WEBVTT 1 00:00:05.280 --> 00:00:06.000 Ripped up. 2 00:00:07.559 --> 00:00:10.679 News need advice, Well you don't. 3 00:00:10.480 --> 00:00:16.039 Have come running. Just as nass as we can. 4 00:00:16.519 --> 00:00:18.800 Shooter's gonna help come. 5 00:00:19.960 --> 00:00:26.039 Dix is the Troubleshooter Show Now, Tom Martino, Hey, hey, hey. 6 00:00:25.879 --> 00:00:28.519 I'm Tom Martino, and I welcome you to the show, 7 00:00:28.600 --> 00:00:30.760 the only show of us kind anywhere, as we say, 8 00:00:31.160 --> 00:00:36.000 recovering hundreds of millions of dollars over the years in cash, merchandise, exchanges, refunds, 9 00:00:36.000 --> 00:00:40.280 and services. And if you're streaming the show, welcome. If 10 00:00:40.320 --> 00:00:43.399 you are, I just want to say this, You're gonna 11 00:00:43.439 --> 00:00:49.039 see some ugly people today, and I'm the small corner 12 00:00:49.039 --> 00:00:52.479 at the bottom. And then we got mister John Fuller, 13 00:00:52.719 --> 00:00:57.920 who's the co pilot today safety pilot. And John Fuller is, 14 00:00:57.960 --> 00:01:00.759 as you heard, our personal injury expertise, also a pretty 15 00:01:00.799 --> 00:01:04.079 good guy that we use from time to time. Mark 16 00:01:04.079 --> 00:01:08.079 and Suzanne are off to a concert and fun weekend 17 00:01:08.159 --> 00:01:14.000 for her birthday. Am I allowed to say her fiftieth birthday? 18 00:01:14.040 --> 00:01:21.519 Deputy Doc in the studio? Deputy Oh shoot, big big five? 19 00:01:21.560 --> 00:01:22.120 Oh I did? 20 00:01:23.760 --> 00:01:27.439 How old are you? Kachina? Why do woman make such 21 00:01:27.439 --> 00:01:31.239 a big deal out of age? Yeah? I was really 22 00:01:31.319 --> 00:01:31.519 or not? 23 00:01:31.959 --> 00:01:32.120 Yeah? 24 00:01:32.439 --> 00:01:34.920 You look like a baby. Honest to God, you look 25 00:01:35.040 --> 00:01:37.000 like a baby. It's really and and. 26 00:01:37.079 --> 00:01:41.239 Sus looks fifty three, but I always round up one year. 27 00:01:42.799 --> 00:01:44.640 When I told me the God's on us truth. 28 00:01:45.920 --> 00:01:48.840 If Sus told me she was thirty five, I would 29 00:01:48.879 --> 00:01:50.519 not think a second. 30 00:01:51.200 --> 00:01:54.959 No, she's not, not one second thirty. The reason why. 31 00:01:54.840 --> 00:01:58.519 You think that that I am younger than what I 32 00:01:58.560 --> 00:02:01.079 look is because I'm short, oc curly tween. 33 00:02:01.159 --> 00:02:04.400 No door, no your skin, your voice, yeah, you know 34 00:02:04.959 --> 00:02:09.439 the way you coff your hair. I'm sorry, I'm digressed anyway. 35 00:02:12.000 --> 00:02:16.840 Whatever that means waterpros dot net. I'm telling you, uh, 36 00:02:16.960 --> 00:02:19.199 he's extending some of these specials for me until he 37 00:02:19.280 --> 00:02:22.400 tells me to stop. Thirty one ninety five whole house, 38 00:02:22.879 --> 00:02:27.000 get rid of chemicals, forever chemicals, whole house conditioning and softening, 39 00:02:27.439 --> 00:02:30.800 and then water to drink reverse osmosis in the kitchen. 40 00:02:30.960 --> 00:02:34.240 I'm you will never find these prices thirty one ninety five, 41 00:02:34.400 --> 00:02:37.479 never three ninety five, never ever ever. 42 00:02:38.719 --> 00:02:40.039 You will be shocked. 43 00:02:40.080 --> 00:02:42.240 If you went to a plumber and got a bid, 44 00:02:42.639 --> 00:02:45.639 you get a bit for over fifteen grand I'm sure 45 00:02:46.280 --> 00:02:48.400 three oh three eight six, two five, five five four 46 00:02:48.520 --> 00:02:51.439 for this extraordinary deal three all three eight six, two five, five, 47 00:02:51.520 --> 00:02:55.479 five four. Well let's uh, let's talk about something John 48 00:02:55.759 --> 00:02:57.719 John Fuller our personal in direction. But oh, by the way, 49 00:02:57.759 --> 00:03:00.599 I should not exclude callers. Three three seven one three 50 00:03:00.680 --> 00:03:02.960 Talk is our local number, live and local in the 51 00:03:03.039 --> 00:03:07.439 station here, and if you call the national line, we 52 00:03:07.560 --> 00:03:10.840 get people, of course listening and downloading the podcasts thousands 53 00:03:10.879 --> 00:03:13.319 and thousands a month from all over the country, and 54 00:03:13.479 --> 00:03:15.800 of course in our backyard here. So it's three oh 55 00:03:15.879 --> 00:03:18.680 three Martino, three oh three, six two seven, eight, four 56 00:03:18.759 --> 00:03:22.759 sixty six. Now that number rings through twenty four to seven. Uh, Kachina, 57 00:03:22.840 --> 00:03:25.840 colorI sues and the risk We download them, and we 58 00:03:26.000 --> 00:03:28.639 listen to the messages, and we get you on the 59 00:03:28.680 --> 00:03:30.599 air if you leave a number, right, Kachina, that's the 60 00:03:30.680 --> 00:03:33.000 one frustration, you say. Sometimes they don't leave a number, 61 00:03:33.039 --> 00:03:35.080 and then you gotta you gotta email them, and then 62 00:03:35.120 --> 00:03:37.439 they have to email you back. And so leave a 63 00:03:37.479 --> 00:03:39.000 phone number if you want to get on the show, 64 00:03:39.159 --> 00:03:40.240 and you will not have to wait. 65 00:03:40.319 --> 00:03:40.840 That's what we do. 66 00:03:40.960 --> 00:03:43.879 We call them outbound calls. Three oh three, seven, three 67 00:03:43.960 --> 00:03:48.000 oh three Martino. Now, speaking of communication, we also take 68 00:03:48.080 --> 00:03:53.039 direct texting. Now I have a personal Google number I've 69 00:03:53.080 --> 00:03:55.319 had for years. It comes right to my cell phone 70 00:03:55.560 --> 00:03:57.599 no matter where I am, so you can text me 71 00:03:57.680 --> 00:04:00.599 on or off. The show doesn't matter. And truly it 72 00:04:00.759 --> 00:04:04.520 is a personal text. Seven four seven, nine nine nine 73 00:04:04.599 --> 00:04:09.080 fifty two eighty seven four seven nine nine nine fifty 74 00:04:09.159 --> 00:04:12.280 two eighty. That number is just a combination of weird stuff. 75 00:04:12.599 --> 00:04:14.879 Seven four seven. I like airplanes. That's a big one, 76 00:04:15.120 --> 00:04:17.360 nine nine nine because I couldn't get ten, ten, ten, 77 00:04:18.079 --> 00:04:20.759 and fifty two eighty for the mile highest city. So 78 00:04:22.920 --> 00:04:25.079 having said all of that, that's how you contact us. 79 00:04:25.639 --> 00:04:28.319 Uh So get your calls in. But I do want 80 00:04:28.360 --> 00:04:31.360 to talk to John about something very interesting. So John, 81 00:04:33.120 --> 00:04:36.120 you have an accident, you flip the plane over and 82 00:04:36.240 --> 00:04:37.600 you have passengers dangling. 83 00:04:38.040 --> 00:04:40.480 No one hurt. I mean, shoot, I shouldn't say that. 84 00:04:40.920 --> 00:04:42.399 No one died. 85 00:04:43.079 --> 00:04:46.839 You have some injuries, mostly minor. They they cough up 86 00:04:46.920 --> 00:04:49.920 thirty grand each. They say there's a no strings attached. 87 00:04:50.199 --> 00:04:52.079 Do you think there'll be any strings attached? 88 00:04:52.480 --> 00:04:54.759 Or is it the why? And why are they doing it? 89 00:04:55.959 --> 00:04:57.920 Well, they're trying to get ahead of the game on 90 00:04:58.759 --> 00:05:00.879 you know a bunch of these people kind of grouping 91 00:05:01.000 --> 00:05:03.040 up and and the benefit that they have right now 92 00:05:03.319 --> 00:05:04.199 they are has to. 93 00:05:04.240 --> 00:05:07.360 Come out, aren't they saying? We feel guilty, here's your money? 94 00:05:07.399 --> 00:05:10.079 Are But they can they can limit the you know, 95 00:05:10.800 --> 00:05:13.720 the terms I guess by not admitting anything and everything else. 96 00:05:13.800 --> 00:05:15.519 I mean, think about the reality. We don't know what 97 00:05:15.639 --> 00:05:17.720 caused that accident. We can all look at the photograph 98 00:05:18.160 --> 00:05:21.079 or the video of it and kind of make guesses 99 00:05:21.160 --> 00:05:23.319 as to what happened, but we haven't heard what the 100 00:05:23.560 --> 00:05:26.319 black box you know, showed, and and what the angle 101 00:05:26.360 --> 00:05:28.519 of descent was, and the speeds and all that stuff 102 00:05:28.560 --> 00:05:31.519 to really be able to put fault on any body 103 00:05:31.680 --> 00:05:35.560 or anything. And so once that happens, then the whole 104 00:05:35.720 --> 00:05:39.160 world of possibilities gets opened up as far as these 105 00:05:39.360 --> 00:05:42.360 these victims and these people that went through that crist 106 00:05:42.439 --> 00:05:44.720 but right now they don't have any of that. It's 107 00:05:44.839 --> 00:05:48.160 the perfect time to reach out and make a deal 108 00:05:48.240 --> 00:05:51.079 and hopefully, you know, thwart some of these claims down 109 00:05:51.120 --> 00:05:52.560 the road that are going to cost a lot more. 110 00:05:54.000 --> 00:05:56.480 But do you but I almost feel like coming up 111 00:05:56.519 --> 00:05:59.879 with thirty grand the next day or within a week 112 00:06:00.600 --> 00:06:03.439 just almost screams, come come after me for some more money. 113 00:06:03.839 --> 00:06:05.240 I don't know why that does. 114 00:06:05.720 --> 00:06:08.839 I okay, but listen the cause I'm not an airline 115 00:06:08.959 --> 00:06:13.199 or aviation expert by no means, but by limited knowledge, 116 00:06:13.279 --> 00:06:15.800 my limited knowledge. Truly, that's a heavy plane and it 117 00:06:15.920 --> 00:06:17.560 was coming in with wind shear, and I think it 118 00:06:17.680 --> 00:06:19.480 lost its head when and dropped. 119 00:06:19.759 --> 00:06:21.839 And when it dropped, I think a gear collapse. 120 00:06:21.920 --> 00:06:23.839 When the gear collapse went down on the wing, the 121 00:06:23.920 --> 00:06:27.759 wing dissevered and the momentum kept it going over. That's 122 00:06:27.839 --> 00:06:30.639 my just my feeling, and you're you're probably gonna find 123 00:06:30.680 --> 00:06:34.639 that out. You know something else though, I want to 124 00:06:34.680 --> 00:06:41.399 ask you, John, if I'm hanging upside down, I unhook it, 125 00:06:42.439 --> 00:06:46.759 fall to the ceiling, get out, and literally have no injuries, 126 00:06:47.959 --> 00:06:49.279 can I sue for trauma? 127 00:06:49.680 --> 00:06:50.079 Of course? 128 00:06:51.839 --> 00:06:54.680 I mean is that gonna In other words, is there 129 00:06:54.680 --> 00:06:58.439 a PI suit PI suit for every passenger? 130 00:06:58.639 --> 00:07:00.879 I think does every passenger have a case? 131 00:07:01.120 --> 00:07:04.120 Listen. I'm not saying it's a super you know, high 132 00:07:04.240 --> 00:07:06.040 value deal, but I think every. 133 00:07:05.920 --> 00:07:10.399 Passenger I'm asking you, I think they all have a case. 134 00:07:10.519 --> 00:07:13.240 I think every passenger can rightfully claim that they were 135 00:07:13.279 --> 00:07:17.600 the victim of negligent infliction, of emotional distress and all 136 00:07:17.639 --> 00:07:20.279 of the stuff that goes along with being in a crash. 137 00:07:20.639 --> 00:07:24.800 Hanging upside down, flames, smoke, stuff being shot all over 138 00:07:24.879 --> 00:07:28.040 the place. It's a very scary event that they went through. 139 00:07:28.279 --> 00:07:30.360 And if it later turns out that it was pilot 140 00:07:30.480 --> 00:07:35.879 error or something that somebody did wrong, then absolutely they're 141 00:07:35.920 --> 00:07:36.680 going to be lined up. 142 00:07:36.720 --> 00:07:37.519 I don't know how. 143 00:07:38.480 --> 00:07:46.199 I don't know what they would if wind shearing. 144 00:07:43.279 --> 00:07:44.920 When you're just guessing on the wind shear, there was 145 00:07:44.959 --> 00:07:47.240 a thirty degree quarter of a cross wind at that time, 146 00:07:47.839 --> 00:07:49.920 and maybe there's windshield, I don't know. 147 00:07:50.360 --> 00:07:53.000 Did you notice I used the words you know, he's 148 00:07:53.079 --> 00:07:54.360 taken on mark all of a sudden. 149 00:07:54.519 --> 00:07:55.199 Did you notice I. 150 00:07:55.319 --> 00:07:58.319 Used the word if if? Yes, if, But we don't 151 00:07:58.360 --> 00:07:59.439 know that if. 152 00:07:59.279 --> 00:08:01.360 There was this, if there was this wind shehar that 153 00:08:01.560 --> 00:08:04.959 caused a sudden loss of headwind. If there was and 154 00:08:05.120 --> 00:08:07.839 it was determined, let's say, let's say the doppler and 155 00:08:07.879 --> 00:08:10.839 everything shows it, it's you still are going to have 156 00:08:10.920 --> 00:08:15.319 attorney saying well, you should have been coming in faster 157 00:08:15.519 --> 00:08:17.680 because of it, or you should have compensated for it, 158 00:08:17.920 --> 00:08:18.279 or whatever. 159 00:08:18.759 --> 00:08:21.879 I mean, so, really, when would it not be? When 160 00:08:21.920 --> 00:08:22.759 would it not be. 161 00:08:22.879 --> 00:08:24.759 On the airline? I want you to give me a 162 00:08:24.839 --> 00:08:29.959 scenario if an if scenario when would it not be 163 00:08:30.240 --> 00:08:30.959 on the airline. 164 00:08:33.440 --> 00:08:35.759 I can't really think of a scenario where it wouldn't 165 00:08:35.759 --> 00:08:38.360 be on the airline unless it was a mechanical failure 166 00:08:38.440 --> 00:08:41.879 that had nothing to do with the airline itself and 167 00:08:42.399 --> 00:08:45.679 strictly with a you know, an outside repair company or something. 168 00:08:45.879 --> 00:08:48.360 And even then faster, yeah, even then they're going to 169 00:08:48.399 --> 00:08:50.840 point back to the lack of the protocols that would 170 00:08:50.840 --> 00:08:54.679 have discovered the mistake or I mean, you know exactly, 171 00:08:54.799 --> 00:08:56.399 I can't really think of a way that you're not 172 00:08:56.519 --> 00:09:00.200 going to rope in the carrier, and you know, in 173 00:09:00.360 --> 00:09:04.240 some way, just out of you know, caution, you're gonna 174 00:09:04.279 --> 00:09:07.159 name them as well, all. 175 00:09:07.120 --> 00:09:08.720 Right, And that's John Fuller, by the way. 176 00:09:09.559 --> 00:09:12.879 He's our fill in and also our expert on all 177 00:09:13.000 --> 00:09:17.120 kinds of personal injury stuff. So on this thirty grand. 178 00:09:17.559 --> 00:09:19.720 To me, they're gonna be sued anyway. They're all good, 179 00:09:19.720 --> 00:09:21.559 they're going to pay out. I have no idea what 180 00:09:21.639 --> 00:09:24.240 the thirty grand, unless it might they figure, Look, if 181 00:09:24.279 --> 00:09:29.000 this thirty grand dissuades one person from suing us because 182 00:09:29.039 --> 00:09:31.200 they feel better, they feel that's enough, or they didn't 183 00:09:31.200 --> 00:09:35.480 get any energury, maybe may I ask something John, we 184 00:09:35.639 --> 00:09:39.840 hear this all the time, this expression ambulance chaser, and 185 00:09:41.080 --> 00:09:45.320 and you know, it's obviously used to disparage personal injury attorneys. 186 00:09:46.039 --> 00:09:50.360 And what I want to know is this, are there 187 00:09:50.519 --> 00:09:54.120 attorneys that will have people soliciting or is that against 188 00:09:54.120 --> 00:09:56.960 the rules? I mean literally calling these people or finding 189 00:09:56.960 --> 00:10:00.440 out who they are, or dropping flowers by or you know, 190 00:10:01.960 --> 00:10:03.759 does that go on or is that just more of 191 00:10:03.799 --> 00:10:06.200 a myth, an urban legend, so to speak. 192 00:10:06.519 --> 00:10:09.200 I've heard about it. I mean, I've heard about that 193 00:10:09.320 --> 00:10:12.039 kind of stuff. I don't obviously I don't do any 194 00:10:12.039 --> 00:10:14.360 of those kind of things, and I don't know anybody 195 00:10:14.480 --> 00:10:18.440 that does those things. But you know, with that being said, 196 00:10:18.600 --> 00:10:21.960 there are certainly people that seem to get you know, 197 00:10:22.159 --> 00:10:24.360 a lot of certain kinds of cases and stuff that 198 00:10:24.440 --> 00:10:27.279 you have to wonder. So I don't know, I mean, 199 00:10:27.360 --> 00:10:30.279 everybody's searching for an angle and somebody to refer cases 200 00:10:30.360 --> 00:10:33.559 and stuff. So anything is within the realm of possibilities. 201 00:10:33.639 --> 00:10:36.879 But it is not permitted to go out and solicit cases. 202 00:10:37.320 --> 00:10:39.159 I frequently, you know, you can ask. 203 00:10:39.519 --> 00:10:41.840 What does that mean? What does that mean? It's not permitted? 204 00:10:42.039 --> 00:10:44.360 Is it against the law or is it the bar 205 00:10:44.639 --> 00:10:47.639 or what? Yeah, it's the state bar and the ethics 206 00:10:47.720 --> 00:10:50.559 rules that we have to live by. We can't go 207 00:10:50.960 --> 00:10:53.240 hang out in the emergency room and just wait for 208 00:10:53.519 --> 00:10:55.320 you know, for people that are banged up to come 209 00:10:55.399 --> 00:10:58.639 running through the front door. That's not allowed. I mean, 210 00:10:58.720 --> 00:11:02.480 it's it's strictly not loud. And so, you know, Susanne 211 00:11:02.480 --> 00:11:04.080 and them call me all the time. It's like, hey, 212 00:11:04.159 --> 00:11:06.159 we had this great call on the show. Why don't 213 00:11:06.159 --> 00:11:07.840 you call them up? And it's like, I can't do that. 214 00:11:08.240 --> 00:11:10.759 I can't call these people and just solicit, okay, the 215 00:11:10.840 --> 00:11:12.759 business out of the blue. They have to call me. 216 00:11:14.360 --> 00:11:17.080 I got another text on this. I got actually two 217 00:11:17.200 --> 00:11:20.279 or three. This is a popular really it just lit 218 00:11:20.360 --> 00:11:22.399 up a second. But first I need to take a 219 00:11:22.440 --> 00:11:24.399 break on Tom Martino three or three, seven one three 220 00:11:24.480 --> 00:11:26.759 talks seven or three two, five to five one clear choice. 221 00:11:26.799 --> 00:11:28.960 Garage doors. Listen, let me tell you something. 222 00:11:29.200 --> 00:11:31.679 I had a door that wouldn't close one night and 223 00:11:31.799 --> 00:11:34.919 it was like approaching midnight. They come out twenty four 224 00:11:34.919 --> 00:11:37.639 to seven with any kind of an emergency. People don't 225 00:11:37.639 --> 00:11:39.759 think of garage doors as having emergencies. By the way, 226 00:11:39.840 --> 00:11:42.360 all of their prices are fully disclosed. If you want 227 00:11:42.399 --> 00:11:44.399 to have them do a new door, a new opener, 228 00:11:44.440 --> 00:11:46.200 any part of the door, any part of the opener. 229 00:11:46.279 --> 00:11:48.559 I really love these guys that've been associated with them 230 00:11:48.559 --> 00:11:53.039 for years. One clear choice doors dot com seven two 231 00:11:53.159 --> 00:11:58.720 zero three seven zero thirty nine eighty seven. 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I'm Tom Artino, your troubleshooter three oh 243 00:12:32.960 --> 00:12:36.840 three seven one three talk seven one three eight two 244 00:12:37.120 --> 00:12:40.960 five five. When are you ready to take the plunge 245 00:12:41.399 --> 00:12:45.879 for electric cars? I'm just curious. I asked that I 246 00:12:46.080 --> 00:12:50.840 hear that NASCAR in the very near future, I mean 247 00:12:51.000 --> 00:12:54.399 very near, meaning not tomorrow or this year or next year, but. 248 00:12:54.639 --> 00:12:56.200 They're going all ev. 249 00:12:57.519 --> 00:13:00.720 Even NASCAR has said, oh wait, or has Michael Brown 250 00:13:01.039 --> 00:13:01.360 put it? 251 00:13:01.480 --> 00:13:06.600 They're going zero net zero emissions or something. 252 00:13:06.720 --> 00:13:09.639 Maybe maybe that's tricky speech for we're gonna buy some 253 00:13:10.559 --> 00:13:13.240 I don't know, some offsetting credits. Do they still do 254 00:13:13.360 --> 00:13:17.879 that scam where you can buy credits to offset your guilt? 255 00:13:19.679 --> 00:13:23.759 Did you know that for cheating husbands? They have credits 256 00:13:23.840 --> 00:13:27.039 you can buy now, So if you're gonna cheat on 257 00:13:27.080 --> 00:13:31.120 your wife, called jewelry in it in advance through the 258 00:13:31.240 --> 00:13:35.399 jewelry and flowers or acts of kindness, and basically it 259 00:13:35.600 --> 00:13:41.200 just builds up credit. That's how ridiculous I feel credits are. 260 00:13:41.320 --> 00:13:44.559 There's it's absolutely stupid. You're saying, I'm going to do 261 00:13:44.639 --> 00:13:46.559 some extra good so I can do some extra bad 262 00:13:46.639 --> 00:13:49.759 so my net bad is not bad. I mean, isn't 263 00:13:49.759 --> 00:13:50.559 that really what they're saying. 264 00:13:50.559 --> 00:13:54.440 I don't think that's the way it works. I don't 265 00:13:54.440 --> 00:13:58.159 think you can just well stock the old credit. 266 00:13:58.360 --> 00:13:58.519 You know. 267 00:13:58.960 --> 00:14:00.720 Actually, see, it's not. 268 00:14:00.879 --> 00:14:04.279 That far off they you know, I'm not kidding, it's 269 00:14:04.320 --> 00:14:07.360 not that far off. You you do you buy something 270 00:14:07.399 --> 00:14:10.039 like like you buy trees or or you pay for 271 00:14:10.759 --> 00:14:13.399 certain uh things to offset. 272 00:14:14.519 --> 00:14:16.320 Yeah, but now you're venturing down the road of like 273 00:14:16.440 --> 00:14:19.559 these carbon credits and stuff, and you're sounding very algorish, 274 00:14:20.240 --> 00:14:23.000 and you know this idea that you can I know, 275 00:14:23.159 --> 00:14:25.519 but who are you paying this money to and what 276 00:14:25.679 --> 00:14:27.360 does it do and how does it buy. 277 00:14:27.240 --> 00:14:30.000 You the I don't know. I'm not advocating leer. 278 00:14:29.919 --> 00:14:33.639 Jet is dumping eighteen thousand tons of carbon between here 279 00:14:33.759 --> 00:14:35.840 and Davos, Switzerland, you know. 280 00:14:36.799 --> 00:14:39.879 And I'll have you know, I'll have you know that 281 00:14:40.039 --> 00:14:41.639 my lear jet doesn't burn near that. 282 00:14:42.000 --> 00:14:44.120 Well that's three L three set it really warm to 283 00:14:44.159 --> 00:14:44.879 the heart, you know. 284 00:14:46.279 --> 00:14:48.519 Yeah, seven one three, eight two five five. For those 285 00:14:48.600 --> 00:14:51.440 listening by the way, or who don't know us, that's 286 00:14:51.519 --> 00:14:52.679 not I don't have a lear jet. 287 00:14:52.879 --> 00:14:57.440 Okay, it's a citation, Okay. 288 00:14:57.600 --> 00:15:02.559 So I I wanted to talk about personal injury on 289 00:15:03.120 --> 00:15:07.279 the Kulda would have should have. I'm not this is 290 00:15:07.320 --> 00:15:09.960 all going to be like nameless. And it wasn't John Fuller, 291 00:15:10.000 --> 00:15:13.480 but it was many years ago. There was a time 292 00:15:13.559 --> 00:15:18.559 there was an infant, an infant who there's something with 293 00:15:18.759 --> 00:15:22.320 medicine messed up. It didn't hurt the baby at all 294 00:15:23.879 --> 00:15:28.399 at all, but there were some tense moments and the 295 00:15:28.480 --> 00:15:30.159 baby was given some kind of drops. 296 00:15:31.440 --> 00:15:35.320 Here here was the gist of the story is that 297 00:15:35.559 --> 00:15:37.320 the mom was so. 298 00:15:37.519 --> 00:15:43.480 Upset and the attorney says, look, you're not going to sue. 299 00:15:43.559 --> 00:15:44.240 Nothing happened. 300 00:15:45.440 --> 00:15:46.600 And in this case. 301 00:15:48.200 --> 00:15:50.840 And John, afterwards, I'll give you the name and all that, 302 00:15:51.039 --> 00:15:56.840 but it what they did was they sued on the 303 00:15:57.000 --> 00:16:01.240 fright that that mom went through. And it was a 304 00:16:01.360 --> 00:16:02.000 could have, should have? 305 00:16:02.039 --> 00:16:04.080 Would it not not would have? But yeah, well if 306 00:16:04.120 --> 00:16:06.320 you would have done it right, But it's like what 307 00:16:06.519 --> 00:16:09.240 could have? What could have? And she actually want some 308 00:16:09.320 --> 00:16:09.720 money on that. 309 00:16:09.879 --> 00:16:14.600 Surprise you, John, you know, depending on I said, how 310 00:16:14.639 --> 00:16:17.879 did it work out for him? Well, she won, Yeah, 311 00:16:18.000 --> 00:16:21.279 depending on the jurisdiction. I mean, listen, that is not 312 00:16:21.399 --> 00:16:23.879 a case that I would take And I and and 313 00:16:24.000 --> 00:16:26.559 that exact same thing happened to my sister. She was 314 00:16:27.000 --> 00:16:29.440 she she had a prescription to pick up for her child. 315 00:16:30.080 --> 00:16:32.360 She went and picked it up, went home, gave it 316 00:16:32.440 --> 00:16:34.360 to her child, and then found out that it was 317 00:16:34.480 --> 00:16:39.960 the wrong drug in the prescription bottle. And thankfully fortunately 318 00:16:40.440 --> 00:16:44.399 nothing happened. But she was beside herself mad And I 319 00:16:44.559 --> 00:16:47.159 just said, no, it's just not a case that I'm 320 00:16:47.159 --> 00:16:49.600 willing to take on. I think a lot of juries 321 00:16:49.639 --> 00:16:53.720 are like, well, nothing happened, you know, move on, and 322 00:16:54.120 --> 00:16:56.639 they're just you know, that's just And I don't really 323 00:16:56.720 --> 00:16:59.559 have a problem with that. I mean, I'm not saying 324 00:16:59.600 --> 00:17:02.639 there would be a case sometime somewhere where that would 325 00:17:02.679 --> 00:17:06.359 be a legit claim, but just just on the face, 326 00:17:06.960 --> 00:17:08.359 it's not a case that I would take on. 327 00:17:10.359 --> 00:17:15.440 Okay, all right, but there are cases where they get 328 00:17:15.519 --> 00:17:18.799 a jury incensed even though there were no there was 329 00:17:18.839 --> 00:17:22.799 no permanent damage on how casual they were. There was 330 00:17:22.920 --> 00:17:26.400 one another one that stands out John years ago, this 331 00:17:26.559 --> 00:17:29.640 woman slipped and fell at a supermarket. It was an 332 00:17:29.720 --> 00:17:34.079 obvious bull crap thing, but she was upset with how. 333 00:17:34.039 --> 00:17:35.200 The manager reacted. 334 00:17:35.559 --> 00:17:38.759 Okay, her actual injuries didn't turn out to be that bad, 335 00:17:39.160 --> 00:17:42.440 but she was so incensed that the manager was so 336 00:17:42.680 --> 00:17:46.440 casual and almost disrespectful, and I think she was trying 337 00:17:46.440 --> 00:17:49.359 to play a race card, but I'm not sure. But 338 00:17:49.559 --> 00:17:52.599 she did get an attorney to take the case, and 339 00:17:52.799 --> 00:17:56.960 he said on the show, oh yeah, we can do 340 00:17:57.079 --> 00:17:59.279 something with this. You know, I don't know what the 341 00:17:59.319 --> 00:18:04.200 outcome was, but I often said most lawsuits are out 342 00:18:04.240 --> 00:18:07.079 of anger, and good attorneys disregard anger. 343 00:18:07.880 --> 00:18:11.200 But Tom, I can tell you doesn't there have to 344 00:18:11.279 --> 00:18:14.839 be in a company injury, not just an insult to injury, 345 00:18:15.160 --> 00:18:15.799 so to speak. 346 00:18:17.240 --> 00:18:20.599 In my world, yes, absolutely, I have gotten that call 347 00:18:20.920 --> 00:18:23.079 at least twenty times Tom over the years. 348 00:18:23.079 --> 00:18:26.119 Okay, I'm glad that. Okay, So you do know people 349 00:18:26.240 --> 00:18:30.279 do that. They get angry by by reactions as they get. 350 00:18:30.240 --> 00:18:32.519 Mad, and it's like the next question as well, where 351 00:18:32.559 --> 00:18:34.559 you're hurt, Well no, but that's not the point. And 352 00:18:34.640 --> 00:18:38.079 it's like, that's exactly the point. You're not hurt, and 353 00:18:38.160 --> 00:18:42.319 that's a necessary ingredient for the you know, a negligence 354 00:18:42.440 --> 00:18:44.279 action or premisis's liability action. 355 00:18:44.559 --> 00:18:46.519 And John will tell you so a lot of the 356 00:18:46.640 --> 00:18:51.240 times of communication, we as physicians have to in order 357 00:18:51.279 --> 00:18:55.880 to continue our malpractice insurance, we have to take courses 358 00:18:56.359 --> 00:19:00.920 on how to deal with bad outcomes, computing, hating with patients, 359 00:19:00.960 --> 00:19:06.559 accept the responsibility and it significantly lowers the chances of 360 00:19:06.680 --> 00:19:09.599 being sued if it's a minor incident. 361 00:19:09.680 --> 00:19:11.599 Don't you agree, John, Isn't that bad? They have to 362 00:19:11.680 --> 00:19:13.559 send them to a class to learn how to say 363 00:19:13.720 --> 00:19:14.839 I'm sorry. 364 00:19:15.319 --> 00:19:17.160 Well no, it's actually sorry. 365 00:19:17.480 --> 00:19:21.240 But it's communication is so fricking important. 366 00:19:21.279 --> 00:19:22.920 That is That is the gist of it. Is that 367 00:19:23.079 --> 00:19:26.039 most people, if you know, not everybody is just dying 368 00:19:26.079 --> 00:19:29.680 to go sue. And some people legitimately just want to 369 00:19:29.839 --> 00:19:33.559 hear the doctor say we made a mistake and that's 370 00:19:33.640 --> 00:19:36.000 the end of us. And they learned that lesson and 371 00:19:36.079 --> 00:19:38.119 they did implement it, and it was it was with 372 00:19:38.240 --> 00:19:41.200 good intentions, as good as an insurance company wanting to 373 00:19:41.279 --> 00:19:44.359 save their own money can be, you know, ascribed to it. 374 00:19:44.519 --> 00:19:47.119 But it's yeah, Hey, I don't. 375 00:19:46.960 --> 00:19:49.039 Know if this is true, but I just got a 376 00:19:49.160 --> 00:19:53.799 text saying that Tesla got wealthy or or became a 377 00:19:53.960 --> 00:20:00.319 profitable because other car manufacturers were purchasing carbon credit from 378 00:20:00.400 --> 00:20:05.799 Tesla in order to offset their own lack of building evs. 379 00:20:06.279 --> 00:20:11.279 I don't even know that's true. But is it true? 380 00:20:11.519 --> 00:20:17.160 I'm asking my boyfriend. Okay, my boyfriend said, you are 381 00:20:17.440 --> 00:20:20.960 absolutely right. Which one profitability? 382 00:20:22.000 --> 00:20:23.559 Yeah? Yeah, yeah, Chat GPT. 383 00:20:23.920 --> 00:20:26.000 I want to change it to a girl's voice like 384 00:20:26.119 --> 00:20:28.960 Gemini used to not Gemini, but co pilot used to be. 385 00:20:29.240 --> 00:20:32.839 I dropped that co pilot Microsoft Copias sucks. I like Chat, 386 00:20:33.359 --> 00:20:35.720 but he has a man's voice and I can't change it. 387 00:20:35.799 --> 00:20:37.920 So yeah, I used to call her my girlfriend. This 388 00:20:38.000 --> 00:20:41.559 is my boyfriend You're absolutely right Tesla's profitability, but his 389 00:20:42.559 --> 00:20:48.519 preferred pronouns are it and whatever piece of crap, So 390 00:20:48.519 --> 00:20:54.960 I'm done. Tesla's profitability in early years was a result 391 00:20:55.319 --> 00:20:59.920 of regulatory carbon credits they sold to other automakers. 392 00:21:00.640 --> 00:21:02.720 I never knew that many. 393 00:21:02.680 --> 00:21:09.319 Traditional car manufacturers, especially those producing gas powered vehicles, needed 394 00:21:09.400 --> 00:21:13.839 to comply with emissions regulations in various markets. Instead of 395 00:21:13.960 --> 00:21:19.880 immediately transitioning to some EV vehicles, they bought zero emission 396 00:21:20.000 --> 00:21:22.839 credits from Tesla. 397 00:21:24.000 --> 00:21:24.519 For years. 398 00:21:24.599 --> 00:21:30.839 The revenue stream actually helped Tesla remain financially viable while 399 00:21:30.880 --> 00:21:34.000 it was scaling up its EV production and losing money. 400 00:21:33.799 --> 00:21:34.359 On each car. 401 00:21:35.200 --> 00:21:36.279 Sounds like a good business. 402 00:21:36.319 --> 00:21:36.799 Think about that. 403 00:21:38.519 --> 00:21:42.400 They're losing money on each car because they wanted to, 404 00:21:42.640 --> 00:21:45.519 because they were they wanted to get in the EV business. 405 00:21:45.640 --> 00:21:47.920 But at the same time, blah blah blah, you know, 406 00:21:48.079 --> 00:21:51.319 they they were selling credits. Okay, this is pretty cool. 407 00:21:51.480 --> 00:21:53.519 We got more coming up on Tom Martino three oh three, 408 00:21:53.599 --> 00:21:56.079 seven to one three talk. By the way, we talked 409 00:21:56.079 --> 00:21:57.799 about this before, I'll talk about it again. 410 00:21:57.880 --> 00:21:59.119 Eight eight eight Heating dot com. 411 00:21:59.240 --> 00:22:02.799 Somebody asked to pacif do they have the cheapest precere assistant. 412 00:22:03.039 --> 00:22:04.880 What they mean is this, if you get a ninety 413 00:22:04.880 --> 00:22:08.039 eight percent multi stage furnace and you compare it to theirs, 414 00:22:08.079 --> 00:22:10.519 they will have the best price for high efficiency units 415 00:22:10.920 --> 00:22:13.839 and they stand behind that. So I can't be any 416 00:22:13.920 --> 00:22:15.599 more clear than that. It doesn't have to be the 417 00:22:15.680 --> 00:22:18.200 same brand. It has to be the same efficiency and 418 00:22:18.240 --> 00:22:21.079 the same actual kind of stuff. You can't compare it 419 00:22:21.119 --> 00:22:23.880 to an eighty percent, Uh, you got to compare it. 420 00:22:24.000 --> 00:22:25.480 If they have a ninety eight, you got to compare 421 00:22:25.519 --> 00:22:28.440 it to another ninety eight with the multi stage, then 422 00:22:28.519 --> 00:22:31.440 multi stage, so on and so forth. Three this is 423 00:22:31.680 --> 00:22:34.759 eighty eight heating three oh three seven seven zero two 424 00:22:34.880 --> 00:22:41.799 seven seven six. Go with a sure thing Denver's best 425 00:22:41.920 --> 00:22:44.759 roofer Excel Roofing dot com. You don't pay a cent 426 00:22:44.960 --> 00:22:51.160 until you're content. Time for an insurance checkup, free no 427 00:22:51.279 --> 00:22:55.640 obligation comparison call compass insurance paying too much your coverage 428 00:22:55.640 --> 00:22:58.279 at dozens of insurance companies find out now three oh 429 00:22:58.359 --> 00:23:00.680 three seven to seven to one help. You'll think you're 430 00:23:00.759 --> 00:23:03.279 his only customer when you choose Frank durand the real 431 00:23:03.359 --> 00:23:06.319 estate Man dot com to list your home with Remax 432 00:23:06.400 --> 00:23:17.440 Alliance three oh three nine two zero sixteen twenty two. Hi, 433 00:23:17.599 --> 00:23:19.960 Tom Martino here three oh three seven one three talk 434 00:23:20.039 --> 00:23:23.119 seven one three two five five. Okay, Marianne's on with 435 00:23:23.200 --> 00:23:25.880 a follow up. Go ahead, Marianne. You uh are you 436 00:23:25.960 --> 00:23:30.000 work with Deputy D. Deputy D's in house. Hello, Yeah, 437 00:23:30.039 --> 00:23:31.200 go ahead, I'm listening. 438 00:23:31.359 --> 00:23:31.519 Oh. 439 00:23:32.279 --> 00:23:35.960 I called the other day about problems without trash pick 440 00:23:36.079 --> 00:23:38.480 up at a condo complex. 441 00:23:39.039 --> 00:23:41.079 And you put me in teach with Dimitri. 442 00:23:42.680 --> 00:23:48.640 Yes, he and he worked miracles. Hey, he took cares 443 00:23:50.119 --> 00:23:56.039 waste connections, came and picked up al garbage. It was wonderful. 444 00:23:57.799 --> 00:23:57.960 You know. 445 00:23:58.079 --> 00:24:00.400 I'm glad you called to let us know that Depity 446 00:24:00.480 --> 00:24:03.319 D gave us an update yesterday on that. And so 447 00:24:03.480 --> 00:24:05.759 now do you think they'll start picking up regularly? 448 00:24:06.799 --> 00:24:10.319 Well, I just saw the truck leave my parking lot 449 00:24:10.440 --> 00:24:15.359 this morning, so we're out here. They were out here 450 00:24:15.519 --> 00:24:17.599 again yesterday this morning. 451 00:24:19.079 --> 00:24:22.680 So did you go around telling everyone that you were 452 00:24:23.799 --> 00:24:26.559 Did you go out and tell everybody you were responsible 453 00:24:26.640 --> 00:24:27.079 for all of this? 454 00:24:27.640 --> 00:24:28.720 By you? By you? 455 00:24:31.000 --> 00:24:37.720 I told my board, the HOA president, and next week 456 00:24:37.799 --> 00:24:40.759 we have a homeowner's meeting and I will tell them 457 00:24:40.920 --> 00:24:41.640 on the meeting. 458 00:24:43.160 --> 00:24:45.839 I didn't tell them all to the Tom Martino Show. 459 00:24:46.039 --> 00:24:47.160 She should get an. 460 00:24:48.680 --> 00:24:49.759 I'm going to do the dinger. 461 00:24:49.839 --> 00:24:52.839 Don't tell me how to use my dinger and listen, Marianne, 462 00:24:52.920 --> 00:24:53.519 here's the deal. 463 00:24:54.079 --> 00:24:55.960 I want you to tell everyone to listen to the 464 00:24:56.079 --> 00:24:57.119 Tom Martino Show. 465 00:24:58.039 --> 00:24:58.480 Oh I do. 466 00:24:58.720 --> 00:24:59.920 I do that all the time. 467 00:25:01.960 --> 00:25:02.279 Good. 468 00:25:02.359 --> 00:25:04.279 I'm so happy, and. 469 00:25:04.279 --> 00:25:06.839 I want to give you what Deputy Doc was saying. 470 00:25:07.599 --> 00:25:09.640 Deputy Doc was saying, I should give you the dinger. 471 00:25:09.720 --> 00:25:12.480 What that means is this, we have a dinger like 472 00:25:12.519 --> 00:25:16.519 a winner sound when people have good success on the show. 473 00:25:16.640 --> 00:25:20.599 Here it goes now dog gone it never mind. I'm 474 00:25:20.680 --> 00:25:21.279 just so tired. 475 00:25:21.880 --> 00:25:24.039 Okay, just when I need my dinger, it lets me down. 476 00:25:24.079 --> 00:25:25.720 And I had it all working, not working. 477 00:25:26.039 --> 00:25:26.920 It normally works. 478 00:25:27.200 --> 00:25:31.519 No, you know, at seventy one, you know sometimes, Marianne, 479 00:25:31.640 --> 00:25:32.839 the dinger doesn't always work. 480 00:25:32.839 --> 00:25:33.839 I'm gonna be honest with you. 481 00:25:34.599 --> 00:25:36.960 You know what feeling. 482 00:25:40.119 --> 00:25:40.480 Okay? 483 00:25:41.240 --> 00:25:45.839 Now, yeah, man, I'm telling you sometimes I just get 484 00:25:46.799 --> 00:25:48.200 this technology craft. 485 00:25:48.359 --> 00:25:51.200 Okay. So, Adam, what's happening with you? Adam? 486 00:25:52.240 --> 00:25:54.400 So I talked to you the other day about lantac 487 00:25:54.519 --> 00:25:57.839 Is here in Pueblo, West, how they changed Wait a minute, 488 00:25:58.079 --> 00:25:58.960 wait a minute, what what. 489 00:25:59.400 --> 00:25:59.839 Was it about? 490 00:26:00.079 --> 00:26:00.319 Well, was. 491 00:26:00.359 --> 00:26:03.440 It was about property taxes and extra land, right, And 492 00:26:04.200 --> 00:26:06.359 I think I remember talking to you and I said 493 00:26:06.839 --> 00:26:11.960 something about Adam that if the lot was together, they 494 00:26:12.160 --> 00:26:16.160 the extra land is is should be part of the 495 00:26:16.240 --> 00:26:20.079 original homestead. But if it's a separate lot, they tax 496 00:26:20.200 --> 00:26:21.880 it as a vacant lot. 497 00:26:22.799 --> 00:26:25.480 Okay, So let me just throw this out there. Since then, 498 00:26:25.599 --> 00:26:28.279 I've done some research in looking into it, and I'm 499 00:26:28.319 --> 00:26:30.079 just going to give you two examples. I got two 500 00:26:30.759 --> 00:26:33.559 properties of neighbors that live within eye sight of me. 501 00:26:34.200 --> 00:26:37.440 One of them have the exact same as me house 502 00:26:37.519 --> 00:26:41.279 on one lot totally fenced in vacant land. Next door, 503 00:26:41.960 --> 00:26:44.880 his lot was right, not changed, stayed at seven and 504 00:26:44.920 --> 00:26:47.119 a half percent cross. 505 00:26:47.200 --> 00:26:49.519 Okay, but let me let me let me ask you something. 506 00:26:49.720 --> 00:26:51.480 This is real quick. I need to ask you something. 507 00:26:51.799 --> 00:26:55.720 So that neighbor you're talking about, he's got two separate lots. 508 00:26:56.440 --> 00:26:58.920 He lives in one on one of the lots in 509 00:26:59.000 --> 00:27:04.920 a home, right, correct, And the other lot is totally vacant. 510 00:27:05.720 --> 00:27:08.079 Yep, not a thing on it. He just has it 511 00:27:08.160 --> 00:27:10.200 there for a house is not built next door, just 512 00:27:10.319 --> 00:27:10.559 like me. 513 00:27:11.200 --> 00:27:14.200 And how are they and how are they classifying it? 514 00:27:14.599 --> 00:27:18.480 Are they classifying it? As part of his primary residence 515 00:27:19.400 --> 00:27:22.119 or are they classifying it as a vacant lot? 516 00:27:23.119 --> 00:27:25.400 So when I just got off the phone with the 517 00:27:25.480 --> 00:27:27.000 assessor's office. 518 00:27:27.119 --> 00:27:29.839 They no, No, this other neighbor. How are they doing 519 00:27:30.039 --> 00:27:31.599 his lot, his extra. 520 00:27:31.440 --> 00:27:34.359 Lot classifying it as a residential lot. 521 00:27:35.880 --> 00:27:38.000 Well, then that would be a pretty high tax. 522 00:27:38.920 --> 00:27:41.200 No, it is the same seven and a half percent. 523 00:27:41.680 --> 00:27:44.480 It's the vacant land taxes at the twenty seven and 524 00:27:44.519 --> 00:27:45.200 a half percent. 525 00:27:46.519 --> 00:27:49.559 Oh you mean the vacant land meaning what's the okay? 526 00:27:49.640 --> 00:27:51.480 I want you to tell me, and I hope you 527 00:27:51.640 --> 00:27:54.079 tell me when you talk to them, you found out 528 00:27:54.119 --> 00:27:57.920 the difference between vacant land and a vacant lot. 529 00:27:58.119 --> 00:28:00.200 Go ahead, They don't have. 530 00:28:00.240 --> 00:28:03.519 A difference between a vacant land and a vacant lot. Basically, 531 00:28:03.680 --> 00:28:06.960 they had one person at the assessor's office that hand 532 00:28:07.079 --> 00:28:10.160 picked eight hundred and seventy lots that they changed the 533 00:28:10.240 --> 00:28:14.920 evaluation on. They couldn't give me any claim. 534 00:28:15.000 --> 00:28:17.359 Well, then you're going to win. Then you're going to win. 535 00:28:17.559 --> 00:28:19.279 And do you know how easy it is to do? 536 00:28:19.359 --> 00:28:21.079 You know how to challenge an assessment? 537 00:28:21.200 --> 00:28:21.319 Right? 538 00:28:22.319 --> 00:28:25.440 So if I do an abatement, they say that the 539 00:28:25.559 --> 00:28:30.279 only thing I could argue in the abatement is the right, 540 00:28:30.599 --> 00:28:33.759 like the way that the taxes is given to me. 541 00:28:34.039 --> 00:28:38.039 I can't fight the classification of the land that they 542 00:28:38.200 --> 00:28:39.480 changed the only way. 543 00:28:39.400 --> 00:28:39.720 I could have. 544 00:28:40.000 --> 00:28:42.920 Well, that's not that's not true, Adam, you're not getting 545 00:28:42.960 --> 00:28:46.160 accurate information. Let me explain something, and we do have 546 00:28:46.519 --> 00:28:50.680 ed Tomlinson who wrote the book over text, and he 547 00:28:50.880 --> 00:28:56.680 wrote how to, how to you know, reject or protest 548 00:28:56.920 --> 00:29:01.599 or contest the assessments and even the taxes and the bills. 549 00:29:02.119 --> 00:29:05.599 And each level you go up, the consumer is more successful. 550 00:29:06.359 --> 00:29:08.599 The first level they usually turn you down and they 551 00:29:08.680 --> 00:29:10.960 tell you ridiculous things like that, we're not going to 552 00:29:11.039 --> 00:29:13.799 take this, We're not going to take that. The second level, 553 00:29:13.839 --> 00:29:16.519 they're a little more amenable. The third level you almost 554 00:29:16.559 --> 00:29:18.680 always win unless you're ridiculous. 555 00:29:18.920 --> 00:29:20.240 But what you're saying. 556 00:29:20.359 --> 00:29:24.319 Doesn't sound ridiculous to me. I don't understand this. Why 557 00:29:24.400 --> 00:29:29.480 would one lot, a separate residential lot in that subdivision 558 00:29:30.000 --> 00:29:33.079 be taxes seven and a half percent and another one 559 00:29:33.119 --> 00:29:34.079 at twenty five percent? 560 00:29:34.200 --> 00:29:34.759 I don't get it. 561 00:29:35.359 --> 00:29:37.240 I don't get it either. And what I was going 562 00:29:37.319 --> 00:29:39.839 to tell you is the lady across the street has 563 00:29:40.039 --> 00:29:43.000 three lots, one on each side of her. One of 564 00:29:43.079 --> 00:29:45.759 hers was changed to twenty seven and a half percent 565 00:29:46.079 --> 00:29:48.079 and the other is it seven and a half percent? 566 00:29:48.640 --> 00:29:52.119 No, no, okay, that's absolutely wrong. And you know what, 567 00:29:52.400 --> 00:29:55.799 we need someone to look into this now. You know, 568 00:29:56.359 --> 00:29:58.759 I don't know how did we leave our last conversation. 569 00:29:59.000 --> 00:30:01.200 Did I assign this anyone or what? How did we 570 00:30:01.279 --> 00:30:02.559 believe you forgot that. 571 00:30:02.960 --> 00:30:05.200 I probably have to pay the tax because they had 572 00:30:05.240 --> 00:30:07.279 the right to change the evaluation. 573 00:30:07.720 --> 00:30:11.000 They do, hold on, they do have the right. 574 00:30:11.839 --> 00:30:15.920 Let me explain what I meant. They can change, you know, 575 00:30:16.319 --> 00:30:19.039 as a municipality, they can change their mill levees and 576 00:30:19.079 --> 00:30:22.440 all of that, but they have to be consistent. I 577 00:30:22.519 --> 00:30:25.720 mean what I'm saying is they could say to people, 578 00:30:26.279 --> 00:30:29.319 For example, a lot of people were trying to get 579 00:30:30.240 --> 00:30:35.000 a residential lot oversized so they pay one assessment and 580 00:30:35.119 --> 00:30:39.400 one rate. But then some counties came in and said, 581 00:30:39.920 --> 00:30:46.440 that's not an oversize lot. That is a separate residential lot. 582 00:30:46.720 --> 00:30:51.559 And if it's a separate residential lot, then you're going 583 00:30:51.640 --> 00:30:54.160 to pay a higher tax than if it was simply 584 00:30:54.319 --> 00:30:58.079 extra land that you have on your own lot. Adam, 585 00:30:58.160 --> 00:31:00.480 it doesn't matter, it doesn't apply in your case. But 586 00:31:00.680 --> 00:31:03.000 that's what I thought they were doing. I thought they 587 00:31:03.039 --> 00:31:06.799 were telling you, hey, Adam, it's since you never built 588 00:31:06.880 --> 00:31:09.039 on it and it's been there forever, we're going to 589 00:31:09.079 --> 00:31:12.480 classify it as Oh no, excuse me, just the opposite. 590 00:31:13.000 --> 00:31:14.039 They should have said to you. 591 00:31:14.640 --> 00:31:17.440 Uh, we're going to classify it as a separate residential 592 00:31:17.519 --> 00:31:20.200 lot and the other one. I don't know why the 593 00:31:20.359 --> 00:31:22.880 vacant land thing came into effect. It sounds like they 594 00:31:22.920 --> 00:31:25.160 have no rhyme or reason. Hey, can what if you 595 00:31:25.240 --> 00:31:28.720 guys make a call down there? Hold on, man, hold on, 596 00:31:28.759 --> 00:31:30.319 I got to take a break. Three oh three, seven 597 00:31:30.319 --> 00:31:32.359 to one to three, talk Adam. Hold on, I'll talk 598 00:31:32.359 --> 00:31:35.200 to you again, Bro, I will don't hang up. This 599 00:31:35.559 --> 00:31:42.839 is inconsistent. We have more coming right up. Go with 600 00:31:42.960 --> 00:31:46.359 a sure thing Denver's Best roofer Excel Roofing dot com. 601 00:31:46.559 --> 00:31:52.240 You don't pay a cent until you're content. Time for 602 00:31:52.319 --> 00:31:55.960 an insurance checkup free, no obligation. In comparison, call Compass 603 00:31:56.119 --> 00:31:59.799 insurance paying too much your coverage at dozens of insurance companies. 604 00:32:00.000 --> 00:32:02.480 Find out now three oh three seven seven to one help. 605 00:32:02.680 --> 00:32:05.319 You'll think you're his only customer when you choose Frank 606 00:32:05.400 --> 00:32:07.799 durand the real estate man dot com to list your 607 00:32:07.880 --> 00:32:11.000 home with Remax Alliance three oh three nine two zero 608 00:32:11.119 --> 00:32:17.720 sixteen twenty two. Hey, I'm Tom Martino, your troubleshooter three 609 00:32:17.759 --> 00:32:20.000 oh three seven one three talk seven one three five. 610 00:32:20.240 --> 00:32:20.480 Adam. 611 00:32:20.519 --> 00:32:24.759 I have a quick question, Adam, forget the vacant lot 612 00:32:24.799 --> 00:32:26.200 next to you. I just want to ask you, what 613 00:32:26.519 --> 00:32:29.799 is your house assess at what percentage? 614 00:32:30.400 --> 00:32:31.400 Seven and a half percent? 615 00:32:32.839 --> 00:32:37.960 Okay, So on some on some residential properties, they're assessing 616 00:32:38.400 --> 00:32:41.880 the lot next to it, which is a vacant residential lot, 617 00:32:42.319 --> 00:32:45.119 the same way they would if there was a house 618 00:32:45.200 --> 00:32:47.960 on it, at seven and a half percent. But in 619 00:32:48.160 --> 00:32:52.480 some in some cases, they're taking the vacant lot and 620 00:32:52.559 --> 00:32:55.680 they're saying, no, this is raw land, and so we 621 00:32:55.839 --> 00:32:59.000 are going to charge you more. And that makes zero 622 00:32:59.200 --> 00:33:02.759 sense to me. Now, didn't you say last time, though, Adam, 623 00:33:03.240 --> 00:33:05.880 wasn't there some kind of weird case with you where 624 00:33:06.119 --> 00:33:11.759 your particular was there something where it hadn't been built 625 00:33:11.799 --> 00:33:13.599 on or you don't plan to build on it? Ever, 626 00:33:13.839 --> 00:33:15.519 wasn't there something to do with intent? 627 00:33:17.160 --> 00:33:19.200 There is nothing to do with intent. No, they have 628 00:33:19.359 --> 00:33:21.799 no idea of no intent. I have to do with 629 00:33:21.880 --> 00:33:23.880 the land. It is just a purchase piece of land 630 00:33:24.480 --> 00:33:27.039 between me and the person that lives there. So nobody 631 00:33:27.119 --> 00:33:27.880 puts the house there. 632 00:33:29.000 --> 00:33:32.640 And they are on a survey two separate pieces of land. 633 00:33:33.240 --> 00:33:35.160 They are two separate pieces of land. 634 00:33:35.279 --> 00:33:39.079 Yes, correct, Like you would be lot if you looked 635 00:33:39.079 --> 00:33:41.880 at the if you looked at the platt. Oh well 636 00:33:41.960 --> 00:33:43.440 you just told me that, then two separate. 637 00:33:43.720 --> 00:33:45.960 So if you look at the plat the subdivision, you 638 00:33:46.000 --> 00:33:48.039 would be lot number six, and that could be lot 639 00:33:48.119 --> 00:33:49.920 number seven exactly. 640 00:33:51.559 --> 00:33:57.039 Wow, I and Adam. The only excuse they gave you 641 00:33:57.200 --> 00:33:59.160 is they can do it. They have the right to 642 00:33:59.240 --> 00:33:59.440 do it. 643 00:33:59.799 --> 00:34:03.079 They they quoted these court cases and they told I 644 00:34:03.119 --> 00:34:05.839 mean the answers I got from are they changed eight 645 00:34:05.960 --> 00:34:09.440 hundred and seventy lots. And they wouldn't tell me what 646 00:34:09.639 --> 00:34:13.639 their process was to determine which lots were eligible. Okay, 647 00:34:14.119 --> 00:34:16.920 they had one person in their office who basically picked 648 00:34:16.960 --> 00:34:17.760 which wats they were. 649 00:34:17.800 --> 00:34:20.519 Okay, if they if they and and this is what 650 00:34:20.679 --> 00:34:22.760 d is going to look at because DEA is convinced 651 00:34:22.800 --> 00:34:23.719 it's not random. 652 00:34:23.960 --> 00:34:26.639 They have some kind of formula. So let's just. 653 00:34:26.719 --> 00:34:29.000 Say utilities to the lake. If they come a lot 654 00:34:29.039 --> 00:34:30.840 in question, do you have utilities hooked up to that 655 00:34:30.920 --> 00:34:31.559 lot already? 656 00:34:32.480 --> 00:34:36.119 So there is a waterline that we're going to run 657 00:34:36.119 --> 00:34:37.679 out of time? Is run? 658 00:34:37.719 --> 00:34:40.800 Hold on, We're going to run out of time. Hold on, Hey, Shannon, 659 00:34:40.840 --> 00:34:42.000 what do you not understand about? 660 00:34:42.039 --> 00:34:42.360 Hold on? 661 00:34:42.519 --> 00:34:44.679 Okay, we got more coming up on the Troubleshooter Show. 662 00:34:44.719 --> 00:34:48.360 Stick around Why are they doing some lots more and 663 00:34:48.480 --> 00:34:50.559 some lots less? We'll talk about it and more on 664 00:34:50.679 --> 00:34:56.360 the Troubleshooter Show. Go with a sure thing Denver's Best 665 00:34:56.440 --> 00:34:58.280 Roofer Excel Roofing dot com. 666 00:34:58.440 --> 00:35:00.840 You don't pay a cent until your content. 667 00:35:02.119 --> 00:35:06.320 Leave time for an insurance check up free, no obligation. 668 00:35:06.360 --> 00:35:10.159 In comparison, call Compass Insurance paying too much your coverage 669 00:35:10.199 --> 00:35:12.880 at dozens of insurance companies find out now three oh 670 00:35:12.920 --> 00:35:15.360 three seven seven to one help. You'll think you're his 671 00:35:15.559 --> 00:35:18.119 only customer when you choose Frank durand the real estate 672 00:35:18.239 --> 00:35:21.440 Man dot com to list your home with Remax Alliance 673 00:35:21.719 --> 00:35:25.440 three all three nine two zero sixteen twenty two yea. 674 00:35:29.840 --> 00:35:35.320 Ripped off. You need advice so you don't have to 675 00:35:37.360 --> 00:35:42.360 come runing sus fast as we can. Shooter's gonna help. 676 00:35:42.639 --> 00:35:46.679 Come man, This is the Troubleshooter Show. 677 00:35:47.320 --> 00:35:53.280 No Tom Martine, Okay, Tom Martina, your Troubleshooter three oh. 678 00:35:53.239 --> 00:35:56.400 Three seven one three talk seven one three A two 679 00:35:56.559 --> 00:35:59.760 five five. Here to help you any way that we can, 680 00:36:00.199 --> 00:36:01.159 any day that we can. 681 00:36:01.599 --> 00:36:06.719 John Fuller's with us and he is our expert on 682 00:36:06.880 --> 00:36:09.679 personal injury, but he also helps us on the show 683 00:36:09.760 --> 00:36:10.559 from time to time. 684 00:36:11.199 --> 00:36:13.480 And Adam's got a question on property tax that we 685 00:36:13.559 --> 00:36:14.800 talked about it. I guess. 686 00:36:17.000 --> 00:36:19.239 He brings up a good point, and I want to 687 00:36:19.280 --> 00:36:22.280 know if anybody has any suggestions for him. Deputy d 688 00:36:22.440 --> 00:36:25.480 is going to make a call, but can anyone think 689 00:36:25.519 --> 00:36:29.000 of a reason why? And I think it's going to 690 00:36:29.039 --> 00:36:33.559 boil down to I don't know, maybe intent. I know 691 00:36:33.920 --> 00:36:35.760 he said it has nothing to do with intent. But 692 00:36:36.239 --> 00:36:38.480 let me give you a scenario. If you have a 693 00:36:38.599 --> 00:36:41.360 lot next to you and you're living on a lot, 694 00:36:42.400 --> 00:36:46.840 and so you have one lot in a subdivision with 695 00:36:46.920 --> 00:36:49.239 a house on it and you live there and next 696 00:36:49.280 --> 00:36:51.719 to you. Let's say you bought a lot to buffer 697 00:36:52.440 --> 00:36:54.320 or just bought a lot for speculation. 698 00:36:54.480 --> 00:36:56.239 It doesn't matter why you bought it. You bought an 699 00:36:56.280 --> 00:36:56.840 extra lot. 700 00:36:57.960 --> 00:37:00.559 And if your house has a tax ra of seven 701 00:37:00.599 --> 00:37:04.039 and a half percent, and that vacant lot also has 702 00:37:04.199 --> 00:37:07.000 a tax rate of seven and a half percent. Then 703 00:37:07.079 --> 00:37:09.480 why all of a sudden would they assess it at 704 00:37:09.559 --> 00:37:13.719 twenty seven percent, saying it's no longer a vacant lot, 705 00:37:14.199 --> 00:37:16.840 it is now vacant land. 706 00:37:17.519 --> 00:37:21.920 And I don't think that's what's happening. I have another theory. 707 00:37:23.360 --> 00:37:24.360 This is my theory. 708 00:37:25.519 --> 00:37:29.119 My theory is they looked at Pueblo West and a 709 00:37:29.199 --> 00:37:33.960 bunch of other lots in Pueblo, and they said, you 710 00:37:34.079 --> 00:37:39.199 know a lot of people have extra lots that they're 711 00:37:39.280 --> 00:37:42.719 never going to build on, they're never going to sell, and. 712 00:37:43.400 --> 00:37:44.800 We are going to now. 713 00:37:46.679 --> 00:37:50.960 We're going to call that extra land or vacant land. 714 00:37:51.280 --> 00:37:52.360 We're going to add it. 715 00:37:53.280 --> 00:37:55.440 But that still doesn't make sense to me, because I 716 00:37:55.480 --> 00:37:58.000 don't know why they wouldn't assess it at the residential rate. 717 00:37:58.800 --> 00:37:59.480 I don't get it. 718 00:37:59.840 --> 00:38:03.719 I just I'm trying to I'm trying to impute reasoning 719 00:38:03.840 --> 00:38:06.400 to them. John Fuller, you have any idea why they 720 00:38:06.400 --> 00:38:09.519 would take land and some of it a tax rated 721 00:38:09.599 --> 00:38:12.719 at seven and a half and others at twenty seven 722 00:38:12.760 --> 00:38:13.159 and a half. 723 00:38:13.960 --> 00:38:15.719 You know, the only thing that just comes to mind 724 00:38:15.880 --> 00:38:19.480 is whether there was some deed restriction on the undeveloped 725 00:38:19.519 --> 00:38:23.000 properties or not if it could be developed. Dimitri I 726 00:38:23.039 --> 00:38:25.920 thought had a great idea about whether there were some 727 00:38:26.119 --> 00:38:28.440 utilities it might have been hooked up to the lot, 728 00:38:28.559 --> 00:38:32.320 making it, you know, available for development, whereas perhaps another 729 00:38:32.400 --> 00:38:34.760 one is not. I mean, there's got to be something there. 730 00:38:35.360 --> 00:38:38.920 Or there's some reasoning in their head, in their head, 731 00:38:39.000 --> 00:38:41.360 there's some reasoning, or we're going to find out. 732 00:38:41.280 --> 00:38:44.679 That there's not, and it's just an absolute mistake and 733 00:38:44.760 --> 00:38:47.199 it's going to have to get you know, recognito. 734 00:38:47.360 --> 00:38:51.159 But they're quoting do you think court case that the 735 00:38:51.280 --> 00:38:54.880 Supreme Court case you've looked up online last time? They're 736 00:38:55.079 --> 00:38:57.719 quoting that as there now reason. 737 00:38:57.559 --> 00:39:01.039 Too, and can you refresh our memory on that court case. 738 00:39:02.960 --> 00:39:05.280 I don't know a whole lot about it, honestly, but 739 00:39:05.559 --> 00:39:08.679 I think it was Casey County versus somebody, and it 740 00:39:08.840 --> 00:39:13.920 gave them the right to declare lots as vacant land 741 00:39:14.079 --> 00:39:15.360 versus residential lots. 742 00:39:16.159 --> 00:39:18.639 And I understand that, but they can't they can't. 743 00:39:18.800 --> 00:39:22.199 No wait, wait, even if that's true, go ahead, John. 744 00:39:22.119 --> 00:39:24.880 Yeah, that that may be well and good, but they 745 00:39:24.960 --> 00:39:31.599 can't classify similarly situated properly properly differently. That's the difference, right, and. 746 00:39:31.639 --> 00:39:34.400 That's that's exactly what I'm saying, is that is exactly 747 00:39:34.480 --> 00:39:37.119 what they are doing. The people right in front of 748 00:39:37.199 --> 00:39:39.639 my house has a house on one in the lot 749 00:39:39.760 --> 00:39:42.239 next door, and he is classified at seven and a 750 00:39:42.280 --> 00:39:43.199 half percent on both. 751 00:39:43.239 --> 00:39:44.559 I think you're going to have to go through the 752 00:39:44.599 --> 00:39:46.679 appeals process, and you may even have to be the 753 00:39:46.760 --> 00:39:49.280 next lawsuit that goes up to the Supreme. 754 00:39:49.159 --> 00:39:52.000 But I think he'll win. I think, hey, how much 755 00:39:52.119 --> 00:39:54.000 difference in tax does that all add up to. 756 00:39:54.719 --> 00:39:56.840 I mean, it went from two hundred dollars a year 757 00:39:56.960 --> 00:39:58.400 to one thousand dollars a year. 758 00:39:58.559 --> 00:40:01.760 That's a lot when you had a all trap man, Adam, 759 00:40:01.840 --> 00:40:04.800 have you followed the county assessor's appeal process? 760 00:40:06.039 --> 00:40:08.639 They are sending me the I mean, the only thing 761 00:40:08.760 --> 00:40:10.760 they say I could do is do an abatement. But 762 00:40:10.880 --> 00:40:12.920 they said the only way I could have appealed it 763 00:40:13.360 --> 00:40:16.239 was appeal it last April when they said they sent 764 00:40:16.320 --> 00:40:18.840 me a letter which I don't believe I received. Okay, 765 00:40:18.960 --> 00:40:22.159 said they're now sending me another letter and they say, 766 00:40:22.760 --> 00:40:25.440 come May, I can appeal it for next year. 767 00:40:25.599 --> 00:40:28.039 Okay, I think you're going to get your answer when 768 00:40:28.039 --> 00:40:28.960 you appeal it in May. 769 00:40:30.119 --> 00:40:33.000 Yeah, but I still have to pay this year, they which, 770 00:40:33.039 --> 00:40:34.719 I mean, it's a thousand dollars. Fine. 771 00:40:35.159 --> 00:40:36.400 I don't think you're going to get away. 772 00:40:36.480 --> 00:40:38.480 I don't think you can get away from that because 773 00:40:38.760 --> 00:40:42.599 the time to appeal this particular year has come and gone. 774 00:40:42.719 --> 00:40:44.920 Even though it sounds like it's not your fault, there 775 00:40:45.000 --> 00:40:46.559 is nothing that any of us can do to get 776 00:40:46.599 --> 00:40:48.360 the county to say, Okay, he doesn't have to pay 777 00:40:48.400 --> 00:40:49.960 until he files next year's appeal. 778 00:40:50.800 --> 00:40:52.880 Well, no, I mean, I just don't think it's not 779 00:40:53.039 --> 00:40:54.920 only fair to me, it's not fair to the eight 780 00:40:55.079 --> 00:40:58.719 hundred and seventy people that they randomly picked. And when 781 00:40:58.800 --> 00:41:01.920 I asked him how they decided, they told me one 782 00:41:02.000 --> 00:41:04.519 person in their office went and looked at the lots 783 00:41:04.639 --> 00:41:07.119 and picked the eight hundred and seventy Watts that he picked. 784 00:41:08.400 --> 00:41:11.360 I don't dispute that, and it does sound like something 785 00:41:11.400 --> 00:41:14.599 fishy is going on, But I think the clearest and 786 00:41:14.679 --> 00:41:17.320 the most proper way to filew to do this, to 787 00:41:17.519 --> 00:41:19.960 dig into it, is to file an appeal in May, 788 00:41:20.519 --> 00:41:23.800 and then they'll provide you in writing what their justification is. 789 00:41:24.239 --> 00:41:26.679 Or it could be that their investigation will turn up 790 00:41:27.079 --> 00:41:30.719 some information in your favor and they'll reverse this reclassification 791 00:41:30.840 --> 00:41:31.559 of your property. 792 00:41:31.639 --> 00:41:35.159 Hey, I have an idea though on the appeals process. 793 00:41:35.239 --> 00:41:40.880 If we can, can you call Ed Tomlinson Kachina, I'll 794 00:41:40.920 --> 00:41:46.719 give you his number, Ed Tomlinson real Estate Services. You're 795 00:41:46.840 --> 00:41:48.840 ready to take his number? No, I'll text it to you. 796 00:41:49.000 --> 00:41:51.039 Never mind, I'll just text it. Just text it to me, 797 00:41:52.199 --> 00:41:55.400 all right, Kachina. Yeah, I think that we need to 798 00:41:56.159 --> 00:41:57.920 we need to call him. I want to know not 799 00:41:58.320 --> 00:42:00.679 he may know why this has happen, but I think 800 00:42:00.760 --> 00:42:03.880 also what he will do. His name is Ed Kelly. 801 00:42:04.440 --> 00:42:09.360 He may have a way to you know, like he'll 802 00:42:09.400 --> 00:42:11.639 give us an idea of how to protest it. Because 803 00:42:11.679 --> 00:42:12.320 when they say. 804 00:42:12.199 --> 00:42:14.079 You're not allowed to use this or you're not allowed 805 00:42:14.119 --> 00:42:16.760 to use that, you can use anything you want. They 806 00:42:16.840 --> 00:42:19.719 can't tell you what you can and cannot use. I mean, 807 00:42:19.920 --> 00:42:23.280 I never heard of such a stupid thing. And by 808 00:42:23.360 --> 00:42:26.519 the way, I don't know if Frank Dran the real 809 00:42:26.599 --> 00:42:30.559 estate man, would know anyway. But in any case, if 810 00:42:30.599 --> 00:42:33.320 you're ever looking for an assessment of what something's worth, 811 00:42:33.400 --> 00:42:34.920 Frank durand the real estate man dot com. 812 00:42:34.960 --> 00:42:35.920 While we're on the topic. 813 00:42:36.559 --> 00:42:38.480 If you're looking to list something, he can give you 814 00:42:38.519 --> 00:42:42.000 a pretty good indication based on the market and the 815 00:42:42.679 --> 00:42:46.400 neighborhood and the comps. And that's his forte of course, 816 00:42:46.480 --> 00:42:48.840 and of course selling in record time for more money, 817 00:42:49.239 --> 00:42:53.360 and that's three oh three nine to zero teen twenty two. 818 00:42:53.840 --> 00:42:55.639 So Adam, we're gonna find We're gonna see what we 819 00:42:55.719 --> 00:42:58.960 can find out. Let's move on and we'll get back 820 00:42:59.000 --> 00:43:01.360 to you. I promise you, and I bet you. 821 00:43:01.480 --> 00:43:06.440 Deputy D's talking to you already. So we have some 822 00:43:06.639 --> 00:43:07.880 things we've been talking about. 823 00:43:08.320 --> 00:43:11.599 Somebody had a personal injury case and they said, why 824 00:43:11.960 --> 00:43:14.599 is it that I can't get an attorney to take 825 00:43:14.679 --> 00:43:20.159 a slip and fall case? Now you mentioned one time, John, 826 00:43:20.719 --> 00:43:28.800 that slips and falls or or let's call them premises liability, 827 00:43:28.840 --> 00:43:31.320 they're very difficult. What's difficult about them? 828 00:43:32.639 --> 00:43:36.239 Well, the you know, the main difficulty is that it's 829 00:43:36.280 --> 00:43:39.320 a statutory cause of action, meaning that it's not just 830 00:43:39.760 --> 00:43:43.159 simple negligence like we might have for a car crash 831 00:43:43.639 --> 00:43:46.719 or something else. So we have a statutory what's the difference. 832 00:43:46.719 --> 00:43:48.440 I don't understand that. What's the difference. 833 00:43:48.599 --> 00:43:50.840 So what happened is back in nineteen eighty six, the 834 00:43:50.920 --> 00:43:53.840 legislature said, you know, we just can't have these people 835 00:43:54.000 --> 00:43:57.400 suing every time they slip and fall on a commercial property. 836 00:43:57.440 --> 00:43:59.239 And they're going to make all of our businesses close 837 00:43:59.320 --> 00:44:01.760 up and leave this and we better do something, and 838 00:44:01.880 --> 00:44:04.000 we're going to pass along and make it really tough 839 00:44:04.400 --> 00:44:08.119 on people to file these darn slip and fall cases. 840 00:44:08.360 --> 00:44:10.360 And that's what they did. And so they occupied the 841 00:44:10.440 --> 00:44:14.960 field with a statutory meaning, a law that sets forth 842 00:44:15.039 --> 00:44:17.960 the actual parameters that you have to satisfy if you're 843 00:44:18.000 --> 00:44:20.599 going to claim injury from a slip or a fall 844 00:44:20.719 --> 00:44:24.280 on somebody else's property. And so we have this crazy 845 00:44:24.440 --> 00:44:27.039 thing where and it's not the only standard, but the 846 00:44:27.119 --> 00:44:30.800 standard that applies to most people is that the landowner 847 00:44:30.920 --> 00:44:35.280 is responsible for their unreasonable failure to take reasonable steps 848 00:44:35.639 --> 00:44:38.280 to protect against the dangerous condition that they knew of 849 00:44:38.559 --> 00:44:41.039 or should have known of. And you might think, well, 850 00:44:41.119 --> 00:44:43.719 what's the problem with that, Well, you have two reasonables 851 00:44:43.760 --> 00:44:45.960 and a new or should have known in the same sentence, 852 00:44:46.360 --> 00:44:49.519 and so it can be manipulated to where almost nothing 853 00:44:50.039 --> 00:44:54.880 truly qualifies as a unreasonable failure to take reasonable steps. 854 00:44:54.920 --> 00:44:58.199 I mean, just that language alone is confusing and courts 855 00:44:58.239 --> 00:45:01.199 struggle with it, and so do reason everything else. And 856 00:45:01.320 --> 00:45:04.760 so it's my understanding that the latest stats are that 857 00:45:04.960 --> 00:45:08.599 among cases that go to trial for premises liability, almost 858 00:45:08.639 --> 00:45:11.440 seventy percent of them will result in a defense verdict, 859 00:45:11.719 --> 00:45:14.320 which means the planeiff, the guy that got hurt, loses. 860 00:45:14.960 --> 00:45:17.800 And so that's the standards you're up against. They're very tough, 861 00:45:18.079 --> 00:45:21.360 they're very expensive, and a good number of them end 862 00:45:21.480 --> 00:45:23.679 up going to trial where the plaintiff ends up losing. 863 00:45:26.599 --> 00:45:32.599 Okay, okay. So in essence, when it comes to lawsuits 864 00:45:32.719 --> 00:45:39.119 for let's say, personal injury, yeah, I would say, and 865 00:45:39.159 --> 00:45:41.000 I don't mean this as a put down or an insult, 866 00:45:41.039 --> 00:45:44.679 but the low hanging fruit traffic accidents, right, I mean 867 00:45:44.760 --> 00:45:47.199 truly because usually there's someone at fault. 868 00:45:48.360 --> 00:45:51.400 Well, I mean if if by low hanging fruit you 869 00:45:51.480 --> 00:45:54.079 mean we have more of those planes than other types 870 00:45:54.480 --> 00:45:56.039 of injury cases than I will. 871 00:45:56.800 --> 00:45:59.920 They're easier to pursue, They're easier to pursue. Let's say, 872 00:46:00.079 --> 00:46:01.840 I don't know that I agree with that. There is 873 00:46:01.960 --> 00:46:08.599 a tremendous mechanism or machine out there of the defense 874 00:46:08.679 --> 00:46:13.320 industry that fights at every level and every angle to 875 00:46:13.960 --> 00:46:18.480 diminish and deny legitimate claims by injured people. So we 876 00:46:18.639 --> 00:46:21.440 battle every day in our claims for our clients. 877 00:46:24.000 --> 00:46:27.280 Okay, all right, so it's and and and then somebody 878 00:46:27.320 --> 00:46:30.760 else just texted me and wanted to know about, uh, 879 00:46:31.400 --> 00:46:35.239 if a commercial truck hits them, isn't that a whole 880 00:46:35.360 --> 00:46:39.039 different set of circumstances And is it easier to collect 881 00:46:39.119 --> 00:46:39.840 whatever that means? 882 00:46:39.960 --> 00:46:43.280 It's most definitely not easier to collect. The problem with 883 00:46:43.360 --> 00:46:45.639 commercial cases, is it. Not only do you have a 884 00:46:45.719 --> 00:46:50.239 simple negligent you know, issue between the driver and the 885 00:46:50.400 --> 00:46:53.880 injured party, but we also have an entire body of 886 00:46:53.960 --> 00:46:58.320 federal law, in the federal motor carrier safety you know, 887 00:46:58.440 --> 00:47:02.559 regulations that apply dictate a whole separate group of standards. 888 00:47:03.079 --> 00:47:06.559 And we also have the carrier, we have the shipper, 889 00:47:06.719 --> 00:47:08.719 we have the receiver, We have a whole bunch of 890 00:47:08.800 --> 00:47:13.519 different people that are potential, you know, potentially liable in 891 00:47:13.599 --> 00:47:16.679 the case of a large commercial vehicle accident. So they 892 00:47:16.719 --> 00:47:20.719 are very complicated, you know, And and they also tend 893 00:47:20.760 --> 00:47:23.559 to be the cases with the most catastrophic injuries, and 894 00:47:23.679 --> 00:47:26.400 so you know, there's just simply no way that you 895 00:47:26.480 --> 00:47:29.320 could handle a case like that yourself and get a 896 00:47:29.519 --> 00:47:31.000 and get a respectable outcome. 897 00:47:31.239 --> 00:47:36.280 No way, okay, so on. 898 00:47:37.320 --> 00:47:41.079 So also they said that there are some limits to 899 00:47:41.280 --> 00:47:47.360 liability based on legislation or laws. I don't know what 900 00:47:47.440 --> 00:47:50.679 they're referring to, but in that case, have you ever 901 00:47:50.800 --> 00:47:52.360 busted through one of those limits? 902 00:47:54.119 --> 00:47:55.719 I have no idea what they're talking about. 903 00:47:55.880 --> 00:47:59.639 Yeah, So, just generically speaking, there are limits that apply 904 00:47:59.719 --> 00:48:03.360 to onmost every lawsuit. And the limits are are They 905 00:48:03.760 --> 00:48:06.000 differ based on the type of case, and and a 906 00:48:06.079 --> 00:48:09.559 bunch of different factors. Mostly the limits apply to non 907 00:48:09.639 --> 00:48:13.599 economic damages, which are the traditional pain and suffering type 908 00:48:13.639 --> 00:48:16.920 damages that can't be quantified with a medical bill or 909 00:48:16.960 --> 00:48:20.840 a wage loss calculation or something, and and and and 910 00:48:20.960 --> 00:48:24.480 then there are provisions that allow, in really extraordinary cases 911 00:48:24.599 --> 00:48:28.400 for a judge to double those those caps and and 912 00:48:28.480 --> 00:48:30.719 allow the plane to recover more. I have not had 913 00:48:30.760 --> 00:48:33.559 a case where that has happened. I've only heard of 914 00:48:33.719 --> 00:48:36.679 one or two cases where that's happened. It's very rare 915 00:48:37.280 --> 00:48:40.000 and and and generally, you know, the bulk of the 916 00:48:40.159 --> 00:48:43.360 damages you know, are in a case like that, are 917 00:48:43.400 --> 00:48:46.199 going to come from the economics, so you know, it's 918 00:48:46.320 --> 00:48:49.360 it's not as not as difficult, So I don't know. 919 00:48:49.480 --> 00:48:51.679 It's a it's a tough cap to get to get over. 920 00:48:53.559 --> 00:48:56.199 Okay, and uh, we have more coming up on the 921 00:48:56.239 --> 00:48:59.159 Troubleshooter Show three zero three seven to one three talk 922 00:48:59.480 --> 00:49:06.719 seven one three eight two five five Go with a 923 00:49:06.800 --> 00:49:10.320 sure thing Denver's best roofer Excel Roofing dot com. You 924 00:49:10.360 --> 00:49:16.119 don't pay a cent until you're content. Time for an 925 00:49:16.159 --> 00:49:20.360 insurance check up free, no obligation comparison call Compass Insurance 926 00:49:20.559 --> 00:49:23.519 paying too much your coverage at dozens of insurance companies 927 00:49:23.639 --> 00:49:25.840 find out now three oh three seven seven to one. 928 00:49:26.000 --> 00:49:26.199 Help. 929 00:49:26.400 --> 00:49:29.039 You'll think you're his only customer when you choose Frank 930 00:49:29.119 --> 00:49:31.519 durand the real estate Man dot com to list your 931 00:49:31.599 --> 00:49:34.719 home with Remax Alliance three oh three nine two zero 932 00:49:34.840 --> 00:49:35.800 sixteen twenty two. 933 00:49:40.639 --> 00:49:43.320 Hi Tom Archino, Arlen, what's going on with you? 934 00:49:44.920 --> 00:49:50.320 Well? I have a problem with getting Champion Windows to 935 00:49:50.519 --> 00:49:58.159 come out and replace my broken kitchen window has happened 936 00:49:58.199 --> 00:50:01.840 two days ago, I guess. I picked up my blind 937 00:50:02.280 --> 00:50:06.280 and I looked and there's a crack on one side 938 00:50:06.320 --> 00:50:08.360 of my kitchen window. 939 00:50:08.800 --> 00:50:11.159 How long ago did you have those windows put in? 940 00:50:13.199 --> 00:50:19.039 I really don't know. I had different job sections of 941 00:50:19.199 --> 00:50:24.599 the house put in at different times, but they say, okay, guaranteed, 942 00:50:25.320 --> 00:50:30.840 They're guaranteed for life. This is the three sixty five glass. 943 00:50:31.880 --> 00:50:35.119 I understand. Do you know how it broke? By any chance, 944 00:50:35.239 --> 00:50:35.960 you know how it broke? 945 00:50:37.039 --> 00:50:37.079 No? 946 00:50:37.320 --> 00:50:40.400 I looked in the yard. There's no bird. I mean, 947 00:50:40.599 --> 00:50:46.719 I got a big yard and I'm facing west now. 948 00:50:47.440 --> 00:50:51.280 Not all warranties covered. I don't know about champions warranty. 949 00:50:51.760 --> 00:50:56.039 Not all of them covered a break or a glass breakage? 950 00:50:56.280 --> 00:50:56.880 Does theirs? 951 00:50:57.119 --> 00:50:57.239 Oh? 952 00:50:58.360 --> 00:51:01.199 Okay? But they they told me it would be one 953 00:51:01.280 --> 00:51:06.119 hundred and nineteen dollars. Okay, But they said they couldn't 954 00:51:06.199 --> 00:51:08.960 do anything for ninety. 955 00:51:08.760 --> 00:51:12.199 Days or the long And when was that? 956 00:51:13.840 --> 00:51:13.960 Uh? 957 00:51:14.079 --> 00:51:14.679 And when was that? 958 00:51:15.119 --> 00:51:17.920 What I found the crack when I called it? 959 00:51:18.000 --> 00:51:20.559 Why did they say? Why did they say it was 960 00:51:20.599 --> 00:51:21.480 going to be that long? 961 00:51:23.199 --> 00:51:24.519 They said they were backed up. 962 00:51:26.280 --> 00:51:30.800 Oh and you can't wait or what you can't wait 963 00:51:30.920 --> 00:51:31.559 ninety days? 964 00:51:32.760 --> 00:51:35.440 Well, if we get a big wind from the west 965 00:51:36.119 --> 00:51:39.639 and this window comes in that I'm really screwed. 966 00:51:41.480 --> 00:51:43.719 But how bad is that crack that you might think 967 00:51:43.760 --> 00:51:44.519 it would collapse? 968 00:51:45.920 --> 00:51:50.480 Well, from top to bottom, the bottom I could feel 969 00:51:52.639 --> 00:51:59.840 the one edge is not what is what the glass? 970 00:52:00.119 --> 00:52:02.480 Oh well, Arlene, one thing you can do is just 971 00:52:02.559 --> 00:52:05.920 put some duct tape on the crack on both and 972 00:52:06.119 --> 00:52:07.199 that will prevent it from. 973 00:52:07.119 --> 00:52:10.599 Down or reinforce it a different way, even doc, I 974 00:52:10.719 --> 00:52:13.000 know what you're saying. They she could put some plexi 975 00:52:13.119 --> 00:52:16.599 or some plastic or something just to just to reinforce you. 976 00:52:16.639 --> 00:52:18.239 Well, duct tape is just the busiest. 977 00:52:20.119 --> 00:52:23.960 Yeah, yeah, I guess, I guess they're Arlene. Do you 978 00:52:24.039 --> 00:52:24.920 have any handyman? 979 00:52:25.039 --> 00:52:25.199 You know? 980 00:52:27.159 --> 00:52:32.199 No, I'm the handyman, Arlene. 981 00:52:32.239 --> 00:52:34.039 Where do you? Where do you live? What part of town? 982 00:52:34.119 --> 00:52:35.920 Don't give me your address, but what part of the 983 00:52:36.039 --> 00:52:37.800 city are you or the metro area? 984 00:52:38.599 --> 00:52:39.719 I'm a North Glenn. 985 00:52:41.679 --> 00:52:44.440 You know you should be able to get someone who 986 00:52:44.559 --> 00:52:47.000 can just I mean, you say you're the handyman. 987 00:52:47.079 --> 00:52:50.039 I mean, who do you have to do little things 988 00:52:50.079 --> 00:52:51.280 around the house when you need them? 989 00:52:53.119 --> 00:52:54.000 She does thersel? 990 00:52:55.559 --> 00:52:58.400 Have you ever thought about how about just putting duct 991 00:52:58.440 --> 00:53:01.400 tape over the box the window, over the crack and 992 00:53:01.480 --> 00:53:02.960 then then double over. 993 00:53:02.920 --> 00:53:03.840 And triple over that. 994 00:53:05.719 --> 00:53:08.679 Camp just until they. 995 00:53:08.599 --> 00:53:09.360 Can get out there. 996 00:53:09.880 --> 00:53:12.800 Now, did they take your name and address and did 997 00:53:12.840 --> 00:53:15.079 they definitely say they would put you on the list 998 00:53:15.199 --> 00:53:15.320 or what? 999 00:53:16.519 --> 00:53:18.800 Yeah, they said they would write a ticket on me. 1000 00:53:20.360 --> 00:53:26.360 Okay, Tom, I would say that, doctor, Yeah, why don't 1001 00:53:26.400 --> 00:53:26.760 we do that. 1002 00:53:27.039 --> 00:53:31.000 I've worked with Champion Windows on several cases on ninety days, 1003 00:53:31.079 --> 00:53:34.159 isn't I know they're backed up, But Arlene, I can 1004 00:53:34.239 --> 00:53:36.760 make a call over there for you and see if 1005 00:53:36.760 --> 00:53:38.639 they could maybe expedite. 1006 00:53:38.760 --> 00:53:42.960 How are you finding how are you finding the reaction nowadays? Bo, 1007 00:53:43.159 --> 00:53:46.480 Because you know, Champion Windows is not the same company 1008 00:53:46.519 --> 00:53:47.039 we're used to. 1009 00:53:47.119 --> 00:53:49.599 I mean, they they really suck right now. 1010 00:53:49.840 --> 00:53:52.079 I worked on I worked on one case with a 1011 00:53:52.360 --> 00:53:55.159 security door, and it took them almost a year to 1012 00:53:55.280 --> 00:53:57.559 get off their boughts to get it taken care of. 1013 00:53:57.639 --> 00:53:58.639 They're very difficult. 1014 00:53:58.760 --> 00:54:01.920 Oh my god, Hey, Arlene, is it a single pain? 1015 00:54:02.840 --> 00:54:03.400 Double pain? 1016 00:54:04.760 --> 00:54:08.119 Like I say, it's a three sixty five glass? 1017 00:54:09.079 --> 00:54:12.119 Now we get it, Doc, I don't think. I don't 1018 00:54:12.159 --> 00:54:14.199 think Champion ever made a single pain ever. 1019 00:54:14.400 --> 00:54:15.719 So it's a double pain yourself. 1020 00:54:15.840 --> 00:54:20.559 So only one of the pains is cracked, so that's 1021 00:54:20.679 --> 00:54:22.639 probably it shouldn't be a problem. 1022 00:54:22.719 --> 00:54:25.119 Then the outside. 1023 00:54:26.360 --> 00:54:28.880 How long is the total Arlene? How long is the 1024 00:54:28.960 --> 00:54:29.800 total crack. 1025 00:54:32.159 --> 00:54:33.840 From top to bottom? 1026 00:54:34.159 --> 00:54:34.360 Yep? 1027 00:54:35.119 --> 00:54:35.880 Let me see. 1028 00:54:36.199 --> 00:54:36.920 Just take a guess. 1029 00:54:38.599 --> 00:54:39.880 I'm not good at guessing. 1030 00:54:40.719 --> 00:54:42.519 Well, can you put your hand over the whole crack? 1031 00:54:42.679 --> 00:54:48.519 Is it a small six inches? Maybe a foot long? Okay, 1032 00:54:48.599 --> 00:54:50.840 as long as your legs only? 1033 00:54:51.000 --> 00:54:52.199 Can you just send us a picture? 1034 00:54:53.559 --> 00:54:55.000 No, she's telling us. 1035 00:54:55.079 --> 00:55:02.760 Now, yeah, let's say two feet okay? 1036 00:55:04.280 --> 00:55:08.159 Whoa Okay, so that is a big one. 1037 00:55:08.400 --> 00:55:10.280 Hey, listen, bo, why don't you make a call for 1038 00:55:10.360 --> 00:55:12.679 I got to take a break. Three oh three seven 1039 00:55:13.159 --> 00:55:16.440 one three top three oh three seven one three eight 1040 00:55:16.559 --> 00:55:19.119 two five five Stick around. We got more coming up 1041 00:55:19.159 --> 00:55:27.679 on the Troubleshooter Show. Go with a sure thing Denver's 1042 00:55:27.760 --> 00:55:30.599 best roofer Excel Roofing dot com. You don't pay a 1043 00:55:30.719 --> 00:55:37.159 cent until you're content. Time for an insurance check up free, 1044 00:55:37.280 --> 00:55:41.280 no obligation comparison call Compass Insurance paying too much your 1045 00:55:41.360 --> 00:55:44.280 coverage at dozens of insurance companies find out now three 1046 00:55:44.360 --> 00:55:45.639 oh three seven to seven to one. 1047 00:55:45.800 --> 00:55:46.000 Help. 1048 00:55:46.199 --> 00:55:48.840 You'll think you're his only customer when you choose Frank 1049 00:55:48.920 --> 00:55:51.320 durand the real estate Man dot com to list your 1050 00:55:51.400 --> 00:55:54.519 home with Remax Alliance three oh three nine two zero 1051 00:55:54.639 --> 00:55:55.599 sixteen twenty two. 1052 00:56:02.320 --> 00:56:05.400 All right, welcome back to the Troubleshooter Show. This is 1053 00:56:05.559 --> 00:56:08.480 John Fuller. I am filling in for Tom in many ways. 1054 00:56:08.519 --> 00:56:11.760 That cat is away and now we can play. We 1055 00:56:11.920 --> 00:56:13.519 have a lot of stuff going on. We have open 1056 00:56:13.599 --> 00:56:15.599 lines this afternoon, and so we need to get some 1057 00:56:15.760 --> 00:56:19.239 calls from you. We are here to solve problems, answer questions, 1058 00:56:19.239 --> 00:56:22.480 state complaints. We are here to help you solve what's 1059 00:56:22.519 --> 00:56:25.079 going on in your life. So I am a personal 1060 00:56:25.159 --> 00:56:27.280 injury attorney. I have been so for twenty three years. 1061 00:56:27.760 --> 00:56:30.960 If you have questions about insurance, about you know, a 1062 00:56:31.039 --> 00:56:33.480 wreck that you just got into, anything that's going on, 1063 00:56:33.960 --> 00:56:36.280 the roads have been slippery, We've got more snow coming in. 1064 00:56:36.400 --> 00:56:39.480 We've got lots of accidents out there. If you have questions, 1065 00:56:39.679 --> 00:56:41.599 give us a call. I'm happy to help with those. 1066 00:56:42.159 --> 00:56:44.760 We can talk about medical treatment, we can talk about 1067 00:56:44.760 --> 00:56:47.920 anything you want that's associated with a PI case or 1068 00:56:48.039 --> 00:56:52.039 anything for that matter. We can venture into other areas. 1069 00:56:52.159 --> 00:56:56.119 We have three noble and worthy deputies here in the 1070 00:56:56.159 --> 00:56:58.840 studio today. We have Dimitri, we have Bo and we 1071 00:56:58.960 --> 00:57:01.840 have doc all of whom are here to help you 1072 00:57:02.039 --> 00:57:05.159 with your problems. And we assign out those problems as 1073 00:57:05.559 --> 00:57:08.679 they come in and with particular regard to their skills 1074 00:57:09.079 --> 00:57:12.320 and expertise. And so if you have an issue that 1075 00:57:13.440 --> 00:57:15.119 we can help you on. Give us a call again. 1076 00:57:15.159 --> 00:57:16.280 We have open lines right now. 1077 00:57:17.079 --> 00:57:18.960 We have to get a picture of the window from Arlene. 1078 00:57:19.079 --> 00:57:21.000 No, we're just going to go back to Arlene right now. 1079 00:57:21.039 --> 00:57:23.400 And looks like Arlene may have just fallen off here. 1080 00:57:23.480 --> 00:57:25.679 We've given that over to Bow and he's going to 1081 00:57:25.719 --> 00:57:29.440 be following up and you know, one way or the other. 1082 00:57:29.559 --> 00:57:32.280 I think the solution to her short term problem with 1083 00:57:32.360 --> 00:57:34.719 this cold weather is to get out there, get some 1084 00:57:34.880 --> 00:57:36.920 duct tape on that crack and at least, you know, 1085 00:57:37.119 --> 00:57:40.400 preserve things until Champion can get out there, if and 1086 00:57:40.480 --> 00:57:43.679 when they ever do and stuff. So that's what's going 1087 00:57:43.719 --> 00:57:44.440 on there. You got it? 1088 00:57:44.519 --> 00:57:44.639 Bo. 1089 00:57:45.039 --> 00:57:47.519 Yeah, I'm going to make a call this afternoon, and 1090 00:57:47.599 --> 00:57:49.719 I have a feeling they're going to drag your feet. 1091 00:57:49.800 --> 00:57:53.360 So maybe this weekend I might be able to take 1092 00:57:53.400 --> 00:57:55.480 a drive out the North Glenn and put some tape 1093 00:57:55.519 --> 00:57:56.159 on her window. 1094 00:57:57.039 --> 00:57:58.239 Yeah, get her fixed up. 1095 00:57:58.920 --> 00:58:01.880 Yeah, that'd be I'd be not a nice of you 1096 00:58:02.000 --> 00:58:03.559 to do that, And I really think that's all that 1097 00:58:03.679 --> 00:58:04.960 you need to do in the interum. 1098 00:58:05.199 --> 00:58:08.280 So if it's a double pane window, other than the 1099 00:58:08.400 --> 00:58:11.480 heat loss, is there really a problem with having a 1100 00:58:11.559 --> 00:58:13.079 crack on one of the two pains. 1101 00:58:13.519 --> 00:58:16.199 Well, you're gonna lose the thermal efficiency of having the 1102 00:58:16.280 --> 00:58:18.280 gas in between the two layers. But other than that, 1103 00:58:18.440 --> 00:58:20.599 it's not gonna leak. You're not gonna let air come in. 1104 00:58:21.559 --> 00:58:25.000 It's really gonna continue to do the same job. It's 1105 00:58:25.159 --> 00:58:27.480 just not gonna look real good with duct tape across there. 1106 00:58:27.519 --> 00:58:29.320 But there's nothing to worry about. It's not going to 1107 00:58:29.360 --> 00:58:32.079 fall in with wind or or anything else. 1108 00:58:32.159 --> 00:58:34.079 So I think that's what she said. She was afraid 1109 00:58:34.119 --> 00:58:35.599 of you, afraid of it falling. 1110 00:58:35.800 --> 00:58:38.360 I think she's gonna be fine. I really do. But 1111 00:58:38.480 --> 00:58:42.679 we appreciate Arlene calling in with that. Bo I understand 1112 00:58:42.679 --> 00:58:45.280 you've got an update on a furnace issue that you 1113 00:58:45.360 --> 00:58:46.519 were dealing with. What's going on. 1114 00:58:46.800 --> 00:58:49.039 Yes, we've been working. 1115 00:58:48.840 --> 00:58:50.320 With her for a few weeks. 1116 00:58:50.400 --> 00:58:51.599 Her names Erlene. 1117 00:58:52.920 --> 00:58:55.079 She has a train furnace. 1118 00:58:55.760 --> 00:58:56.719 The poor lady. 1119 00:58:56.840 --> 00:59:00.559 She hasn't had a functioning furnace and snow fami, oh 1120 00:59:00.639 --> 00:59:00.960 my god. 1121 00:59:01.079 --> 00:59:06.000 And she's had several contractors out and every one of 1122 00:59:06.079 --> 00:59:09.880 them said the parts were not available, and one of 1123 00:59:09.920 --> 00:59:13.400 the contractors, I believe, did a little sabotage to the furnace. 1124 00:59:13.480 --> 00:59:16.079 Pulled all the wires out. When I was there, it 1125 00:59:16.119 --> 00:59:20.039 looked like spaghetti, all the same color. So I've been 1126 00:59:20.079 --> 00:59:23.119 out there a couple of times, and I did some 1127 00:59:23.280 --> 00:59:24.079 research and. 1128 00:59:24.960 --> 00:59:28.760 Parts are available for the unit. It's an older unit. 1129 00:59:28.920 --> 00:59:32.760 But you know, she only has she's only getting three 1130 00:59:32.840 --> 00:59:36.159 hundred dollars a month from Social Security, and the furnace 1131 00:59:36.239 --> 00:59:38.880 bids came in at seventy eight to nine thousand dollars. 1132 00:59:39.000 --> 00:59:41.679 Holy moly, is that the one where that really was 1133 00:59:41.760 --> 00:59:43.880 the issue. Everybody just comes out and says, you need 1134 00:59:43.960 --> 00:59:47.159 a new furnace, and nobody wants to actually put the 1135 00:59:47.239 --> 00:59:48.519 time and effort into fixing it. 1136 00:59:49.119 --> 00:59:50.559 I think a lot of times when I used to 1137 00:59:50.599 --> 00:59:52.119 be in a business, they'd come out and look at 1138 00:59:52.119 --> 00:59:54.440 the serial number. If it's fifteen years old, they don't. 1139 00:59:54.519 --> 00:59:57.440 They kind of stop and they go into sell mode. 1140 00:59:58.000 --> 01:00:00.840 But a lot of people can't afford it new equipment 1141 01:00:01.039 --> 01:00:05.559 and it has to be repaired. And this lady went 1142 01:00:05.599 --> 01:00:08.320 to a departments from bought like six heaters and her 1143 01:00:08.639 --> 01:00:11.960 family huddles in the bedroom one bedroom at night to 1144 01:00:12.079 --> 01:00:16.599 stay warm. So to catch up everybody on it, I 1145 01:00:16.800 --> 01:00:20.639 talked to the train corporation about it. The motor is 1146 01:00:20.679 --> 01:00:23.280 a little difficult to find, but that I was really 1147 01:00:23.360 --> 01:00:24.559 pleased to Trained. 1148 01:00:24.400 --> 01:00:29.639 Corporation did locate a motor. It's from New Jersey. 1149 01:00:29.760 --> 01:00:33.239 They're bringing it in and the Train Corporation is going 1150 01:00:33.320 --> 01:00:37.159 to donate the motor. Oh fantastic and the computer board 1151 01:00:37.159 --> 01:00:41.440 and it's about a thirteen hundred dollars value outstanding. So 1152 01:00:41.760 --> 01:00:45.559 it took about several weeks to bring the motor in 1153 01:00:46.440 --> 01:00:48.639 and it came in last night and before I came 1154 01:00:48.719 --> 01:00:51.920 into studio, I drove to the trains supply house and 1155 01:00:52.079 --> 01:00:53.920 picked up the motor. It's in the back of my car. 1156 01:00:55.039 --> 01:00:58.360 I'm going to deliver it to early after the show. 1157 01:00:59.400 --> 01:01:02.639 And I do not have the capability to install the motor. 1158 01:01:03.039 --> 01:01:05.159 It's got like sixteen wires going to it. But the 1159 01:01:05.280 --> 01:01:08.679 Train Corporation found an authorized trained dealer. 1160 01:01:09.559 --> 01:01:13.320 It's Jay and j h Vac. His name's Jerry. 1161 01:01:13.719 --> 01:01:16.280 He went over to the house yesterday and confirmed my 1162 01:01:16.519 --> 01:01:17.920 diagnosis that it is. 1163 01:01:18.000 --> 01:01:21.239 The motor and they're going to install the motor hopefully 1164 01:01:21.320 --> 01:01:24.840 tomorrow or this weekend. And Earlene is going to have 1165 01:01:25.119 --> 01:01:27.039 heat for our house and her family. 1166 01:01:28.199 --> 01:01:28.400 Well. 1167 01:01:28.559 --> 01:01:31.000 I don't see a dinger, but if any case deserves one. 1168 01:01:31.079 --> 01:01:34.679 That's it though, that's fantastic, great. 1169 01:01:34.559 --> 01:01:36.679 Work, so much for getting this done for this poor 1170 01:01:36.800 --> 01:01:39.880 elderly lady. No, Danner's till we get the fire on. 1171 01:01:40.199 --> 01:01:42.039 Well give it my follow up on that when you 1172 01:01:42.159 --> 01:01:43.920 get to go in this show up Monday. And I'm 1173 01:01:44.000 --> 01:01:46.400 so happy for her because she's got a. 1174 01:01:46.519 --> 01:01:48.280 Lot of time and effort invested in us. 1175 01:01:48.320 --> 01:01:48.519 Both. 1176 01:01:48.599 --> 01:01:50.159 Thank you so much. It's a great job. 1177 01:01:50.239 --> 01:01:50.360 Bo. 1178 01:01:51.039 --> 01:01:53.599 Yeah, Peter, let's go to the phone right now. Peter's 1179 01:01:53.599 --> 01:01:55.679 got a question on auto insurance before we go to 1180 01:01:55.760 --> 01:02:02.320 the break. Go ahead, Peter, Yes, sir, Hello, Yeah. 1181 01:02:02.199 --> 01:02:05.199 Hey, I was wondering my daughter was in an accident. 1182 01:02:05.760 --> 01:02:09.519 The preeople took off on her and uh, she's having 1183 01:02:09.519 --> 01:02:13.760 a hard time collecting under unassured underinsured motorist. 1184 01:02:13.920 --> 01:02:16.760 Okay, why what's going on? 1185 01:02:19.519 --> 01:02:22.079 Well, she filed the clay. They want to put it 1186 01:02:22.159 --> 01:02:22.880 under collision. 1187 01:02:23.880 --> 01:02:30.199 Okay. So you're talking about the property damage on her car? Yeah, okay, 1188 01:02:30.719 --> 01:02:33.400 did she have uninsured motorists property damage? 1189 01:02:35.800 --> 01:02:38.199 She had everything full coverage. 1190 01:02:38.679 --> 01:02:44.800 Okay, So what is the problem with putting it under 1191 01:02:44.840 --> 01:02:46.360 the collision just the deductible? 1192 01:02:48.760 --> 01:02:54.440 Well yeah, well, plus I wondered if my understanding that 1193 01:02:55.440 --> 01:02:56.679 unassured underinsured. 1194 01:02:56.719 --> 01:03:01.480 If it goes under that, they don't raise your Yeah, 1195 01:03:01.639 --> 01:03:05.480 that's true. They can't penalize you, but they can't actually 1196 01:03:05.559 --> 01:03:08.039 penalize you unless you were at fault for an accident. 1197 01:03:08.159 --> 01:03:10.800 So even if they decided to use the collision coverage 1198 01:03:11.320 --> 01:03:14.719 to fix that car or replace that car, at the 1199 01:03:14.840 --> 01:03:17.239 end of the day, it's still not her fault unless 1200 01:03:17.280 --> 01:03:20.039 there's something about the accident that I don't know. There 1201 01:03:20.199 --> 01:03:22.559 is a difference, and I'll explain that right after the 1202 01:03:22.639 --> 01:03:27.440 break between uninsured property damage and uninsured motorist coverage and 1203 01:03:27.559 --> 01:03:29.760 try to tie it all in with the with the 1204 01:03:29.840 --> 01:03:32.559 collision coverage. So if you can hang on just a moment, 1205 01:03:32.719 --> 01:03:35.559 I will address all those right after the break. So 1206 01:03:35.880 --> 01:03:36.119 hang on. 1207 01:03:39.800 --> 01:03:43.039 Go with a sure thing Denver's Best roofer Excel roofing 1208 01:03:43.159 --> 01:03:45.800 dot com. You don't pay a cent until you're content. 1209 01:03:49.199 --> 01:03:52.320 Time for an insurance check up, free no obligation comparison 1210 01:03:52.519 --> 01:03:56.039 call Compass Insurance paying too much your coverage at dozens 1211 01:03:56.079 --> 01:03:58.800 of insurance companies find out now three O three seven 1212 01:03:58.800 --> 01:04:01.119 to seven to one help. You'll think you're his only 1213 01:04:01.280 --> 01:04:03.679 customer when you choose Frank durand the real estate man 1214 01:04:03.760 --> 01:04:07.159 dot com to list your home with Remax Alliance three 1215 01:04:07.239 --> 01:04:09.320 all three nine two zero sixteen twenty two. 1216 01:04:12.320 --> 01:04:15.199 All right, good afternoon, John Fuller here on the Troublesitter Network. 1217 01:04:15.320 --> 01:04:18.119 We are back and starting to stack up the calls, 1218 01:04:18.159 --> 01:04:19.679 but we've got a couple of lines open, so if 1219 01:04:19.679 --> 01:04:21.360 we can help you with the problem, give us a call. 1220 01:04:21.920 --> 01:04:24.840 Three three seven one, three eight, two five five or 1221 01:04:24.960 --> 01:04:28.559 three oh three. Martino is the number directly here into 1222 01:04:28.639 --> 01:04:31.039 the studio, and we are looking forward to helping you. 1223 01:04:31.280 --> 01:04:31.320 So. 1224 01:04:31.920 --> 01:04:33.840 Uh, before the break, we had Peter on the line. 1225 01:04:33.880 --> 01:04:37.119 Peter talks about his daughter getting in an accident where 1226 01:04:37.239 --> 01:04:40.519 the other driver left the scene and she's now having 1227 01:04:40.559 --> 01:04:44.119 difficulty with her uninsured motors coverage getting her car fixed. 1228 01:04:44.239 --> 01:04:47.800 And I wanted to explain some of the differences in 1229 01:04:47.960 --> 01:04:50.920 coverages out there, and it's it's kind of a misnomer 1230 01:04:51.039 --> 01:04:53.920 many times when people say I have full coverage, that 1231 01:04:54.079 --> 01:04:58.519 doesn't always mean that they have an uninsured motorist property 1232 01:04:58.639 --> 01:05:02.719 damage coverage, because if you have full coverage, there's really 1233 01:05:02.840 --> 01:05:07.559 no need to also have uninsured motorist property damage coverage 1234 01:05:07.599 --> 01:05:10.960 because you already technically have that with the collision coverage 1235 01:05:11.039 --> 01:05:13.519 that you have on your policy, so you would effect 1236 01:05:13.599 --> 01:05:16.920 be paying twice for the same exact coverage. So normally, 1237 01:05:17.480 --> 01:05:19.719 when you hear I have full coverage, if it's a 1238 01:05:19.800 --> 01:05:23.400 good agent, they inform the people that, hey, this is 1239 01:05:23.480 --> 01:05:25.360 kind of an extra coverage that you don't need to 1240 01:05:25.400 --> 01:05:29.280 pay for, and you just have the collision coverage. Now 1241 01:05:29.360 --> 01:05:32.199 that doesn't mean that you don't have uninsured motorist coverage, 1242 01:05:32.280 --> 01:05:36.400 but that motorist coverage is meant to essentially step into 1243 01:05:36.519 --> 01:05:39.679 the shoes of the other driver in the event that 1244 01:05:39.840 --> 01:05:43.159 they had no insurance to pay for your injuries and 1245 01:05:43.280 --> 01:05:47.159 your damages to the person, not to the car itself. 1246 01:05:47.360 --> 01:05:50.320 So I hope that helps explain exactly what's going on. 1247 01:05:50.840 --> 01:05:53.480 There's still a regulation in Colorado that says if you're 1248 01:05:53.519 --> 01:05:55.559 not at fault for an accident, they're not allowed to 1249 01:05:55.639 --> 01:06:00.159 penalize you for the for the claim and stuff. And 1250 01:06:00.239 --> 01:06:02.440 so I can't think of a better example of a 1251 01:06:02.559 --> 01:06:05.039 case where you're not at fault, you know, for causing 1252 01:06:05.199 --> 01:06:07.960 the crash, than to have somebody run into you and 1253 01:06:08.000 --> 01:06:09.360 then leave the scene of the accident. 1254 01:06:10.480 --> 01:06:12.119 Go ahead, doc, I actually don't question. 1255 01:06:12.679 --> 01:06:17.639 Let's say that there was damage to her front right fender, Okay, 1256 01:06:18.000 --> 01:06:20.280 and she says, well, it was another car and he 1257 01:06:20.400 --> 01:06:24.360 ran off, when in actuality she hit a pole out, 1258 01:06:25.119 --> 01:06:28.960 how would the insurance company if the driver in off, Yeah, 1259 01:06:29.800 --> 01:06:30.239 she wasn't. 1260 01:06:30.559 --> 01:06:34.679 That's a couple. That's a really good question and one 1261 01:06:34.800 --> 01:06:38.039 that you know, I always you know, I always recommend 1262 01:06:38.079 --> 01:06:40.400 that people call the police and follow a police report 1263 01:06:40.480 --> 01:06:42.760 when something like that happened. So there's a little bit 1264 01:06:42.800 --> 01:06:45.400 of just trust that goes into it. But you know, 1265 01:06:45.519 --> 01:06:48.360 I have seen seen insurance companies come out and investigate 1266 01:06:48.440 --> 01:06:52.000 those claims and take really detailed photographs and they're trying 1267 01:06:52.039 --> 01:06:54.800 to find out whether there's any rust or anything on 1268 01:06:54.920 --> 01:06:56.880 the damage that indicates it might have been there for 1269 01:06:57.000 --> 01:06:59.800 some time before it was claimed to be damaged. But 1270 01:07:00.159 --> 01:07:03.760 you know, it's still a collision claim. You still have 1271 01:07:03.880 --> 01:07:05.519 the right to get it fixed. You're going to have 1272 01:07:05.599 --> 01:07:07.920 to pay a deductible and so it may not be 1273 01:07:07.960 --> 01:07:10.239 in your best interest if it's not a big crash 1274 01:07:10.360 --> 01:07:12.840 to go ahead and follow that claim. Really, the only 1275 01:07:12.920 --> 01:07:15.559 issue is whether or not it's a you know, an 1276 01:07:15.599 --> 01:07:17.840 at fault to accident or not. And that's where I 1277 01:07:17.920 --> 01:07:21.039 think having the police report and making a report of it, 1278 01:07:21.400 --> 01:07:23.880 particularly when you're claiming that it was a hit and 1279 01:07:24.000 --> 01:07:26.840 run driver would would really carry the day on that 1280 01:07:26.960 --> 01:07:27.199 for you. 1281 01:07:27.679 --> 01:07:30.760 And also, just to reinforce one of your. 1282 01:07:32.079 --> 01:07:35.480 Great ideas, put one hundred and fifty bucks into a 1283 01:07:35.559 --> 01:07:39.360 dash cam. It saves so much aggravation. You know, after 1284 01:07:39.480 --> 01:07:41.400 talking to you for a while, I went out and 1285 01:07:41.440 --> 01:07:43.400 bought one. It was one hundred and fifty bucks, and 1286 01:07:43.519 --> 01:07:46.280 I feel so much better now that if something happens, 1287 01:07:46.360 --> 01:07:49.000 I have a record of it. It's not that expensive 1288 01:07:49.360 --> 01:07:51.559 and it really can save you so much aggravation. 1289 01:07:52.639 --> 01:07:52.679 It. 1290 01:07:53.440 --> 01:07:57.719 Yeah, it really is just that simple. Dash cams are 1291 01:07:57.760 --> 01:07:59.880 going to give you a four K or ten a 1292 01:08:00.000 --> 01:08:03.519 AD or whatever. I mean, full color, really high quality 1293 01:08:04.239 --> 01:08:07.400 video of the event. So you're going to see everything 1294 01:08:07.519 --> 01:08:09.360 from the front of the vehicle, from the back of 1295 01:08:09.400 --> 01:08:11.440 the vehicle. You're gonna be able to see signs and 1296 01:08:11.679 --> 01:08:16.039 lights and other drivers. And there's just nothing better than 1297 01:08:16.119 --> 01:08:18.439 having a video. I mean, I don't care if you 1298 01:08:18.560 --> 01:08:21.680 had ten witnesses lined up on the sidewalk to watch 1299 01:08:21.800 --> 01:08:24.760 this accident, I guarantee you out of those ten, two 1300 01:08:24.880 --> 01:08:27.159 or three of them would have a different version that 1301 01:08:27.239 --> 01:08:29.560 would claim the other guy was at fault or something 1302 01:08:29.640 --> 01:08:33.159 like that. But those videos, they do not lie. They're amazing. 1303 01:08:33.800 --> 01:08:36.520 I'm just the biggest fan of them. They Actually I 1304 01:08:36.600 --> 01:08:39.600 saw the other day had they'd come out with new 1305 01:08:39.680 --> 01:08:43.079 technology from Garman for bicyclists and stuff where it actually 1306 01:08:43.119 --> 01:08:46.159 has rear wood facing radar that as soon as it 1307 01:08:46.239 --> 01:08:48.319 gets a signal that there's a car coming up behind 1308 01:08:48.399 --> 01:08:51.960 it starts filming for the exact same reason, so that 1309 01:08:52.079 --> 01:08:53.800 you have a video in case something happens. 1310 01:08:53.840 --> 01:08:56.880 I have a questions John on some topics. Let's say, 1311 01:08:56.880 --> 01:09:00.560 in this case where the driver left, if if she 1312 01:09:00.720 --> 01:09:03.880 had a camera that showed the license plate, do the 1313 01:09:04.000 --> 01:09:07.600 cops tracked down hit and runs if they have the 1314 01:09:07.680 --> 01:09:10.560 license plate or do they just say it's a civil matter. 1315 01:09:11.359 --> 01:09:13.479 Well, I mean, it kind of depends on the police 1316 01:09:13.640 --> 01:09:17.119 and the police agency. I'm planning to talk a little 1317 01:09:17.119 --> 01:09:19.840 bit about that in the next segment if we can 1318 01:09:19.880 --> 01:09:23.279 get to it. But it's a really good question though, 1319 01:09:23.359 --> 01:09:27.119 and the answer is we would hope so, because you 1320 01:09:27.199 --> 01:09:29.479 can't do much better than to have a film of 1321 01:09:29.560 --> 01:09:32.119 the person, you know, crashing and leaving the scene and stuff. 1322 01:09:32.640 --> 01:09:35.680 But frankly, sometimes they don't follow up on it, but 1323 01:09:36.520 --> 01:09:38.560 you can follow up on it because you know any 1324 01:09:38.560 --> 01:09:41.600 good investigator can find that person's identification, you can bring 1325 01:09:41.760 --> 01:09:44.880 a lawsuit against them, and then if they have insurance, 1326 01:09:45.000 --> 01:09:47.119 during the course of that lawsuit, they're going to have 1327 01:09:47.279 --> 01:09:49.800 to give you who that insurance company is and that 1328 01:09:49.920 --> 01:09:53.880 coverage and go from there. So we're going to take 1329 01:09:53.880 --> 01:09:55.600 a real quick break. We'll be right back. We got 1330 01:09:55.640 --> 01:09:58.880 Carolyn lined up with a question about propane, and we've 1331 01:09:58.920 --> 01:10:00.640 still got a couple of lines, and so give us 1332 01:10:00.680 --> 01:10:00.920 a call. 1333 01:10:05.359 --> 01:10:06.560 I didn't even talk about it. 1334 01:10:06.720 --> 01:10:06.920 Next. 1335 01:10:10.800 --> 01:10:13.279 Okay that we're not going to break Caroline. Let's go 1336 01:10:13.319 --> 01:10:15.560 ahead and get your question out. Sorry about that. What 1337 01:10:15.760 --> 01:10:16.840 is going on? Caroline? 1338 01:10:17.319 --> 01:10:21.800 Hello, thank you for taking my call. I had a 1339 01:10:22.000 --> 01:10:28.600 propane delivery back in early December, and when I called 1340 01:10:28.720 --> 01:10:32.079 to order the delivery, I've had this company for years. 1341 01:10:33.720 --> 01:10:38.560 I'm eighty years old, and I get LEAP, which pays 1342 01:10:39.079 --> 01:10:44.319 the propane company twice a year for pro paye for help. 1343 01:10:44.840 --> 01:10:47.359 So I waited until it was time that I could 1344 01:10:47.439 --> 01:10:51.239 have that five hundred dollars sent to my propane company. 1345 01:10:51.880 --> 01:10:55.319 And that was in December. So they came out and 1346 01:10:55.680 --> 01:10:58.479 the man, you know, he was at the tank and 1347 01:10:59.079 --> 01:11:00.399 did the tank and then. 1348 01:11:00.439 --> 01:11:01.239 Left and. 1349 01:11:02.920 --> 01:11:05.960 A couple of weeks later, I got a bill in 1350 01:11:06.079 --> 01:11:08.439 the mail from the propane company. 1351 01:11:08.520 --> 01:11:11.479 Up, all right, Caroline, we will dig into that in 1352 01:11:11.720 --> 01:11:13.359 just a minute. Hang on, we've got to take a 1353 01:11:13.439 --> 01:11:14.560 break real quick. Thank you. 1354 01:11:19.960 --> 01:11:23.239 Go with a sure thing Denver's Best roofer Excel Roofing 1355 01:11:23.319 --> 01:11:25.960 dot com. You don't pay a cent until you're content. 1356 01:11:29.359 --> 01:11:32.479 Time for an insurance check up free, no obligation comparison 1357 01:11:32.680 --> 01:11:36.199 call Compass Insurance paying too much your coverage at dozens 1358 01:11:36.239 --> 01:11:38.960 of insurance companies find out now three O three seven 1359 01:11:38.960 --> 01:11:39.520 to seven to one. 1360 01:11:39.640 --> 01:11:39.880 Help. 1361 01:11:40.079 --> 01:11:42.720 You'll think you're his only customer when you choose Frank 1362 01:11:42.800 --> 01:11:45.199 durand the real estate Man dot com to list your 1363 01:11:45.279 --> 01:11:48.920 home with Remax Alliance three three nine two zero sixteen 1364 01:11:48.960 --> 01:11:49.640 twenty two. 1365 01:11:57.319 --> 01:12:07.680 New Shooter's gonna help her. 1366 01:12:07.840 --> 01:12:08.880 Come man. 1367 01:12:09.720 --> 01:12:21.159 This is the Troubleshooter Show, now Tom Martine, all. 1368 01:12:21.159 --> 01:12:23.680 Right, all right, all right, John Fuller here filling in 1369 01:12:23.840 --> 01:12:27.079 for Tom Martino on the Troubleshooter Network. It is the 1370 01:12:27.359 --> 01:12:30.600 second half of the show, and we are rock and 1371 01:12:30.720 --> 01:12:34.039 rolling here. We are finishing up with Caroline. Caroline was 1372 01:12:34.079 --> 01:12:37.920 selling us that her story. She she got her propane fill. 1373 01:12:38.039 --> 01:12:41.680 She's on the leap assistance program. Tell us the rest 1374 01:12:41.720 --> 01:12:43.199 of the story, Caroline, what's going on? 1375 01:12:44.039 --> 01:12:49.399 Okay? They came and a couple of weeks after they 1376 01:12:49.600 --> 01:12:53.479 left us, was back in December. I got a statement 1377 01:12:53.600 --> 01:12:57.039 from the pro Paane Company for three hundred and forty 1378 01:12:57.119 --> 01:13:01.840 five dollars, and you know, I called them and you know, 1379 01:13:02.319 --> 01:13:05.159 said that I had I had leap and I had 1380 01:13:05.199 --> 01:13:08.319 to wait till I get that five hundred dollars and 1381 01:13:08.479 --> 01:13:11.079 I get as much propaine as I can get for 1382 01:13:11.239 --> 01:13:11.960 five hundred. 1383 01:13:12.239 --> 01:13:14.840 Now was that three forty five after they applied the 1384 01:13:14.920 --> 01:13:17.279 five or the five never showed up? 1385 01:13:19.439 --> 01:13:20.439 Who never showed up? 1386 01:13:20.800 --> 01:13:23.000 I said, was that? Was that really eight hundred and 1387 01:13:23.079 --> 01:13:25.319 forty five dollars of propane? And you're saying they just 1388 01:13:25.399 --> 01:13:27.680 applied the five and sent you a bill for the balance. 1389 01:13:28.159 --> 01:13:30.279 Yeah, they sent me a bill for the balance, and 1390 01:13:31.319 --> 01:13:34.079 it was supposed to have been five hundred and twelve 1391 01:13:34.279 --> 01:13:38.239 dollars with my leap. And so I called them and said, 1392 01:13:38.359 --> 01:13:43.000 you know, I ordered just five hundred dollars worth, which 1393 01:13:43.079 --> 01:13:45.199 is two hundred gallons, and I've got this bill and 1394 01:13:45.319 --> 01:13:49.920 they said that, they said, we're sorry, the driver looked 1395 01:13:49.960 --> 01:13:53.119 at the wrong ticket and you know, filled your tank 1396 01:13:54.199 --> 01:13:58.439 and that's the difference. And they said, well, don't worry 1397 01:13:58.479 --> 01:14:02.680 about it. It was our fall, so I just let 1398 01:14:02.760 --> 01:14:05.560 it be. And now I've gotten another pin in the 1399 01:14:05.640 --> 01:14:10.159 mail for that three hundred and forty five dollars that 1400 01:14:10.359 --> 01:14:13.760 they say that I got that amount of pro pain 1401 01:14:13.880 --> 01:14:17.159 that I owe that, you know, and I don't want 1402 01:14:17.199 --> 01:14:18.880 to have to go to collections. 1403 01:14:19.079 --> 01:14:23.479 Yeah, no, I understand. So Caline, did did they send 1404 01:14:23.520 --> 01:14:25.960 you an email or confirm for you that they weren't 1405 01:14:26.000 --> 01:14:28.560 going to pursue that balance over the five hundred? 1406 01:14:28.760 --> 01:14:30.199 No, it was just on the phone. 1407 01:14:30.279 --> 01:14:31.399 Do you remember who you talked to? 1408 01:14:32.439 --> 01:14:33.439 You know, I don't. 1409 01:14:33.840 --> 01:14:34.279 I don't. 1410 01:14:35.159 --> 01:14:37.439 Caroline of a question, you said, you get the five 1411 01:14:37.560 --> 01:14:41.680 hundred dollars twice a year, right, okay, so the next time, 1412 01:14:42.119 --> 01:14:44.039 the next time that you do for the five hundred, 1413 01:14:44.560 --> 01:14:46.840 they should only get one hundred and fifty five dollars 1414 01:14:47.199 --> 01:14:49.920 worth of pro pain, right, and that should balance it out. 1415 01:14:50.000 --> 01:14:51.720 I think the issue is they're going to turn her 1416 01:14:51.800 --> 01:14:54.079 over to collections and she's gotten failing and stuff. So 1417 01:14:54.560 --> 01:14:56.359 maybe do you think you'd be able to help her 1418 01:14:56.399 --> 01:14:56.600 with this. 1419 01:14:56.960 --> 01:14:58.279 I'll definitely talk to Carolina. 1420 01:14:58.359 --> 01:15:00.520 So Caroline, I'm going to assign this over to our 1421 01:15:00.560 --> 01:15:04.119 deputy Doc here, who is fantastic at getting to the 1422 01:15:04.119 --> 01:15:06.880 bottom of these issues. And I think that just reaching 1423 01:15:06.920 --> 01:15:10.119 out to this Propaine company and either working something out 1424 01:15:10.239 --> 01:15:14.159 in anticipation of the next leap payment or getting something 1425 01:15:14.239 --> 01:15:16.439 documented that they're not going to pursue collection of the 1426 01:15:16.560 --> 01:15:19.720 over you know, the the overage that they delivered to 1427 01:15:19.800 --> 01:15:21.359 you is in order. 1428 01:15:21.319 --> 01:15:23.159 So we'll hand every one way or the other. 1429 01:15:23.319 --> 01:15:25.119 Yeah, we'll hand it over to Doc and then we'll 1430 01:15:25.159 --> 01:15:27.920 look forward to a follow up here in the not 1431 01:15:28.039 --> 01:15:31.119 too distant futures. That sound okay, Caroline, you know that. 1432 01:15:31.399 --> 01:15:32.600 Would be wonderful. 1433 01:15:32.920 --> 01:15:33.319 Perfect. 1434 01:15:33.439 --> 01:15:36.159 So the problem is is that if they take that 1435 01:15:36.439 --> 01:15:39.600 and I only have one hundred and fifty dollars okay 1436 01:15:39.920 --> 01:15:43.319 over you know, that gives me hardly any pro Paine. 1437 01:15:43.720 --> 01:15:46.800 Well, I understand that, but hopefully the fact that they 1438 01:15:47.000 --> 01:15:51.359 over delivered by several gallons means you have a little 1439 01:15:51.359 --> 01:15:53.399 bit of extra in there. So either way, we're going 1440 01:15:53.439 --> 01:15:55.319 to get to the bottom of it. So Caroline, hang on, 1441 01:15:55.720 --> 01:15:58.119 We're going to get your contact information and Doc will 1442 01:15:58.159 --> 01:16:03.119 be in touch. Okay, thanks for calling, Caroline. We're gonna 1443 01:16:03.159 --> 01:16:05.159 next go to Hey, sus On the line, who has 1444 01:16:05.159 --> 01:16:07.520 a question about car insurance? Hey sus, thanks for calling. 1445 01:16:07.600 --> 01:16:08.079 What's going on? 1446 01:16:09.319 --> 01:16:12.079 Hey, John, Yes, I had a quick question. So I 1447 01:16:12.199 --> 01:16:15.159 was rear ended about two weeks ago, okay, and it 1448 01:16:15.319 --> 01:16:19.119 wasn't my fault, and there's another vehicle involved, and the 1449 01:16:19.319 --> 01:16:23.159 insurance company wants me to submit acclaim with my insurance 1450 01:16:24.079 --> 01:16:26.520 due to possible written it issues. 1451 01:16:27.479 --> 01:16:31.439 Okay. Were you injured in this accident, hey sus And 1452 01:16:31.600 --> 01:16:34.760 I was not. So we're just talking about property damage here, right. 1453 01:16:35.520 --> 01:16:38.960 Just property damage. So I have a commercial truck, okay, 1454 01:16:39.399 --> 01:16:42.680 so Ram and I have you know, commercial insurance. So 1455 01:16:43.159 --> 01:16:46.279 my insurance a month is already super high. So my 1456 01:16:46.560 --> 01:16:50.359 fear is if I go with my insurance that my 1457 01:16:50.600 --> 01:16:52.279 rates go up in the future. 1458 01:16:52.600 --> 01:16:55.520 Yeah, that's always a possibility, hey sus. So here's the deal. 1459 01:16:55.600 --> 01:16:58.920 In Colorado, as you probably know, the minimal limits for 1460 01:16:59.479 --> 01:17:03.199 property damage is only fifteen thousand dollars, which is just 1461 01:17:03.479 --> 01:17:06.359 ridiculous because there aren't that many fifteen thousand dollars cards 1462 01:17:06.399 --> 01:17:09.319 out there, but nonetheless, that is what the limit is. 1463 01:17:09.399 --> 01:17:12.279 So when you see these, you know, the General and 1464 01:17:12.359 --> 01:17:15.720 all these low end you know, Fred Loye's and stuff 1465 01:17:15.800 --> 01:17:18.800 like that, all these low end policies. The reality is 1466 01:17:18.880 --> 01:17:21.079 they've got the minimal limits across the board, So that 1467 01:17:21.199 --> 01:17:24.399 means twenty five thousand for liability and only fifteen thousand 1468 01:17:24.520 --> 01:17:28.359 for property damage. So unfortunately the only option you have 1469 01:17:28.680 --> 01:17:31.600 is going to be to file that difference on your claim. 1470 01:17:32.039 --> 01:17:34.039 They will get the full fifteen out of the at 1471 01:17:34.079 --> 01:17:37.560 fault driver's policy and apply that towards the damage, but 1472 01:17:37.720 --> 01:17:40.880 the difference will be on your policy. And again, it's 1473 01:17:40.960 --> 01:17:43.119 not your fault. They're not supposed to raise up your 1474 01:17:43.159 --> 01:17:46.000 rates because of an accident that wasn't your fault. But 1475 01:17:46.119 --> 01:17:48.760 I'm always you know, realistic about it, and an insurance 1476 01:17:48.800 --> 01:17:51.159 company can do what they want, but there is actually 1477 01:17:51.199 --> 01:17:54.159 a regulation that says they're not allowed to de rate 1478 01:17:54.239 --> 01:17:56.319 you based on an accident that wasn't your fault. 1479 01:17:57.199 --> 01:18:00.800 So very estimate came in at six thousand fix my truck. 1480 01:18:02.239 --> 01:18:05.880 So I wanted to wake this out and see what 1481 01:18:06.039 --> 01:18:08.399 the you know, am I entitled to half of that fifteen? 1482 01:18:08.640 --> 01:18:12.239 Were there multiple yeah? Were there multiple cars in the reck? 1483 01:18:13.079 --> 01:18:17.359 There's another vehicle that got that totally got salvage or 1484 01:18:17.960 --> 01:18:18.479 what do you call it? 1485 01:18:19.640 --> 01:18:21.159 Yeah, total loss? 1486 01:18:21.319 --> 01:18:21.479 Right? 1487 01:18:22.279 --> 01:18:25.399 So am I entitled to that seven thousand. 1488 01:18:25.479 --> 01:18:29.000 In that case, it would cover my damages. I see 1489 01:18:29.000 --> 01:18:29.359 it that way. 1490 01:18:29.479 --> 01:18:33.239 So you know the answer is who knows it. You've 1491 01:18:33.279 --> 01:18:36.159 got two claimants, and there's one way to look at 1492 01:18:36.199 --> 01:18:39.520 it that says we're equally entitled to, you know, an 1493 01:18:39.600 --> 01:18:41.560 equal share, and you just split it down the middle. 1494 01:18:41.640 --> 01:18:44.399 But more commonly, what they do is they try to 1495 01:18:44.479 --> 01:18:46.840 figure out the proportional amount of the loss. And so 1496 01:18:46.920 --> 01:18:50.159 if that person's car was thirty thousand dollars of loss 1497 01:18:50.199 --> 01:18:53.119 because it was a total loss, and yours is only six, 1498 01:18:53.560 --> 01:18:56.680 then your share is one sixth or whatever that comes 1499 01:18:56.720 --> 01:18:59.279 out to of the total, which means they would like 1500 01:18:59.319 --> 01:19:01.279 to say you're only entitled to one six or the 1501 01:19:01.359 --> 01:19:05.319 fifteen thousand dollars of coverage. And so that happens all 1502 01:19:05.439 --> 01:19:08.319 the time. Heyesus, And that's why you know, turning it 1503 01:19:08.399 --> 01:19:10.560 over to your insurance company at least they'll be there 1504 01:19:10.680 --> 01:19:14.159 to fight, even even through intercompany arbitration, to get the 1505 01:19:14.239 --> 01:19:17.479 biggest you know, portion of that fifteen to go towards 1506 01:19:17.520 --> 01:19:19.840 your credit and diminish the amount of the claim on 1507 01:19:19.920 --> 01:19:20.520 your policy. 1508 01:19:20.760 --> 01:19:23.399 John, does it ever pay to go after the driver personally? 1509 01:19:24.159 --> 01:19:28.680 Yes, yeah, it does, and you can get a judgment 1510 01:19:28.720 --> 01:19:31.960 against them. But you know whether or not that means 1511 01:19:32.000 --> 01:19:33.640 the insurance company is just going to write you a 1512 01:19:33.720 --> 01:19:36.079 check for the total amount of your losses is a 1513 01:19:36.159 --> 01:19:39.039 different thing, because they still only have fifteen thousand of 1514 01:19:39.159 --> 01:19:42.159 coverage and so you know, what the insurance company can 1515 01:19:42.239 --> 01:19:45.000 do at that point is either submit the entire thing 1516 01:19:45.159 --> 01:19:48.359 to to the court to figure out and then you 1517 01:19:48.439 --> 01:19:51.800 know that doesn't really benefit you that much. But if 1518 01:19:51.840 --> 01:19:54.319 you sue the guy and you get a judgment, you know, 1519 01:19:55.079 --> 01:19:58.079 you may be collecting small checks for the next three 1520 01:19:58.159 --> 01:20:01.880 years getting paid on that. But you know, the reality 1521 01:20:01.960 --> 01:20:03.560 world that we live in is doing that. 1522 01:20:03.840 --> 01:20:06.319 Okay, yeah, I don't mind doing that just but the 1523 01:20:06.399 --> 01:20:09.000 problem is I'm already paying over two thousand dollars a 1524 01:20:09.079 --> 01:20:09.960 month in insurance. 1525 01:20:10.039 --> 01:20:13.560 Holy holy well, listen, hey, sous. If you've got the 1526 01:20:13.640 --> 01:20:16.560 ability to not put this on your on your insurance 1527 01:20:17.079 --> 01:20:19.840 and to go after him directly or to self finance 1528 01:20:19.920 --> 01:20:23.239 and get this thing fixed, you absolutely have the right 1529 01:20:23.439 --> 01:20:27.600 that is well below the statutory maximum of small claims court. 1530 01:20:28.279 --> 01:20:30.960 You can if you need to find all the forms 1531 01:20:31.000 --> 01:20:33.319 for that, you can go to Colorado Supreme Court dot 1532 01:20:33.399 --> 01:20:36.039 com and they have a whole package under their self 1533 01:20:36.119 --> 01:20:40.199 help section of the forms and the instructions and where 1534 01:20:40.279 --> 01:20:42.119 and how and who you have to you know, file 1535 01:20:42.239 --> 01:20:45.479 and serve and it's super easy, and it sounds like 1536 01:20:45.600 --> 01:20:48.560 under these circumstances you would will Can you. 1537 01:20:48.920 --> 01:20:51.199 Pay out from being Can I take a payout from 1538 01:20:51.319 --> 01:20:52.000 the insurance? 1539 01:20:52.119 --> 01:20:55.720 Not really for him? No, they're gonna if you take 1540 01:20:55.760 --> 01:20:57.880 a payout, they're going to require you to sign a 1541 01:20:57.960 --> 01:20:59.960 release that lets that be the end of the road. 1542 01:21:00.239 --> 01:21:03.199 But if you get a judgment against them, then certainly 1543 01:21:03.319 --> 01:21:06.439 any amount that they haven't paid, they're going to want 1544 01:21:06.479 --> 01:21:08.960 to contact you and try to work something out. So 1545 01:21:09.720 --> 01:21:12.399 very good strategy, I think if you're in the situation 1546 01:21:12.560 --> 01:21:16.520 you're in, that's definitely how I would go and pursue that. 1547 01:21:17.199 --> 01:21:19.439 And you know, let the cards fall where they will. 1548 01:21:19.520 --> 01:21:22.119 You may find that they come back and magically find 1549 01:21:22.159 --> 01:21:24.399 a little extra money to make you hold there. 1550 01:21:24.600 --> 01:21:24.880 Got it? 1551 01:21:25.520 --> 01:21:25.640 Now? 1552 01:21:25.720 --> 01:21:29.119 They don't disclose his limits? Is that something you can 1553 01:21:29.239 --> 01:21:32.359 do to find out or yeah, how Colorado works? 1554 01:21:32.560 --> 01:21:35.800 No, Colorado is a shall disclose state. And what that 1555 01:21:36.000 --> 01:21:38.319 says under the law is and it's kind of a 1556 01:21:38.399 --> 01:21:40.439 pain to be honest with you. But if you send 1557 01:21:41.039 --> 01:21:45.439 a registered letter to the to the insurance Commission requesting 1558 01:21:45.560 --> 01:21:47.760 their limits and stuff. They have to give it to you, 1559 01:21:47.800 --> 01:21:49.840 and I think the timeframe is like thirty days. 1560 01:21:50.520 --> 01:21:52.079 But got it, You know, let me send that. 1561 01:21:52.560 --> 01:21:54.680 But you can absolutely do that. Look that up on 1562 01:21:54.760 --> 01:21:59.039 the insurance company regulations and if you want to contact 1563 01:21:59.079 --> 01:22:01.680 my office later on and we can direct you to 1564 01:22:01.760 --> 01:22:04.319 the exact statute that you can cite. I don't have 1565 01:22:04.439 --> 01:22:06.960 it right here at my fingertips, but but yeah, you 1566 01:22:07.039 --> 01:22:08.680 send that letter out and they'll they'll tell you what 1567 01:22:08.760 --> 01:22:11.520 the limits are. And usually if they're in this situation 1568 01:22:11.560 --> 01:22:13.800 where they're claiming minimal limits or and they don't have 1569 01:22:13.960 --> 01:22:16.560 enough coverage, they'll tell you what the coverage is. They 1570 01:22:16.600 --> 01:22:18.800 can't just say we don't have enough, but I'm not 1571 01:22:18.840 --> 01:22:20.319 allowed to tell you what our limits are. 1572 01:22:20.479 --> 01:22:22.960 You saying that it may reach limits. It may like 1573 01:22:23.079 --> 01:22:25.720 that's what they keep saying. Yeah, they get very on 1574 01:22:25.800 --> 01:22:26.199 the phone. 1575 01:22:26.840 --> 01:22:29.439 You may find that when you when you serve their guy, 1576 01:22:29.560 --> 01:22:31.319 they get a little more easy to work with. 1577 01:22:32.479 --> 01:22:32.800 Got it. 1578 01:22:32.960 --> 01:22:34.560 Okay, that's all I need to know. 1579 01:22:34.800 --> 01:22:38.159 That be the approach. I would takes good luck to you. 1580 01:22:38.279 --> 01:22:42.279 Let us know how it works out. Okay, all right, 1581 01:22:42.399 --> 01:22:44.880 so we're gonna move along here. We have open lines 1582 01:22:44.920 --> 01:22:47.760 once again, and we are here to help you with 1583 01:22:47.960 --> 01:22:50.119 the problems that you have. We're going to take a 1584 01:22:50.199 --> 01:22:52.000 quick break. We'll be right back. Give us a call 1585 01:22:52.079 --> 01:22:53.319 and we'll help you out in your deal. 1586 01:22:58.960 --> 01:23:02.239 Go with a sure thing Denver's Best roofer Excel Roofing 1587 01:23:02.319 --> 01:23:04.960 dot com. You don't pay a cent until you're content. 1588 01:23:08.359 --> 01:23:11.520 Time for an insurance check up free, no obligation comparison 1589 01:23:11.680 --> 01:23:15.199 call Compass Insurance paying too much your coverage at dozens 1590 01:23:15.239 --> 01:23:17.960 of insurance companies find out now three all three seven 1591 01:23:17.960 --> 01:23:20.279 to seven to one help. You'll think you're his only 1592 01:23:20.439 --> 01:23:22.840 customer when you choose Frank durand the real estate Man 1593 01:23:22.920 --> 01:23:26.319 dot com to list your home with Remax Alliance three 1594 01:23:26.399 --> 01:23:28.479 all three nine two zero sixteen twenty two. 1595 01:23:38.319 --> 01:23:40.760 All right, all right, all right, John Fuller back sitting 1596 01:23:40.800 --> 01:23:43.960 in for Tom Martinez on the Troubleshooter Show. We are 1597 01:23:45.319 --> 01:23:47.800 having a great time this afternoon talking about things. We're 1598 01:23:47.880 --> 01:23:50.720 going to go to the phones here. We've got a 1599 01:23:50.880 --> 01:23:53.720 question from Warren. Warren, what is going on with you, sir? 1600 01:23:56.079 --> 01:23:58.960 Actually, Hi, John, I think that's you I talked to 1601 01:24:00.000 --> 01:24:03.119 several months ago. Okay, I wanted to add I wanted 1602 01:24:03.159 --> 01:24:05.680 to add my wife to the deed of our house. 1603 01:24:05.920 --> 01:24:08.840 Okay, They said to do a. 1604 01:24:08.880 --> 01:24:09.680 Quick claim deed. 1605 01:24:09.800 --> 01:24:12.039 I talked to Chappa. 1606 01:24:11.720 --> 01:24:14.840 Who has our loan, okay, and they said, I only 1607 01:24:14.960 --> 01:24:19.279 need to just send them a handwritten letter signing it 1608 01:24:20.359 --> 01:24:22.399 adding my wife to those deeds. 1609 01:24:22.439 --> 01:24:24.760 Signing a quick claim or just as signing the letter. 1610 01:24:26.079 --> 01:24:29.319 They said that it didn't have to do a quick claim. 1611 01:24:29.399 --> 01:24:32.399 I don't understand why that is. 1612 01:24:32.800 --> 01:24:36.760 Yeah, I would suggest that that's not good advice because 1613 01:24:36.840 --> 01:24:39.800 no sign letter is going to actually transfer an interest 1614 01:24:39.880 --> 01:24:43.079 in that property. Now here's the issue you may run into, Warren, 1615 01:24:43.199 --> 01:24:46.079 is that sometimes these these loan companies have a provision 1616 01:24:46.760 --> 01:24:49.239 in the actual deed that that's like a do on 1617 01:24:49.359 --> 01:24:52.359 sale clause. And if you if you actually transfer it, 1618 01:24:52.439 --> 01:24:54.760 even though it's really not a sale, but you are 1619 01:24:54.920 --> 01:24:58.199 transferring it technically from you to you and your wife 1620 01:24:58.399 --> 01:25:00.760 and in some fashion either and it's in common or 1621 01:25:01.000 --> 01:25:03.880 or joint tenants or whatever it is you guys may do, 1622 01:25:04.399 --> 01:25:07.279 and so it technically is a sale, and it does 1623 01:25:07.479 --> 01:25:11.560 change to a slight degree the strength of their first 1624 01:25:11.640 --> 01:25:13.720 deed of trust position on there. And so some of 1625 01:25:13.800 --> 01:25:17.920 them don't really care but other ones are really opposed 1626 01:25:17.960 --> 01:25:20.760 to any sort of a transfer like that. So the 1627 01:25:21.680 --> 01:25:24.960 best thing that we can probably do is is, you know, 1628 01:25:25.079 --> 01:25:27.039 put you on hold, and let's get a real estate 1629 01:25:27.079 --> 01:25:29.600 attorney here to see if we can really narrow down 1630 01:25:29.680 --> 01:25:32.760 the advice on that. So Warren, hang on. We're going 1631 01:25:32.840 --> 01:25:34.600 to get an expert on the line and see if 1632 01:25:34.640 --> 01:25:37.960 we can't get a specific answer to your question. Okay, sir, 1633 01:25:39.039 --> 01:25:41.520 I appreciate it, all right, you hang on the phone here, 1634 01:25:41.680 --> 01:25:44.279 So we're going to call and see if we can 1635 01:25:44.359 --> 01:25:48.680 get an expert on the line and take care of that. 1636 01:25:48.880 --> 01:25:51.880 So we're going to move to a slightly different feature here. 1637 01:25:52.520 --> 01:25:55.359 Mister Dimitri has come into the studio today with an 1638 01:25:55.560 --> 01:25:59.159 entire list of questions. Here stump the PI attorney, and 1639 01:25:59.199 --> 01:26:00.880 we're going to see if I can't answer a few 1640 01:26:00.920 --> 01:26:04.319 of those two to help out people. So thanks John. 1641 01:26:04.680 --> 01:26:06.359 You know, I've always wondered about this thing. 1642 01:26:06.920 --> 01:26:08.640 If I get in a car crash and the other 1643 01:26:08.800 --> 01:26:11.560 driver is at fault, and this isn't the context of 1644 01:26:11.760 --> 01:26:15.359 preserving both my credibility and ability to recover monetary damages, 1645 01:26:15.399 --> 01:26:17.840 should I be able to prove some let's say a 1646 01:26:17.880 --> 01:26:19.840 guy's in the car crash. He gets banged up a 1647 01:26:19.880 --> 01:26:22.840 little bit, some bruises, some aches, maybe a bloody lip, 1648 01:26:23.520 --> 01:26:26.279 but that doesn't seem like enough to go to the hospital. 1649 01:26:26.319 --> 01:26:28.840 At an ambulance. You know, if a guy is a 1650 01:26:28.880 --> 01:26:31.319 little sore, he's probably gonna think, yeah, you know, I'll 1651 01:26:31.399 --> 01:26:32.960 just give it a few days, a couple of weeks, 1652 01:26:32.960 --> 01:26:36.880 I'll get better. So he declines the ambulance services, goes home, 1653 01:26:37.359 --> 01:26:39.439 and over the next couple of weeks, you know, some 1654 01:26:39.560 --> 01:26:41.800 of the bruises heel. But now, man, you know, the 1655 01:26:41.920 --> 01:26:44.359 neck is getting a little bit more painful maybe, or 1656 01:26:44.359 --> 01:26:46.600 the knees getting a little more painful. And then he 1657 01:26:46.680 --> 01:26:49.479 finally goes to the urgent care and they said, oh, yeah, 1658 01:26:49.520 --> 01:26:52.840 you've got all of this damage and it's actually serious 1659 01:26:52.920 --> 01:26:56.920 to you, moderate to serious damage. Did this hypothetical guy 1660 01:26:57.239 --> 01:26:59.680 really give up any of his ability to recover by 1661 01:26:59.760 --> 01:27:01.520 not going to the hospital right away. 1662 01:27:01.840 --> 01:27:04.000 He hasn't given it up, but he has certainly made 1663 01:27:04.039 --> 01:27:07.039 it more difficult to carry his burden of proof. So, 1664 01:27:07.239 --> 01:27:09.640 as the plaintiff in the accident, you have the burden 1665 01:27:09.680 --> 01:27:13.840 of proofing that that all of the claimed injuries were reasonable, necessary, 1666 01:27:13.920 --> 01:27:17.000 and related to the accident. Okay, And so that's really 1667 01:27:17.119 --> 01:27:20.319 the reason why we really try to get people to 1668 01:27:20.399 --> 01:27:23.319 go to the emergency room, go to urgent care, do 1669 01:27:23.439 --> 01:27:26.720 whatever they can do to help begin to document those injuries. 1670 01:27:26.800 --> 01:27:30.000 So even if you go and get discharged, saying just 1671 01:27:30.159 --> 01:27:32.039 monitor and see how you feel in a few days 1672 01:27:32.439 --> 01:27:35.119 and then you you, you know, you find out that 1673 01:27:35.199 --> 01:27:37.840 it's much more serious, at least you kind of put 1674 01:27:37.920 --> 01:27:40.199 a place marker in place that you can go back 1675 01:27:40.279 --> 01:27:42.279 and say, I went and this is what they told 1676 01:27:42.319 --> 01:27:45.520 me to do. One of the worst things that I 1677 01:27:45.760 --> 01:27:48.800 just hate seeing is people that go home and then 1678 01:27:48.880 --> 01:27:51.319 get on YouTube and figure out what the you know, 1679 01:27:51.439 --> 01:27:54.279 the exercises are to do to help help my neck 1680 01:27:54.359 --> 01:27:56.880 at home and stuff like that, because let me tell 1681 01:27:56.920 --> 01:28:00.800 you that has zero credibility that you add that problem 1682 01:28:00.960 --> 01:28:03.880 that you did those exercises, that a doctor would have 1683 01:28:04.000 --> 01:28:07.239 told you to do those exercises, or worse yet, that 1684 01:28:07.359 --> 01:28:10.359 you would have been instructed to take off work or 1685 01:28:10.399 --> 01:28:12.720 any of those things. I mean, you've got to keep 1686 01:28:12.760 --> 01:28:14.640 in mind that you have that burden of proof, and 1687 01:28:14.760 --> 01:28:17.720 it starts from the moment that that crash ends until 1688 01:28:17.840 --> 01:28:20.359 the moment that we sit down and work out of settlement. 1689 01:28:20.439 --> 01:28:22.359 With that insurance company, And is. 1690 01:28:22.399 --> 01:28:25.640 It better to go from the perspective of maintaining credibility 1691 01:28:25.680 --> 01:28:28.600 in the context of proving these damages. Is it better 1692 01:28:28.680 --> 01:28:31.560 to go to the emergency room or going to the 1693 01:28:31.640 --> 01:28:35.560 nearest urgent care which will probably cost twenty thousand less 1694 01:28:35.720 --> 01:28:37.840 per visit? Are those two about the same? 1695 01:28:38.000 --> 01:28:39.520 Or is it better to go to some place. 1696 01:28:39.399 --> 01:28:41.720 Really serious even though if you don't feel like you 1697 01:28:41.880 --> 01:28:44.000 really need to be in the back of an ambulance. 1698 01:28:43.680 --> 01:28:46.199 Right now, well you don't have to take an ambulance 1699 01:28:46.319 --> 01:28:49.600 to the er. And many people, if their car is drivable, 1700 01:28:49.720 --> 01:28:51.359 or if they have a family member that comes out 1701 01:28:51.399 --> 01:28:53.840 to the scene, they'll take their own vehicle to the 1702 01:28:54.199 --> 01:28:57.119 er and get checked out. And that's perfectly fine. Some 1703 01:28:57.319 --> 01:29:00.199 people have, for instance, Kaiser and they want to go 1704 01:29:00.239 --> 01:29:02.840 to a Kaiser doctor or a Kaiser hospital instead of 1705 01:29:03.279 --> 01:29:05.760 the one right across the street where they're going to 1706 01:29:05.800 --> 01:29:09.560 get taken. And there's nothing wrong with that, Okay. I 1707 01:29:09.680 --> 01:29:13.680 have nothing against an urgent care facility either. However, most 1708 01:29:13.840 --> 01:29:16.119 urgent care facilities aren't going to have the ability to 1709 01:29:16.199 --> 01:29:19.279 do an MRI. Only some of them have the ability 1710 01:29:19.359 --> 01:29:21.479 to do X rays, not all of them have really 1711 01:29:21.600 --> 01:29:24.520 high end X rays and stuff. So the quality of 1712 01:29:24.600 --> 01:29:26.800 the care that you get if you have something more 1713 01:29:26.920 --> 01:29:30.199 than just a bump and a bruise may really be 1714 01:29:30.439 --> 01:29:33.920 better at the emergency room than at the urgent care center. 1715 01:29:34.399 --> 01:29:36.439 As far as the cost of it is concerned, I 1716 01:29:36.560 --> 01:29:39.840 get that, but we run into that in every case. 1717 01:29:39.880 --> 01:29:45.079 I mean, we're juggling available sources of payment between medpay, 1718 01:29:45.720 --> 01:29:49.600 private health insurance, leans, anything under the sun to try 1719 01:29:49.640 --> 01:29:51.359 to get our clients the care that they need. So 1720 01:29:51.439 --> 01:29:53.760 it's better to take care of you and let us 1721 01:29:53.840 --> 01:29:56.239 worry about the bill down the road than it is 1722 01:29:56.359 --> 01:29:59.199 to not get the care at all and not spend 1723 01:29:59.279 --> 01:29:59.680 that money. 1724 01:30:00.319 --> 01:30:02.319 Now, thank you, John. Now in front of you, you 1725 01:30:02.640 --> 01:30:05.720 have a print out that's my auto insurance policy limits 1726 01:30:05.760 --> 01:30:08.079 over there. Can you take a look at that and 1727 01:30:08.159 --> 01:30:10.520 let me know how much of that can I use 1728 01:30:10.600 --> 01:30:14.800 for my own hospital or urgent care bills without relying 1729 01:30:14.840 --> 01:30:17.239 on the other driver's insurance right off the bat. 1730 01:30:17.560 --> 01:30:18.000 Yeah, so. 1731 01:30:20.279 --> 01:30:22.960 You've got pretty good insurance here, So you know, listen, 1732 01:30:23.000 --> 01:30:24.520 I'm going to talk about a scenario in a few 1733 01:30:24.560 --> 01:30:28.199 minutes where having insurance or having the other side's insurance 1734 01:30:28.319 --> 01:30:31.439 can sometimes be a problem and for the first time, 1735 01:30:31.560 --> 01:30:33.640 and this client I'm sure is listening right now and 1736 01:30:33.720 --> 01:30:35.760 we'll know that I'm talking about them, but for the 1737 01:30:35.840 --> 01:30:38.159 first time. This is a case where I almost hope 1738 01:30:38.199 --> 01:30:40.960 that the other guy doesn't have insurance. But to look 1739 01:30:41.000 --> 01:30:44.000 at your policy here, we have a mandatory coverage in 1740 01:30:44.079 --> 01:30:48.000 Colorado called medpay, and it's an optional coverage. It's mandatory, 1741 01:30:48.039 --> 01:30:50.680 but you can wave it, so whatever that means mandatory 1742 01:30:50.760 --> 01:30:53.720 with an asterisk next to it, but if you don't 1743 01:30:53.760 --> 01:30:57.199 wave it. The standard amount of medpay is five thousand dollars. 1744 01:30:57.720 --> 01:31:01.920 Not all carriers will offer unmitted medpay, some will offer ten, 1745 01:31:02.520 --> 01:31:05.800 some will offer fifty or one hundred thousand. Your carrier, 1746 01:31:05.840 --> 01:31:07.319 I don't know who it is, but they seem to 1747 01:31:07.399 --> 01:31:10.600 be offering twenty five. I would guess maybe State Farm 1748 01:31:10.760 --> 01:31:11.439 or something on that. 1749 01:31:11.760 --> 01:31:14.319 At Ding Ding Ding, And you've done this before and 1750 01:31:14.399 --> 01:31:16.560 that they told me that's the maximum of all of 1751 01:31:16.640 --> 01:31:17.479 those line items. 1752 01:31:17.560 --> 01:31:20.880 State Farm offers twenty five thousand in medpay and that's 1753 01:31:20.920 --> 01:31:23.760 a good coverage. And we'll talk about right after the 1754 01:31:23.800 --> 01:31:26.800 break exactly how medpay gets used in an accident. But 1755 01:31:26.920 --> 01:31:28.960 we're starting off on a good level and we'll go 1756 01:31:29.039 --> 01:31:30.079 from there. When we get right back. 1757 01:31:36.159 --> 01:31:39.439 Go with a sure thing Denver's Best roofer Excel Roofing 1758 01:31:39.560 --> 01:31:42.159 dot com. You don't pay a cent until you're content. 1759 01:31:45.560 --> 01:31:48.720 Time for an insurance checkup free, no obligation. In comparison, 1760 01:31:48.880 --> 01:31:52.399 call Compass Insurance paying too much your coverage at dozens 1761 01:31:52.439 --> 01:31:55.159 of insurance companies find out now three all three, seven 1762 01:31:55.199 --> 01:31:57.520 to seven to one help. You'll think you're his only 1763 01:31:57.640 --> 01:31:59.960 customer when you choose Frank durand the real estate man 1764 01:32:00.840 --> 01:32:03.920 to list your home with Remax Alliance three all three 1765 01:32:04.039 --> 01:32:05.680 nine two zero sixteen twenty two. 1766 01:32:16.159 --> 01:32:18.319 All right, all right, all right, John Fuller back on 1767 01:32:18.479 --> 01:32:21.239 the Tom Martinez Show Troubleshooter Network. We are here to 1768 01:32:21.319 --> 01:32:24.039 help you with your problems. We saw problems, answer questions, 1769 01:32:24.079 --> 01:32:26.720 and take complaints, and we are here to help you. 1770 01:32:26.880 --> 01:32:28.560 So give us a call. We have open lines right 1771 01:32:28.600 --> 01:32:32.159 now and we can do everything under the sun. I 1772 01:32:32.239 --> 01:32:34.199 am a personal injury attorney, and so if you have 1773 01:32:34.399 --> 01:32:37.960 questions that relate to insurance, car accidents, anything like that, 1774 01:32:38.720 --> 01:32:40.239 make sure to give us a call. We'd be happy 1775 01:32:40.279 --> 01:32:42.680 to help out. We had a call on the last 1776 01:32:42.760 --> 01:32:47.640 segment named Warren, who was interested in transferring his sole 1777 01:32:47.840 --> 01:32:51.439 interest in his home over to both him and his wife, 1778 01:32:51.479 --> 01:32:53.680 and he wanted to do that via a quick claim 1779 01:32:53.800 --> 01:32:58.680 deed and was told by his mortgage company that all 1780 01:32:58.720 --> 01:33:00.600 he had to do was just send a letter saying 1781 01:33:00.600 --> 01:33:02.239 I'd like to add her to the deed and that 1782 01:33:02.399 --> 01:33:04.359 somehow that would make it happen. And that to me 1783 01:33:04.520 --> 01:33:08.000 sounds a little less than the formal way to do that, 1784 01:33:08.079 --> 01:33:09.760 And so I wanted to get Dan McKenzie on the 1785 01:33:09.800 --> 01:33:15.479 line with OLS Law to talk to us about exactly, 1786 01:33:15.800 --> 01:33:18.000 you know, does that do it? Can you just send 1787 01:33:18.199 --> 01:33:21.039 a letter to the mortgage company or are they going 1788 01:33:21.119 --> 01:33:23.279 to have to follow up with a more formal quick 1789 01:33:23.319 --> 01:33:26.000 claim deed or some other transference to get. 1790 01:33:25.880 --> 01:33:26.560 Her on that deed. 1791 01:33:27.840 --> 01:33:29.960 Yeah, you got to do a deed to get to 1792 01:33:30.000 --> 01:33:31.880 get her on the deed. I think the mortgage company 1793 01:33:31.960 --> 01:33:34.279 might have been thinking they're asking about maybe adding her 1794 01:33:34.359 --> 01:33:37.880 to the loan, and it's I guess it's good to 1795 01:33:37.920 --> 01:33:41.279 hear that they're open to doing that without requiring a refinance. 1796 01:33:41.359 --> 01:33:44.199 But to actually get her on the deed would require 1797 01:33:44.239 --> 01:33:46.039 a deed from him to both of them. 1798 01:33:46.720 --> 01:33:49.000 Dan, in your practice, do you ever run into problems 1799 01:33:49.079 --> 01:33:51.880 with like a do on sale clause when in your 1800 01:33:52.199 --> 01:33:54.600 estate planning and stuff. You want to you know, juggle 1801 01:33:54.680 --> 01:33:57.520 around the ownership of a property. I mean, do the 1802 01:33:57.560 --> 01:34:00.479 mortgage companies normally let you do that or did they 1803 01:34:00.560 --> 01:34:01.319 sometimes balk? 1804 01:34:02.359 --> 01:34:04.159 You have to be careful. I mean, if you're if 1805 01:34:04.159 --> 01:34:07.079 you're quit claiming it from yourself to a revocable living 1806 01:34:07.119 --> 01:34:09.680 trust that you're setting up, there's no do on sale 1807 01:34:10.119 --> 01:34:14.680 clause issue. If you're if you're moving it over into 1808 01:34:14.800 --> 01:34:18.479 like an LLC, like if it's a rental property. That 1809 01:34:18.680 --> 01:34:21.079 is an issue we Warren clients about a lot, is 1810 01:34:21.159 --> 01:34:22.920 that that could be considered a sale. 1811 01:34:23.720 --> 01:34:24.960 So anything other than. 1812 01:34:24.840 --> 01:34:28.199 A revocal living trust, Yes, there are some concerns. I 1813 01:34:28.319 --> 01:34:30.880 don't know if adding a spouse, I mean, he's still 1814 01:34:30.960 --> 01:34:33.800 going to be on that deed, he's still responsible for 1815 01:34:33.880 --> 01:34:34.279 that loan. 1816 01:34:34.359 --> 01:34:35.119 I don't know that that. 1817 01:34:35.159 --> 01:34:37.600 Would necessarily trigger the do on sale clause. But it 1818 01:34:37.680 --> 01:34:39.880 sounds like he's already conferred with them and they said that, 1819 01:34:40.960 --> 01:34:42.920 and that seems like they're saying that it wouldn't do that. 1820 01:34:43.560 --> 01:34:46.000 It seems like you probably have a better idea of 1821 01:34:46.079 --> 01:34:47.920 what they were saying. They probably thought she was just 1822 01:34:48.000 --> 01:34:51.000 getting added to the loan. But let me ask you this. 1823 01:34:51.119 --> 01:34:54.560 Would it also matter how they plan to take the 1824 01:34:54.640 --> 01:34:57.840 property through that quick claim deed, Like if they wanted 1825 01:34:57.880 --> 01:35:01.039 to do it as tenants in common versus you know, 1826 01:35:01.159 --> 01:35:04.520 joint tenancy, would that potentially raise an issue with the 1827 01:35:04.560 --> 01:35:05.359 mortgage company. 1828 01:35:06.439 --> 01:35:06.640 Yeah? 1829 01:35:06.720 --> 01:35:08.439 I can see that because if they do it at 1830 01:35:08.520 --> 01:35:10.560 tenants in common, she's going to own a. 1831 01:35:10.680 --> 01:35:13.640 Separate share from half of the property, right Yeah, And. 1832 01:35:13.680 --> 01:35:16.920 If she passed away, her share could go to someone 1833 01:35:17.039 --> 01:35:20.920 other than him potentially, which happens sometimes by accident. So 1834 01:35:21.640 --> 01:35:23.439 I could see them being more concerned about that. 1835 01:35:24.159 --> 01:35:26.199 Are there ways if they were to contact you that 1836 01:35:26.279 --> 01:35:28.640 you could still accomplish giving her an interest in the 1837 01:35:28.720 --> 01:35:31.119 property or protecting her interest in the event that he 1838 01:35:31.239 --> 01:35:34.840 passed away if they did have an ornery little do 1839 01:35:35.000 --> 01:35:35.760 on sale clause? 1840 01:35:36.880 --> 01:35:39.039 Yeah, I mean, you know, there's something else that consider 1841 01:35:39.039 --> 01:35:41.119 as a beneficiary to you just saying she would get 1842 01:35:41.159 --> 01:35:43.159 the house if he passed away and that does not 1843 01:35:43.359 --> 01:35:46.760 affect current ownership. So that's also a way to potentially 1844 01:35:46.840 --> 01:35:48.680 do it. But whatever they do, I would say, like, 1845 01:35:49.239 --> 01:35:49.600 don't do. 1846 01:35:49.680 --> 01:35:50.279 This on your own. 1847 01:35:50.319 --> 01:35:51.680 A lot of people do this on their own because 1848 01:35:51.720 --> 01:35:53.520 it seems like it's a transaction between me and my 1849 01:35:53.560 --> 01:35:56.119 wife and it's no big deal. And we've seen things 1850 01:35:56.279 --> 01:35:58.960 like the husband instead of quick claiming into both of 1851 01:35:59.000 --> 01:36:01.159 them quick claims that they're and now she owns it 1852 01:36:01.319 --> 01:36:03.439 and like they thought, oh, we'll just do it this way, 1853 01:36:03.560 --> 01:36:05.079 and uh, that'll put. 1854 01:36:04.960 --> 01:36:05.439 Her on there. 1855 01:36:05.520 --> 01:36:08.000 It's like, no, you just transferred ownership one percent from 1856 01:36:08.000 --> 01:36:09.279 you to her. 1857 01:36:09.840 --> 01:36:09.960 Right. 1858 01:36:10.239 --> 01:36:12.800 What you just said actually happens all the time. People 1859 01:36:12.920 --> 01:36:15.520 put the person on the deed and don't specify that 1860 01:36:15.600 --> 01:36:17.880 it's joined. And if it's not specified that it's joined, 1861 01:36:17.920 --> 01:36:20.159 then it is tenants in common right, And that's a 1862 01:36:20.279 --> 01:36:22.560 fine way to own property together. Just but you want 1863 01:36:22.560 --> 01:36:25.720 to understand what the legal implications that are. So I 1864 01:36:25.760 --> 01:36:29.479 would just tell your caller like, yes, you can absolutely 1865 01:36:29.479 --> 01:36:30.319 adder to the deed. 1866 01:36:30.439 --> 01:36:31.319 It's not hard to do. 1867 01:36:31.520 --> 01:36:33.960 You do need a deed, don't do it on your own. 1868 01:36:34.359 --> 01:36:36.760 Yeah. I think that's great advice. Dan, Dan, tell the 1869 01:36:36.840 --> 01:36:38.439 listeners how they can get a hold of you to 1870 01:36:38.840 --> 01:36:39.520 follow up on this. 1871 01:36:40.880 --> 01:36:41.800 They can call us at. 1872 01:36:41.880 --> 01:36:45.319 Eight three three COEO Plans or go to co Plans 1873 01:36:45.359 --> 01:36:45.680 dot co. 1874 01:36:47.119 --> 01:36:48.439 I have a question for Dan. 1875 01:36:48.960 --> 01:36:53.359 Go ahead, Bo, Dan, it's Bo and I am going 1876 01:36:53.439 --> 01:36:56.000 to come in to your office next month and finish up. 1877 01:36:56.079 --> 01:37:00.439 I haven't forgotten, okay, I do. I do have a 1878 01:37:00.520 --> 01:37:05.079 question on these beneficiary deeds. Now, does the beneficiary deed 1879 01:37:05.319 --> 01:37:08.600 do you need to file that while you're alive or 1880 01:37:08.680 --> 01:37:11.000 does it get recorded after death? 1881 01:37:11.760 --> 01:37:13.960 Now you have to record it during lifetime. If it's 1882 01:37:14.039 --> 01:37:15.560 not recorded during lifetime, it will. 1883 01:37:15.479 --> 01:37:16.159 Not be effective. 1884 01:37:17.159 --> 01:37:23.319 Okay, all right, yeah, very interesting. Here's another question. What 1885 01:37:23.439 --> 01:37:26.039 if if we have a beneficiary deed and the beneficiary 1886 01:37:26.159 --> 01:37:31.680 predecease is the deed holder. Does that just make it 1887 01:37:31.800 --> 01:37:34.000 Nolan Boyd It just becomes a normal deed at that 1888 01:37:34.079 --> 01:37:34.600 point or what? 1889 01:37:35.600 --> 01:37:37.800 That is an interesting question that I actually don't know 1890 01:37:37.920 --> 01:37:40.920 the answer to the top of my head. I would 1891 01:37:41.119 --> 01:37:44.159 suspect that, yes, it probably does become Nolan Boyd, but 1892 01:37:44.279 --> 01:37:46.239 I guess I have to check to make sure it 1893 01:37:46.319 --> 01:37:50.039 doesn't become part of that person's estate, right, But it 1894 01:37:50.119 --> 01:37:52.159 seems like yes, if they're not around, I mean, we 1895 01:37:52.239 --> 01:37:55.000 put their address on that deed to reflect that it's 1896 01:37:55.159 --> 01:37:57.920 very personalized to them. So I would say if the 1897 01:37:58.000 --> 01:38:00.920 deed does not say to them or the descendants say, 1898 01:38:01.079 --> 01:38:02.399 I suspect. 1899 01:38:02.000 --> 01:38:03.640 That the default is it would. 1900 01:38:04.800 --> 01:38:09.520 Just be buoying, just be void at that point. All right, 1901 01:38:09.600 --> 01:38:12.079 won't hold you to it. Dan, thank you for the information. 1902 01:38:12.199 --> 01:38:14.880 We appreciate it. The callers have your information as eight 1903 01:38:14.920 --> 01:38:17.439 three three, CEO planned to get a hold of Dan 1904 01:38:17.600 --> 01:38:19.720 called him to do all of your state planning needs. 1905 01:38:19.840 --> 01:38:20.279 Thanks Dan. 1906 01:38:21.560 --> 01:38:22.439 So we are. 1907 01:38:22.479 --> 01:38:26.560 Continuing to go through Dmitri's stump the PI lawyer list 1908 01:38:26.680 --> 01:38:29.680 over here. We do have a couple open lines here. 1909 01:38:29.720 --> 01:38:32.359 If you have a question you'd like to to get 1910 01:38:32.399 --> 01:38:34.039 on the air. Now, would be a great time to 1911 01:38:34.079 --> 01:38:36.800 give us a call. What do you got there, Dmitri? 1912 01:38:36.880 --> 01:38:37.640 What's your next list? 1913 01:38:38.359 --> 01:38:38.600 John? 1914 01:38:38.720 --> 01:38:41.800 I was one of the early adapters in the area 1915 01:38:41.960 --> 01:38:44.600 of dash cams, and I've just been a you know, 1916 01:38:44.800 --> 01:38:50.920 religiously constant user of one. Is it better to permanently 1917 01:38:51.039 --> 01:38:56.479 disable the audio recording feature on the dash cam because 1918 01:38:56.720 --> 01:39:01.039 in the event that becomes evidence I don't want or 1919 01:39:01.279 --> 01:39:04.399 is it possible that if I'm overheard speaking on the 1920 01:39:04.520 --> 01:39:08.000 phone or playing with a radio or doing something like that, 1921 01:39:08.239 --> 01:39:10.560 could that be used against me? And is it better 1922 01:39:10.720 --> 01:39:13.000 just to preemptively disabled audio recording? 1923 01:39:13.279 --> 01:39:15.279 That's that's going to take more than just a second 1924 01:39:15.319 --> 01:39:17.359 to answer, So we'll get that right after the break here. 1925 01:39:17.840 --> 01:39:19.399 A great question, though, Hang on. 1926 01:39:25.600 --> 01:39:28.840 Go with a sure thing Denver's Best roofer Excel Roofing 1927 01:39:28.960 --> 01:39:29.359 dot com. 1928 01:39:29.560 --> 01:39:31.560 You don't pay a cent until you're content. 1929 01:39:34.960 --> 01:39:38.479 Time for an insurance checkup free no obligation comparison call 1930 01:39:38.640 --> 01:39:41.880 Compass Insurance paying too much your coverage at dozens of 1931 01:39:41.960 --> 01:39:44.640 insurance companies find out now three all three seven to 1932 01:39:44.680 --> 01:39:45.119 seven to one. 1933 01:39:45.279 --> 01:39:45.520 Help. 1934 01:39:45.720 --> 01:39:48.319 You'll think you're his only customer when you choose Frank 1935 01:39:48.399 --> 01:39:50.800 durand the real estate Man dot com to list your 1936 01:39:50.880 --> 01:39:54.000 home with Remax Alliance three all three nine two zero 1937 01:39:54.119 --> 01:39:55.079 sixteen twenty two. 1938 01:40:00.520 --> 01:40:03.840 All right, good afternoon, John Fuller here on the Troubleshooter Network. 1939 01:40:04.039 --> 01:40:07.680 We are rapidly moving through the third hour of the show. 1940 01:40:08.680 --> 01:40:12.159 Dimitri asked a question a moment ago about dash cans, 1941 01:40:12.199 --> 01:40:14.520 and we're going to get into that in some detail. 1942 01:40:15.560 --> 01:40:18.600 I really feel strongly about dash cans, and and and 1943 01:40:19.560 --> 01:40:22.840 and and and have found them to be incredibly valuable 1944 01:40:22.960 --> 01:40:25.920 on a number of different cases. We're gonna go to 1945 01:40:26.000 --> 01:40:27.800 the callers real quick. We've got Paul on the line 1946 01:40:27.800 --> 01:40:29.520 about a car accident, and then we'll get right back 1947 01:40:29.560 --> 01:40:32.039 to the dash cans in just a second. Paul, welcome 1948 01:40:32.079 --> 01:40:32.439 to the show. 1949 01:40:32.479 --> 01:40:36.920 What's going on yeah, John, is there anything that we 1950 01:40:37.079 --> 01:40:43.479 thought about auguinally claims? You know, people that allege that 1951 01:40:43.600 --> 01:40:45.439 they're hurt and they're really not. I mean, I know 1952 01:40:45.520 --> 01:40:51.600 of an instance the real recently someone was rerendered. I mean, 1953 01:40:51.680 --> 01:40:55.880 the impact was less than ten miles an hour, and 1954 01:40:59.199 --> 01:41:02.279 of the party was claiming, you know, whiplash and right 1955 01:41:03.319 --> 01:41:04.680 store nets and everything else. 1956 01:41:04.840 --> 01:41:05.800 Means, did this. 1957 01:41:05.880 --> 01:41:10.159 Happen to you, Paul? Yes, yeah, Paul. Did you have 1958 01:41:10.239 --> 01:41:11.239 insurance at the time. 1959 01:41:12.079 --> 01:41:12.279 Yes. 1960 01:41:13.039 --> 01:41:16.119 So this is one of those things where you know, 1961 01:41:16.239 --> 01:41:19.760 as much as you feel that the party had no 1962 01:41:19.960 --> 01:41:24.760 injury and that any claim of injury is just you know, fraudulent, 1963 01:41:25.760 --> 01:41:28.359 the bottom line is that the insurance company and every 1964 01:41:28.520 --> 01:41:33.560 insurance contract reserves for themselves the discretion to do as 1965 01:41:33.640 --> 01:41:37.520 they please with these claims. And so I recently was 1966 01:41:37.640 --> 01:41:41.239 told by an USAA adjuster that, you know, we're going 1967 01:41:41.319 --> 01:41:44.359 to offer so and so. This was a different matter, 1968 01:41:44.479 --> 01:41:46.640 but it wasn't my client, but they said we're going 1969 01:41:46.720 --> 01:41:49.239 to offer so and so five hundred dollars because you know, 1970 01:41:49.439 --> 01:41:51.720 she may just take it before it goes to a 1971 01:41:51.840 --> 01:41:54.640 lawyer or something. And so, you know, there are times 1972 01:41:54.720 --> 01:41:58.640 when they just make the game time decision that they 1973 01:41:58.760 --> 01:42:01.560 want to step been in settle a case to avoid 1974 01:42:02.119 --> 01:42:04.079 you know it going the distance. But here's what I 1975 01:42:04.119 --> 01:42:09.680 can tell you, there is no room for fraud in 1976 01:42:10.279 --> 01:42:15.520 the personal injuries space beyond just the very bare bones 1977 01:42:15.600 --> 01:42:20.800 bottom frivolous you know, unsupported claims, because anytime that we're 1978 01:42:20.840 --> 01:42:23.520 looking at a claim that's going to get into more money, 1979 01:42:23.800 --> 01:42:26.720 or you know, a claim of future need for medical 1980 01:42:26.760 --> 01:42:29.800 care or loss wages and stuff, there's just not an 1981 01:42:29.840 --> 01:42:34.159 insurance company out there that doesn't require proof of those damages, 1982 01:42:35.399 --> 01:42:39.079 documents and medical records and everything else that support those 1983 01:42:39.159 --> 01:42:42.800 claimed injuries before they're willing to pony up the money. Now, 1984 01:42:42.880 --> 01:42:45.319 of course, somebody can go down and file a lawsuit, 1985 01:42:45.439 --> 01:42:48.560 and who knows what happens in a lawsuit, but generally speaking, 1986 01:42:48.680 --> 01:42:53.000 juries get it right, and these you know, insurance companies 1987 01:42:53.039 --> 01:42:55.520 are just not going to pay more than just a 1988 01:42:55.720 --> 01:42:59.680 token small amount to make somebody go away when there's 1989 01:42:59.720 --> 01:43:02.119 no will prove for evidence of the injury. And so 1990 01:43:02.199 --> 01:43:04.000 if it truly was a ten mile an hour rear 1991 01:43:04.039 --> 01:43:08.199 in crash, you know, that's just I'm not going to 1992 01:43:08.239 --> 01:43:10.880 say that there aren't injuries that can happen from that crash. 1993 01:43:11.560 --> 01:43:13.800 But certainly there's going to be a lot more scrutiny 1994 01:43:13.840 --> 01:43:17.159 from the insurance company, but they reserve that prerogative to 1995 01:43:17.279 --> 01:43:18.760 make that decision themselves. 1996 01:43:21.279 --> 01:43:25.920 Well, how how discriminating doctors usually you know in such 1997 01:43:25.960 --> 01:43:26.359 a case. 1998 01:43:27.720 --> 01:43:30.920 Well, I mean, if you're saying, are there doctors out 1999 01:43:30.960 --> 01:43:36.279 there that will dummy up medical records? I suppose. I 2000 01:43:36.399 --> 01:43:40.079 suppose that there are there are less ethical doctors than 2001 01:43:40.199 --> 01:43:42.880 others out there. But at the end of the day, 2002 01:43:42.960 --> 01:43:45.239 I mean, a doctor can write one thing, but when 2003 01:43:45.279 --> 01:43:48.119 it comes to producing X rays and MRIs that show 2004 01:43:48.239 --> 01:43:51.079 the actual damage, that's a lot harder than dummy up. 2005 01:43:51.840 --> 01:43:54.279 So I mean that only goes so far if you 2006 01:43:54.439 --> 01:43:56.439 if you have a doctor that's willing to stretch the 2007 01:43:56.479 --> 01:43:59.920 truth a little bit. And in my practice, I can't 2008 01:44:00.079 --> 01:44:02.960 just get a single doctor's note without any other supporting 2009 01:44:03.039 --> 01:44:06.079 documentation and get a great outcome on a case. And 2010 01:44:06.239 --> 01:44:09.359 so certainly my law firm would never take on a 2011 01:44:09.439 --> 01:44:12.239 case like that, and we'd never work with a doctor 2012 01:44:12.399 --> 01:44:15.600 that was known for doing dummied up report. So it's 2013 01:44:15.680 --> 01:44:18.960 kind of a self policing type environment out there. I 2014 01:44:19.000 --> 01:44:21.479 can't say it never happens, but it certainly doesn't happen 2015 01:44:21.800 --> 01:44:23.319 on a wide scale basis, Hey. 2016 01:44:23.239 --> 01:44:25.840 Paul, do you have proof that was a ten mile 2017 01:44:25.880 --> 01:44:30.840 an hour crash or just by the limited damage on 2018 01:44:30.920 --> 01:44:32.520 your car, just by. 2019 01:44:32.439 --> 01:44:34.760 The limited damage of my Caducy, does that fix. 2020 01:44:36.560 --> 01:44:37.680 Have any effect? John? 2021 01:44:38.520 --> 01:44:41.920 It does? But I mean they've they've done cadaver studies 2022 01:44:41.960 --> 01:44:44.319 and they've done crash tests, you know, studies and stuff. 2023 01:44:44.359 --> 01:44:47.640 They prove that there's not always a correlation between the 2024 01:44:47.760 --> 01:44:50.279 speed of the collision and the damage that happens to 2025 01:44:50.359 --> 01:44:52.920 the occupants. Okay, and that's a fact. I mean that 2026 01:44:53.439 --> 01:44:56.720 you just can't say five miles an hour equals no injury, 2027 01:44:57.119 --> 01:45:00.399 because for some people it does. All I'm really saying 2028 01:45:00.600 --> 01:45:02.680 is they're not going to just take her word for it. 2029 01:45:02.880 --> 01:45:05.079 What about like maybe a pre existing condition that was 2030 01:45:05.119 --> 01:45:06.680 exacerbated by this time, Honor. 2031 01:45:06.800 --> 01:45:09.399 Absolutely, But then again, we're going to have documents that 2032 01:45:09.520 --> 01:45:12.520 support that the existence of that pre existing condition, and 2033 01:45:12.600 --> 01:45:14.239 they're going to make them come up with those to 2034 01:45:14.319 --> 01:45:16.079 be able to show what it was before and what 2035 01:45:16.199 --> 01:45:19.520 it was after. Certainly things can get exacerbated and maybe 2036 01:45:19.600 --> 01:45:23.199 even more so, you know, for something that existed before. 2037 01:45:24.079 --> 01:45:26.359 But they're just not going to do it based on 2038 01:45:26.479 --> 01:45:28.880 the word of the injured party. They're going to require 2039 01:45:28.920 --> 01:45:32.399 that extra documentation, those scams, those MRIs, the things that 2040 01:45:32.479 --> 01:45:34.800 can help prove it up. So good luck to you, Paul. 2041 01:45:34.920 --> 01:45:37.319 Your carrier is keeping an eye on this, I promise, 2042 01:45:37.399 --> 01:45:39.279 and they're not just going to pay out a big, 2043 01:45:39.399 --> 01:45:41.880 huge sum of money without there being some hard evidence 2044 01:45:41.920 --> 01:45:46.119 and proof of the the the other person's injuries. All right, 2045 01:45:48.640 --> 01:45:51.199 I appreciate the call, Paul. We'll be moving on here. 2046 01:45:52.479 --> 01:45:56.039 We have Dimitri's questions still pending about the dash cans. 2047 01:45:56.079 --> 01:45:58.319 Let's talk about dash cans. So I'm going to take 2048 01:45:58.359 --> 01:46:01.079 a little bit of a tangent here. So I was 2049 01:46:01.119 --> 01:46:03.039 talking to a client this morning who happens to be 2050 01:46:03.399 --> 01:46:07.079 a police officer on a large metro police agency, and 2051 01:46:07.239 --> 01:46:10.920 so the topic comes up. And this particular client has 2052 01:46:10.960 --> 01:46:13.399 many times told me, John, you're always dissing on the cops. 2053 01:46:13.479 --> 01:46:16.479 You're always, you know, talking bad about the lazy cops 2054 01:46:16.560 --> 01:46:19.399 and everything else. And I explained to him, and I'll 2055 01:46:19.399 --> 01:46:22.600 explain to the listeners today. Here's my true feeling about it. 2056 01:46:23.119 --> 01:46:25.159 I don't think it's a surprise to anybody that the 2057 01:46:25.279 --> 01:46:29.199 cops are understaffed these days. He said on his agency, 2058 01:46:29.279 --> 01:46:31.880 they were at about eighty percent of the number of 2059 01:46:31.960 --> 01:46:35.840 police officers that they should have just to be adequately staffed, 2060 01:46:35.880 --> 01:46:38.800 and so you effectively have eighty percent of the cops 2061 01:46:38.880 --> 01:46:41.479 doing one hundred percent of the job. And so it's 2062 01:46:41.600 --> 01:46:43.680 no secret that when they show up at the scene 2063 01:46:43.720 --> 01:46:46.399 of an accident, they can really go two ways. They 2064 01:46:46.439 --> 01:46:48.960 can do the minimal that they need to get up 2065 01:46:49.000 --> 01:46:51.039 to the next three or four calls that are stacked 2066 01:46:51.119 --> 01:46:53.520 up on their agenda, or they can take their time 2067 01:46:53.600 --> 01:46:57.760 and do a really exhaustive, you know, police investigation. Sometimes 2068 01:46:58.239 --> 01:47:00.680 they take the former route, and we that with less 2069 01:47:00.720 --> 01:47:03.239 information that we would like. We'll be right back after 2070 01:47:03.279 --> 01:47:05.000 this break. We'll pick that up where I left off. 2071 01:47:19.199 --> 01:47:22.439 Go with a sure thing Denver's Best roofer Excel Roofing 2072 01:47:22.560 --> 01:47:25.199 dot com. You don't pay a cent until you're content. 2073 01:47:26.800 --> 01:47:31.039 Please time for an insurance check up free no obligation 2074 01:47:31.159 --> 01:47:35.039 comparison call Compass Insurance paying too much your coverage at 2075 01:47:35.079 --> 01:47:37.800 dozens of insurance companies find out now three O three, 2076 01:47:37.960 --> 01:47:39.119 seven to seven to one help. 2077 01:47:39.319 --> 01:47:41.079 You'll think you're his only customer. 2078 01:47:41.159 --> 01:47:43.319 When you choose Frank durand the Real estate Man dot 2079 01:47:43.439 --> 01:47:46.720 com to list your home with Remax Alliance three oh 2080 01:47:46.800 --> 01:47:48.720 three nine two zero sixteen twenty two. 2081 01:47:58.680 --> 01:47:59.479 So you don't have. 2082 01:48:01.720 --> 01:48:02.520 Come running. 2083 01:48:02.760 --> 01:48:04.199 Just as fast as we can. 2084 01:48:04.960 --> 01:48:08.079 Shooter's gonna help come man. 2085 01:48:08.920 --> 01:48:15.760 This he is the Troubleshooter Show. Now, Tom Martinez, Good afternoon. 2086 01:48:15.880 --> 01:48:18.760 This is John Fuller filling in for Tom Martino and 2087 01:48:18.800 --> 01:48:22.319 the Troubleshooter Network. Here in the last hour of today's show. 2088 01:48:23.039 --> 01:48:26.640 We are rocking and rolling. We're talking about dash cams, 2089 01:48:26.680 --> 01:48:28.279 and I kind of got off in a little bit 2090 01:48:28.279 --> 01:48:30.479 of a tangent talking about the police and stuff. And 2091 01:48:30.520 --> 01:48:32.199 the reason for doing that is just to help you 2092 01:48:32.319 --> 01:48:35.640 understand the challenges that we're having out there right now. 2093 01:48:36.159 --> 01:48:38.520 And even though we have many fine people on these 2094 01:48:38.600 --> 01:48:41.399 police forces, and many that try to do the absolute 2095 01:48:41.479 --> 01:48:44.359 best job that they can, they're spread really thin right now. 2096 01:48:44.600 --> 01:48:46.920 And so if a if a police officer shows up, 2097 01:48:46.960 --> 01:48:49.159 and we truly have two different people that are saying 2098 01:48:49.239 --> 01:48:53.319 the exact opposite about what happens. Sometimes the police are 2099 01:48:53.399 --> 01:48:56.239 just saying, well, he said, she said, I don't know. 2100 01:48:56.880 --> 01:49:00.319 Nobody gets sighted. They just leave and run up the 2101 01:49:00.399 --> 01:49:03.199 report and they go on to the next call. And 2102 01:49:03.640 --> 01:49:07.279 the problem with that is that completely innocent people can 2103 01:49:07.439 --> 01:49:11.600 lose huge just because of that. Because both people go 2104 01:49:11.720 --> 01:49:14.000 back to their insurance company tell them what happens, the 2105 01:49:14.079 --> 01:49:16.600 insurance company believes they're insured and that's the position that 2106 01:49:16.680 --> 01:49:19.439 they take. And so if the at fault really at fault, 2107 01:49:19.479 --> 01:49:21.640 guy says I didn't do it, it wasn't my fault, 2108 01:49:22.119 --> 01:49:25.159 and his company denies liability. You know, you could have 2109 01:49:25.279 --> 01:49:28.920 somebody And I've had clients who have just liability coverage, 2110 01:49:28.960 --> 01:49:31.640 only they don't have any way to cover their car 2111 01:49:31.880 --> 01:49:35.039 while this dispute goes on, and so all of a sudden, 2112 01:49:35.079 --> 01:49:38.000 they've lost a car, they have no transportation. Then they 2113 01:49:38.079 --> 01:49:40.399 lose their job because they can't get to work, and 2114 01:49:40.520 --> 01:49:42.760 it just snowballs, and then they're out of a place 2115 01:49:42.840 --> 01:49:46.279 to live. And I mean this is not just purely hypothetical. 2116 01:49:46.359 --> 01:49:48.560 I've actually had clients that have been in this position 2117 01:49:49.159 --> 01:49:52.000 all because of police report and a crash that could 2118 01:49:52.000 --> 01:49:54.680 have been identified, or they could have looked for, you know, 2119 01:49:54.960 --> 01:49:57.920 for street cameras and stuff like that that might have 2120 01:49:58.039 --> 01:50:01.199 actually led to the determined of who the at fault 2121 01:50:01.239 --> 01:50:03.880 party was. But because they just said, you know what, 2122 01:50:04.079 --> 01:50:06.239 both parties said it was the other guy's fault, and 2123 01:50:06.319 --> 01:50:08.119 I couldn't figure it out. I went on my way, 2124 01:50:08.520 --> 01:50:10.880 And so that's the reality of the world that we 2125 01:50:11.000 --> 01:50:13.720 live in. We have these problems more and more in 2126 01:50:13.800 --> 01:50:16.600 my practice than we ever did ten years ago or 2127 01:50:16.680 --> 01:50:20.079 so before all the craziness started. And so you have 2128 01:50:20.239 --> 01:50:22.840 to ask yourself, Look, we have a crisis of insurance 2129 01:50:22.880 --> 01:50:25.520 where a million people are out there with no insurance 2130 01:50:25.560 --> 01:50:28.720 at all. We have a crisis of getting accurate police 2131 01:50:28.760 --> 01:50:32.079 reports because of factors that are completely out of the 2132 01:50:32.119 --> 01:50:35.199 control of the police and everybody else. So what do 2133 01:50:35.319 --> 01:50:38.840 we do to remedy that we protect ourselves. We go 2134 01:50:38.960 --> 01:50:42.279 out and we get really good insurance so that we're covered, 2135 01:50:42.319 --> 01:50:45.479 our families covered, we have the medical bills covered, we 2136 01:50:45.560 --> 01:50:48.760 have the ability to pay out of one pocket so 2137 01:50:48.920 --> 01:50:51.760 that if we have big kopays and deductibles coming at 2138 01:50:51.840 --> 01:50:54.479 us from another angle, were covered and it's not going 2139 01:50:54.560 --> 01:50:57.720 to be a financial catastrophe to you and your family 2140 01:50:57.840 --> 01:50:59.800 in the event that something happens and it's one of 2141 01:50:59.800 --> 01:51:03.439 these guys that has minimal limits or there's multiple vehicles 2142 01:51:03.520 --> 01:51:06.720 involved and there's just no other source to really immediately 2143 01:51:06.840 --> 01:51:09.800 pay other than your policy. The second thing we do 2144 01:51:10.119 --> 01:51:13.319 is we get a dash cam because The only way 2145 01:51:13.399 --> 01:51:17.039 that you can completely eliminate the question about what happened 2146 01:51:17.079 --> 01:51:19.520 in the accident and who was at fault, and what 2147 01:51:19.720 --> 01:51:21.720 the color of the light was, and what the speed 2148 01:51:21.800 --> 01:51:23.840 of the other car was and all these factors that 2149 01:51:24.520 --> 01:51:28.119 go into a fault or a liability determination is to 2150 01:51:28.239 --> 01:51:31.000 have that camera in your car. And like Doc said, 2151 01:51:31.039 --> 01:51:34.000 one hundred and fifty bucks, and it's there. You don't 2152 01:51:34.000 --> 01:51:35.640 even think about it. It comes on every time you 2153 01:51:35.720 --> 01:51:38.119 get in your car. You don't have to rewind it 2154 01:51:38.279 --> 01:51:41.720 or do anything. It's just there. And if something happens, 2155 01:51:42.199 --> 01:51:44.239 you just reach up and you press a button and 2156 01:51:44.359 --> 01:51:47.079 it senses that the car was in an accident. Many 2157 01:51:47.119 --> 01:51:49.840 times it'll auto save. If not, you just eject the 2158 01:51:49.880 --> 01:51:53.159 little SD card and magically you have a copy of 2159 01:51:53.239 --> 01:51:56.560 what happened. I've even had accidents where witnesses come up 2160 01:51:56.640 --> 01:51:59.800 and say, you know, they'll hand the police officer a 2161 01:52:00.159 --> 01:52:03.000 mini SD card and say, hey, I had a dash cam. 2162 01:52:03.159 --> 01:52:05.479 It caught this accident. I was right behind it. It 2163 01:52:05.600 --> 01:52:08.439 caught everything. This will be important to you and lo 2164 01:52:08.600 --> 01:52:10.359 and behold it's super important. 2165 01:52:11.079 --> 01:52:12.399 So in my. 2166 01:52:12.520 --> 01:52:16.520 Opinion, it's just a necessary extra step. We know we 2167 01:52:16.640 --> 01:52:19.439 need good insurance but we also know we need these 2168 01:52:19.520 --> 01:52:22.359 dash cans. It's it's just a small price to pay 2169 01:52:22.880 --> 01:52:25.359 to have that extra security and the knowledge that you're 2170 01:52:25.399 --> 01:52:26.239 covered in case I have. 2171 01:52:26.640 --> 01:52:31.039 Unfortunately, the people who can pay out of pocket are Oh, 2172 01:52:31.399 --> 01:52:33.800 the people who can pay out of pocket are the 2173 01:52:33.880 --> 01:52:37.880 people who can afford increased insurance limits. Unfortunately, it's the 2174 01:52:37.920 --> 01:52:42.199 people who can't afford super insurance that are the ones 2175 01:52:42.239 --> 01:52:44.319 that can't afford to cover it out of their own pocket. 2176 01:52:44.800 --> 01:52:49.319 So having a dashcam eliminates that extra charge. And it's 2177 01:52:49.359 --> 01:52:52.159 a one time fee. It's not a recurring fee every 2178 01:52:52.239 --> 01:52:53.119 month or every year. 2179 01:52:54.279 --> 01:52:57.520 No, you're absolutely right. There's no cost or subscription model 2180 01:52:57.560 --> 01:52:59.840 that goes into too running those things. Once you have them, 2181 01:52:59.840 --> 01:53:01.720 they just run and you don't even have to think 2182 01:53:01.760 --> 01:53:04.680 about them. So so going back to the coverage that 2183 01:53:04.800 --> 01:53:08.640 Dimitri has, I mean, looking at this, you've got two 2184 01:53:08.720 --> 01:53:11.880 fifty a person five hundred each accident. That's a liability 2185 01:53:11.960 --> 01:53:15.279 coverage that protects you in the event that you hurt 2186 01:53:15.359 --> 01:53:17.840 somebody else and you're at fault for an accident. And 2187 01:53:17.920 --> 01:53:20.760 so that's really good liability coverage. But in my opinion, 2188 01:53:21.199 --> 01:53:24.079 the only reason why you want to have the two 2189 01:53:24.199 --> 01:53:26.479 fifty and five hundred coverage unless you have just a 2190 01:53:26.560 --> 01:53:28.840 lot of you know, liquid assets that you really are 2191 01:53:28.920 --> 01:53:31.439 at risk. Is so that you're allowed to have that 2192 01:53:31.640 --> 01:53:35.079 same exact coverage and uninsured motorist coverage which you have. 2193 01:53:35.640 --> 01:53:38.279 And so if you get injured in an accident that's 2194 01:53:38.359 --> 01:53:42.399 somebody else's fault, it doesn't matter what their insurance is. 2195 01:53:42.800 --> 01:53:45.319 You know that you've got at least two fifty for 2196 01:53:45.439 --> 01:53:48.359 that accident per person and up to five hundred for 2197 01:53:48.439 --> 01:53:52.720 the entire accident, So that two fifty pays for medical, 2198 01:53:53.560 --> 01:53:57.439 that two fifty. So uninsured motors coverage is looked at 2199 01:53:57.479 --> 01:53:59.159 as if they were standing in the shoes of the 2200 01:53:59.199 --> 01:54:02.399 at fault party. Okay, so that means everything that they 2201 01:54:02.479 --> 01:54:05.119 would have been liable for you are. We're not talking 2202 01:54:05.119 --> 01:54:09.680 about property damage, that's separate, but we're talking about your 2203 01:54:09.920 --> 01:54:12.680 medical bills, your lost wages, your pain and suffering, your 2204 01:54:12.720 --> 01:54:17.840 future medicals, any physical impairment, all the other damages that 2205 01:54:17.920 --> 01:54:21.079 would typically be paid for by a well insured at 2206 01:54:21.159 --> 01:54:24.479 fault defendant, they're now being paid for by your own 2207 01:54:24.600 --> 01:54:28.159 insurance company with a favorable standard of care when they 2208 01:54:28.199 --> 01:54:30.840 evaluate the damages for you, because it's your company. 2209 01:54:31.640 --> 01:54:35.279 Do you have an umbrella policy, because that would come 2210 01:54:35.359 --> 01:54:38.039 in after the insurance limits are reached. 2211 01:54:38.119 --> 01:54:38.439 Correct. 2212 01:54:38.920 --> 01:54:43.560 Yeah, So an umbrella policy traditionally is an extra liability policy, 2213 01:54:43.640 --> 01:54:47.079 which would add on to Dimitri's initial coverage of two 2214 01:54:47.199 --> 01:54:50.279 fifty and five hundred, meaning that if he had additional 2215 01:54:50.399 --> 01:54:53.479 liability really really hurt somebody or a lot of people, 2216 01:54:53.920 --> 01:54:56.680 that would stack on top of that and provide additional coverage. 2217 01:54:57.359 --> 01:55:00.920 But in my opinion, the coolest thing about reli policies 2218 01:55:01.039 --> 01:55:03.119 is that many of them will also sell you an 2219 01:55:03.239 --> 01:55:07.560 uninsured motorist writer, which is an extra little you know, 2220 01:55:07.960 --> 01:55:10.640 a little sub policy if you will, that adds the 2221 01:55:10.760 --> 01:55:15.239 same amount of uninsured motorist coverage to that umbrella policy, 2222 01:55:15.399 --> 01:55:18.319 So that now Dimitri would still have the two fifty 2223 01:55:18.399 --> 01:55:21.800 five hundred of underlying um limits, but now he has 2224 01:55:22.199 --> 01:55:24.880 two fifty plus a million, so a million two point 2225 01:55:24.880 --> 01:55:28.199 fifty or a million five hundred, depending on the circumstances 2226 01:55:28.239 --> 01:55:32.359 of the accident. So that's amazing, and all in all, 2227 01:55:32.439 --> 01:55:35.640 I have to say that your insurance is really not 2228 01:55:35.840 --> 01:55:36.479 that crazy. 2229 01:55:36.800 --> 01:55:37.359 Do you have them? 2230 01:55:37.920 --> 01:55:40.600 Is that when you say, when you're impressed with my 2231 01:55:40.680 --> 01:55:43.640 insurance coverage, do you feel like that also makes me 2232 01:55:43.720 --> 01:55:47.479 a more attractive target to litigious claimants. 2233 01:55:48.680 --> 01:55:52.119 I really don't. I mean, ultimately, it's the damages that 2234 01:55:52.199 --> 01:55:56.000 are going to drive the claims. And so if you 2235 01:55:56.079 --> 01:55:59.079 don't hurt somebody really bad, no matter how much insurance 2236 01:55:59.119 --> 01:56:01.880 you have, their claim is not going to be that significant. Okay, 2237 01:56:02.960 --> 01:56:07.039 But what's better to be uninsured or underinsured and have 2238 01:56:07.199 --> 01:56:10.760 a huge liability claim coming at you or to have huge, 2239 01:56:10.840 --> 01:56:13.479 great insurance and their claim is what it is? 2240 01:56:13.880 --> 01:56:16.720 You know, I'd rather have great insurance, and especially since 2241 01:56:16.920 --> 01:56:20.079 it also seems to be great at covering me, I 2242 01:56:20.199 --> 01:56:23.640 don't want to rely on the other party's insurance coverage 2243 01:56:24.000 --> 01:56:28.000 because odds are they're either not insured or underinsured, or 2244 01:56:28.039 --> 01:56:29.840 they're going to take off and I'll never figure out 2245 01:56:29.880 --> 01:56:33.039 who they were anyway. Yeah, that was the driving, uh, 2246 01:56:33.199 --> 01:56:35.960 you know, motivator for you to max out on every 2247 01:56:36.079 --> 01:56:37.600 line item on auto insurance. 2248 01:56:37.760 --> 01:56:40.680 Right I mentioned earlier. I finally met the first case 2249 01:56:40.720 --> 01:56:43.279 where I'm actually hoping that the at fault guy is 2250 01:56:43.520 --> 01:56:46.159 is is uninsured. And we'll talk about that in just 2251 01:56:46.239 --> 01:56:48.520 a second. We've got a caller here, Leroy, with a 2252 01:56:48.600 --> 01:56:51.000 question on restraining orders. What is going on, Leroy? 2253 01:56:53.720 --> 01:56:57.159 Yeah, My question is how do you protect yourself from 2254 01:56:57.279 --> 01:57:02.640 getting or from people that you're doing have done nothing too, 2255 01:57:02.840 --> 01:57:03.880 you know previous ones. 2256 01:57:04.279 --> 01:57:07.039 Is this a civil restraining order or the type of 2257 01:57:07.119 --> 01:57:10.319 restraining order that comes after charges have been filed against you? 2258 01:57:12.359 --> 01:57:15.439 It's not a civil one, okay? 2259 01:57:15.680 --> 01:57:18.239 Is it the ones that the court put in after 2260 01:57:18.399 --> 01:57:19.560 charges have been filed. 2261 01:57:21.560 --> 01:57:25.199 No, it's going down a person like an ex girlfriend 2262 01:57:25.279 --> 01:57:28.760 put it in. Then I'm tagging upon doing all this stuff, 2263 01:57:28.840 --> 01:57:31.520 and they're trying to serve me with a restraining order. 2264 01:57:31.600 --> 01:57:33.720 And I ain't seen a person three or four years, 2265 01:57:34.399 --> 01:57:35.920 and this has happened two or three. 2266 01:57:35.840 --> 01:57:36.680 Times in the pan. 2267 01:57:37.279 --> 01:57:40.039 So that a that is what we call a civil 2268 01:57:40.119 --> 01:57:42.800 restraining order. The other one is a criminal restraining order, 2269 01:57:42.800 --> 01:57:45.880 and it comes after after charges have been filed. So 2270 01:57:46.079 --> 01:57:48.720 luckily you don't have one of those because that's mandatory 2271 01:57:48.800 --> 01:57:51.119 and you really you're probably going to get serve that 2272 01:57:51.239 --> 01:57:53.479 one in court while you're in custody, is kind of 2273 01:57:53.520 --> 01:57:56.319 how it normally happens. But the one you're talking about 2274 01:57:56.399 --> 01:57:59.239 is a civil restraining order, and and you know, you 2275 01:57:59.319 --> 01:58:01.439 can avoid service for as long as you want, but 2276 01:58:01.600 --> 01:58:04.800 at the point that you get served, there is an 2277 01:58:04.840 --> 01:58:07.199 opportunity to be heard in court and for them to 2278 01:58:07.359 --> 01:58:10.680 listen to your side of the story and rebut that 2279 01:58:11.000 --> 01:58:13.800 and if it's a situation where the judge doesn't find 2280 01:58:13.840 --> 01:58:18.399 that the claims of the person asking for the restraining 2281 01:58:18.520 --> 01:58:21.920 order are legitimate, then they won't enter it. And so, 2282 01:58:22.600 --> 01:58:25.079 you know, don't miss that opportunity to go in and 2283 01:58:25.199 --> 01:58:27.760 set the record straight on what is going on and 2284 01:58:27.920 --> 01:58:30.159 why that restraining order should not be issued. But if 2285 01:58:30.199 --> 01:58:31.840 you ignore that and you don't go to court, then 2286 01:58:31.880 --> 01:58:35.119 there's restraining orders going to issue, and then the violation 2287 01:58:35.279 --> 01:58:37.640 of that does become a criminal charge. And that's just 2288 01:58:37.760 --> 01:58:40.600 a whole ballot bag of worms that you don't want 2289 01:58:40.680 --> 01:58:43.359 to you don't want to open up. So thanks for 2290 01:58:43.439 --> 01:58:46.359 the call, Lee Royan. I was gonna say, I hope 2291 01:58:46.399 --> 01:58:47.800 that helps. Did that answer your question? 2292 01:58:49.720 --> 01:58:49.920 Well? 2293 01:58:50.079 --> 01:58:53.479 No, no really, because mcquinton is how do I avoid it? 2294 01:58:53.680 --> 01:58:55.119 And I don't even know when to go to court? 2295 01:58:55.199 --> 01:58:57.840 And I ain't seen nothing because you haven't been served yet. 2296 01:58:57.920 --> 01:58:59.680 As soon as they actually serve you, you're going to 2297 01:58:59.720 --> 01:59:01.880 get the court date and it's going to tell you 2298 01:59:02.000 --> 01:59:04.239 what court to go to and what time and all 2299 01:59:04.279 --> 01:59:07.079 that kind of stuff. Okay, the person that. 2300 01:59:10.000 --> 01:59:12.720 Sending me a tech a copy of it. No, I'm 2301 01:59:12.760 --> 01:59:14.840 trying to find out can I do something before you 2302 01:59:15.039 --> 01:59:15.600 get served? 2303 01:59:15.680 --> 01:59:15.880 Good? 2304 01:59:15.920 --> 01:59:17.800 It's happened three or four times and they can throw 2305 01:59:17.880 --> 01:59:18.119 it out. 2306 01:59:18.520 --> 01:59:21.000 Okay, all right, hang on just a second, La, We'll 2307 01:59:21.000 --> 01:59:22.439 get to that question in just a moment. 2308 01:59:22.479 --> 01:59:31.119 All right, Hang tight, Go with a sure thing Denver's 2309 01:59:31.199 --> 01:59:34.039 Best roofer Excel Roofing dot com. You don't pay a 2310 01:59:34.199 --> 01:59:40.600 cent until you're content. Time for an insurance check up free, 2311 01:59:40.760 --> 01:59:44.439 no obligation. In comparison, call Compass Insurance paying too much 2312 01:59:44.600 --> 01:59:47.479 your coverage at dozens of insurance companies find out now 2313 01:59:47.640 --> 01:59:49.079 three all three seven to seven to one. 2314 01:59:49.239 --> 01:59:49.479 Help. 2315 01:59:49.640 --> 01:59:52.319 You'll think you're his only customer when you choose Frank 2316 01:59:52.359 --> 01:59:54.760 durand the real estate Man dot com to list your 2317 01:59:54.840 --> 01:59:57.960 home with Remax Alliance three all three nine two zero 2318 01:59:58.079 --> 01:59:59.039 sixteen twenty two. 2319 02:00:06.800 --> 02:00:09.079 All right, good afternoon. John Fuller here is still filling 2320 02:00:09.119 --> 02:00:11.800 in for Tom Martine in the Troubleshooter Network. We are 2321 02:00:11.920 --> 02:00:14.800 going back to Leroy on the line. So, Leroy, so 2322 02:00:14.920 --> 02:00:17.039 here's the deal. You're saying. The gal that's trying to 2323 02:00:17.039 --> 02:00:19.479 get a restraining order against you has actually texted you 2324 02:00:20.119 --> 02:00:22.600 a copy of the order, but they haven't actually served 2325 02:00:22.640 --> 02:00:22.960 it on you. 2326 02:00:23.159 --> 02:00:23.640 Is that right? 2327 02:00:24.760 --> 02:00:24.920 Right? 2328 02:00:25.760 --> 02:00:28.159 And so your question is how can I make this 2329 02:00:28.319 --> 02:00:30.960 go away without going to court and without being served? 2330 02:00:32.640 --> 02:00:35.439 Well that too, but my really question is how do 2331 02:00:35.520 --> 02:00:37.920 you keep someone keep doing this when they wake up 2332 02:00:38.000 --> 02:00:40.000 and have a bipolar day and this one to just 2333 02:00:40.560 --> 02:00:42.159 take you to court for no reason to say, I 2334 02:00:42.199 --> 02:00:44.600 ain't trying to go on to get served, I ain't 2335 02:00:44.600 --> 02:00:46.199 trying to go with no corner, I ain't trying to 2336 02:00:46.239 --> 02:00:48.079 go on no jail or nothing for something. 2337 02:00:49.039 --> 02:00:52.640 I absolutely understand what you're saying. The challenge is this, 2338 02:00:53.239 --> 02:00:56.159 she didn't get that order just by filling out paperwork. 2339 02:00:56.239 --> 02:00:57.840 She had to go in front of the judge and 2340 02:00:57.960 --> 02:01:01.039 tell the judge what she felt like the credible threat 2341 02:01:01.279 --> 02:01:04.119 was that you were to her, and she had to 2342 02:01:04.239 --> 02:01:07.359 use specific examples in order to get the judge to say, yes, 2343 02:01:07.439 --> 02:01:10.359 we're going to go ahead and issue the temporary restraining order. 2344 02:01:10.800 --> 02:01:13.880 And temporary is the key word. It is a temporary order. 2345 02:01:14.199 --> 02:01:17.039 It can only be enforced after it's been served on you. 2346 02:01:17.560 --> 02:01:20.199 But it's temporary because you then get a court date 2347 02:01:20.239 --> 02:01:22.159 where you get to go in and say, your honor, 2348 02:01:22.560 --> 02:01:25.359 here's what's going on, and present any you know, statement 2349 02:01:25.479 --> 02:01:28.319 or evidence that you want that would be considered by 2350 02:01:28.359 --> 02:01:31.439 the judge before they would make that restraining order permanent. 2351 02:01:32.439 --> 02:01:34.800 Well, let me tell you someone else John did on 2352 02:01:34.960 --> 02:01:39.000 this restrainer has got reopened. Okay, the one you said 2353 02:01:39.199 --> 02:01:43.760 years ago, you reopened this one and that was dismissed. 2354 02:01:44.720 --> 02:01:49.520 Well, here's here's my experience, Lee Roy. These judges get 2355 02:01:49.600 --> 02:01:52.079 tired of hearing the same person complain about the same 2356 02:01:52.199 --> 02:01:55.239 thing without any evidence and then either not showing up 2357 02:01:55.279 --> 02:01:57.720 for court or you know, and then coming back the 2358 02:01:57.800 --> 02:02:00.239 next time and claiming the same thing, and they they 2359 02:02:00.319 --> 02:02:02.920 eventually kind of get tired of it. And so you 2360 02:02:03.079 --> 02:02:05.600 need to gain credibility by being the guy that's willing 2361 02:02:05.680 --> 02:02:08.680 to show up and to be cooperative and to talk 2362 02:02:08.760 --> 02:02:10.960 to the judge and everything. And they're pretty quickly going 2363 02:02:11.000 --> 02:02:12.680 to realize that she's the one that's kind of the 2364 02:02:12.800 --> 02:02:16.439 nut and not you on this. But unfortunately, after the 2365 02:02:16.520 --> 02:02:19.560 judge issues the temporary order, it's not going to go 2366 02:02:19.680 --> 02:02:22.159 away until you get served and you go to court 2367 02:02:22.520 --> 02:02:24.880 and present your side of the story and let the 2368 02:02:24.960 --> 02:02:28.359 judge decide whether to make it permanent or to dismiss it. 2369 02:02:28.439 --> 02:02:29.520 Out of hand at that point. 2370 02:02:30.199 --> 02:02:32.479 Well, like I said, this happened several times and I 2371 02:02:32.600 --> 02:02:34.960 wasn't meet with other people and everyone last one, I'm 2372 02:02:35.039 --> 02:02:36.000 again dismissed. 2373 02:02:36.319 --> 02:02:36.720 That's good. 2374 02:02:36.840 --> 02:02:39.399 I want to act if I don't get served and 2375 02:02:39.520 --> 02:02:41.600 none worried about, Right, what would you advise me to do? 2376 02:02:42.119 --> 02:02:44.560 Well, I'm not going to advise you to avoid service. 2377 02:02:44.760 --> 02:02:47.920 But yeah, they have to serve you in order for 2378 02:02:48.039 --> 02:02:51.319 that temporary restraining order to go into effect. I mean 2379 02:02:51.399 --> 02:02:54.399 it has to be served on you because your knowledge 2380 02:02:54.640 --> 02:02:57.239 is only really satisfied once it's been served. 2381 02:02:57.880 --> 02:03:01.199 So can he serve her, because if she is texting 2382 02:03:01.319 --> 02:03:04.119 him going hey, here's I'm serving you again, can he 2383 02:03:04.399 --> 02:03:05.479 get something against her? 2384 02:03:05.760 --> 02:03:08.560 Well, he can, but in order to do that, he's 2385 02:03:08.600 --> 02:03:10.560 going to have to fill out the same application for 2386 02:03:10.600 --> 02:03:12.680 a temporary restraining order and go in front of the 2387 02:03:12.760 --> 02:03:15.479 judge and say, your honor, here's what's going on. She's 2388 02:03:15.560 --> 02:03:18.560 stalking me or being a freak, or harassing me or whatever. 2389 02:03:19.840 --> 02:03:22.239 The standard is a credible threat of eminent bodily harm. 2390 02:03:22.760 --> 02:03:25.479 And so you can't just say she's a painting but 2391 02:03:25.800 --> 02:03:28.960 she irritates me, she's a bad cook. I mean, you 2392 02:03:29.079 --> 02:03:31.880 can't use things like that. It has to be she's 2393 02:03:31.920 --> 02:03:35.000 threatened to stab me, she's coming after me with a 2394 02:03:35.159 --> 02:03:37.359 baseball bat. I mean, there's got to be some credible 2395 02:03:37.439 --> 02:03:41.479 threat of bodily injury to you to satisfy. Now here's 2396 02:03:41.520 --> 02:03:43.640 the other thing, Leroy. You know that the only way 2397 02:03:43.720 --> 02:03:46.760 she got that temporary was by saying I'm afraid of 2398 02:03:46.880 --> 02:03:49.600 him because he's threatened to do something to me. So 2399 02:03:49.840 --> 02:03:51.680 right out of the gate, you know the standard that 2400 02:03:51.760 --> 02:03:52.399 you're up against. 2401 02:03:52.520 --> 02:03:52.920 I get it. 2402 02:03:53.079 --> 02:03:55.760 I'm not saying that's right. I'm just saying, you know 2403 02:03:55.920 --> 02:03:57.960 the standard that you're up against when you end up 2404 02:03:58.000 --> 02:03:59.920 going to court on this, so be prepared for it, 2405 02:04:00.560 --> 02:04:01.000 all right. 2406 02:04:01.239 --> 02:04:03.439 Right, But let me tell you something else. I did 2407 02:04:03.560 --> 02:04:06.279 go put on years ago because he puting on me 2408 02:04:06.479 --> 02:04:09.600 and I put on her, and just they need excepting, 2409 02:04:09.640 --> 02:04:11.560 you know, one of them. They need to say, won't 2410 02:04:11.640 --> 02:04:12.000 them out? 2411 02:04:12.600 --> 02:04:15.079 Well, that's probably the best thing that happened at the time. 2412 02:04:15.199 --> 02:04:18.039 But I mean, you you can do that, but just 2413 02:04:18.159 --> 02:04:19.600 keep in mind you got to go to court to 2414 02:04:19.640 --> 02:04:21.960 do it, and that presents a real opportunity for somebody 2415 02:04:22.079 --> 02:04:25.039 to serve you with the temporary, so you might win 2416 02:04:25.119 --> 02:04:28.039 the battle and lose the war. But that's all I 2417 02:04:28.119 --> 02:04:30.399 got for you, Leroy. I wish I had better, better, 2418 02:04:31.279 --> 02:04:35.800 better information for you. All right, appreciate you calling Leroy. Uh, 2419 02:04:35.880 --> 02:04:38.800 we're going to move along here, Zach. You've got a 2420 02:04:38.880 --> 02:04:40.880 question on cars. How can I help you today? Zach, 2421 02:04:42.319 --> 02:04:44.560 Hey take my callas for of course. 2422 02:04:44.680 --> 02:04:47.560 I want to tell Leroy first off, the solutions dropper 2423 02:04:47.640 --> 02:04:52.399 man deal with that type of stuff, Move along better. 2424 02:04:52.239 --> 02:04:52.920 And run man. 2425 02:04:54.000 --> 02:04:57.239 Anyway, my question had to get back to the vehicles 2426 02:04:57.279 --> 02:05:00.199 and my ability. What were your thoughts on CREA eating 2427 02:05:00.239 --> 02:05:02.640 an LLC just to register your vehicles to that? What 2428 02:05:02.760 --> 02:05:04.000 type of ATA protection can. 2429 02:05:03.920 --> 02:05:09.640 I expect from that? So I maybe have a non 2430 02:05:09.680 --> 02:05:13.880 traditional opinion on that, but here's the bottom line. LLCs 2431 02:05:13.920 --> 02:05:17.479 don't drive cars, Okay, people drive cars, and when you're 2432 02:05:17.520 --> 02:05:20.960 the negligent party that causes an accident, you are personally 2433 02:05:21.039 --> 02:05:24.359 going to be liable for those damages and then you're 2434 02:05:24.399 --> 02:05:26.760 going to be hoping that your assets and your insurance 2435 02:05:26.760 --> 02:05:30.000 are available to pay that. All that an LLC does 2436 02:05:30.359 --> 02:05:33.800 is shield the assets of that LLC, you know, or 2437 02:05:33.880 --> 02:05:38.760 it shields you from personal responsibility for obligations of the LLC. 2438 02:05:39.359 --> 02:05:42.159 And so if you had an insurance policy that only 2439 02:05:42.239 --> 02:05:45.720 covered the LLC, and they vicariously covered you as a 2440 02:05:45.760 --> 02:05:48.319 member of the LLC, then in theory they would be 2441 02:05:48.479 --> 02:05:53.319 limited to the proceeds of that of that policy. But again, 2442 02:05:53.680 --> 02:05:55.760 LLCs don't drive cars, so if they come after you 2443 02:05:55.960 --> 02:05:59.800 directly and personally, you still could have some liability for 2444 02:06:00.079 --> 02:06:02.359 or that accident that you caused even though you have 2445 02:06:02.439 --> 02:06:03.039 an LLC. 2446 02:06:07.079 --> 02:06:10.359 Does that make sense, Yes, sir, thank you very much. 2447 02:06:10.640 --> 02:06:12.840 Yeah, good luck to you, sir. There's no way. I mean, 2448 02:06:12.880 --> 02:06:14.800 I get this question a lot with people that try 2449 02:06:14.880 --> 02:06:18.479 to structure like boats and rbs and stuff in an LLC, 2450 02:06:19.119 --> 02:06:21.920 and that's that's good in theory. I mean, the idea 2451 02:06:21.960 --> 02:06:23.880 is that, oh, I can you know, nobody can touch 2452 02:06:23.960 --> 02:06:27.920 me if an accident happens. But really that LLC doesn't 2453 02:06:27.960 --> 02:06:30.079 have anything to do with the fact that you were 2454 02:06:30.159 --> 02:06:32.840 the liable party if you cause an accident, and you're 2455 02:06:32.880 --> 02:06:35.239 still going to be the guy that gets sued individually. 2456 02:06:35.319 --> 02:06:38.359 We don't sue, you know, an LLC just because you 2457 02:06:38.479 --> 02:06:40.439 have one. We see the guy that was driving because 2458 02:06:40.479 --> 02:06:43.640 he's a liable party, and then maybe the LLC has 2459 02:06:43.720 --> 02:06:46.880 insurance coverage that comes into play. But it's really hard 2460 02:06:46.960 --> 02:06:51.239 to truly shield yourself from liability for acts that you caused. 2461 02:06:51.319 --> 02:06:53.840 So appreciate the phone call. We'll be right back. Mike 2462 02:06:53.920 --> 02:06:55.319 King on the line, will get your call on the 2463 02:06:55.359 --> 02:06:56.760 as soon as we get back. Thank you. 2464 02:07:02.600 --> 02:07:05.840 Go with a sure thing Denver's best roofer Excel Roofing 2465 02:07:05.960 --> 02:07:06.399 dot com. 2466 02:07:06.560 --> 02:07:08.600 You don't pay a cent until you're content. 2467 02:07:09.520 --> 02:07:14.399 Three time for an insurance check up free, no obligation 2468 02:07:14.560 --> 02:07:18.439 comparison call Compass Insurance. Pay too much your coverage at 2469 02:07:18.479 --> 02:07:21.199 dozens of insurance companies find out now three O three 2470 02:07:21.359 --> 02:07:23.920 seven seven to one help. You'll think you're his only 2471 02:07:24.039 --> 02:07:26.479 customer when you choose Frank durand the real estate Man 2472 02:07:26.560 --> 02:07:29.960 dot com to list your home with Remax Alliance three 2473 02:07:30.039 --> 02:07:32.079 oh three nine two zero sixteen twenty two. 2474 02:07:44.960 --> 02:07:49.039 Good afternoon, John Fuller here filling in for Tell Martino 2475 02:07:49.159 --> 02:07:53.079 on this Troubleshooter network, and we are moving along here. 2476 02:07:53.279 --> 02:07:55.079 We've got a caller, Mike on the line with a 2477 02:07:55.159 --> 02:07:58.119 question about personal injury claims. Mike, what is going on? Sir? 2478 02:07:59.319 --> 02:08:02.800 Good you for taking my calls. First of all, you know, 2479 02:08:02.920 --> 02:08:04.920 thank you for the work you do. I know it has, 2480 02:08:05.640 --> 02:08:09.159 you know, immense significance for so many people so, first 2481 02:08:09.159 --> 02:08:11.920 of all, just thank you so much. And yeah, so 2482 02:08:12.000 --> 02:08:15.319 what I was going to ask about, essentially, is statue 2483 02:08:15.359 --> 02:08:20.520 of limitations to file a personal injury case regarding the 2484 02:08:20.600 --> 02:08:24.520 amount of time you have you know, what circumstances would 2485 02:08:24.600 --> 02:08:26.920 kind of affect the amount of time you would have 2486 02:08:27.079 --> 02:08:30.279 to file a claim And is it the same for 2487 02:08:30.479 --> 02:08:33.399 every type of claim or case or does that kind 2488 02:08:33.439 --> 02:08:36.840 of very based on the different type of case you're 2489 02:08:36.880 --> 02:08:37.359 filing for. 2490 02:08:39.079 --> 02:08:43.399 What a broad reaching question there, Let me try to 2491 02:08:43.720 --> 02:08:48.000 try to net it out for you. For anything regarding 2492 02:08:48.039 --> 02:08:53.239 a car accident, the statute limitations is three years. For 2493 02:08:53.680 --> 02:08:58.199 most other things like medical malpractice, simple negligence, that kind 2494 02:08:58.199 --> 02:09:02.239 of stuff, the statute of limitation and premises liability cases 2495 02:09:02.439 --> 02:09:05.680 is two years, and so you better be right about 2496 02:09:05.720 --> 02:09:08.840 which one it is. And if your claim actually crosses 2497 02:09:08.920 --> 02:09:13.560 over and maybe has you know, portions of different types 2498 02:09:13.600 --> 02:09:15.840 of claims, then you always want to go with whatever 2499 02:09:15.920 --> 02:09:19.520 the shortest one is. The Only caveat to that is 2500 02:09:19.800 --> 02:09:23.800 that sometimes there are notice requirements that you have to 2501 02:09:24.479 --> 02:09:28.880 satisfy for things like governmental immunity notice and stuff like that, 2502 02:09:29.000 --> 02:09:33.760 where the statute requires that you give formal statutory notice 2503 02:09:35.239 --> 02:09:37.800 in one hundred and eighty three days after the accident, 2504 02:09:38.760 --> 02:09:42.000 and most people, you know, erroneously think that well, they 2505 02:09:42.079 --> 02:09:44.079 knew they were in the accident, or you know, they've 2506 02:09:44.119 --> 02:09:46.319 got notice or I called them one time and told 2507 02:09:46.359 --> 02:09:48.920 them about it and stuff, and that's not good enough. 2508 02:09:49.039 --> 02:09:53.119 The law requires that you actually comply with the statute, 2509 02:09:53.159 --> 02:09:56.319 and it's very specific on who you have to serve in, 2510 02:09:56.399 --> 02:09:58.720 what information you have to give them about the nature 2511 02:09:58.760 --> 02:10:03.279 of your damages, theory of liability, all the different you know, 2512 02:10:03.399 --> 02:10:06.960 correct parties and stuff. And they're not generally gonna get 2513 02:10:07.039 --> 02:10:09.479 your notice and just call up and offer you a check. 2514 02:10:09.640 --> 02:10:13.359 But it just preserves your right to then violet according 2515 02:10:13.399 --> 02:10:16.439 to the two or the three year statute, limitations that 2516 02:10:16.600 --> 02:10:20.079 might apply on your case. So does that answer your question, sir? 2517 02:10:20.279 --> 02:10:22.000 Did you have a different kind of case in mind? 2518 02:10:23.000 --> 02:10:23.520 No, I was. 2519 02:10:23.720 --> 02:10:25.520 It does answer, and I was kind of just asking 2520 02:10:25.600 --> 02:10:28.359 it generally. It didn't necessarily apply to me, but I 2521 02:10:28.439 --> 02:10:30.560 thought it might be a helpful question to anyone out 2522 02:10:30.600 --> 02:10:33.800 there listening to because you know, one of my problems 2523 02:10:33.920 --> 02:10:36.600 is just procrastination in general. And I feel like, you know, 2524 02:10:36.680 --> 02:10:39.119 when you have an accident, you already have so much 2525 02:10:39.199 --> 02:10:42.000 stress you already have builth piling up, and maybe you 2526 02:10:42.119 --> 02:10:43.880 put things off, and I think it's just, you know, 2527 02:10:44.000 --> 02:10:46.760 important to know you know, what time frame do I 2528 02:10:46.920 --> 02:10:49.960 have here? And I really appreciate your answer, John, So thank. 2529 02:10:49.840 --> 02:10:50.319 You so much. 2530 02:10:50.359 --> 02:10:53.319 Really, yeah, thanks, Mike. You know, the reality is, that's 2531 02:10:53.399 --> 02:10:56.840 why you need to have somebody like us on your case, 2532 02:10:57.000 --> 02:10:59.159 because there are a bunch of deadlines, there are a 2533 02:10:59.199 --> 02:11:02.000 bunch of proces hurdles that you have to jump through. 2534 02:11:02.520 --> 02:11:05.000 We know all of those deadlines, and we know those hurdles, 2535 02:11:05.000 --> 02:11:06.640 and we also know what it takes to be able 2536 02:11:06.680 --> 02:11:10.279 to substantiate and support and prove up our damages. And 2537 02:11:10.439 --> 02:11:12.840 so if we do everything right, then we give you 2538 02:11:12.920 --> 02:11:15.680 the best opportunity of not having to file a lawsuit 2539 02:11:15.760 --> 02:11:18.319 and go to trial because you ran out of time 2540 02:11:18.399 --> 02:11:20.520 and you were literally on the courthouse steps trying to 2541 02:11:20.560 --> 02:11:22.760 file it on the on the last moment of the 2542 02:11:22.840 --> 02:11:25.560 last day. So we can take all of that stress 2543 02:11:25.600 --> 02:11:28.520 off your shoulders and do everything correctly give you the 2544 02:11:28.600 --> 02:11:31.680 best chance of getting a good, favorable outcome in the 2545 02:11:31.760 --> 02:11:34.800 most timely manner possible. And that's that's really what we 2546 02:11:34.920 --> 02:11:37.560 bring to the table. So Mike, I appreciate the phone 2547 02:11:37.600 --> 02:11:42.159 call and good information for everybody. So we've got a 2548 02:11:42.199 --> 02:11:44.760 couple open lines here, so if you have any other questions. 2549 02:11:44.800 --> 02:11:46.840 We're getting towards the end of the show, we're going 2550 02:11:46.880 --> 02:11:48.720 to go back to Dmitri here. He's still got a 2551 02:11:48.760 --> 02:11:51.800 couple of his Stump the PI attorney questions to get through, 2552 02:11:53.239 --> 02:11:55.079 but we're here to answer your questions, So give us 2553 02:11:55.079 --> 02:11:57.880 a call. Go ahead, Dmitri. 2554 02:11:58.640 --> 02:12:01.279 John So, I was wondering about what are the income 2555 02:12:01.359 --> 02:12:06.279 tax implications of both settlements and awards and how are 2556 02:12:06.359 --> 02:12:09.520 those typically treated for both state and federal income tax purposes. 2557 02:12:10.039 --> 02:12:11.680 Any other subparts to that question. 2558 02:12:12.239 --> 02:12:16.319 Yes, I was wondering, if you're or a lawyer like 2559 02:12:16.439 --> 02:12:18.960 you who takes a certain percentage of the settlement or 2560 02:12:19.079 --> 02:12:23.000 the award, if that segment then also becomes a tax 2561 02:12:23.079 --> 02:12:25.520 deductible expense to the plaintiff. 2562 02:12:25.680 --> 02:12:30.560 Yeah, okay, so here's the here's the answer. It depends. Okay, 2563 02:12:31.279 --> 02:12:33.880 if you're if you're making good old run of the mill, 2564 02:12:35.039 --> 02:12:37.960 you know, claims from a car accident or something like that, 2565 02:12:39.119 --> 02:12:42.840 those damage awards are tax free. Okay, you don't need 2566 02:12:42.880 --> 02:12:45.279 to report them. They're not income according to the definition 2567 02:12:45.399 --> 02:12:48.920 of the irs, there's no taxes, do do not report 2568 02:12:48.960 --> 02:12:52.560 them because sometimes tax preparers don't actually know exactly how 2569 02:12:52.600 --> 02:12:56.640 those should be treated for some cases, and you mentioned 2570 02:12:56.680 --> 02:12:59.680 federal and so that kind of drifts into a different category. 2571 02:13:00.079 --> 02:13:03.800 Let's say we had a employment case where part of 2572 02:13:03.880 --> 02:13:06.520 the claim that you're making is that you were wrongfully 2573 02:13:06.640 --> 02:13:11.000 terminated and you're keeping tallly of the wage loss that 2574 02:13:11.119 --> 02:13:16.119 you lost. Okay, if eventually your resolution of that case 2575 02:13:16.239 --> 02:13:20.279 includes the payment of that wage loss, very likely the 2576 02:13:20.399 --> 02:13:25.600 defendant corporation is going to report that as wages and 2577 02:13:25.760 --> 02:13:28.359 you're going to get a W two reporting it as 2578 02:13:28.720 --> 02:13:31.359 or you know ten ninety nine. Reporting it as money 2579 02:13:31.439 --> 02:13:33.600 paid to you in the way of wages, which you will. 2580 02:13:33.520 --> 02:13:36.680 Be makes sense because that's presumably to compensate you for 2581 02:13:36.720 --> 02:13:38.760 the wages you would have made, and they would have 2582 02:13:38.800 --> 02:13:42.079 been taxable. But in the context of your work where 2583 02:13:42.079 --> 02:13:45.239 you collect money for pain and suffering and things like that, 2584 02:13:46.560 --> 02:13:49.920 that's non taxable from what I heard in your answer. Correct, 2585 02:13:49.960 --> 02:13:53.560 but lost wages part of that award if. 2586 02:13:53.479 --> 02:13:57.279 They're identified and they're being paid for by a corporation 2587 02:13:57.479 --> 02:14:00.760 that you worked for, Okay, Compensatory dam images that are 2588 02:14:00.760 --> 02:14:02.960 paid for by a third party defendant are not going 2589 02:14:03.039 --> 02:14:03.399 to be into that. 2590 02:14:03.600 --> 02:14:04.520 Okay, gotcha. 2591 02:14:04.600 --> 02:14:06.640 But if it's an employer and you're suing them for 2592 02:14:06.760 --> 02:14:08.680 lost wages, then yeah, it's going to come back on 2593 02:14:08.800 --> 02:14:12.479 you as as as wages. Now for your final part 2594 02:14:12.520 --> 02:14:17.800 of the question, Subpart three A subparagraph C. There are 2595 02:14:17.920 --> 02:14:21.479 the fees paid to the law firm deductible to you. 2596 02:14:21.960 --> 02:14:24.520 They're not deductible to you because they never make it 2597 02:14:24.640 --> 02:14:28.159 to you. All of the money paid to a law firm, 2598 02:14:28.199 --> 02:14:32.439 the entire damage war gets reported under my tax ID number, 2599 02:14:32.640 --> 02:14:35.479 and then we pay out to our clients and so 2600 02:14:36.079 --> 02:14:38.880 we have to pay taxes on it like any business income. 2601 02:14:39.359 --> 02:14:42.279 But you don't. And we have the complete pay per trail. 2602 02:14:42.600 --> 02:14:44.960 But are they report all of those settlements through my 2603 02:14:45.079 --> 02:14:45.920 tax I D number? 2604 02:14:46.159 --> 02:14:48.159 Thank you, John, Totally makes sense. What a great clear 2605 02:14:48.199 --> 02:14:50.279 answer from an experienced attorney. 2606 02:14:51.600 --> 02:14:53.840 Well, I don't know about that. Twenty three years. All right, 2607 02:14:53.880 --> 02:14:56.720 we're going to take one final break here low in 2608 02:14:56.840 --> 02:14:58.720 the two that Feller has been around a long time. 2609 02:14:59.560 --> 02:15:01.279 All right, we're going to take one more break. We'll 2610 02:15:01.279 --> 02:15:03.199 be right away back go. 2611 02:15:03.359 --> 02:15:06.920 With a sure thing Denvers Best Roofer, Excel roofing dot Com. 2612 02:15:07.119 --> 02:15:12.800 You don't pay a cent until you're content. Time for 2613 02:15:12.880 --> 02:15:16.600 an insurance check up free no obligation comparison call Compass 2614 02:15:16.680 --> 02:15:19.920 Insurance paying too much your coverage at dozens of insurance 2615 02:15:19.960 --> 02:15:22.439 companies find out now three all three seven to seven 2616 02:15:22.479 --> 02:15:22.680 to one. 2617 02:15:22.840 --> 02:15:23.039 Help. 2618 02:15:23.239 --> 02:15:25.880 You'll think you're his only customer when you choose Frank 2619 02:15:25.960 --> 02:15:28.359 durand the real estate man dot com to list your 2620 02:15:28.439 --> 02:15:32.079 home with Remax Alliance three three nine two zero sixteen 2621 02:15:32.119 --> 02:15:32.640 twenty two. 2622 02:15:39.680 --> 02:15:41.720 All right, all right, we're back at it. John Fuller 2623 02:15:41.760 --> 02:15:44.680 here filling in for mister Tom Martine who is out 2624 02:15:44.760 --> 02:15:48.039 the afternoon, and we are going through a list of 2625 02:15:48.479 --> 02:15:52.039 law school exam questions from Dimitri trying to stump the 2626 02:15:52.119 --> 02:15:55.079 PI lawyer. We've got a couple more questions here. Actually 2627 02:15:55.079 --> 02:15:56.880 we've got one from Bow over here. First we're going 2628 02:15:56.960 --> 02:15:59.600 to go to Bow and see if we can answer 2629 02:15:59.600 --> 02:16:00.000 his question. 2630 02:16:00.119 --> 02:16:03.119 Thank you, John, and it's been great working with you. 2631 02:16:03.279 --> 02:16:06.119 Take I learned a lot, and so have the listeners 2632 02:16:06.159 --> 02:16:07.119 probably picked up a lot. 2633 02:16:07.279 --> 02:16:08.560 That's Professor Fuller to you. 2634 02:16:09.760 --> 02:16:11.560 About doctor doctor. 2635 02:16:11.600 --> 02:16:12.319 Here is a doctor. 2636 02:16:12.359 --> 02:16:16.159 He's got a lot of degree, doctor doctor doctor. 2637 02:16:16.720 --> 02:16:19.560 I have pretty good insurance, have an umbrella and then 2638 02:16:19.880 --> 02:16:24.079 what I'm concerned about if I get into an accident 2639 02:16:24.439 --> 02:16:28.079 and I'm at fault and I have all of this insurance, 2640 02:16:28.880 --> 02:16:33.799 the person that I hit, can theyce elect not to 2641 02:16:33.920 --> 02:16:37.520 go through my insurance company and sue me personally for 2642 02:16:37.680 --> 02:16:38.319 the damage? 2643 02:16:39.920 --> 02:16:42.639 I mean, the answer is yes, obviously they can sue you, 2644 02:16:42.840 --> 02:16:45.520 and they do sue you if they choose to go 2645 02:16:45.639 --> 02:16:47.719 down the litigation route. That's how we do it. We 2646 02:16:47.840 --> 02:16:51.079 sue the at fault party. But you would have the ability, 2647 02:16:51.120 --> 02:16:53.280 and in fact the obligation to turn that over to 2648 02:16:53.319 --> 02:16:57.040 your insurance company and give them the opportunity to defend that. 2649 02:16:57.319 --> 02:17:00.639 Because ultimately, if you've got a judgment against you, you 2650 02:17:00.680 --> 02:17:03.079 would turn around to your insurance company and expect them 2651 02:17:03.159 --> 02:17:05.959 to pay that judgment so they can sue you directly. 2652 02:17:06.360 --> 02:17:08.680 They don't have to file acclaim with your insurance company, 2653 02:17:08.719 --> 02:17:10.399 but at some point you're going to hand it over 2654 02:17:10.479 --> 02:17:12.719 to them and they will take the reins and run 2655 02:17:12.799 --> 02:17:14.680 with it and then pay whatever they choose to pay 2656 02:17:14.760 --> 02:17:14.959 on it. 2657 02:17:15.239 --> 02:17:18.399 Well, John, if they do sue me, I can I 2658 02:17:18.600 --> 02:17:21.920 state you cannot sue me. That's why I have insurance. 2659 02:17:22.040 --> 02:17:25.000 I don't want anything brought against me personally. That's why 2660 02:17:25.040 --> 02:17:25.920 I have insurance, But. 2661 02:17:26.159 --> 02:17:30.479 Are you saying they can elect still come after me personally. 2662 02:17:30.639 --> 02:17:33.200 All I'm saying is they're always going to only come 2663 02:17:33.239 --> 02:17:36.479 after you personally. We don't sue insurance companies in Colorado 2664 02:17:37.079 --> 02:17:39.719 unless they're a party to like a bad faith or something. 2665 02:17:40.239 --> 02:17:42.639 But when we have a simple auto accident, we are 2666 02:17:42.719 --> 02:17:46.280 suing the at fault party. And so you know, one 2667 02:17:46.360 --> 02:17:49.239 of the mandatory disclosures that you have to make as 2668 02:17:49.280 --> 02:17:52.680 a person who's been sued is whether or not there 2669 02:17:52.719 --> 02:17:56.200 are any insurance policies that are in place to pay 2670 02:17:56.280 --> 02:17:59.280 for the damages alleged by the planet, And so whether 2671 02:17:59.399 --> 02:18:01.920 the planet really wants to deal with your insurance company 2672 02:18:02.000 --> 02:18:05.079 or not, you do because you're the insurance You've paid 2673 02:18:05.120 --> 02:18:07.319 for this coverage. You're just going to hand it over 2674 02:18:07.399 --> 02:18:10.280 to your insurance company. They'll assign you a lawyer, and 2675 02:18:10.360 --> 02:18:13.159 then they'll ultimately make the decisions on how to proceed 2676 02:18:13.239 --> 02:18:16.079 with the case, and then they'll pay whatever judgment they 2677 02:18:16.159 --> 02:18:19.639 decide to pay at the end, depending on their discretion 2678 02:18:19.799 --> 02:18:22.120 and how to handle the case. So they don't get 2679 02:18:22.159 --> 02:18:25.959 to opt just to ignore your insurance company. The only 2680 02:18:26.079 --> 02:18:29.520 time that that might hypothetically come into play would be 2681 02:18:29.680 --> 02:18:32.520 if they had minimal limits and your damages were way 2682 02:18:32.680 --> 02:18:35.639 greater than the limits of the insurance and you felt 2683 02:18:35.680 --> 02:18:39.680 like they had personal assets that were available to satisfy 2684 02:18:39.799 --> 02:18:42.040 the totality of your damages, and you didn't want to 2685 02:18:42.120 --> 02:18:45.600 take the limits and give them a complete release in 2686 02:18:45.719 --> 02:18:48.159 exchange for that, and then you could just go after him. 2687 02:18:48.200 --> 02:18:51.479 The insurance company would still be involved, but their liability 2688 02:18:51.520 --> 02:18:54.159 would be limited to the amount of their policy, not 2689 02:18:54.399 --> 02:18:58.319 some some higher up judgment that you might get. Okay, 2690 02:18:58.639 --> 02:19:02.000 all right, thank you, Yeah, you're welcome, mister Dimitri. 2691 02:19:02.079 --> 02:19:05.920 What you got, mister John, Do my high insurance policy 2692 02:19:06.040 --> 02:19:11.680 limits suggest that the insurance company would hire better lawyers 2693 02:19:11.719 --> 02:19:12.319 to defend me? 2694 02:19:14.319 --> 02:19:20.520 No, No, really not. I mean it's it's you know, 2695 02:19:20.600 --> 02:19:25.120 the insurance companies get paid more for higher coverage, and 2696 02:19:25.559 --> 02:19:29.000 so it's there's really no consideration that I've ever seen 2697 02:19:29.959 --> 02:19:34.000 unless we have a really high dollar policy and really 2698 02:19:34.120 --> 02:19:37.520 catastrophic losses where they're debating whether or not they're going 2699 02:19:37.600 --> 02:19:40.760 to tender those you know, those limits or something. Occasionally, 2700 02:19:40.879 --> 02:19:43.559 then they'll hire out, you know, a little bit higher 2701 02:19:43.600 --> 02:19:48.079 echelon attorney. But you know, those are trickier cases and 2702 02:19:48.159 --> 02:19:51.760 stuff with with higher coverage issues and liability issues and 2703 02:19:51.799 --> 02:19:53.920 stuff that they want to make sure they get right. 2704 02:19:54.159 --> 02:19:56.520 And so, you know, I guess in that respect, yes 2705 02:19:56.680 --> 02:19:58.760 they would, But it's not just simply that you got 2706 02:19:58.840 --> 02:20:01.600 a better policy that makes them do that. It's a 2707 02:20:01.680 --> 02:20:05.520 better policy and damages to put that whole policy in jeopardy. 2708 02:20:06.280 --> 02:20:08.319 Yeah, I just kind of figured that if they have 2709 02:20:08.639 --> 02:20:12.000 more at risk because they're in the hook for half 2710 02:20:12.079 --> 02:20:15.280 a million instead of the state minimum, they would invest 2711 02:20:15.360 --> 02:20:18.159 more money in a more experienced lawyer who would also 2712 02:20:18.319 --> 02:20:22.319 do a lot more research, preparation, get assistance, that sort 2713 02:20:22.360 --> 02:20:22.639 of thing. 2714 02:20:22.920 --> 02:20:25.959 Yeah, it totally makes sense what you're saying, But the 2715 02:20:26.079 --> 02:20:29.120 reality is that the injured people only have one basket 2716 02:20:29.200 --> 02:20:32.040 of damages, and it doesn't get more valuable because you 2717 02:20:32.200 --> 02:20:33.559 have great insurance. 2718 02:20:33.600 --> 02:20:35.319 A good point. I didn't consider that. 2719 02:20:35.719 --> 02:20:38.120 We you know, it may get more valuable if we're 2720 02:20:38.159 --> 02:20:41.440 comparing you against a minimal limits twenty five thousand dollars 2721 02:20:41.520 --> 02:20:44.360 policy and they have say fifty or one hundred thousand 2722 02:20:44.360 --> 02:20:47.959 of damages, Well, now it's more collectible, But it didn't 2723 02:20:48.000 --> 02:20:51.399 get more valuable because you happen to have greater insurance. 2724 02:20:51.639 --> 02:20:53.639 But don't they also have in house lawyers, so they're 2725 02:20:53.639 --> 02:20:58.280 not paying them, yeah, about paying any lawyer more, yeah, 2726 02:20:58.479 --> 02:20:59.440 on any given case. 2727 02:20:59.440 --> 02:21:02.399 About fifty ten years ago in Colorado at least, they 2728 02:21:02.920 --> 02:21:06.559 finally figured out that, you know, that that paying these 2729 02:21:06.639 --> 02:21:10.920 lawyers on a per diem matter or per diem amount 2730 02:21:11.760 --> 02:21:14.079 was not very good business, and that they could they 2731 02:21:14.120 --> 02:21:17.280 could pay you know, a lawyer their salary and bring 2732 02:21:17.360 --> 02:21:19.879 them in house and feed them one hundred and fifty 2733 02:21:19.959 --> 02:21:22.559 cases and tell them good luck, and their cost per 2734 02:21:22.680 --> 02:21:26.120 case goes down to next to nothing. And since that time, 2735 02:21:26.280 --> 02:21:29.399 every major carrier in Colorado has what we call a 2736 02:21:29.520 --> 02:21:32.159 captive law firm. So on the pleading it still says 2737 02:21:32.520 --> 02:21:36.280 Dimitri's law firm, but Dmitri actually has a you know, 2738 02:21:36.479 --> 02:21:40.559 a ABC Insurance company email and his address happens to 2739 02:21:40.639 --> 02:21:44.280 be where ABC's headquarters is, and and that kind of stuff. 2740 02:21:44.319 --> 02:21:47.760 So they're very much a captive, you know, wholly owned 2741 02:21:47.840 --> 02:21:52.239 insurance attorney. But you know, in court and stuff, they 2742 02:21:52.280 --> 02:21:55.399 don't we're not allowed to bring in the presence of insurance, 2743 02:21:55.479 --> 02:21:57.680 so they don't want to have like, you know, all 2744 02:21:57.760 --> 02:22:01.399 State insurance company or something on the caption. So that's 2745 02:22:01.520 --> 02:22:03.639 that's why they do that. But they're all employees, like 2746 02:22:03.719 --> 02:22:07.639 Doc says, and it's been that way for about fifteen 2747 02:22:07.719 --> 02:22:09.120 years that we've had that. 2748 02:22:09.399 --> 02:22:12.840 So John, of course, real. 2749 02:22:12.840 --> 02:22:15.920 Quick, What is the role of the insurance Commissioner or 2750 02:22:15.959 --> 02:22:21.040 the insurance commission in Colorado? What are they mandated to do? 2751 02:22:21.639 --> 02:22:25.440 Yeah, the main thing that the insurance commission is mandated 2752 02:22:25.520 --> 02:22:28.120 to do is to make sure that insurance companies are 2753 02:22:28.200 --> 02:22:33.280 operating in a fiscally appropriate way, meaning they've set aside 2754 02:22:33.440 --> 02:22:38.120 enough reserves to handle the anticipated claims, that they're appropriately 2755 02:22:38.600 --> 02:22:41.879 you know, doing business the way it's supposed to be done. 2756 02:22:41.920 --> 02:22:46.120 I mean, insurance companies are you know, they run through 2757 02:22:46.120 --> 02:22:47.959 an awful lot of money, and so if they don't 2758 02:22:48.000 --> 02:22:51.440 set aside, you know, the appropriate amount into reserves, they 2759 02:22:51.559 --> 02:22:53.639 run the risk of not having that money there when 2760 02:22:53.680 --> 02:22:55.479 the eventual claim needs to be paid. 2761 02:22:55.639 --> 02:22:58.159 Well, they if I have a problem with an insurance company, 2762 02:22:58.760 --> 02:23:01.200 will they adjudicate that or is that not something that 2763 02:23:01.280 --> 02:23:02.639 they do or is that up to the courts. 2764 02:23:02.760 --> 02:23:05.559 They don't really adjudicate it, but they sometimes will get 2765 02:23:05.639 --> 02:23:08.200 involved and make a phone call. So every now and 2766 02:23:08.280 --> 02:23:10.879 again that becomes pretty helpful. Hey, listen, guys, save all 2767 02:23:10.879 --> 02:23:13.399 your trouble for us. We appreciate it. It's been a 2768 02:23:13.479 --> 02:23:16.280 great day and come back tomorrow. We'll be back again. 2769 02:23:16.479 --> 02:23:16.760 Thank you.