Speaker 12: Yeah, m is in Mike, as is in sausage, z
Speaker 12: as in Zebra, sausage, g as in green s as
Speaker 12: in sausage two four n as in Niagara Falls and
Speaker 12: in Alberta.
Speaker 2: Okay, I like sausage. Okay. Is it called do you
Speaker 2: know if it's called do you know if it's called
Speaker 2: the hyperhat?
Speaker 13: I have no idea. I just know it's a miss
Speaker 13: Abigi Electric. The guys were real nice when they installed it.
Speaker 13: I mean they were quick, they were efficient, and it
Speaker 13: works great up until he gets to that point.
Speaker 2: Okay, I would never listen. Listen carefully. Listen carefully, bro,
Speaker 2: I'm on their site. The Mitsubi MSZGS two A n
Speaker 2: A is not a cold climate heat pump. Okay, it's
Speaker 2: got a limited capacity, and uh, if you want the
Speaker 2: heating one, it's got to be a different one. Now
Speaker 2: here's what's going to be your argument. You're you're going
Speaker 2: to say it's defective, and it's not. They put in
Speaker 2: and you paid for what you got. Well, no it's not.
Speaker 8: I'm looking for a way to get it to not.
Speaker 2: What do you want?
Speaker 8: How can I keep this from happening?
Speaker 14: Well, you can't, I would like to.
Speaker 2: I guess, man, I don't know. Hold on, hold on,
Speaker 2: hold on. I am assuming that you're understanding me. You
Speaker 2: can't make something work that's not made for the intended purpose.
Speaker 2: You can't make it work to keep it from happening.
Speaker 13: When I didn't realize that this unit was not design
Speaker 13: for cold weather, when the students stallted, he told me,
Speaker 13: as you were just fine year round.
Speaker 2: And it okay, and in Colorado, it does most of
Speaker 2: the time. So your argument's going to be, should you
Speaker 2: have been sold it isn't inappropriate? But this is not
Speaker 2: an investment. I mean, the appropriateness doesn't really play into
Speaker 2: it if the consumer knowingly buys something and pays a
Speaker 2: fair price. Now, if you were misled, in other words,
Speaker 2: they told you it was the hyperheat model and it wasn't.
Speaker 2: But if you were sold that model number and pay
Speaker 2: the appropriate price for that model number, and you didn't
Speaker 2: pay for the high efficiency, then you got what you
Speaker 2: paid for and it's working about nine or ninety five
Speaker 2: percent of the time. Scott, there is no answer to this.
Speaker 2: There isn't. I mean, I don't know if they would,
Speaker 2: out of courtesy upgrade you, But what are you expecting
Speaker 2: them to do. They can't make it work better. It's
Speaker 2: designed for what it does.
Speaker 8: I did not realize it was not designed for cold
Speaker 8: weather until you just told me, to be honest.
Speaker 2: Not designed for extreme It's not designed for extreme cold weather.
Speaker 2: Now I would complain. You said, the dude this is
Speaker 2: a company. Is the company made up of a number
Speaker 2: of dudes or is it one dude that owns it?
Speaker 8: I think it's like I don't want to see a
Speaker 8: mom in poss. But I know there's a guy that
Speaker 8: owns it and he's got to do that helps them.
Speaker 8: And I don't know of anyone else. But I've only
Speaker 8: met those two.
Speaker 2: I've only spoken with him, did you ever? Okay, they
Speaker 2: won't return your call, right, okay?
Speaker 9: Bo.
Speaker 2: What I would like you to do is call them,
Speaker 2: Bo call.
Speaker 11: I will, and I'll give them the model, go ahead.
Speaker 2: Yeah, and ask them if they think it's appropriate that
Speaker 2: it was sold. Do they feel any obligation to help
Speaker 2: upgrade them?
Speaker 11: Tom, You're right, it's not the correct unit for this
Speaker 11: climate with our low cabin.
Speaker 3: It's not.
Speaker 11: It's not and it may need to just be changed out.
Speaker 11: I don't think you can add a supplemental strip eating
Speaker 11: to that model.
Speaker 2: No, you can't. It's not made for it.
Speaker 11: Scott will call the contractor for you.
Speaker 2: See what now, Sus? Did we get? Is Brian Burns around?
Speaker 4: I can check?
Speaker 2: Hang on a minute, Yeah. I want to try to
Speaker 2: get them after the break to talk with John Fullern
Speaker 2: me about some things I'm seeing on Instagram and TikTok.
Speaker 2: And I want somebody to look into it because I'm
Speaker 2: so tired of it. I am so tired of it,
Speaker 2: and I really want to look into it. Three oh
Speaker 2: three seven to one three talk seven one three eight
Speaker 2: two five.
Speaker 6: Necessairly in that order.
Speaker 2: I'm Tom Martine. You're a troubleshooter. I got Brian Burns
Speaker 2: up from Compass Insurance. By the way, they're the home
Speaker 2: of the free insurance checkups always three h three nine
Speaker 2: nine six nine thousand. Brian, I don't know if you've
Speaker 2: ever been asked this question. And John Fuller, our personal
Speaker 2: injury attorney, as well, I don't know if you've ever
Speaker 2: been asked this, but I'm getting tired of seeing it.
Speaker 2: I look every now and then on TikTok and most
Speaker 2: more so on Instagram, and what I'm seeing are these
Speaker 2: short VIDs on Okay. One of them is a guy
Speaker 2: in a sharkskin suit standing next to a McLaren and
Speaker 2: in the driveway's a g wagon and a woman comes
Speaker 2: up and says, man, that's a really wonderful, beautiful cards,
Speaker 2: so thank you appreciate it. What do you do for
Speaker 2: a living. I'm in real estate. Man. That must be
Speaker 2: expensive to maintain a car like this. What is the
Speaker 2: cost to ensure he says, let's see for this car
Speaker 2: and the g Wagon over there, they're forty five dollars
Speaker 2: each month. And she said no way. He says, yes,
Speaker 2: there's a little known secret in auto, in the auto industry,
Speaker 2: and everybody is cheated. Now, then mister Wonderful did a
Speaker 2: commercial on TikTok turned the insurance industry on its ear,
Speaker 2: saying that most people are paying ten times what they
Speaker 2: should for car insurance. And then I think his name
Speaker 2: was mister Wonderful and then from the Shark Tank, and
Speaker 2: then I see countless ads. Now, Brian, I don't know,
Speaker 2: or John, do you guys look at TikTok or Instagram
Speaker 2: at all any of those VIDs ever?
Speaker 6: Rare?
Speaker 2: I don't, Okay, so you don't. You have not seen
Speaker 2: these ads? And they say base. Basically, what they're saying
Speaker 2: is everyone is getting cheated everyone, And I'm going to
Speaker 2: try to bring one up if I can. But they
Speaker 2: say everyone is being cheated. But do you know what
Speaker 2: they're talking about?
Speaker 15: Well, I've never even seen it, so but I'm taking it.
Speaker 15: They don't offer a solution out of this. It's not well,
Speaker 15: you know, it's no they sure.
Speaker 2: Do, they sure do. No, no, hey, hey, hey, hey,
Speaker 2: they they do offer they say, check out, you know,
Speaker 2: check it out this link. Hit this link. Obviously I
Speaker 2: never hit it. I guess I should before I open
Speaker 2: my mouth. But so I don't know. I can't believe
Speaker 2: there must be people listening that have seen these ads
Speaker 2: on tick. Do you see them all the time saying
Speaker 2: that you're paying too much? You're paying too much And
Speaker 2: I'm trying to find one right now, and I might
Speaker 2: try to find one during the break, So you have
Speaker 2: not heard of them, and they obviously if this guy
Speaker 2: is saying he's paying forty five dollars a month on
Speaker 2: a McLaren, he's a liar.
Speaker 15: Right, It's not true. So I mean that's I mean,
Speaker 15: there's all sorts of clickbait like that. Also, I'm sure
Speaker 15: you can find where it says if you do this,
Speaker 15: you know, you'll lose one hundred pounds by you know,
Speaker 15: in the next month by simply you know, following, or you.
Speaker 2: Can or you can grow hair, right they you know,
Speaker 2: the growing hair thing. But there seems to be a
Speaker 2: plethora lately of these car insurance adds, specifically, not house insurance,
Speaker 2: but car insurance anyway, So I am curious and again,
Speaker 2: if I find it. Brian I'm going to run it
Speaker 2: by you, but right now, are what's going on with
Speaker 2: insurance right now? Are all rates just going up, up, up,
Speaker 2: up up, Like when they have problems with the housing market,
Speaker 2: the casualty property casualty market, do they pass along losses
Speaker 2: to the auto department? I mean, do all the rates
Speaker 2: go up or do they keep them independent?
Speaker 15: No, they're more independent. I mean, not that you couldn't
Speaker 15: see some overflow, but for the most part, it's pretty independent.
Speaker 15: As a matter of fact, I just met with a
Speaker 15: carrier that was talking about the fact they're taking a
Speaker 15: rate decrease on auto now certainly not on home in Colorado,
Speaker 15: but on auto. So that tells me it's pretty independent.
Speaker 15: So you know, I don't foresee a huge rate increase
Speaker 15: on auto this year.
Speaker 2: Okay, all right, John Fuller, have you seen have you
Speaker 2: seen any of those come ons for low priced car insurance?
Speaker 6: No, I've not seen those. But let me touch on
Speaker 6: that issue you guys just chatted about. I mean, I look,
Speaker 6: Brian knows firsthand about rates here in Colorado and stuff.
Speaker 6: But here's what I do see, and here's what I
Speaker 6: am concerned about. We just had massive fires in California.
Speaker 6: You know, we've had We've had huge fires in Colorado,
Speaker 6: We've had massive hail seasons. I mean, sometimes we have
Speaker 6: no natural you know, we have hurricanes in Florida and
Speaker 6: up through Georgia and North Carolina and all that. I mean,
Speaker 6: these insurance companies are getting just walloped this year in
Speaker 6: property and casualty claims. And I can tell you that
Speaker 6: when that kind of stuff happens, the collateral consequence is
Speaker 6: that these insurance companies get very very very stingy with
Speaker 6: the money they go in to protect their home turf mode,
Speaker 6: and they don't want to pay any claims out unless
Speaker 6: they're forced to do so.
Speaker 2: So it of course all of us.
Speaker 6: You know, I remember when you know, the State Farm
Speaker 6: had such a huge exposure when the big hurricanes came
Speaker 6: into New Orleans, you know, many years ago, and I
Speaker 6: mean we didn't I don't think we got a single
Speaker 6: case settled with State Farm for about a year or
Speaker 6: a year and a half that didn't require litigation, even
Speaker 6: though they were completely legitimate cases. The adjusters just had
Speaker 6: no authority to settle those cases, and so we ended
Speaker 6: up having and the file everything. So it definitely affects them.
Speaker 6: They may be local and setting their rates based on
Speaker 6: their exposure. But they are national companies and these big, huge,
Speaker 6: you know, disasters definitely hit the bottom line.
Speaker 2: Brian, what do you think?
Speaker 15: Oh, yeah, no, I and I specifically agree. I agree
Speaker 15: with you specifically on the property side, because there's been
Speaker 15: so many you know, people will often ask why haven't
Speaker 15: had a claim? You know, why am I Why are
Speaker 15: my rates going up? And you know, I say, well,
Speaker 15: if you get ten people in the room, you know,
Speaker 15: I'll promise you probably seven of them have had a claim.
Speaker 15: And that's the reason it spreads out. But as far
Speaker 15: as how they pay out, John obviously deals with that
Speaker 15: side of it more. I do see a difference in
Speaker 15: carriers on how they pay out. Certain carriers seem to
Speaker 15: pay out much easier than others. But no doubt that
Speaker 15: when a carrier has an enormous amount of losses, it
Speaker 15: doesn't surprise me at all. They're they become tighter on
Speaker 15: their ability to pay out.
Speaker 7: But my hope is that, uh.
Speaker 15: You know, we can also help if something is legitimate
Speaker 15: claim and it seems uh pretty much no brainer. We
Speaker 15: usually have pretty good success of getting involved if we
Speaker 15: need to.
Speaker 2: Okay, so we have more coming up. I I just
Speaker 2: want to take uh this real quick thing here. Bob
Speaker 2: Uh from lam Landscaping, he has a comment. Go ahead,
Speaker 2: Bob hey, tom so that.
Speaker 16: I'm serious thing you're talking about. There's like five of them,
Speaker 16: but every one of them says the exact same thing.
Speaker 16: And what they say is is your payments blah blah
Speaker 16: blah blah blah. And they're blaming it on the agents.
Speaker 16: What they're saying is and I call it, it's just
Speaker 16: a blissiting to your number. They're saying that the agents
Speaker 16: make fifty percent of all your all all your payments
Speaker 16: and that's why your insurance is so high. And Anon,
Speaker 16: one of them says the same thing. I'm for sure
Speaker 16: that's the same company US in five different advertisements. But
Speaker 16: that's how it is. And then when you call them,
Speaker 16: they just send you off the summer, you know, like
Speaker 16: a different insurance time to try to quote your insurance.
Speaker 16: It's a bogus thing.
Speaker 2: And and and they claim they claim if you go
Speaker 2: they claim, if you go direct, you're gonna save a
Speaker 2: crapload of money.
Speaker 17: Yeah see us.
Speaker 18: Do you know me?
Speaker 16: I watched some of these things for you, and I
Speaker 16: saw that the other day and I'm like, okay, I'm
Speaker 16: gonna call it. It's just a way for them to
Speaker 16: get to you another insurance covers right to the.
Speaker 2: Quote that's all, and it never and it never, and
Speaker 2: then I then I'd like to say, well, wait a minute,
Speaker 2: where's that forty five dollars a month come in? You know?
Speaker 2: I wonder if they could ever quote that. I want
Speaker 2: to talk to Brian about commissions and stuff, and I
Speaker 2: want to dispel a lot of the myths about insurance.
Speaker 2: Coming up, I'm Tom Martine, Thank you, Bob. We have
Speaker 2: more coming up. Three or three seven one three talks
Speaker 2: seven one three eight two five five. By the way,
Speaker 2: I want to remind you eight eight eight heating dot com.
Speaker 2: Put that to the test. They say the lowest price
Speaker 2: on high efficiency units, including high efficiency mini splits. That's
Speaker 2: eight eight eight heating dot Com. My friends Garrett and
Speaker 2: his team three oh three seven seven zero two seven
Speaker 2: seven six. Hey Tom Martino, your troubleshooter. Three oh three
Speaker 2: seven one three talk seven one three eight two five five.
Speaker 2: So some other people are texting me about those TikTok
Speaker 2: and Instagram as they got suckered in, and really all
Speaker 2: it is is their aggregating leads and giving quotes. But Brian, Yep,
Speaker 2: there's no way that an agent makes fifty percent of
Speaker 2: the premium, is there.
Speaker 3: No.
Speaker 15: I would love to know the carrier that would pay
Speaker 15: that on average what you'd find, I would love it,
Speaker 15: but it would be uh ten is what you'd normally find.
Speaker 2: Yeah, and you don't save going I don't know why
Speaker 2: people think that.
Speaker 15: Now there you get the same exact rate if you
Speaker 15: were to go direct, But there's a lot of carriers
Speaker 15: that won't even offer a direct rate like that. They
Speaker 15: require you go through an agent. So you know, it
Speaker 15: makes no sense to do the work yourself because it
Speaker 15: is work having to shop through all those make sure
Speaker 15: coverages are the same or there's endorsements that are missing.
Speaker 15: But then on the flip side, I don't know why
Speaker 15: people go to a captive agent because they go to
Speaker 15: the one company hoping that's going to be the best option,
Speaker 15: and you know the chance of that being is very slim.
Speaker 2: Okay, thank you, Brian. Compass insurance three h three nine
Speaker 2: nine six nine thousand, and they do insurance checkups every day,
Speaker 2: so I appreciate that. Brian. Now here's what I want
Speaker 2: to tell you. Jr. Texted me a picture. He says,
Speaker 2: they're showing up all over JR. Believe it or not,
Speaker 2: You're not the only one that told me this. There's
Speaker 2: signs on various facilities and they say Colorado, Uh. Something
Speaker 2: at the top has cut off immigrants, no mass deportations
Speaker 2: and it says report suspected ICE activity and it gives
Speaker 2: a number where you can report ICE, know your rights,
Speaker 2: And so it's some group for illegal immigration protection. I
Speaker 2: just have to say this. I know I wish Major
Speaker 2: Mark Mouth Major was on the on the mic right now,
Speaker 2: but he's not in the studio just yet. But how
Speaker 2: do you come down in favor of illegal immigration front?
Speaker 2: And because the people they're targeting right now are people
Speaker 2: who are in the country illegally and have committed crimes
Speaker 2: or have a criminal record, how does anyone in their
Speaker 2: right mind come down in favor of leaving them alone?
Speaker 2: Where do you justify this?
Speaker 5: Then?
Speaker 2: I heard AOC that congresswoman who's half crazy do a
Speaker 2: video talking about how the United States is taking a
Speaker 2: black eye because billionaire Elon Musk and President Trump are
Speaker 2: running amok, drying up charity and humanitarian causes all over
Speaker 2: the world. If you read some of the things being
Speaker 2: cut by Doge. If you read them, you would be shocked.
Speaker 2: They're not taking baby milk formula, baby formula out of nurseries.
Speaker 2: They're stopping the most ridiculous crap you have ever seen
Speaker 2: in your life. And do you know that they have
Speaker 2: found on the roles hundreds and hundreds of people one
Speaker 2: hundred and fifty years or older collecting social security? Do
Speaker 2: you know that? Did you ever see that TV series Shameless?
Speaker 3: Oh?
Speaker 2: Yeah, they were collecting. They were collecting classic show. Oh
Speaker 2: my god, they were collecting social security, unemployment every government
Speaker 2: doled out check. They were getting it all from US eight. No,
Speaker 2: they know because US eight is for foreign people or
Speaker 2: for foreign countries, not for here. But but it reminds
Speaker 2: you of Shameless. I swear to god, they are just
Speaker 2: unbelievable and how this is what I don't understand. And
Speaker 2: I wish anybody just had the nerve to call me,
Speaker 2: and I promise you the utmost respect. I will listen
Speaker 2: to you. How do you come down against what they're doing?
Speaker 3: So far?
Speaker 2: Fifty billion dollars a day being saved? What are you
Speaker 2: kidding me? How can anyone be against it?
Speaker 3: Listen?
Speaker 2: This is not political, it's economic. Why do you want
Speaker 2: to support useless bs all over the planet. I mean,
Speaker 2: did you know that that news organization, and I don't
Speaker 2: know if it's the only one, Politico was actually being subsidized.
Speaker 2: Their subscriptions were being subsidized because their subscriptions they lose
Speaker 2: on every subscription. Now where the hell? And then Politico
Speaker 2: would write good things about the White House when it
Speaker 2: was Democrat and they were being subsidized by USAID, And
Speaker 2: there were other private media organizations being supported in the effort.
Speaker 2: What they say is to equalize the voices. Who please
Speaker 2: call me. I promise you you will get priority. Call
Speaker 2: me and justify it. We have more coming up on
Speaker 2: the Troubleshooter Show.
Speaker 1: Ripped off bad news, You need advice, who.
Speaker 3: You don't have the come running just as fast as
Speaker 3: we can show.
Speaker 4: Shooter's gonna help.
Speaker 3: Come man.
Speaker 5: This is the Troubleshooter Show.
Speaker 10: No Tom Martine, Welcome, Welcome my friends to the only
Speaker 10: and I mean that the only show of It's guy
Speaker 10: and we are here to solve problems, answer questions, take complaints.
Speaker 10: Our goal in life is to make your life just
Speaker 10: a little bit better. If we can help recoup money.
Speaker 10: Maybe from a contractor that oki dokya, Maybe from some
Speaker 10: kind of dentist that didn't do the right thing. Maybe
Speaker 10: from a landlord, uh, trying to put the screws to
Speaker 10: you by not fixing your furnace on a cold night.
Speaker 10: That's what the show's about. The phone number is so easy.
Speaker 10: I love this phone number. Three oh three Martino. That
Speaker 10: number works on and off the year. Please tell your friends,
Speaker 10: your family, anybody that needs help. Hell, tap the person
Speaker 10: on the shoulder in the grocery store and tell them, Hey,
Speaker 10: if you ever need help, three to zho three Martino,
Speaker 10: or you can email him at help at troubleshooter dot com.
Speaker 10: I'm sure they'll find that a little strange, but what
Speaker 10: the hell? Hey joining me today? Of course John Fuller,
Speaker 10: Personal injury CEO dot com. Not only is John basically
Speaker 10: a co host and fills in for Tom and myself
Speaker 10: here on the show, but he's also my attorney, my
Speaker 10: personal injury attorney. And on top of that, we have
Speaker 10: to Deputy's deputy docs in studio and Deputy Bow. What
Speaker 10: are you guys up to?
Speaker 11: Just hanging out trying to stay warm? I do have
Speaker 11: a small update from last year.
Speaker 10: So I got it when I walk in the studio
Speaker 10: and I look over there, and that damn thing's on three.
Speaker 10: Who put it on three?
Speaker 11: It was on six when we came in. By no,
Speaker 11: I turned it down.
Speaker 10: I feel like I'm the only person in the world
Speaker 10: that has normal skin temperature. If anybody walked into the studio,
Speaker 10: it's like one hundred and five degrees. It's a sna
Speaker 10: in here.
Speaker 11: Blame Michael Brown, not us.
Speaker 10: John Fuller, what's going on with you, sir?
Speaker 6: Just living the dream?
Speaker 3: Then?
Speaker 10: Yeah, you're living the dream. I bet you're in better weather,
Speaker 10: aren't you don't why just a little bit?
Speaker 3: Yeah?
Speaker 10: Yeah, I know, kid. Where are you at today, Florida?
Speaker 6: I am in Florida?
Speaker 3: Yep.
Speaker 10: You guys, you're getting You had some hurricane damage and
Speaker 10: some other stuff you're still dealing with. I assume we are.
Speaker 6: We are. We're getting to the end of it though,
Speaker 6: but it just takes a lot of hands on stuff,
Speaker 6: and you know, we're very fortunate. A lot of people
Speaker 6: are still are still dealing with, you know, that storm
Speaker 6: damage as if it happened just yesterday.
Speaker 10: I was going to ask you that, you know, they
Speaker 10: talk a lot. What was at South Carolina and North
Speaker 10: Carolina one of them where you know, there was people
Speaker 10: living in tents. They got like, you know, seven hundred
Speaker 10: and fifty bucks. You know, it became a whole political
Speaker 10: thing as well. But generally speaking, I mean, my god,
Speaker 10: you know what I'm answering my own question. As you know,
Speaker 10: we've been looking for a place out in sly Dell,
Speaker 10: out around New Orleans. And when you drive from the
Speaker 10: airport across any of the bridges over to the Slydell
Speaker 10: area or across the lake patcha train. I got to
Speaker 10: tell you, man, there's apartment complexes that got hit by
Speaker 10: Katrina that are completely completely just in shambles. No one
Speaker 10: has lived there for twenty years. There's homes where there's
Speaker 10: still tarps on the roofs. It looks like the damn
Speaker 10: thing hit six seven months ago. But generally speaking, in
Speaker 10: nicer areas, I mean, when something goes through say Miami,
Speaker 10: like a hurricane, and there's some damage or in the
Speaker 10: keys somewhere like that, what generally happens is everything rebuilt
Speaker 10: within a couple years.
Speaker 6: Well, ITAs, it takes every bit of that. I mean,
Speaker 6: you know, like I've told you a million times, here's
Speaker 6: the deal, you don't know what you don't know, okay,
Speaker 6: And what happens when you have one of these big
Speaker 6: storms is the damage is so extensive that everywhere you
Speaker 6: turn there's just destruction. And then we have to start rebuilding.
Speaker 6: So the area that you that got hit in this
Speaker 6: last round of hurricanes Helene and Milton, what you've got it?
Speaker 6: I mean that happened in October. It's now middle of February,
Speaker 6: and these people are still waiting to try to get
Speaker 6: permits to even start rebuilding their home. And you might say, well,
Speaker 6: how could that possibly be. Well, here's the deal. They're
Speaker 6: not allowed to rebuild their home at all if the
Speaker 6: damage is over a certain threshold. And literally they haven't
Speaker 6: heard from the federal government yet about whether or not
Speaker 6: that house's damage is over that threshold. And so the
Speaker 6: people are just in this catch twenty two where they
Speaker 6: can't rebuild because they can't get permits, and yet they
Speaker 6: can't live in their home because it's been destroyed. And
Speaker 6: now we're going on months and months and it's just crazy.
Speaker 10: So well, the same thing, John, the same things kind
Speaker 10: of going on in California with the fires.
Speaker 6: Truly it is, Yeah, it doesn't matter where it is,
Speaker 6: that's the same thing you've got. You've got this intersection
Speaker 6: of insurance, of federal regulations, of local building departments, and
Speaker 6: you've got a massive shortage of contractors and materials and
Speaker 6: tradesmen and everything. You know, with the perfect storm.
Speaker 10: We've talked about it so much. Those California fires are
Speaker 10: way worse than what the Boulder fires were. I mean,
Speaker 10: if you lived through something like that, it's just bad.
Speaker 6: In the middle of the Boulder Urine area, I'll exactly
Speaker 6: the same.
Speaker 10: But well, that's right, but I'm saying it affected a
Speaker 10: lot more dollars in California. But here's what blew me away.
Speaker 10: Almost everybody it was like ninety eight percent. We're all
Speaker 10: under insured. And you just touched on one of the
Speaker 10: big reasons why when there's something devastating like that, the
Speaker 10: contractors they can start charging more. The supplies run low,
Speaker 10: they can start charging more. The insurance goes up, so everybody,
Speaker 10: everybody ends up under insured, even if you did have
Speaker 10: the correct amount of insurance before that happened.
Speaker 6: Yeah, you're right, I mean, but though the lesson of
Speaker 6: voter was that, you know, listen, we've all gone through
Speaker 6: this area or this this timeframe when when the real
Speaker 6: estate market was going up. We see it in this
Speaker 6: property tax debacle that we've got where all of a sudden,
Speaker 6: you know, your property values have doubled over the last yeah,
Speaker 6: you know, five or six years, and then the taxes
Speaker 6: go up accordingly, and people, you know, cry foul as
Speaker 6: if there's something wrong with that. But the real problem
Speaker 6: is when you insured your home at four hundred thousand
Speaker 6: dollars and then all of a sudden it's worth six
Speaker 6: or seven, which carries time to rebuild it, you don't
Speaker 6: have enough insurance.
Speaker 10: No in fact, so you could literally be upside down,
Speaker 10: not be able to rebuild, and still have a mortgage
Speaker 10: payment for twenty five hours.
Speaker 6: Venture to guess that half of the people up in
Speaker 6: Lewisville and Voter were in exactly that situation.
Speaker 10: And that's why it's important. You know, we talk about
Speaker 10: compass insurance a lot, and I think they were on
Speaker 10: last hour. But the bottom line is if you haven't
Speaker 10: checked to see if you have the proper coverage. And
Speaker 10: I mean that like just like John said, think about it.
Speaker 10: If you bought your house ten fifteen years ago and
Speaker 10: you have not looked at the value of your house
Speaker 10: in a while, you could be so underinsured it's crazy.
Speaker 10: And let me tell you the insurance companies, especially if
Speaker 10: you're around a fire zone, they don't care. In fact,
Speaker 10: they're the ones that make out in it because you
Speaker 10: have a maximum payout of say four or five hundred,
Speaker 10: and you can't rebuild that piece of property for less
Speaker 10: than eight nine hundred thousand. It's crazy. Hey, Tom, what
Speaker 10: is your comment on Doze?
Speaker 19: A great show as usual? The comment really is, can
Speaker 19: we agree that we've got a president that's been a
Speaker 19: little loose with the truth in the last few years?
Speaker 10: No, you mean you don't? You mean Trump or you
Speaker 10: mean Biden?
Speaker 19: I mean Trump?
Speaker 2: Well?
Speaker 10: Okay, Well, how has he been loose in the screws?
Speaker 19: Loose in the truth?
Speaker 10: Loose in the truth? How would that be? What has
Speaker 10: he said that's not true?
Speaker 3: Tom?
Speaker 10: Are you homeless? I'm just curious.
Speaker 19: No, I'm not homeless.
Speaker 10: All right, go ahead, how's he loose?
Speaker 19: Well, I'll get to the point.
Speaker 10: Yeah, no, Actually, why don't you start with exactly what
Speaker 10: you said? Give me an idea, what is that? I
Speaker 10: have not seen a president in at least four years
Speaker 10: that actually talks to the press every day answers questions,
Speaker 10: tells you exactly what he's thinking of and has done
Speaker 10: so many good things in a short time. I just
Speaker 10: have never seen it. So I want to know how
Speaker 10: he's loose in the screws.
Speaker 19: I'm sorry, it's not loose in the screws. It's loose
Speaker 19: with the truth.
Speaker 10: Okay, loose with the truth. How what is he said?
Speaker 10: That's not true?
Speaker 19: Well, we'll take the dose thing he had said first,
Speaker 19: That was said there was fifty million dollars used for
Speaker 19: condoms to Hamas. Trump repeated that and said there was
Speaker 19: one hundred million dollars lost by giving condoms.
Speaker 10: To who cares? Who cares? What the hell is the
Speaker 10: damn difference? What the what the hell is it difference?
Speaker 10: Fifty or one hundred million in condoms.
Speaker 6: For hony condoms would have been an appropriate number to
Speaker 6: send to Hamas.
Speaker 10: How about if it was ten I don't even care
Speaker 10: if it was ten dollars? Who cares?
Speaker 2: Pop me up?
Speaker 10: Is this guy defending the guy is saying Trump is
Speaker 10: loose with the truth, Tom, I mean, it's crazy. Instead
Speaker 10: of what about the people who are one hundred and
Speaker 10: fifty years old?
Speaker 2: What about the people on Social Security? Are over one
Speaker 2: hundred and fifty years old. You all for that?
Speaker 19: Well, is that anecdotal or have you seen the actual
Speaker 19: proof of names and numbers?
Speaker 2: It's just well, no, I haven't seen the actual proof.
Speaker 6: So Tom, Okay, Well Tom, just like, let me get
Speaker 6: this ice rate of an elementary school.
Speaker 2: No, you have not, Tom, I'm asking Tom. I'm asking
Speaker 2: a simple question, seriously, and I promised I would give
Speaker 2: you your say. So are you saying that every dime
Speaker 2: they're claiming to save, they're lying about it, that it
Speaker 2: didn't exist, and it does exist? So government waste does exist.
Speaker 2: Are they helping getting are they helping to get rid
Speaker 2: of it? That?
Speaker 19: I could not tell you for sure until I see
Speaker 19: accurate and verifiable number.
Speaker 10: Tom. No one's going to show you anything. It's just
Speaker 10: not going to happen. You're either going to have to
Speaker 10: trust you.
Speaker 2: No, No, what would be Tom? What would be an
Speaker 2: accurate and verifiable number on the Republican side, Because you
Speaker 2: seem to take everything on the Democratic side at face value?
Speaker 2: So tell me what what constitutes for you? And I
Speaker 2: know what Tom's saying. Tom's saying, Look, if they were
Speaker 2: really saving money, I'm all for it, But I don't believe.
Speaker 10: I think they're exaggerating, and I want to see proof.
Speaker 10: I don't agree with you, Tom, I bet, I mean Martino.
Speaker 10: I think what Tom is saying is stuff like this.
Speaker 10: I don't think we should get rid of the Education Department. Tom.
Speaker 10: If that would save us money, should we get rid
Speaker 10: of it and gut it?
Speaker 19: No, I don't believe.
Speaker 10: It doesn't matter what Tom. He's got a theory in
Speaker 10: his mind how this country should run, so it has
Speaker 10: many can do with saving money. Okay, I want to
Speaker 10: go back to Look, that's Tom.
Speaker 2: Tom. You might have disagreement on whether offices should be
Speaker 2: open or closure, what they should do, but what I'm asking,
Speaker 2: in basic common sense is what can what it constitutes
Speaker 2: verifiable information on the waste they're.
Speaker 19: Cutting an audit by a Commerce Department official.
Speaker 2: Okay, do you understand that the Oversight Community the office
Speaker 2: of a the the the there is an office of
Speaker 2: the federal government that's supposed to be doing what DOGE
Speaker 2: is doing. They're actually a target of DOGE. So they
Speaker 2: wouldn't actually probably be credible to audit themselves, would they?
Speaker 7: Oh?
Speaker 19: Probably not, but you know they expector generals were fired
Speaker 19: pretty much across the board and that was their job
Speaker 19: and they're gone now.
Speaker 2: So you don't approve, So you basically don't approve or
Speaker 2: don't believe we're saving all of this money.
Speaker 19: I just want an audit, uh, you know, the condom thing,
Speaker 19: the gross amounts that they say the I would like
Speaker 19: to see some type of verification because these people are
Speaker 19: justifying their jobs of cutting this and I you know,
Speaker 19: would like some you know, real numbers or at least
Speaker 19: some something to lean on other than anecdotes.
Speaker 10: Okay, how do you argue with that?
Speaker 2: So you think they're just like I know what he's saying.
Speaker 2: He's saying they're searching for headlines and they're not really
Speaker 2: doing what they say.
Speaker 10: Okay, well no, what do you know what he's saying
Speaker 10: is I don't believe the damn word Eline or Trump
Speaker 10: or anybody says. That's what he's saying. And there's no
Speaker 10: way to fix stupid.
Speaker 2: Now, now, I went, hold on, I want to verify it.
Speaker 19: Hold On, bro, I don't doubt.
Speaker 2: Can I tell you something. You're gonna have to do
Speaker 2: a little research, But I got something for you. Seriously, Tom,
Speaker 2: and again, Mark, I don't mind you. I don't mind
Speaker 2: you dogging on people when they call. I don't mind
Speaker 2: it at all. It's your opinion. But I did tell
Speaker 2: them if they called in disagreement and that they feel,
Speaker 2: I want to hear I want to hear them out.
Speaker 2: So here's what here's here's what I'm seeing. I'm seeing
Speaker 2: verifiable information on AI that gives you the links support
Speaker 2: for persecuted communities. They were giving money to Yazidi communities
Speaker 2: in Iraq essential for rebuilding, water, electricity, healthcare and education.
Speaker 2: That's been totally cut. They had healthcare in Syria and
Speaker 2: that was for uh They suspended all of that and
Speaker 2: AIDS programs. Now people might disagree with it. Agricultural research
Speaker 2: was halted in a network of research laboratories around the world.
Speaker 2: Global health programs again for AIDS, and all of these
Speaker 2: uh UH for for HIV mainly child health and nutrition.
Speaker 2: Four billion has been cut. These funds were supposedly combating
Speaker 2: malaria HIV to regulus. Again, this is AI which is
Speaker 2: going to have a bend toward them. USA cuts too.
Speaker 2: They had transgender studies in whatever this country is, I
Speaker 2: can't pronounce it, and advancing LBGYQ in the Arab countries,
Speaker 2: advancing the cause for and what they say is for
Speaker 2: humanitarian purposes. In other words, they I guess they feel
Speaker 2: like they're being persecuted. And so there's millions of dollars
Speaker 2: going there. There were hundreds and hundreds of people cut
Speaker 2: from social security that were dead. So you know, here's
Speaker 2: an easy thing to do, Tom, just call up and
Speaker 2: keep denying and say no, that's not true, that's not true.
Speaker 2: That's not true. So I don't know what. I don't
Speaker 2: know how to combat it, but do some research. I
Speaker 2: got to take a break on Tom Martino. More coming up, Hi,
Speaker 2: Tom Martino. You're a troubleshooter. Three three seven one three
Speaker 2: talk seven one three eight two five five. So, man,
Speaker 2: the world has changed, hasn't it. A lot of people
Speaker 2: aren'thappy about it. I say, it is what it is.
Speaker 2: The pendulum always swings, always back and forth it does.
Speaker 2: This country is good that way it goes. Maybe it's
Speaker 2: been going too far to left, too far to the right.
Speaker 2: Maybe we have another comment on DOJE Department of Government Efficiency.
Speaker 2: And really I made the comment that I don't know
Speaker 2: how people don't want to route out waste. And when
Speaker 2: I hear AOC, it's as if we are the most
Speaker 2: evil people in the world defending programs that seem ridiculous. Now,
Speaker 2: you know, you might want to argue on some of
Speaker 2: these child healthcare programs, thinking, come on, you know these
Speaker 2: kids need help. But not only did they cut the programs,
Speaker 2: but they could find no trails that the money was
Speaker 2: going where it was supposed to go. Do you know
Speaker 2: that in the Ukraine? I swear to God there is
Speaker 2: so much money missing that Zelenski even says we didn't
Speaker 2: get any of that money. Where did it go? I mean,
Speaker 2: think about that, God, I mean, they just billions just
Speaker 2: go disappearing. Ralph, go ahead, you can have your say
Speaker 2: on this. I'm not going to interfere. What do you
Speaker 2: have to say about doj.
Speaker 7: Hey, you guys really attacked Tom there. I didn't think
Speaker 7: that was really appropriate and he was just trying to
Speaker 7: give his opinion.
Speaker 10: But maya, did you think I did?
Speaker 2: You think I attacked him? Roll? Seriously, do you think
Speaker 2: I did?
Speaker 7: You did not?
Speaker 2: You did it?
Speaker 7: Mark did?
Speaker 2: Though?
Speaker 7: Okay, I thought it was It was unacceptable that he
Speaker 7: did that, and he spewed his hate over the airways
Speaker 7: and I don't like that. And I listened to you
Speaker 7: guys every okay, okay, But what he was trying to
Speaker 7: say is Trump has been lying and he's not correcting himself.
Speaker 7: And even even Elon said in the White House that yes,
Speaker 7: he's gonna he's gonna say things that aren't true and
Speaker 7: that's just part of the system. There's been no money
Speaker 7: sent to a Moss for condoms, zero zero zero, not
Speaker 7: fifty million, not one hundred million, and Trump has not
Speaker 7: corrected that. So until he corrects that, that means he's
Speaker 7: lying to the American people to get a headline zero money.
Speaker 7: And also there's been no.
Speaker 2: No I you know what's funny about this, I've never
Speaker 2: heard about the condom thing to begin with, is this
Speaker 2: widely publicized where they're saying that this was one.
Speaker 7: Okay, that's the biggest thing he said, and that's what
Speaker 7: he keeps on saying again and again, and even yesterday
Speaker 7: he said it again. One hundred million, zero dollars are
Speaker 7: being sent to Hamas to begin with, and especially not
Speaker 7: fifty million for condoms. For so him saying that is
Speaker 7: to get people to lie to the American people. And
Speaker 7: that's the fact.
Speaker 20: Mark.
Speaker 7: You might not like that, but that is not a
Speaker 7: true statement, and that's not just mistakes Ralph.
Speaker 2: According according to Reuters, there's zero verifiable evidence that money
Speaker 2: has been spent for condoms anywhere, not just Toomas and
Speaker 2: there was no there there was no such program. Recent
Speaker 2: claim surface regarding this, however, nothing. It's been debunked by
Speaker 2: several fact checking organizations and not one dollar has been
Speaker 2: traced to Hamas or anywhere for condoms.
Speaker 6: So how many of the how many of the prior
Speaker 6: administration came out after the fact and said, yeah, you
Speaker 6: know what, you're right, Joe really was completely out of
Speaker 6: his mind and incapable of running the country and we
Speaker 6: live about that and we're really sorry and we shouldn't
Speaker 6: have done it, and we're going to do better going forward.
Speaker 6: How many of them did that?
Speaker 7: So why doesn't Trump be bigger than that and say
Speaker 7: I made a hun Come on, fake American people, you come.
Speaker 2: Yeah, but but John, John, I think Rolf has a point. No, Seriously,
Speaker 2: when a president off the cuff, when a president makes
Speaker 2: off the cuff comments, they're serious. When when he says, hey,
Speaker 2: you know, we're tired of this waist. We're sending one
Speaker 2: hundred million or billion or whatever whatever we're sending for
Speaker 2: condoms in Gaza and it's not true. He should say
Speaker 2: he most spoke. I mean, yeah, I agree.
Speaker 10: How did misspeak? In other words, how do you know
Speaker 10: that he knew he misspoke? The guy says, whatever's on
Speaker 10: his mind.
Speaker 7: Correct the record today then, because that's still the headline
Speaker 7: is about condoms.
Speaker 10: Oh my god, it is a double standard. You're talking
Speaker 10: on a double standard. Man. The Biden administration lied to
Speaker 10: us about that sucker for so long.
Speaker 2: It's unbelievable about everything. They've lied to us about everything.
Speaker 2: I mean, I'm still convinced. And I don't know if
Speaker 2: you are. I don't know where you are politically. I
Speaker 2: don't care.
Speaker 10: I just want to a hard guests.
Speaker 2: Do you believe well no, no, do you believe that
Speaker 2: Biden received millions of dollars from communist China?
Speaker 14: I have no idea.
Speaker 16: Show what's the facts.
Speaker 7: There's no facts on that. But we're talking about this.
Speaker 7: But you know something, he's not.
Speaker 2: The Princip's what's weird. We have That's what's weird. Can
Speaker 2: you prove White House is that a man called Can
Speaker 2: you prove that a man called Robert F. Kennedy is not?
Speaker 2: It is real? Can you prove it? Have you had
Speaker 2: do you have verifiable evidence?
Speaker 7: You're right, I guess we could go down this that
Speaker 7: we're actually into simulization, but we could also just be
Speaker 7: honest about this is their government waste, absolutely, So why
Speaker 7: do they have to say things that are not true?
Speaker 7: Like the condoms? This is their big selling point. It's
Speaker 7: not about anything else, it's it's it's about the condoms
Speaker 7: and about somebody who's.
Speaker 10: Got They called Trump hitler. They said we would never
Speaker 10: have a democracy again. They lied every five seconds. And
Speaker 10: you're getting stuck on this thing. And I bet we
Speaker 10: find out we did spend a lot of money on
Speaker 10: condom somewhere.
Speaker 2: That's the way it normally goes.
Speaker 10: How we spend money on tampon for the men's bathrooms.
Speaker 6: Yeah, it's kind of the way it goes. Though, is
Speaker 6: that you have to you have to understand that, you know,
Speaker 6: we have this this cycle over and over again, and
Speaker 6: and it just gets ridiculous. We hear from Trump that
Speaker 6: the trend de Aaragua issue is going on in Aurora
Speaker 6: and it's terrible, And we listened to ten days straight
Speaker 6: of Aurora and Denver telling them that that's completely wrong
Speaker 6: and that's absolutely untrue, and it never happened, and everything else,
Speaker 6: and that Trump's just a liar about all these issues.
Speaker 6: And then lo and behold they just lock up fifty
Speaker 6: of them, and and and it turns out yes they do,
Speaker 6: and they're condemning the buildings, and every single bit of
Speaker 6: that was true. So we just keep going in these
Speaker 6: circles and stuff. I think you just need to lighten
Speaker 6: up and not get hung up on this condom to
Speaker 6: hamas thing in general, the concept is the same, and
Speaker 6: we agree government and abuse is not acceptable and needs
Speaker 6: to be rooted out. If it turns out that we
Speaker 6: sent condoms to homage, that's wrong. If it turns out
Speaker 6: that we didn't, that doesn't mean that we don't have
Speaker 6: a problem.
Speaker 7: So you guys are supercritical. You guys are hypocritical, and
Speaker 7: you know you are.
Speaker 6: It is it absolutely is, Ralph.
Speaker 2: I get what you're saying. You're saying if you misstate
Speaker 2: and exaggerate, you should correct it. But I I got
Speaker 2: to tell you that goes for everyone in politics. Man.
Speaker 2: Have you ever heard Biden come out and say, by
Speaker 2: the way, and then correct something. Have you ever heard
Speaker 2: him ever? Yeah?
Speaker 7: And and the White House usually corrects and say he misspoke.
Speaker 7: This White House doesn't say that. He doesn't say he didn't.
Speaker 6: He didn't mean it.
Speaker 7: It's not true. It's not true.
Speaker 9: This is true.
Speaker 10: Well, truth to man, everybody you know, for him, Ralph,
Speaker 10: they didn't know what we can do. Hey, listen, man, Okay,
Speaker 10: now now that he got the popular voted, still not
Speaker 10: good enough for these Trump syndrome people. It'll never be
Speaker 10: good enough. Ever, it doesn't matter. Trump could cure cancer
Speaker 10: tomorrow and Ralph would complain about.
Speaker 2: Well, hold on, Ralph, may I ask you, Ralph, do
Speaker 2: you think the country is on the wrong track?
Speaker 7: Absolutely? Absolutely? And guess what. I've been in there. Do
Speaker 7: you think I've been in the state. Do you I've
Speaker 7: been in the state for sixty one years? By the way, do.
Speaker 2: You think that under Biden the country was in it?
Speaker 2: Do you think under Biden and the Democrats the country
Speaker 2: was in a better trajectory?
Speaker 7: Absolutely? The economy was booming. The conomy has never been better.
Speaker 10: Ever, Trump's derangement right there, How do you, honest to god,
Speaker 10: how do you argue I got to take a break?
Speaker 2: Hey, listen, Ralph, don't don't call me a hypocrite, and
Speaker 2: don't say it, and let you have your say, okay,
Speaker 2: three oh three seven one three talks seven on three
Speaker 2: eight two five five. You know Denverregen dot com is
Speaker 2: on my list for stem cell therapy and for hair regeneration.
Speaker 2: They do a great job and I'll never forget how
Speaker 2: they got me out of pain. They're really good. That's
Speaker 2: one aspect that I want to keep harping on Denverregen dot com.
Speaker 6: Trankly what he was doing?
Speaker 10: Hi, Tom Martino, Hey Tom Shannon. Shannon found a SoundBite
Speaker 10: from Trump. Listen to this man. This that Ralph, make
Speaker 10: sure you're listening please.
Speaker 2: It's from a Musk right.
Speaker 21: This is big nus for one hundred and two undred
Speaker 21: million dollars a year, serious, bunny, missus.
Speaker 3: Musk.
Speaker 18: You said on x that an example of the fruit
Speaker 18: that you have cited was fifty million dollars of condoms
Speaker 18: was sent to Gaza. But after fact check, this apparently
Speaker 18: Gaza in Mozambique and the program was to protect.
Speaker 4: Them against HIV.
Speaker 18: So can you correct these statements. It wasn't sent to
Speaker 18: hamas actually to us into Musambi, which makes sense why
Speaker 18: condoms was sent there.
Speaker 17: And how can we make sure that.
Speaker 18: All the statements that you said were correct, so we
Speaker 18: can't trust what you're saying.
Speaker 21: Well of courst well, some of the things that I
Speaker 21: say will be incorrect and should be corrected. So nobody's
Speaker 21: going to pad one thousands, I mean any you know,
Speaker 21: we will make mistakes, but will act quickly to correct
Speaker 21: any mistakes. So, you know, if the I'm not sure
Speaker 21: we should be sending fifty million dollars with the condoms anywhere. Frankly,
Speaker 21: I'm not sure that's something Americans would be really excited about.
Speaker 21: And that's really an enormous nuber of contents when you
Speaker 21: think about it. But you know, if it went to
Speaker 21: Mozavika Setagauza, I'm like, Okay, that's not as bad, but still,
Speaker 21: you know, why are we doing that?
Speaker 10: Well, how do you argue with that? They corrected it.
Speaker 10: The actual reporter that went and did the leg work
Speaker 10: to find out if it was real corrected them and
Speaker 10: said it was fifty million to whatever country. She kept saying,
Speaker 10: I've never and heard of it, But my god, I
Speaker 10: don't care once again what country it is, unless if
Speaker 10: it's our own country, Why the hell are we sending
Speaker 10: fifty million dollars in condoms to whatever beach community is
Speaker 10: talking about or whatever when we have people that fought
Speaker 10: in Vietnam and other wars on our streets homeless.
Speaker 2: By the way, just so you know, okay, the pricing
Speaker 2: on those condoms for the government, they bought one point
Speaker 2: sixty seven billion condoms.
Speaker 10: Well that's impossible time because according to rolf in caller Tom,
Speaker 10: they didn't even exist. It never happened. There was no condoms.
Speaker 2: They went to Mozambique, Adam and there were one billion
Speaker 2: up one point six.
Speaker 10: I'd like Tom or Ralph please call back. And now
Speaker 10: that you've heard that and you heard the reporter explain.
Speaker 6: This is exactly what happens every single time. You can
Speaker 6: change one little minute fact and it's like, oh okay,
Speaker 6: well maybe there was some truth in it. Yeah, but
Speaker 6: the original.
Speaker 10: Thing was a lie.
Speaker 2: It was all lies. It's just a lie.
Speaker 6: But it's like, yeah, but they talk, let's.
Speaker 2: Do And by the way, people really problems, questions, complaints,
Speaker 2: give us a call please three oh three seven to
Speaker 2: one three talk seven one three eight two five five. Hey, Paul,
Speaker 2: what is your comment?
Speaker 14: Yeah, I just wanted to comment on that person that
Speaker 14: was on the phone this minute ago. Uh, Tom, I
Speaker 14: guess it was Yeah, I only know a fairy tale
Speaker 14: world this to living in. But the comedy was not
Speaker 14: federal when Biden was in there.
Speaker 19: Period.
Speaker 9: I've been struggling every since.
Speaker 14: I'm making almost thirty bucks an hour and I'm still struggling.
Speaker 14: You know, it's it's it's ridiculous. You can't talk to
Speaker 14: these people. They're one side. You don't see their agenda.
Speaker 14: Then it's not right period.
Speaker 10: They hate the fact they're gutting the government. The federal
Speaker 10: government was never intended to be this big. We were
Speaker 10: never intended the entire world.
Speaker 2: You have to admit Trump is not doing one thing
Speaker 2: that he hasn't promised. I mean, it's not like it's
Speaker 2: a surprise. He campaigned on these very issues. He campaigned
Speaker 2: on every single issue he's doing. I mean, apparently the
Speaker 2: people wanted it. I mean, look, he's got the highest
Speaker 2: approval rating of of any recent presidents after election. You know,
Speaker 2: look at what was one of the first things Biden did.
Speaker 2: You remember one of the first major things he did.
Speaker 2: The boy got into office.
Speaker 10: The first thing he did was opened it up. Then
Speaker 10: they lied about it for four years.
Speaker 2: There was nothing things mark mark the border was one.
Speaker 2: The shutdown of the pipeline causing massive layoffs was another,
Speaker 2: and then the and then the withdrawal from Afghanistan that soldiers,
Speaker 2: and then and then the that is the sloppiest withdrawal,
Speaker 2: since I'm curious, Yellow, that is like the worst billions
Speaker 2: of dollars, billions of.
Speaker 10: Dollars of equipment least spent and equipment left.
Speaker 2: But people would justify it. That's the thing. People will justify.
Speaker 10: Then he he left and right not long ago, saying
Speaker 10: under his watch, not an American soldier died. I mean,
Speaker 10: how do you say that after that whole withdrawal. But nope,
Speaker 10: I didn't hear. I didn't hear wall for Tom talking
Speaker 10: about that one.
Speaker 2: All right, Now, hold on real quick, John Fuller. I
Speaker 2: got a text here, really seriously, they say that, I
Speaker 2: tell them, Well, let me do this after the break.
Speaker 2: I got this for John Fuller. After the break. I'm
Speaker 2: going to talk about the communication thing right after this. Hi,
Speaker 2: Tom Martino, your troubleshooter. Three zero three seven one three
Speaker 2: Talk seven one three eight two five five Man Lively Show.
Speaker 2: Today we got John Fuller with us, and I do
Speaker 2: have a question John. I do say this in the ads.
Speaker 2: I say, if you call John you can talk to
Speaker 2: him before you asking questions, and then afterwards you get
Speaker 2: a cell phone, you can call her text anytime. Somebody said,
Speaker 2: what do I mean if you don't have a cell
Speaker 2: phone up front and you give out the general number,
Speaker 2: how do you get to talk to John? Is he
Speaker 2: always available? Does he call you back? This was just
Speaker 2: a very practical question. They call that three oh three,
Speaker 2: five nine seven forty five hundred, So they say, I
Speaker 2: want to talk to John, I mean, because obviously you're
Speaker 2: not going to answer that phone, right John.
Speaker 6: Well, sometimes I do, but you know, as an example,
Speaker 6: right now, I'm on the radio, so I'm not answering
Speaker 6: the phone. If you call my office, you're going to
Speaker 6: get my capable staff. But I am always available. And
Speaker 6: if a client would you know, wants to visit with
Speaker 6: me about their case, We're going to get on the
Speaker 6: phone and chat. If if I need to give them
Speaker 6: a call back after, you know, after the show or something,
Speaker 6: I'll give them a call back. But it's not a secret.
Speaker 6: My cell number is always available. I'm avail in the office.
Speaker 6: But you know the point is that we are available.
Speaker 6: My whole staff is available. We answer the phone, we
Speaker 6: call people back, We rarely, actually rarely have to call
Speaker 6: people back. We're there to answer the calls.
Speaker 10: So am I understanding if someone calls you at three am?
Speaker 10: This is going to be cool.
Speaker 6: That's that's only you that does have marrow.
Speaker 2: Sorry, I am back in the you know he did.
Speaker 2: I brought the bottom line you can ask to talk
Speaker 2: to you.
Speaker 3: Yeah.
Speaker 10: I brought that up, Tom, because we did have a
Speaker 10: listener call him at three am one time.
Speaker 2: Yeah, No, we didn't. We did. Yeah, Wow, was it important?
Speaker 3: John?
Speaker 6: I don't recall. You know, back many years ago, I
Speaker 6: used to handle criminal defense cases as well. And you know,
Speaker 6: my card has had my cell number on it for
Speaker 6: twenty three years now, so there's a few of them
Speaker 6: out there. But but those guys used to be the
Speaker 6: ones that would call me at two or three in
Speaker 6: the morning, and it usually they'd pick up the phone
Speaker 6: they call, and then they'd set the phone down, so
Speaker 6: I'd sit there and listen to the entire police interaction
Speaker 6: over the phone. When I'd wake up the next morning
Speaker 6: and listen to the to the message and stuff. So
Speaker 6: it's quite humorous. But no, I don't get too many
Speaker 6: calls after hours. Not bad after hours.
Speaker 2: That's scary. That really is scary. Now is Paul a
Speaker 2: new caller? I thought I took him. Paul, you were
Speaker 2: done with them? Tom, Well, Paul, are you done? Go ahead,
Speaker 2: make your make your final points fall.
Speaker 14: Well, I just you know, I just like I said, Man,
Speaker 14: we'll talk to people like you can't talk to people
Speaker 14: like that. You know, one side didn't that's it. You
Speaker 14: don't see then.
Speaker 9: It's not right scary.
Speaker 10: So I was just shocked here they were both so
Speaker 10: wrong on the condoms, like they didn't exist at all.
Speaker 10: And it comes to find out they one the guy
Speaker 10: got the wrong country. Who cares? It wasn't right here
Speaker 10: in the good old us of.
Speaker 14: A exactly like you said, dude, you know we got
Speaker 14: vedrooms of stuff that are homes outside and don't worry
Speaker 14: about other trumps. We could need to worry about ourselves first.
Speaker 10: Wish we shipped one of those to Raff's dad.
Speaker 2: Okay, now three O three seven one three talks seven
Speaker 2: one three A two five five, taking all your calls, problems, questions, complaints. Truly,
Speaker 2: we're having fun doing it too, So stick around for
Speaker 2: the Troubleshooter show.
Speaker 3: Yeah, ripped.
Speaker 4: Bad news didn't need advice.
Speaker 7: So you don't have the.
Speaker 3: Come running just as fast.
Speaker 5: As we can.
Speaker 4: Trouble Shooter's gonna help.
Speaker 16: Come man, This is.
Speaker 5: The Troubleshooter Show. No Tom Martino.
Speaker 2: Hey, I'm Tom Martino, and I welcome you to the show.
Speaker 2: This hour brought to you by one Clear Choice Garage Doors.
Speaker 2: If you're looking for or great service new garage doors,
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Speaker 2: twenty four to seven service one Clear Choice Doors dot Com.
Speaker 2: Somebody says you never give out that number, Tom, I'm
Speaker 2: gonna give it out now. Seven to zero three seven
Speaker 2: zero thirty nine eighty seven. I want to welcome John
Speaker 2: Fuller with us Fuller Law, and we're talking about personal injury.
Speaker 2: If you have any questions on that, we're talking about
Speaker 2: any and all things you want to talk about. Really, So, John,
Speaker 2: what is on your mind in general in your field
Speaker 2: of expertise? Are there any changing laws? Anything you're seeing
Speaker 2: abusive wise? Are you seeing any just really if you
Speaker 2: you know so many times we have experts on and
Speaker 2: we take calls and inquiries, but I just want to
Speaker 2: ask you straight up, anything particular that you think people
Speaker 2: need to know that maybe occurs all the time or whatever.
Speaker 6: You know, there are certain trends that just kind of
Speaker 6: repeat themselves, and we go through phases with some of
Speaker 6: these different companies out there. But one of the ones
Speaker 6: that I've seen recently a lot of is these insurance
Speaker 6: companies rushing out and trying to give offers to people
Speaker 6: before they've even had a chance to consult with an
Speaker 6: attorney and to try to settle their cases super fast
Speaker 6: and for not that much money. And that's that doesn't
Speaker 6: really happen all the time, but right now we seem
Speaker 6: to have a lot of that. And so if you're
Speaker 6: in that situation, do not accept an offer that literally
Speaker 6: is like ten minutes after your accident.
Speaker 2: Okay, Okay, that's really good advice. Do you feel that
Speaker 2: there are cases where they're simple enough that a consumer
Speaker 2: can handle them and you tell them just do this
Speaker 2: and see what they say.
Speaker 6: Well, I mean, you know, there are cases that we
Speaker 6: don't accept because they don't require our assistance on them.
Speaker 6: But if you're injured and you're getting treatment, and you've
Speaker 6: got you know, you've got questions about which insurance companies
Speaker 6: should be paying for things and what order they should
Speaker 6: be paying. I mean, you're probably gonna be a lot
Speaker 6: better off by having us on your side. But if
Speaker 6: you're just you know, not injured, maybe you just had
Speaker 6: one little trip to the Cairo or two or something
Speaker 6: and you paid out of pocket, and it's just a
Speaker 6: simple case all the way around, you might be okay,
Speaker 6: but much more complicated than that, and it just opens
Speaker 6: the door to problems that are gonna, you know, come
Speaker 6: back to haunt you down the road.
Speaker 2: Okay, I got this text just now when we were talking.
Speaker 2: Does John believe in no dash cams?
Speaker 3: Yes?
Speaker 6: John believes in dash cams. I don't think that should
Speaker 6: be a secret to any of your listeners. I'm a
Speaker 6: big believer in dash cams.
Speaker 3: You know.
Speaker 6: The one of the things that I hate more than anything,
Speaker 6: And you know, and maybe it's a function of you know,
Speaker 6: a lot of the police forces are spread pretty thin.
Speaker 6: They don't have enough people working in them and they
Speaker 6: just don't have time. But the thing that I hate
Speaker 6: more than anything is when a cop comes out to
Speaker 6: an accident scene, they get a he said, she said,
Speaker 6: and they just throw up their hands and say, well,
Speaker 6: the parties don't really agree, so I'm not going to
Speaker 6: write a ticket, and we don't really know who's at fault.
Speaker 6: And I can guarantee you that the cop not knowing
Speaker 6: who's at fault means we're going to get a denial
Speaker 6: from the insurance company. Happens every single time. So one
Speaker 6: way to eliminate that confusion, absolutely one hundred percent is
Speaker 6: to have that nice little dash cam up there taking
Speaker 6: a full color picture of exactly what happened in your accident.
Speaker 6: It can completely and it does frequently, completely eliminate disputed
Speaker 6: liability cases.
Speaker 2: Okay, now, obviously it can also count against you if
Speaker 2: you're an idiot, right I.
Speaker 6: Mean well, I mean listen, if you're at fault, you're
Speaker 6: at fault. I mean, that's that's the reality. But if
Speaker 6: you're not the worst thing in the world is to
Speaker 6: have some guys say, man, I'm really sorry, and by
Speaker 6: the time you get home, you get a call from
Speaker 6: their insurance saying we want to get your information. We
Speaker 6: understand that you were at fault for the accident. The
Speaker 6: guy completely changed his tune by the time he spoke
Speaker 6: to his own insurance company. Now from that moment on,
Speaker 6: you have this battle where we have to we have
Speaker 6: to fight about liability and many times there's nothing you
Speaker 6: can do. On those cases.
Speaker 2: You know you're absolutely right. So in any case, what
Speaker 2: I tell people all the evidence you can gather. I mean, obviously,
Speaker 2: if you're in the right, which you know, you're not
Speaker 2: going to seek legal help. If you don't think you're
Speaker 2: in the right, if you think you screwed up, I mean,
Speaker 2: then you have to get other kinds of help, and
Speaker 2: your insurance should help you. But in any case, all
Speaker 2: I mean cell phone people don't use their phones to
Speaker 2: take pictures. They think they're weird, so they don't want
Speaker 2: to do it. Dash cams are great, but the license
Speaker 2: plate of the other I mean, there are people that
Speaker 2: totally deny the encounter. Sometimes when authorities aren't called, they
Speaker 2: literally deny the entire incident. I've had those cases. I mean,
Speaker 2: it's crazy, okay.
Speaker 6: I mean that's why I tell people, and you know,
Speaker 6: get out of the car, take a picture, you know,
Speaker 6: take a picture of the other driver. Those cases do
Speaker 6: happen where the other driver just flat denis that they
Speaker 6: were even in the car.
Speaker 2: So cut off one person here, John, we have some
Speaker 2: one person here who said they were driving down and
Speaker 2: the RTD bus pulled out from its stop and never
Speaker 2: look and smash them into an oncoming car and they
Speaker 2: have injuries. Now, is is RTD self insured? How do
Speaker 2: they deal with RTD?
Speaker 6: So that's a hard question because there's more than one RTD.
Speaker 6: RTD itself is a government entity, and you're basically dealing
Speaker 6: with you know, state dollars and governmental immunity and all
Speaker 6: those issues. But we also have a private contractor that
Speaker 6: does an awful lot of RTD bus operation and everything else,
Speaker 6: and they have their own private insurance. So it depends
Speaker 6: on who and which one of the RTD buses you
Speaker 6: happen to get hit by or happen to, you know,
Speaker 6: be involved with. But you know it six and one
Speaker 6: half dozen, they're both. They get a lot of claims
Speaker 6: tom as you can imagine. So they're not very easy
Speaker 6: to deal with.
Speaker 2: Okay, But but for sure you need I mean you
Speaker 2: they do have some kind of coverage, is what you're saying.
Speaker 6: I mean, absolutely, government there's coverage. Yeah, No, you do
Speaker 6: have governmental immunity issues. If it's the UH, if it's
Speaker 6: truly RTD that is a government you know, funded, owned,
Speaker 6: operated program, and you do have governmental immunity.
Speaker 10: Issues that generally john that just per say, the driver
Speaker 10: or the employee doesn't That doesn't stop the city or
Speaker 10: whomever for paying out.
Speaker 6: Sure it does, Sure it does, it does. Yeah. So,
Speaker 6: I mean, here's the way governmental immunity works. The basic
Speaker 6: rule is we're immune unless we say that we're not immune.
Speaker 6: And one of the things that they statutorily say they're
Speaker 6: not immune for is car accident. But you still have
Speaker 6: to go through the motions of giving the statutory notice
Speaker 6: and all of the steps that you have to do
Speaker 6: to preserve your case or you will lose it forever,
Speaker 6: regardless of what the statutes say about them waving immunity.
Speaker 6: So it just is an extra procedural hurdle that if
Speaker 6: a person is not represented or they don't know, they
Speaker 6: can easily miss that deadline and later find out that
Speaker 6: they have no case at all.
Speaker 10: I guess more or less. What I was saying, though,
Speaker 10: is with the exception of a snowplow in a car
Speaker 10: park to where it shouldn't be or wherever, I mean,
Speaker 10: generally speaking, if you get hit by an RTD bus,
Speaker 10: and it's the bus's fault. If you get an attorney
Speaker 10: and go through the hoops, you're going to end up
Speaker 10: most likely getting paid. Correct.
Speaker 6: Yeah, but if you wanted to get in by a
Speaker 6: cop or but.
Speaker 10: If your attorney or a cop or anybody, but if
Speaker 10: your attorney wanted to actually go after that employee as well,
Speaker 10: that's a whole different hurdle.
Speaker 6: Well, we do go after the employee. It's just that
Speaker 6: that person is afforded coverage by being in the course
Speaker 6: of scope of their employment. I guess we're always saying
Speaker 6: you after the driver itself.
Speaker 10: But I'll put it two different ways. Let's say a
Speaker 10: city worker, let's say an RTD bus driver, and let's
Speaker 10: say just a private citizen that happens to be on
Speaker 10: the job for whatever, driving some parts around to deliver.
Speaker 10: So in either case, and let's say they were drinking.
Speaker 10: Let's say the RTD bus guy was drinking and that
Speaker 10: was proven and same with the other person, could you
Speaker 10: go after that RTD bus driver for that aspect of it?
Speaker 6: Okay, So listen to me really carefully. In every single lawsuit,
Speaker 6: we go after the actual driver, Okay, in every single lawsuit.
Speaker 6: Sometimes we also go after a company under a separate
Speaker 6: claim such as negligent entrustment or something like that. But
Speaker 6: we always go after the driver because it's the driver
Speaker 6: who was negligent got it. RTD itself didn't cause the accident.
Speaker 6: I mean, they may be by policy or bad hire
Speaker 6: or something, but that's a different deal. But we always
Speaker 6: go after the driver, and that driver is indemnified by
Speaker 6: the fact that they're operating within the course and scope
Speaker 6: of their employment. So that's why we have RTD paying
Speaker 6: for the damages caused by driver A, driver B, and
Speaker 6: driver C. We will almost never anything directly from that driver.
Speaker 6: That driver is going to be covered by their employer.
Speaker 2: Yeah, but that's the way it is with most people,
Speaker 2: even when they have their own insurance.
Speaker 10: Well, I was thinking if Margie d was going to say, hey,
Speaker 10: we're only going to pay out whatever two million dollars,
Speaker 10: I'll just throw something out and you still wanted more.
Speaker 10: Could you go after that driver individually because he was drinking,
Speaker 10: but yet he's a uh state employee. I mean, could
Speaker 10: you still go after him for his house, his assets?
Speaker 6: Most likely not mark You're You're you're going to end
Speaker 6: up wanting to go after where the money is and
Speaker 6: that's going to be with the employer and got it, you.
Speaker 2: Know, no, and that that moves that that goes right
Speaker 2: into our next text. By the way, you got Mark,
Speaker 2: Mark hit on it. Yeah, So I'll take this break
Speaker 2: and then this text has to do with what Mark
Speaker 2: asked about going after other parties. Three oh three seven
Speaker 2: to one three eight two five five.
Speaker 3: Tom martinall.
Speaker 2: Three seven one three talk seven one three eight two
Speaker 2: five five Ken, go ahead, Ken, what's going on?
Speaker 3: Yeah? Tom?
Speaker 17: Before Thanksgivin and you were talking about your back surgeon
Speaker 17: and I was driving and couldn't write down who the
Speaker 17: surgeon's name is and the practice.
Speaker 2: Yeah, just so you know, he's not the only one
Speaker 2: that does it. Since it's been FDA he's one of
Speaker 2: the first. But since it's been FDA approved, there are
Speaker 2: a lot of really good surgeons that do it. But
Speaker 2: my surgeon, I love him, and he is really doing
Speaker 2: many of them is Joshua Beckman B E, C K,
Speaker 2: M A N. And he's a he's at Saint A's
Speaker 2: but he doesn't work well. He has a his practice
Speaker 2: I believe is called neurosurgery. One doctor Joshua Beckman, and
Speaker 2: he does the Uh, yeah, he does that one procedure
Speaker 2: that I had done that of course TOP procedure, right,
Speaker 2: Tom Yeah. Tops. Now, one thing, like I said, not
Speaker 2: everyone is eligible for it, unfortunately, because you know one
Speaker 2: of the yeah it's neurosurgery one dot com and but
Speaker 2: one of the things is that it's not. It's just
Speaker 2: not for everyone because people don't have the right structure
Speaker 2: for it. But it's something to look into. Now. One
Speaker 2: thing they have been doing, which is really amazing is
Speaker 2: since the TOPS procedure, which is really an implant that
Speaker 2: takes the place of your diseased facets and joints and disk,
Speaker 2: it's only a proof for one level, meaning one level
Speaker 2: at a time, not two levels together. So what they've
Speaker 2: been doing people that had multiple problems, and this is ingenious,
Speaker 2: they've been actually doing the fusion in the middle and
Speaker 2: putting a top's device on the top and on the
Speaker 2: bottom of the fusion for people that have big multi levels. Now,
Speaker 2: the reason for that is, as you probably know if
Speaker 2: you've looked into fusion there is fusions fail more than
Speaker 2: they don't, and they fail because of what's called adjacent
Speaker 2: disk disease where or adjacent facet disease where there's too
Speaker 2: much pressure put on the back and there's no movement.
Speaker 2: So by putting movement above and below the fusion, it
Speaker 2: actually relieves the adjacent disk disease part of it. It's ingesting.
Speaker 2: Now obviously what's yeah, Now the fusion then would not fail. Probably.
Speaker 2: Now here's what would be best if they would just
Speaker 2: the FDA I think they're going for it would do
Speaker 2: multi levels of the of the tops because you could
Speaker 2: literally just replace all of those facets period, just replace them.
Speaker 2: But you have to have really good bone density and
Speaker 2: stuff to do it. So I wish you the best. Man.
Speaker 2: There's nothing more terra I shouldn't say there's nothing more terrible.
Speaker 2: Back pain is very terrible, very terrible. Three oh three
Speaker 2: seven one three talk seven one three eight two five five.
Speaker 2: All right, John Fuller, we had that question that Mark
Speaker 2: brought up. Somebody wanted to know. They say, Tom, you
Speaker 2: always talk about ensuring what you're worth, because if if
Speaker 2: if you're insured for fifteen grand, and they look at
Speaker 2: your bank account or your house, or they do an
Speaker 2: asset search, they may say, screw you, we're not taking
Speaker 2: your insurance. We're gonna go after you. But does that
Speaker 2: really happen does. I knew a couple who wanted to
Speaker 2: save money again, and they were worth I know, they
Speaker 2: were worth about five million dollars and they had state minimums,
Speaker 2: and they got into an accident and the woman started
Speaker 2: They won but for another reason, but they were coming
Speaker 2: after the full monty and they they wouldn't take any
Speaker 2: insurance settlement. And I told her, I said, look, you
Speaker 2: underinsured yourself, and you're a very attractive target. And then
Speaker 2: another personal injury attorney said, they hardly ever sue people personally.
Speaker 2: What is your thought, what is your thought on that?
Speaker 6: Well, both of those things are true. I mean, so
Speaker 6: here's kind of the you know, the test. We generally
Speaker 6: just go after insurance money because it's the only money
Speaker 6: that's there most of the time, you know, most most
Speaker 6: people don't have twenty five or fifty thousand or one
Speaker 6: hundred thousand or three hundred thousand or any of those
Speaker 6: nice round you know dollar amounts, just sitting in the
Speaker 6: bank and waiting if they you know, to see if
Speaker 6: they cause an accident. But here's where it does come
Speaker 6: back to bite you. So if you have you know
Speaker 6: the means, and you choose to under insure by having,
Speaker 6: say twenty five grand, even though you're a multi millionaire.
Speaker 2: Yeah, yeah, I take.
Speaker 6: When I get ready to take policy limits from a
Speaker 6: company and I know that I'm fixing the go to
Speaker 6: my client's uninsured motorists. The first thing we have to
Speaker 6: do is get permission. And guess what they do. They
Speaker 6: do an asset check on the defendant and they discover,
Speaker 6: oh my goodness, they actually do have enough money to
Speaker 6: satisfy a judgment, and they are voluntarily uninsured at that moment.
Speaker 6: And this does happen. The uninsured motorists company will pony
Speaker 6: up the amount of money that this person had an
Speaker 6: insurance and they will go after them directly for the
Speaker 6: entirety of the damages without paying a nickel out of
Speaker 6: the un proceeds. So it does happen.
Speaker 2: They know that, So, John, But you, personally, or most
Speaker 2: personal injury attorneys, you're telling me, no matter how attractive
Speaker 2: the defendant, you would rather not go after them.
Speaker 6: Well, no, I'm going after them. But the insurance company
Speaker 6: has more money than they do most of the time.
Speaker 2: You mean, so if they have okay, under in short
Speaker 2: on insured coverage. So here's your deal.
Speaker 6: Let's say that Let's say that you incur, you know,
Speaker 6: a ninety thousand dollars hospital bill, and you lost thirty
Speaker 6: thousand dollars of wages and all this stuff, right, and
Speaker 6: I want to go after you directly. And I look
Speaker 6: at you and I go, okay, wait a second. We've
Speaker 6: got one hundred thousand dollars insurance policy and maybe by
Speaker 6: the time you're done, I've got two hundred thousand dollars
Speaker 6: of damages. You know, what are you going to do here?
Speaker 6: I can get a hundred from the insurance company and
Speaker 6: that check clears the bank. Or I can go after
Speaker 6: you directly and not take the hundred, because going after
Speaker 6: you directly means I have to forego taking the hundred
Speaker 6: because the only way the insurance company would give me
Speaker 6: the hundred is if I sign a release that lets
Speaker 6: your guy off the hook. So if I don't sign
Speaker 6: that release and I go after you, direc I have
Speaker 6: to be able to find liquid assets that I can
Speaker 6: attach to that are in you know, in the vicinity
Speaker 6: of that two hundred thousand dollars that we believe are
Speaker 6: our damages are. Or I can take the hundred and
Speaker 6: then go after the uninsured motor is you know coverage
Speaker 6: that we have on our own clients policy. And perhaps
Speaker 6: my client gets made whole out of both of those
Speaker 6: insurance policies versus or spend.
Speaker 2: A year sign to collect money, or perhaps the UM
Speaker 2: goes after the uh uh goes after the other party
Speaker 2: because they say, look, yeah, we paid, but now we're
Speaker 2: going to subrogate.
Speaker 6: Right, Well, they can't do that if you've signed a
Speaker 6: complete release to get the underlying liability settlement. That's why
Speaker 6: you have to get permission from the UM carrier. So
Speaker 6: the UM carrier looks at it and says, Okay, we
Speaker 6: think the guys appropriately insured and we're going to give
Speaker 6: you permission to settle. Then they're going to be bound
Speaker 6: by that same release. It's a complete release that lets
Speaker 6: that guy out there okay, you know, okay God and
Speaker 6: for all of the damages. So that's why there is
Speaker 6: this permission component to go after you am.
Speaker 2: Now, John, I know it's a gamble, but we say
Speaker 2: this to people all the time. Make sure you ensure
Speaker 2: what you're worth, and you're kind of telling me if
Speaker 2: you have some healthy insurance, you may not have every
Speaker 2: And then also there has to be the loss itself.
Speaker 2: So this one couple I was talking about, while they're
Speaker 2: worth five million, and they only had fifteen thousand or whatever,
Speaker 2: the twenty five thousand minimum, the actual damages of the
Speaker 2: other driver. Actually we're not that bad. So you don't
Speaker 2: go after money just because someone has it. You actually
Speaker 2: have to have the loss, right.
Speaker 6: I mean, that's how saying actual damage is. You can't
Speaker 6: go after somebodey for more than your damages are.
Speaker 2: Yeah, just because they're rich, exactly. But I guess what
Speaker 2: I'm saying is are you saying then? And I'm not
Speaker 2: trying to put you on the spot, but it's highly
Speaker 2: unlikely that people are sued individually if they have a
Speaker 2: healthy chunk of insurance.
Speaker 6: Once again, we always sue people individually. We we then
Speaker 6: have to make a determination on whether it is better
Speaker 6: and more strategically advantageous for our clients to take the
Speaker 6: limits of their their auto insurance versus not taking that
Speaker 6: money and trying to go after these people individually.
Speaker 2: You can't do both, Okay, got it? And you would
Speaker 2: say most of the time, the insurance is the way
Speaker 2: to go most of the time. Absolutely, Okay. Three three seven,
Speaker 2: one three five. That's very telling, that's very I'm glad
Speaker 2: you told me that because a lot of like I said,
Speaker 2: I'm not telling people to underinsure themselves voluntarily, but perhaps
Speaker 2: you know they don't have to exaggerate. Again, there's always
Speaker 2: this theory that go ahead, John, want.
Speaker 6: Listen that that what's your what's your here's the weak
Speaker 6: link in that, in that theory that oh, I can
Speaker 6: just underinsurre and they're always going to take the insurance.
Speaker 6: It's only true if there happens to be, you know,
Speaker 6: a healthy UN policy out there, and the UN policy
Speaker 6: decides that you didn't intentionally under insure. So there is
Speaker 6: risk in not carrying enough insurance. I would never advocate
Speaker 6: that somebody not carry a ton of insurance, but for
Speaker 6: for for different reasons. My main reason is because I
Speaker 6: want to be able to get as much UM coverage
Speaker 6: as I can to protect me and the occupants of
Speaker 6: my car in the event that somebody who's uninsured or
Speaker 6: who has that crappy insurance causes the accident. But no,
Speaker 6: I would never suggest that you intentionally under insured. That's
Speaker 6: just crazy.
Speaker 16: No.
Speaker 2: No, yeah, three oh three seven, one three eight two
Speaker 2: five five. By the way, Frank durand the real estate
Speaker 2: Man dot Com I love Frank Man. He's a great
Speaker 2: person for buying or selling. But I also think you
Speaker 2: can rely on him no charge for a market analysis
Speaker 2: to see what your home will sell for, without listing
Speaker 2: and without obligation. Three oh three nine two zero sixteen
Speaker 2: twenty two Frank three in the real Estate man dot com.
Speaker 2: Hey Tom Martino here at three oh three seven one
Speaker 2: three talk seven one three eight two five five. All right,
Speaker 2: So I wanted to talk to John about this other
Speaker 2: uh text we got as far as they're if they're
Speaker 2: involved in an activity with their car, like voluntarily, like
Speaker 2: motocross or something like that, or they have a hot
Speaker 2: car and they're they're racing it or they're having they're
Speaker 2: out of track, Are they liable for injuries they cause others?
Speaker 2: Or is that a higher risk assessment where people you know,
Speaker 2: should respect that or I imagine a lot has to
Speaker 2: do with what the participants sign when they participate.
Speaker 6: What do you think, John, I think it has a
Speaker 6: lot more to do with whether the insurance company knows
Speaker 6: that they're ensuring you for that risk. So many policies
Speaker 6: will exclude activities like that. Certainly, if it was something
Speaker 6: illegal that that that may very well not be covered
Speaker 6: by any insurance policy.
Speaker 2: Okay, and you're you're screwed. I mean basically. But as
Speaker 2: far as if people sign agreements and I've both often
Speaker 2: asked you about this, disclaimers or what do you call them? Waivers?
Speaker 2: Are they did they hold up? Yeah?
Speaker 6: They do, they sure do. So there's two different kinds
Speaker 6: of waivers that come into play. Tom One is for
Speaker 6: you know, simple negligence, which is, you know, making a mistake, Okay,
Speaker 6: nothing intentional, just just a mistake, acting in a way
Speaker 6: that you know that that you should have known that
Speaker 6: something bad could happen, and something bad, My gosh, that's
Speaker 6: simple negligence. Those are going to be enforced every day
Speaker 6: of the week. Where where you run into problems is
Speaker 6: sometimes waivers are worded in a way that they actually
Speaker 6: include things like reckless conduct and intentional conduct and gross
Speaker 6: negligents and you see it written a bunch of different ways.
Speaker 6: Those courts are much less likely to enforce. It comes
Speaker 6: down to the the the activity itself, how necessary it is.
Speaker 6: So the famous case on it is, you know, a
Speaker 6: waiver that somebody had to signed to get propane put
Speaker 6: into the tank at their house, and the court ruled
Speaker 6: that that's so necessary because the alternative is your house
Speaker 6: freezes and you you know, you have no heat that
Speaker 6: that you know, there's a different analysis in terms of
Speaker 6: enforcing an agreement than for a recreational activity that you
Speaker 6: certainly don't have to do. So the courts will enforce them,
Speaker 6: but much less so with gross negligents and words.
Speaker 2: Like that, okay, we get it. Okay. So basically though,
Speaker 2: the messages on waivers in general, you have to not
Speaker 2: just have them to protect you if you do something,
Speaker 2: if you're conducting something that could be risky, but you
Speaker 2: have to watch what you sign as a participant. But
Speaker 2: I was always told that even if you sign a waiver,
Speaker 2: gross negligence is never overlooked. Is that right?
Speaker 6: Well, I've seen plenty of waivers where gross negligence is waived.
Speaker 6: The question is whether or not the courts are going
Speaker 6: to enforce that. Okay, got it. Got But they're written
Speaker 6: in a way that says, we wave everything under the sun.
Speaker 6: Any theory you could ever come up with. You've waived it,
Speaker 6: you know, But the issue whether it's going to be enforced.
Speaker 6: I'll tell you something else that people need to be
Speaker 6: aware of is that you know, there are many activities
Speaker 6: that you can that you can do. I'm thinking of
Speaker 6: a you know, a little I don't want to say
Speaker 6: the name of the company, but a little activity in
Speaker 6: the mountains where you you sign up and then go
Speaker 6: for a ride on a particular conveyance and and just
Speaker 6: signing up, they make you click through a screen on
Speaker 6: the internet to where you agree to the terms of
Speaker 6: their waiver. And and let me tell you, that's enforceable.
Speaker 6: So don't think that those screens that you just click yes, yes, yes,
Speaker 6: yes yes, crew on the internet aren't ultimately going to
Speaker 6: come back to haunt you in the event that something
Speaker 6: bad happens, because I promise you they will and they'll
Speaker 6: be enforced.
Speaker 2: You know what. That's really good advice. Okay, we have
Speaker 2: more coming up on The Troubleshooter Show three oh three,
Speaker 2: seven to one to three talks seven to one, three eight,
Speaker 2: two five, five.
Speaker 1: Yeah, ripped off bad news.
Speaker 4: The need advice, so you don't have.
Speaker 3: You'll come running just as fast as we can.
Speaker 4: Show Shooter's gonna help come.
Speaker 3: Man, This is.
Speaker 5: The Troubleshooter Show now, Tom Martinez, welcome, Welcome.
Speaker 10: My friends to the only show. It's kind' here to
Speaker 10: solve problems, answer questions, take complaints. I'll tell you something,
Speaker 10: this show's been a little different. We kind of dived
Speaker 10: into politics. I got some thoughts on that in a second.
Speaker 10: But really what we do is we try to recoup
Speaker 10: money for you. Over three hundred million dollars. Listen to that,
Speaker 10: three hundred million dollars in cash, merchandise exchanges, refund services.
Speaker 10: I think you get the idea. We help. We help
Speaker 10: get money back from bad contractors. We help get problems
Speaker 10: solved like bad LAMB. It can't seem to fix a
Speaker 10: furnace for you. If you're living in the cold, you
Speaker 10: pretty much name it. We do it. In fact, someone
Speaker 10: told me, Bo, do you have an actual update? Did
Speaker 10: I hear that? I actually have an update? After a week,
Speaker 10: Deputy Bo's got an update. Here's how things work on
Speaker 10: this show. If you're new to it, you call up
Speaker 10: generally if we can't solve it right now, we get
Speaker 10: either a referral list member on a referral list dot Com,
Speaker 10: one of our experts, whether that's an attorney like John
Speaker 10: Fuller by the way, that is joining me today for
Speaker 10: this hour. And we also have Deputy Doc. But we'll
Speaker 10: get an expert on and then if we have to
Speaker 10: go a step further, we will assign one of our
Speaker 10: deputies to help work through the problem. What was the
Speaker 10: initial problem? By the way, I always forget this three
Speaker 10: zero three seven one three eight two five five. We
Speaker 10: do have a couple lines open right now, and I
Speaker 10: promise I'm going to go back to you, Pam in
Speaker 10: a second and recap that so I can get involved
Speaker 10: in at three oh three seven one three eight two
Speaker 10: five five. I want to hear from you now, any
Speaker 10: problem you got bo What was the initial call?
Speaker 11: So Scott called in I believe at the ten o'clock
Speaker 11: hour this morning. He had a contractor by the name
Speaker 11: of Comfort Works install a Mitsubishi heat pump back in
Speaker 11: November of twenty twenty three, and last year the unit
Speaker 11: froze up and he couldn't get any heat out of
Speaker 11: the thing, and with this recent very very cold weather
Speaker 11: it froze up again.
Speaker 10: No, this heat pump is basically his furnace, of course.
Speaker 11: Yeah, it's it's doing both things, heating and cooling.
Speaker 10: Is it a mini split system.
Speaker 11: It's a yeah, it's a heat heat pump mini split Yes,
Speaker 11: it does both things.
Speaker 10: Very familiar. Those are some of the best things out there.
Speaker 10: In fact, they'll save you a ton of money. But
Speaker 10: when it was really cold, it wasn't heating.
Speaker 11: No, because I believe this particular model didn't have supplemental heat.
Speaker 11: Some of these heat pumps are good, but because when
Speaker 11: it gets below zero at zero, they just don't work well.
Speaker 10: So the ones on r just to give people an
Speaker 10: idea how heat pumps work. We have a Susanna and
Speaker 10: I have an all electric coach in RV, so when
Speaker 10: we plug it in, our AC units are also heat pumps.
Speaker 10: But just like Bo saying, if it gets down twenty
Speaker 10: five degrees or so, they don't work very well at all,
Speaker 10: so we end up burning diesel in our insta heat,
Speaker 10: which gives us you know, it gives us fire, it
Speaker 10: gives us real heat. But if it's around forty to
Speaker 10: fifty degrees, those heat pumps were great to get it
Speaker 10: up to you know, sixty five seventy wherever you want
Speaker 10: to set it and.
Speaker 11: Mark, they're very effashiout.
Speaker 22: Could you explain to us the difference between a furnace
Speaker 22: and a heat pump?
Speaker 10: So well, Boat did this forever? I mean, the furnace
Speaker 10: is usually natural gas or it's going to be runoff propane.
Speaker 11: Yeah, furnaces gas fire dusts where you get the heat,
Speaker 11: whereas a heat pump. To make it simple, it's actually
Speaker 11: an air conditioner working in reverse.
Speaker 10: And it's electric generally yeah.
Speaker 11: Generally electric in an Aggtually, the free on or the
Speaker 11: refrigerant actually captures the heat outside and through this superheat
Speaker 11: and cooling, it transfers that heat back into the house
Speaker 11: where you're not using natural gags.
Speaker 10: And what we're really crazy about it. You think, okay,
Speaker 10: if it's twenty degrees out, how does it get heat. Well,
Speaker 10: there's always heat in the air.
Speaker 11: It's like in the ground like geothermal, you know that's freezing,
Speaker 11: but there's always some sort of heat yep, that they
Speaker 11: can capture. So anyway, back to Scott, he called this
Speaker 11: contractor at four to five times to get up to
Speaker 11: come out. They were blowing him off.
Speaker 2: Who was it?
Speaker 10: Who was the contract company?
Speaker 11: Is called Comfort Works Got a Fouler Colorado.
Speaker 10: And that's Comfort Works with an X. Got a KS
Speaker 10: got it?
Speaker 11: So that's right, has an X. So I called them
Speaker 11: three times during the breaks. They didn't call me back.
Speaker 10: When did this come in?
Speaker 11: It came in at ten o'clock this morning.
Speaker 10: Wow, okay, So you called him back three times.
Speaker 11: I called back three times. I left a very detailed message.
Speaker 11: I left them the I don't number the unit, and
Speaker 11: I also called my Mitsubishie supplier in Denver asked him
Speaker 11: about the unit, and there is you can't buy a
Speaker 11: supplemental heat strip to make the thing, make it work nice. So, uh,
Speaker 11: Scott called me about twenty minutes ago, and he was
Speaker 11: very thankful. He says, Bo, this contractor called me about
Speaker 11: this about an hour ago, and he says, well, we apologize.
Speaker 11: We're gonna get out to his house. We're gonna we're
Speaker 11: gonna find out why the unit is freezing up. And
Speaker 11: if they have to, they will install this electric supplemental
Speaker 11: heater into his Mitchbisi unit.
Speaker 10: And they're gonna do it no costs.
Speaker 11: They're gonna do it. Hopefully, they're gonna do it at
Speaker 11: no costs.
Speaker 3: I love it.
Speaker 10: Well, even if he asked if he didn't pay for
Speaker 10: it before, long as they cut him a good deal.
Speaker 10: Don't charge an right way if.
Speaker 11: It's something that the contractor missed an installation. If this
Speaker 11: electric heater, supplemental heat strip is not in.
Speaker 10: So it should have been their period. It should have
Speaker 10: been there, so there shouldn't be a cost. It's great
Speaker 10: they finally got in contact, though, Yeah, leaving messages left
Speaker 10: and right only.
Speaker 11: Because the Troubleshooter show. That's my reason why he called
Speaker 11: him back. Yeah, Scott's the kind of things.
Speaker 10: I don't even know how you put a dollar amount
Speaker 10: on it. Maybe if he called up I don't know,
Speaker 10: Joe Blow and had to add it because his contractor
Speaker 10: was out of business, what do you think it would be?
Speaker 10: Five hundred one thousand. I don't know how much for
Speaker 10: the service, call, the labor, the heats.
Speaker 11: It's it's out. In fact, it's I forget. He lives
Speaker 11: in a town called Onny Springs. I don't even know
Speaker 11: where that is.
Speaker 10: You know what, good Jombo.
Speaker 11: He's gonna get it done. He's gonna get some heat
Speaker 11: and he can maybe return those supplemental strip eaters he
Speaker 11: bought at Target back.
Speaker 3: Yeah.
Speaker 10: Hey, John Fuller Fuller Law, how are you doing?
Speaker 3: Man?
Speaker 6: Marvelous? Marvelous, marvelous?
Speaker 10: Hey are you We were we were talking last hour
Speaker 10: and Pam, I promise I'm going to get back to you.
Speaker 10: Three oh three seven one three a two five five.
Speaker 10: We're trying to get someone on, Pam. Pam, I'm sorry
Speaker 10: about that about your social security question. So hopefully we'll
Speaker 10: get this expert on in a minute. I was thinking
Speaker 10: about how I went after what was that guy's name, Ralph,
Speaker 10: Ralph Ruff. Yeah, so him and Tom called up. We
Speaker 10: were talking about Doze and basically he started in Trump's
Speaker 10: a liar. For example, there never was fifty million, fifty
Speaker 10: nine million dollars or whatever it is worth of condom
Speaker 10: sent to the Gaza strip or sent to Afghanistan or wherever.
Speaker 10: And basically what happened is, yeah, we were right, there
Speaker 10: was that amount, but Trump said it went to what
Speaker 10: did Trump say? I went to Gaza? Do you guys
Speaker 10: remember Hamas or something like that. But to come back
Speaker 10: on it, it didn't. It went to a different country,
Speaker 10: whatever country. But still the fact was fifty nine million
Speaker 10: or fifty million, whatever it is. And you can hear
Speaker 10: Elon actually talk about where they actually went, and he apologized, Okay,
Speaker 10: I got the wrong country. I'm not going to be perfect,
Speaker 10: but you know what, we're finding stuff everywhere. Not everything
Speaker 10: is going to be perfect, but feel free to ask
Speaker 10: me and I'll clarify when I need to clarify. I
Speaker 10: mean it was very straightforward, but really the whole thing
Speaker 10: was about the wasteful spending. It doesn't matter what country
Speaker 10: it went to. But I started thinking I was probably
Speaker 10: a little too hard on him, and I'll tell you why,
Speaker 10: because the first part of the Trump administration, going back
Speaker 10: pre COVID, it was tough, man. I mean, the lefties
Speaker 10: were absolutely crazy. Even what i'd call somewhat moderate Democrats
Speaker 10: went absolutely nuts with Trump syndrome. And now he's back.
Speaker 10: Now he's got a path. He's moving so fast. I
Speaker 10: think it's freaking people out. John. I think he's moving
Speaker 10: it to speed a light. And I think it's actually
Speaker 10: by design. He's kind of creating chaos. So you know,
Speaker 10: he's not going to do one thing, wait for them
Speaker 10: to bitch, wait for him to take it to court,
Speaker 10: and wait for different things. So I think he is
Speaker 10: trying to create a l lot of things going on
Speaker 10: at one time for a true purpose. But honestly, and
Speaker 10: here's what I want to ask you as an attorney.
Speaker 10: Of course, you're my personal injury attorney, and you know
Speaker 10: a lot of callers use you, and I'm not asking
Speaker 10: in your realm of law, but in general, in general,
Speaker 10: it drives me insane when people either side of the
Speaker 10: aisle go to a judge that is obviously very liberal
Speaker 10: or very conservative on something that I don't think a
Speaker 10: judge has any business being involved. And I'll give you
Speaker 10: an idea one that it just went down Trump being
Speaker 10: the chief, the chief man, the man, the mac daddy.
Speaker 10: He runs the federal government, and he decided he wants
Speaker 10: to cut a lot of jobs. I don't care what
Speaker 10: department or anything. That's up to him. If he wants
Speaker 10: to ask somebody if they want eight months up front
Speaker 10: if they retire now, and then he warned them, also
Speaker 10: might get fired if you don't take it, because we
Speaker 10: might be cutting jobs. Simple as that. So people run
Speaker 10: off to a judge and say, hey, he can't do that,
Speaker 10: and then, of course, you know, it had to go
Speaker 10: a couple weeks. Finally it hit an appeals process and
Speaker 10: the judge basically said, yeah, of course he can go
Speaker 10: ahead and make an offer. These are his employees. But
Speaker 10: give me some rational understanding of knowing the legal system
Speaker 10: from a judge's standpoint, Why why any of that makes
Speaker 10: any sense? Why why can a judge even stop something
Speaker 10: like that.
Speaker 6: John, Well, so that's a tough question. I mean, here,
Speaker 6: here's the thing. That the agenda is to stop everything
Speaker 6: at all costs. And so there are legions of attorneys
Speaker 6: in all fifty states that are raring to go on
Speaker 6: every little, you know, everything executive order that he could sign.
Speaker 6: And and you know, the attorney general in Colorado is
Speaker 6: no exception. I mean he's been I believe, on every
Speaker 6: single one of these lawsuits and and they've been prepared
Speaker 6: to file these lawsuits for weeks and weeks and weeks
Speaker 6: since the you know, since the election happened. It's nothing
Speaker 6: more than an attempt to slow the role of the
Speaker 6: Trump had been.
Speaker 10: And that's that's that's I agree everything you said, and
Speaker 10: I wanted you and hoped that you would answer that way.
Speaker 10: And then the question becomes this, and I'm going to
Speaker 10: let you think about it during the break. Why did
Speaker 10: he not just enforce what he said, knowing when it
Speaker 10: finally gets to an appeal, even if it has to
Speaker 10: be appealed all the way up? What would the ramifications
Speaker 10: and I don't mean public ramifications. Maybe this is truly
Speaker 10: what people would call a constitutional crisis, but what would
Speaker 10: happen if Trump and everybody, everybody in his work world said, listen,
Speaker 10: a judge simply can't stop this. This judge is absolutely
Speaker 10: looney tunes. There's no way to do it. So he
Speaker 10: just he goes ahead and fires people or says, Okay,
Speaker 10: we're done. Uh, we're not gonna We're not gonna stop
Speaker 10: the offer right now. I don't care what the judge says.
Speaker 10: We're gonna move forward. But hold your thoughts on that
Speaker 10: because I got to take this. But that's kind of
Speaker 10: where I'm going with this, like who's right Who's wrong?
Speaker 10: If eventually John something is going to be overturned and
Speaker 10: someone doesn't follow it, what happens, all right? Three oh
Speaker 10: three seven one three A two five five. By the way,
Speaker 10: join us on YouTube dot com and look up Troubleshooter Network.
Speaker 10: You can hear us during the break. I put polls
Speaker 10: up all the time, And what I mean by that
Speaker 10: is like I just put a pull up. Was I
Speaker 10: too hard on rolf on one of the comments I made?
Speaker 10: And I was curious what our YouTube listeners thought of it.
Speaker 10: I'm gonna get it back up in a second, but
Speaker 10: it auto tried to correct it because the guy's name
Speaker 10: is r Alf Right people.
Speaker 9: R l s.
Speaker 10: I don't get that right, rol S, that's right, Mark.
Speaker 10: But anyhow, it messed it up. So anyhow I'll get
Speaker 10: that pullback up, but join us. I always love knowing
Speaker 10: if I was too hard on the guy he said
Speaker 10: the condoms basically went U. The condoms actually, John, he
Speaker 10: said the condoms didn't even exist, right.
Speaker 6: He did say he said, we have a you know,
Speaker 6: the government hasn't bought any none have been distributed. It's
Speaker 6: not five million, five hundred, it's not even five he
Speaker 6: said it was none.
Speaker 10: Yeah, and it turned out it was fifty million, but
Speaker 10: it wasn't too hamas they went to some other country.
Speaker 10: And I made the comment because I was a little snarky.
Speaker 10: I made the comment, I wish we sent some condoms
Speaker 10: to his dad back in the day. So I just
Speaker 10: wanted to know if that if I was going a
Speaker 10: little overboard there. But man, listen, I got called a racist.
Speaker 10: What was that two weeks ago because they shy said,
Speaker 10: and I'm glad USAID is getting shut down. And this
Speaker 10: guy actually emailed the station saying, you got to take
Speaker 10: that guy off the air because I'm glad they're saving
Speaker 10: money when they were talking about all the money going
Speaker 10: out of there, and it's like, okay, okay, So what
Speaker 10: happens is I get so worked up because these these crazy,
Speaker 10: crazy left liberals, crazy left liberals, so I somehow take
Speaker 10: that out. I probably shouldn't have told Ralph that is,
Speaker 10: I wished his dad received economy. I probably shouldn't have
Speaker 10: done that. Hey, Pam, what's going on with you? Pam?
Speaker 16: Yeah?
Speaker 10: How are you? Pam? I'm I'm kind of taking I'm
Speaker 10: taking over on this call, so I'd like to know
Speaker 10: what the original question is. So everybody's on the same page.
Speaker 9: Okay, I have been retired since September of twenty twenty one,
Speaker 9: which means I have been paying it my medic care
Speaker 9: since that day. It's automatic to pull out of my
Speaker 9: check before I get my checked.
Speaker 10: And how long have you been paying for it? I'm
Speaker 10: sorry the medicare.
Speaker 9: That's the September of twenty twenty one.
Speaker 10: Okay, so you turned a certain age and boom they
Speaker 10: start taking it out of your Social Security correct correct? Yeah,
Speaker 10: that's that's so far. All pretty normal. So what's going on?
Speaker 16: Right?
Speaker 9: So then I started doctoring for a hip replacement in
Speaker 9: October of twenty four, Okay, and found out that I
Speaker 9: didn't have Medicare party Okay, doctors.
Speaker 10: Told me so. So I understand that so far, this
Speaker 10: is perfect for John Jones. No matter how we listening,
Speaker 10: I'm waiting for him to call in. Yeah, John, call in.
Speaker 10: He's usually listening to the show. So, but go ahead,
Speaker 10: And when did all this go down? By the way, like,
Speaker 10: when did you find doubt you didn't have Medicare Part B.
Speaker 9: In October?
Speaker 22: Hey, pam to the amount of your Social Security checks
Speaker 22: change at any point?
Speaker 21: No?
Speaker 22: Well, then they were taking out from Medicare Part B obviously.
Speaker 10: Well why would the doctor say there was no Medicare.
Speaker 22: Because he probably you know, the staff could have met
Speaker 22: a clericallera. The best thing to do is to go
Speaker 22: down to this Social Security office in person.
Speaker 10: Well, first of all, how do we know she doesn't
Speaker 10: have advantage? For example? I don't, okay, So what is
Speaker 10: the doctor telling you?
Speaker 2: Though?
Speaker 10: So, Doc, what you're saying is if they're taking money
Speaker 10: out of her check, it's got to be Part B.
Speaker 22: Yeah, but it's been the same since she started.
Speaker 10: Do you know if you have Part B or not?
Speaker 10: I mean that seems it would seem to me like
Speaker 10: you would know. But do you know, Pam buy.
Speaker 9: The hope for a fact that I do not have it?
Speaker 10: Okay, so you do not have Part B. So let's
Speaker 10: just let's just say that's written in Stone. Now what.
Speaker 9: And Social Security. I just got a letter from Social
Speaker 9: Security in Santuary verifying that I do have Part B,
Speaker 9: but social Security will not communicate with Medicare.
Speaker 10: Well, that thing we just wrote in Stone sure change
Speaker 10: pretty quick. So you do have Part B, but you've
Speaker 10: but the doctor's saying you don't. So now I'm going
Speaker 10: to go back to exactly what Doc was saying. Doc
Speaker 10: saying you need to make an appointment with Social Security. Actually, Doc,
Speaker 10: at this point, Social Security is saying she does have
Speaker 10: Part B. So I don't know what good she's going
Speaker 10: to go going to so Security. It's got to be
Speaker 10: the doctor she's got to deal with.
Speaker 9: No, I've been Social Security in offices, talked to hold
Speaker 9: on a second.
Speaker 10: Hey, hey, John Jones, John Jones and Tiger Insurance, what
Speaker 10: are you making of this right here?
Speaker 20: Gonna ask quick questions?
Speaker 10: Yeah, go ahead, she's on the person you're talking with. Damn,
Speaker 10: her name is How much are they?
Speaker 20: Yeah? How much are they withdrawing out of her Social Security.
Speaker 2: Check each month?
Speaker 9: Well, that's your dollars.
Speaker 14: There you go.
Speaker 20: She has her Medicare Part B.
Speaker 10: Then okay, now the next question is her doctor? Her
Speaker 10: hip doctor told you exactly what. Go ahead?
Speaker 9: Now if you talk to Medicare, Medicare little thing I
Speaker 9: do not have play.
Speaker 10: So how would that? How is that? John? Is it
Speaker 10: even possible? Because I assume the one hundred and eighty
Speaker 10: five is basically for everybody or almost everybody, I should say,
Speaker 10: getting pulled out of their Social Security check each month
Speaker 10: for Part B. The number lines up. That's why you asked, right,
Speaker 10: that's correct. So if that lines up, it's obvious she's
Speaker 10: been paying for it. Have you ever seen a case
Speaker 10: where Social Secure he is taking the money out, but
Speaker 10: Medicare has no idea? She has Part B.
Speaker 20: She could clarify that real quick without going to Social Security.
Speaker 20: If I could give her a quick phone number, Mark,
Speaker 20: would that be out cut?
Speaker 10: I'd love for you to do it. Who is it for?
Speaker 2: Though?
Speaker 10: Kind of tell everybody listening what it's about.
Speaker 20: It's actually it's actually the NAE wand number for Medicare.
Speaker 10: Oh, go ahead, go ahead, John, give it out that
Speaker 10: you can talk.
Speaker 20: It's one ice, You've done it.
Speaker 10: Okay, Pam. Yeah, it's a give and take here, so
Speaker 10: hold on because other people are listening. I want him
Speaker 10: to give the phone number out, then he can give
Speaker 10: instructions and we'll kind of hear what you were going
Speaker 10: to say.
Speaker 20: Go ahead, Okay, it's eight hundred six three three four
Speaker 20: two two seven.
Speaker 10: Now, John, I think what Pam's gonna say, but I'm
Speaker 10: going to let her say it. You have tried calling
Speaker 10: that numerous times?
Speaker 3: Or what?
Speaker 9: I have been on three way call with Medicare security
Speaker 9: of me many times.
Speaker 10: And what happens? Who? Who acknowledges there's a problem? Does anybody?
Speaker 14: Or do?
Speaker 10: They both say there is no problem?
Speaker 9: Medicare social Security is not talking to them, and Social
Speaker 9: Security has no idea of why my Medicare party is
Speaker 9: taking away from me. But they set letters to the
Speaker 9: payment processing center for Social Security, but nothing's happening with it.
Speaker 9: I cannot get a reinstated.
Speaker 10: John, What do you? What do you make of all this?
Speaker 10: At this point?
Speaker 3: Now?
Speaker 20: I was thinking what Doc was saying too, to go
Speaker 20: down the local Social Security office. But Pam, if I
Speaker 20: may ask you this too, when you go to see
Speaker 20: the doctor, and that doctor obviously builds Medicare. Correct, Yes,
Speaker 20: for those bill If he works on Medicare assignment, he
Speaker 20: those bills can go directly into Medicare. Is the doctor
Speaker 20: coming back and saying he's not being paid by Medicare, Well, I.
Speaker 9: Have because I just had the surgery then last week.
Speaker 10: Oh so the surgery's done and over. They're just trying
Speaker 10: to get paid.
Speaker 9: Well, I'm trying to get my part be back because
Speaker 9: I have party was with a hospital that took care
Speaker 9: of the surgery. But he has to take care of
Speaker 9: all of these.
Speaker 10: Yeah, the medications and the follow up visits and everything else.
Speaker 2: Yeah.
Speaker 10: John, So you're saying we'll circle back to what doc said.
Speaker 10: Is what you're saying right now.
Speaker 20: Let me let me ask her to were you in
Speaker 20: the hospital for the surgery or was it outpatient surgery?
Speaker 9: It was outpatient surgery, but I ended back in the
Speaker 9: hospital two days later.
Speaker 20: Okay, off, So the surgery and everything, then he's going
Speaker 20: to be covered under your Medicare Part B if it
Speaker 20: was out patient surgery, if I had, yeah, well obviously
Speaker 20: you do.
Speaker 10: That's the whole thing. It is obvious you've been paying
Speaker 10: for it and eventually, I mean, they're going to see it.
Speaker 22: But as will say something, I have never performed the surgery,
Speaker 22: thousands of them without first getting authorization from the insurance company.
Speaker 10: So but she had the surgery.
Speaker 22: But the doctor, he would not perform the surgery without
Speaker 22: getting pre authorization from Medicare.
Speaker 11: So obviously he was.
Speaker 3: He was.
Speaker 22: It was pre authorized, which means she had to have Medicare.
Speaker 10: There's there's no problem with the cost of the surgery.
Speaker 10: It was paid. It's the medication afterwards and the follow
Speaker 10: ups where the Part b's coming in.
Speaker 20: No, you don't have to you don't have to pre
Speaker 20: author If i'm if, I might make a suggestion pay them. Also,
Speaker 20: would your doctors obviously probably haven't even sent the bill
Speaker 20: into Medicare yet. I just tell them, or you can
Speaker 20: take it down to the office, however you want to
Speaker 20: do it. You can see right now I'm paying for
Speaker 20: my Medicare Part B. I need you to send the
Speaker 20: bills to Medicare.
Speaker 10: It's crazy, she's in this loop. I find it so
Speaker 10: hard to believe.
Speaker 13: Well, when I hear from security in which are you
Speaker 13: You're not on Medicare advantage?
Speaker 20: You do have a Medicare supplement.
Speaker 10: I asked her that. I asked her that, And which plan.
Speaker 2: Are you on there?
Speaker 16: Gee?
Speaker 8: G yep, yep, yeah, Okay.
Speaker 20: The only thing after all this surgery, the only thing
Speaker 20: you should have to worry about being out of pocket
Speaker 20: this year is two hundred and fifty four dollars.
Speaker 10: Yeah, that's it. On g right, yep.
Speaker 20: Yeah, your Medicare part be deductible. Everything should be covered.
Speaker 10: Yeah, and you got proof you're paying for it.
Speaker 9: I understand the Medicure says they won't even accept the
Speaker 9: bills because they say, I don't have party.
Speaker 10: Oh my god, I gotta put this on hold. Hold on,
Speaker 10: I don't This is one if anybody out there has
Speaker 10: found themselves in this loop. I believe what she's saying.
Speaker 10: Social Security, John, hold on, I gotta take this.
Speaker 5: You know.
Speaker 10: I got to apologize for anybody that's driven off the
Speaker 10: road or committed suicide on this last call. It's one
Speaker 10: of these things that is so frustrating. I have a caller, Pam,
Speaker 10: and I'm going to bring her up and here's the
Speaker 10: bottom line, and I believe her. Social Security is taking
Speaker 10: out the money for Part B every month one hundred
Speaker 10: and eighty five Bucks and they've been taking out for
Speaker 10: Part B since two thousand and one. She had hip
Speaker 10: surgery done. Now she needs follow up care, medication, whatever
Speaker 10: that looks like. But when she goes to the doctor,
Speaker 10: they try to build Medicare and they're you don't have
Speaker 10: Part B, correct, Pam. Then on top of that, she
Speaker 10: has had Medicare and Social Security on the phone a
Speaker 10: three way call, and they all agree there's a problem.
Speaker 10: They're not talking to each other in other words, Pam,
Speaker 10: and please correct me if I'm wrong. But social Security
Speaker 10: is saying we are taking the money out for a
Speaker 10: Part B, and Medicare is saying we don't show that
Speaker 10: you don't have Part.
Speaker 7: B, right, correct?
Speaker 10: Okay, We're going to go back to what doc said.
Speaker 10: And I talked to John Jones during the break, and
Speaker 10: I'm going to pull him up one more time. But John,
Speaker 10: go ahead and tell me what you told me during
Speaker 10: the break. I mean, we've got all the facts straight
Speaker 10: long as Pam's not crazy, you know, and as long
Speaker 10: as she's not crazy or lying, which I don't think
Speaker 10: is a case. Who the hell would lie about this?
Speaker 10: What does she do at this point?
Speaker 20: And Pam, I'm think you know what doc originally said
Speaker 20: I'd recommend go down the local Social Security office set
Speaker 20: an appointment.
Speaker 9: I'm going and they can help me.
Speaker 10: Okay, Well, I swear to God, I don't now. Now
Speaker 10: I'm getting to the point, Pam, it doesn't matter. You've
Speaker 10: done everything. So let me ask you this. Have you
Speaker 10: called a congressman, know, called the attorney jutant? Okay? And
Speaker 10: what did the Attorney general say?
Speaker 19: They get me?
Speaker 9: Called me to call the fraud hotline?
Speaker 10: The fraud hotline? Why the fraud hotline? Mark, I don't know.
Speaker 10: I'm jumping straight down. I'm jumping straight down.
Speaker 2: Around right, I'll try to reach out to public relations
Speaker 2: with Medicare and take a stab out here.
Speaker 10: You know who else might just might And Pam, I
Speaker 10: hate to keep saying this, but I'm almost wondering if
Speaker 10: we're missing something like here's an example, like you haven't
Speaker 10: done some of the things you've said. I think the
Speaker 10: problem's truly there. But let me bring this back to
Speaker 10: reality real quick, Pam, what right now besides them telling
Speaker 10: you you don't have Part B, do you have a
Speaker 10: collection agency coming off from you? Do you have a
Speaker 10: doctor refusing to give you follow up care? Can you
Speaker 10: not get a medication. Where are we right now in this.
Speaker 9: The only place I am just trying to get it reinstated?
Speaker 2: What?
Speaker 10: But Sam, I'm going to ask you the question again.
Speaker 10: Forget about it. If if, if I don't even have
Speaker 10: to put this, someone help me. What is the problem
Speaker 10: right now? Once again, the doctor won't help you anymore.
Speaker 10: You can't get medication? What? What is the actual problem?
Speaker 9: The only the only problem I have right now? Well,
Speaker 9: I almost got refuse surgery, but you didn't.
Speaker 10: You didn't, So keep going.
Speaker 9: The only problem I have is that I cannot if
Speaker 9: I'm at jere Park be you reinstated.
Speaker 10: Oh my god, I I okay, So Susanne, I'm putting
Speaker 10: I'm putting her on hold. I don't know if I'm
Speaker 10: not clear enough. I understand that someone told you you
Speaker 10: don't have I'm gonna try one more time and then
Speaker 10: I'm going to hang my own self. So so Pam, listen,
Speaker 10: and I promise, I promise. If everything you're saying is correct,
Speaker 10: We're gonna help you.
Speaker 2: Are you being denied anything right now for medications or
Speaker 2: do anything?
Speaker 10: Are you being denied a damn thing right now? Besides
Speaker 10: just knowing in your head you don't have it. Whether
Speaker 10: that's correct or not, I don't know. But is anybody
Speaker 10: denying you care? You need no? Okay? Bam three oh
Speaker 10: three seven one three talk wow my three o three
Speaker 10: seven one three eight two five five. Don't forget. Check
Speaker 10: out the show on YouTube. Just type in Troubleshooter Network.
Speaker 10: We're live on there all the time. Of course, our
Speaker 10: podcast fifty thousand plus downloads every single month, one of
Speaker 10: the biggest in the iHeart network. Now, anyhow, let's go
Speaker 10: to Frank. Frank's got a question. Frank, you need a roof?
Speaker 10: Is that my understanding?
Speaker 17: Well, that is correct. In fact, I had called Excel
Speaker 17: rooping this this morning.
Speaker 10: Yes, and both to Carl.
Speaker 17: And we have a little bit of snow on the
Speaker 17: roof right now. I live in Monuments, so he's going
Speaker 17: to come out next week, hopefully it'll melt by then.
Speaker 10: Is this a cash pay or how are you paying
Speaker 10: for the roof cash?
Speaker 7: Oh?
Speaker 10: Okay, you don't have insurance. It's not a claim. Just
Speaker 10: out of curiosity, it's not a claim.
Speaker 17: I have Compass insurance, okay. And my policy is renewing
Speaker 17: next month, okay. And it went from sixty three hundred
Speaker 17: to ninety six hundred.
Speaker 10: Yeah, but that wasn't because of a claim. It's because
Speaker 10: he lived in Monument right or Colorado for.
Speaker 17: That Well yeah, and plus my roof is fifteen years old.
Speaker 10: Well okay, but do you have I'm just curious and
Speaker 10: I'm going to bring up Jay Brett's the owner Vicksel,
Speaker 10: But I'm a little curious on something else. Do you
Speaker 10: have an ACV policy so you would barely get any
Speaker 10: coverage anyhow?
Speaker 17: No, I have a full coverage.
Speaker 10: And if there was hail damage, you know, whether you
Speaker 10: you see it or not. But if Excel comes out there,
Speaker 10: Carlos or whatever team member comes out and they say, oh,
Speaker 10: you do have hail damage. Are you saying you wouldn't
Speaker 10: have the insurance company pay for it because it's going up.
Speaker 17: No, I'm not saying that. I guess if there was damage.
Speaker 10: I perfect, man. I just wanted to make sure on
Speaker 10: that and that I wasn't missing a reason you were
Speaker 10: paying cash because you were saying it went up basically
Speaker 10: three thousand bucks, that you might not do it, but
Speaker 10: let me lock you in. Hey, Jay, here's really the question.
Speaker 10: If he's got to pay cash, let's face it, in Colorado,
Speaker 10: be honest Jay Brett's owner Excel Roofing, how many people
Speaker 10: out of one hundred people pay cash for a roof
Speaker 10: with no insurance involved in Colorado or that deal with
Speaker 10: You give me an honest number.
Speaker 23: Okay, hey, Mark, So this is the honest answer, and
Speaker 23: it depends upon the ear back. In twenty twenty two,
Speaker 23: when there hadn't been hailed for a while, we were
Speaker 23: seeing a lot more people having to pay out of
Speaker 23: their pocket for a new row.
Speaker 10: Yeah, but what do weak because it was like sixty
Speaker 10: forty what are we talking?
Speaker 23: Yes, exactly in twenty twenty two is probably sixty percent
Speaker 23: of the people were having to pay out of their
Speaker 23: pockets got to the new roofs last year. It's been
Speaker 23: a long time because there hadn't been any hail, and
Speaker 23: there was also a lot of real estate transactions. Real
Speaker 23: estate transactions will drive these.
Speaker 10: Quite a Heck yeah they will. Heck yeah.
Speaker 23: Well, last year when there was a lot of hal,
Speaker 23: probably ninety five percent of our customers had insurance claims.
Speaker 10: Got it now? Two direct questions, two direct credits questions
Speaker 10: Bread Jay listen Number one, did you do any roofs
Speaker 10: and monument this year due to hal? Last year we.
Speaker 23: Have, and what we will do for Frank is when
Speaker 23: we go out there, we're going to inspect it. And
Speaker 23: it looks like he's got a claim, We're going to
Speaker 23: tell him to file a claim.
Speaker 3: Actually not.
Speaker 23: If not, See, that's the thing. So many people call
Speaker 23: up a roofer the riffer guard, but if not, hell hold.
Speaker 10: On, I hear the music. But here was his other question,
Speaker 10: do you guys have any promotions this time of year
Speaker 10: because you're not super busy. If he does have to
Speaker 10: pay cash, can you cut him a deal? I guess
Speaker 10: is kind of what he's asking. Are you going to
Speaker 10: be better than all the competition? Real quick, Jacobs, it's
Speaker 10: gonna cut you off.
Speaker 23: We've got some home show deals going right now, and
Speaker 23: I'm not sure Carlos tells Frank about him.
Speaker 10: I love it. If they do have deals going, Frank,
Speaker 10: we're gonna be back tomorrow