WEBVTT 1 00:00:01.040 --> 00:00:07.240 Yeah, RiPP. 2 00:00:08.039 --> 00:00:11.000 You needed, that's who you don't have. 3 00:00:13.240 --> 00:00:15.640 Come running just as fast as we can. 4 00:00:16.960 --> 00:00:19.120 Shooter's gonna help coming. 5 00:00:19.480 --> 00:00:26.519 Man Dix is the Troubleshooter Show. No Tom Martino, Hey. 6 00:00:26.559 --> 00:00:29.239 Tom Martino here, Welcome to the show. Three oh three 7 00:00:29.440 --> 00:00:33.079 seven one three talk, seven one three eight, two five five. 8 00:00:33.479 --> 00:00:35.719 Here to help you, solve problems, answer questions taking place, 9 00:00:35.759 --> 00:00:39.079 make your life a little easier. No comments, no comments 10 00:00:39.960 --> 00:00:45.840 on my uh tan, people say, Tom, you look so y'all. Listen, 11 00:00:46.320 --> 00:00:51.000 I went to Hawaii all almost a lot of December, 12 00:00:51.399 --> 00:00:55.679 so I can't help my color. So no comments, morons. 13 00:00:55.920 --> 00:00:58.640 Those are the people watching you, those listening, Welcome. We 14 00:00:58.679 --> 00:01:01.200 are here to solve problems, answer should take complaints, and 15 00:01:01.520 --> 00:01:07.799 our time here pleasant and helpful to all my desires 16 00:01:07.879 --> 00:01:09.920 to make your life easier, honest to God, that's what 17 00:01:09.959 --> 00:01:13.920 I want to do. So what is going on in 18 00:01:13.959 --> 00:01:16.200 your life? All you have to do is call us now. 19 00:01:16.239 --> 00:01:19.040 You can call twenty four to seven three oh three 20 00:01:19.120 --> 00:01:23.840 Martino three oh three six two seven eight four six 21 00:01:23.920 --> 00:01:30.319 y six, or you can call three oh three Martino three. 22 00:01:30.359 --> 00:01:31.920 I mean I said three of them are three h 23 00:01:31.959 --> 00:01:33.719 three seven one three talk seven one three eight two 24 00:01:33.760 --> 00:01:36.760 five five when we're in the studio. Now, by the way, 25 00:01:36.799 --> 00:01:38.439 this now I brought to you by waterpros dot net. 26 00:01:38.480 --> 00:01:41.439 The best water systems, the lowest prices you can find anywhere, 27 00:01:42.079 --> 00:01:45.640 and the best systems right now. Man, the specials are incredible. 28 00:01:45.799 --> 00:01:47.640 Let me just go over those real quick, because you know, 29 00:01:47.680 --> 00:01:51.239 there's nothing, nothing more important than pure water, nothing more 30 00:01:51.280 --> 00:01:53.680 important than pure water. A special right now, twenty four 31 00:01:53.760 --> 00:01:56.400 ninety five for a whole house smart computer water softening system, 32 00:01:56.400 --> 00:01:59.280 a whole house. You can't even touch it. Now thirty 33 00:01:59.280 --> 00:02:01.959 six ninety five, get your whole house conditioner and forever 34 00:02:02.040 --> 00:02:05.079 chemical protection. You can get reverse osmosis at the kitchen 35 00:02:05.079 --> 00:02:07.640 sink for eleven hundred prices that have never been lower. 36 00:02:08.080 --> 00:02:10.680 Three oh three eight six two five five five four. 37 00:02:10.800 --> 00:02:13.719 My friend Paul thewaterman dot com three oh three eight 38 00:02:13.759 --> 00:02:15.879 six two five five five four. So what's on your mind? 39 00:02:16.360 --> 00:02:19.800 I have Brian Burns with the Compass Insurance Group. Now, Brian, 40 00:02:19.840 --> 00:02:21.960 I'm going to bring up the uh, the old wide shot. 41 00:02:22.000 --> 00:02:26.280 Brian's over here to my right and UH, Brian Insurance, 42 00:02:26.439 --> 00:02:28.800 what's going to happen in California? I know you've guys 43 00:02:28.879 --> 00:02:32.759 discussed this before. What does this mean for the insurance industry? 44 00:02:33.280 --> 00:02:35.080 Are people going to be able to buy insurance? For 45 00:02:35.120 --> 00:02:36.719 God's sakes? Yeah. 46 00:02:36.800 --> 00:02:41.599 In California, it's especially it's a different circumstance because the 47 00:02:41.639 --> 00:02:45.479 insurance companies had already done a lot of the non 48 00:02:45.520 --> 00:02:48.159 renewals prior to the fire. So a lot of the companies, 49 00:02:48.159 --> 00:02:51.240 specifically State Farm had pulled out and had non renewed 50 00:02:51.280 --> 00:02:55.120 a bunch this summer. So the biggest exposure is with 51 00:02:55.400 --> 00:02:59.319 their fair plan, which is their you know, insure of 52 00:02:59.439 --> 00:03:03.639 last resort, And so that's who's going to take a 53 00:03:03.879 --> 00:03:07.280 huge hit on this, on this fire loss. And basically 54 00:03:07.360 --> 00:03:10.759 what that is is all the insurance companies have participated 55 00:03:10.759 --> 00:03:13.439 with it, and I think in California that it's got 56 00:03:13.439 --> 00:03:17.159 some state funds associated with it too. But what I've 57 00:03:17.240 --> 00:03:20.560 read is that they only had a billion dollars of 58 00:03:20.599 --> 00:03:25.599 reinsurance for that program. What reinsurance, So insurance companies have 59 00:03:25.680 --> 00:03:30.280 to get insurance is the easiest explanation. They get insurance 60 00:03:30.439 --> 00:03:34.560 for catastrophic losses. If something like this were to happen, 61 00:03:35.319 --> 00:03:37.919 they don't have enough money to be able to. 62 00:03:37.919 --> 00:03:40.240 Pay out bring down an insurance company. 63 00:03:41.400 --> 00:03:43.879 Well, the fair plan isn't an insurance company. But yeah, 64 00:03:44.120 --> 00:03:47.800 you know, we've seen an insurance company out before. Yeah, 65 00:03:47.840 --> 00:03:49.919 I mean we saw it with AIG if you remember 66 00:03:49.919 --> 00:03:53.560 back in the day whenever the financial crisis hit, uh 67 00:03:53.599 --> 00:03:56.960 and they were going bankrupt and federal government stepped in 68 00:03:56.960 --> 00:03:59.759 and had to loan them money. So yes, it can 69 00:03:59.800 --> 00:04:01.280 bring down an insurance company. 70 00:04:01.919 --> 00:04:06.000 So right now, what does it do for us and 71 00:04:06.439 --> 00:04:09.039 people around the country. Will it affect all of us 72 00:04:09.520 --> 00:04:10.439 in the aggregate? 73 00:04:10.759 --> 00:04:14.039 Yeah, I mean, insurance is all about spreading the risk 74 00:04:14.680 --> 00:04:15.919 from you know, a. 75 00:04:15.840 --> 00:04:17.120 Small from the few to the day. 76 00:04:17.360 --> 00:04:20.639 Yeah, that's the whole concept behind insurance. So it's impossible 77 00:04:20.639 --> 00:04:22.319 to think that this won't have an effect on the 78 00:04:22.439 --> 00:04:26.199 entire country. But more than that, if we're looking more locally, 79 00:04:26.680 --> 00:04:31.759 in addition to possibly premium changes because of this, what 80 00:04:31.800 --> 00:04:34.720 you're going to find is that their insurance companies are 81 00:04:34.720 --> 00:04:38.160 going to get tighter and tighter on fire prone areas. 82 00:04:39.000 --> 00:04:41.439 And it's not like they have it already. Here in Colorado, 83 00:04:41.480 --> 00:04:46.000 you're seeing you know, Evergreen and places that are subject 84 00:04:46.000 --> 00:04:50.519 to a greater likelihood of fire. Those are going to 85 00:04:50.560 --> 00:04:53.560 become harder and harder to find insurance. And you know, 86 00:04:53.680 --> 00:04:55.759 Colorado is coming out with their own version of a 87 00:04:55.800 --> 00:04:58.120 fair plan like I just mentioned, So there will be 88 00:04:58.600 --> 00:05:01.120 an insurer last resort, but it's not going to be 89 00:05:01.480 --> 00:05:05.120 overly affordable, and there's going to be such limitations. It's 90 00:05:05.240 --> 00:05:09.920 really bad coverage. Just it's terrible coverage. It's ACV on everything, 91 00:05:09.959 --> 00:05:13.360 So it's actual cash value on everything the Colorado Fair Plan, 92 00:05:14.360 --> 00:05:18.120 and the max residential value is seven hundred and fifty thousand. 93 00:05:18.279 --> 00:05:22.519 Well, people are going to lose equity if they have 94 00:05:22.560 --> 00:05:25.040 total losses most of the time. Most of the time, 95 00:05:25.079 --> 00:05:27.680 the equity you've built up is gone. You're gonna have 96 00:05:27.680 --> 00:05:30.879 all you can do to rebuild. Yeah. Some people even 97 00:05:31.000 --> 00:05:34.240 ended up with mortgages up north here in Colorado where 98 00:05:34.240 --> 00:05:36.240 they're going to end up with new mortgages even if 99 00:05:36.279 --> 00:05:39.199 houses were paid off, Yeah, or bigger mortgages. 100 00:05:39.319 --> 00:05:42.120 And as you can imagine that that bigger mortgage mortgage 101 00:05:42.160 --> 00:05:45.000 also will probably be a higher percentage than what they 102 00:05:45.040 --> 00:05:46.079 had previously. 103 00:05:46.199 --> 00:05:48.759 Is there anything, But there's really nothing we can do 104 00:05:48.839 --> 00:05:53.000 to prevent that. Is there not catastrophic loss? No? I 105 00:05:53.000 --> 00:05:55.160 don't think you can adequately assure against it. 106 00:05:55.879 --> 00:05:55.959 No. 107 00:05:56.199 --> 00:05:58.040 I mean, if you can get a policy that has 108 00:05:58.079 --> 00:05:59.680 the uncapped placement costs. 109 00:05:59.439 --> 00:06:03.439 Where it can truly cont ever it cut whatever is. 110 00:06:03.439 --> 00:06:04.240 There's such a thing. 111 00:06:04.319 --> 00:06:06.800 There is, absolutely, There's not many carriers that have it, 112 00:06:06.839 --> 00:06:11.160 but we have. I have three carriers that offer uncaptured 113 00:06:11.160 --> 00:06:11.879 replacement costs. 114 00:06:12.000 --> 00:06:15.319 Tell me what Tell me what that would mean to 115 00:06:15.439 --> 00:06:20.879 someone versus a cap okay cost? Yep? So or do 116 00:06:20.920 --> 00:06:22.680 you want to take a specific you want to take 117 00:06:22.720 --> 00:06:24.279 my house and have your people run it? 118 00:06:25.279 --> 00:06:25.399 Uh? 119 00:06:25.480 --> 00:06:28.439 As far as what the replacement costs I have right 120 00:06:28.439 --> 00:06:30.399 now on top? What do you have uncapped? 121 00:06:30.519 --> 00:06:30.680 Oh? 122 00:06:30.720 --> 00:06:32.759 I do you do? Yep? You're with one of those 123 00:06:32.800 --> 00:06:34.759 carriers that offers uncapped replacement costs? 124 00:06:34.800 --> 00:06:37.040 Well, how much would I say if I had twenty 125 00:06:37.040 --> 00:06:38.040 five or thirty percent? 126 00:06:38.279 --> 00:06:41.040 Well, they don't even offer it. Your own particular carrier doesn't. 127 00:06:41.959 --> 00:06:46.000 But yeah, if if a carrier offers it, it's a 128 00:06:46.040 --> 00:06:48.319 no brainer to take it, because you're not talking about 129 00:06:48.360 --> 00:06:49.519 a big difference in print. 130 00:06:49.560 --> 00:06:50.040 Okay. 131 00:06:50.160 --> 00:06:52.439 The problem is most carriers don't offer it. 132 00:06:52.560 --> 00:06:55.160 The most in my carry Again, I'm not pure? Is 133 00:06:55.160 --> 00:06:57.920 that mine? Yes? Yeah, yep. And again these guys I 134 00:06:57.959 --> 00:07:00.439 have so much trust in them. I know what I have, 135 00:07:00.560 --> 00:07:03.079 don't I don't want to sound vacant, but I put 136 00:07:03.120 --> 00:07:05.160 so much trust in them. They just tell me, you 137 00:07:05.160 --> 00:07:07.560 know what I should do, and and that that's really 138 00:07:07.560 --> 00:07:09.720 what you want, by the way, but you have to 139 00:07:09.759 --> 00:07:13.319 earn that trust. You can't just hire someone. And I 140 00:07:13.319 --> 00:07:18.439 mean this has been many, many, many years. So okay, 141 00:07:18.720 --> 00:07:24.319 so again this is really important, really important, and we're 142 00:07:24.319 --> 00:07:28.160 gonna revisit it. I'm going to go to the phones. Peter, Peter, 143 00:07:28.759 --> 00:07:31.639 pumpkin eater, Peter. What's happening, bro? What's going on? Peter? 144 00:07:32.879 --> 00:07:36.519 So you real quick? I uh signed up for a 145 00:07:36.560 --> 00:07:40.279 subscription service for for medication from a place called Hams. 146 00:07:41.000 --> 00:07:42.639 And what kind of medication Peter? 147 00:07:43.240 --> 00:07:46.480 It was the stuff to make you happy? 148 00:07:46.519 --> 00:07:50.600 The the are you talking about testosterone? 149 00:07:51.120 --> 00:07:51.399 No? 150 00:07:51.399 --> 00:07:56.759 No, no, no, no, I it's for sex. It's I 151 00:07:56.759 --> 00:08:01.199 got like it was like what's it called called padela 152 00:08:01.279 --> 00:08:02.240 fill or something like that. 153 00:08:04.000 --> 00:08:07.240 Oh oh, you're talking about like like a generic biagra 154 00:08:07.439 --> 00:08:09.360 or cialis exactly exactly. 155 00:08:10.519 --> 00:08:10.680 You know. 156 00:08:10.720 --> 00:08:13.120 I often wonder why people don't go to their primary 157 00:08:13.160 --> 00:08:16.199 care for that stuff, yeah, you know, including hormone replacement 158 00:08:17.079 --> 00:08:19.680 or or at least a concierge doctor that does this. 159 00:08:19.759 --> 00:08:22.959 But it's okay, I mean, you know, the real, the 160 00:08:23.040 --> 00:08:28.319 real deal with ED medicine is that you use it 161 00:08:28.399 --> 00:08:30.439 properly and you get the real stuff. I mean, and 162 00:08:30.560 --> 00:08:31.759 Hymn's has the real stuff. 163 00:08:32.279 --> 00:08:36.360 They do correct. So but you make a great point, 164 00:08:36.440 --> 00:08:37.720 and it would be a lot easier just to go 165 00:08:37.799 --> 00:08:40.120 to your main doctor and be a lot cheaper too. 166 00:08:40.639 --> 00:08:42.600 But anyway, I didn't do that, and I got my 167 00:08:42.679 --> 00:08:46.879 first shipment from them, no problem. And they did another 168 00:08:46.960 --> 00:08:51.720 shipment a few days ago, and they want three hundred bucks. 169 00:08:52.120 --> 00:08:55.480 And now, wait a minute, what is the subscription all about? 170 00:08:56.519 --> 00:08:58.600 So it was basically it was like it was it 171 00:08:58.720 --> 00:09:01.039 wasn't very many pills. It was like it was like 172 00:09:01.159 --> 00:09:03.320 five pills or something. The first one was like maybe 173 00:09:03.480 --> 00:09:05.600 like seventy bucks or something like that. 174 00:09:06.120 --> 00:09:08.519 The second one, this seems like a lot of money. 175 00:09:09.200 --> 00:09:09.480 It does. 176 00:09:09.600 --> 00:09:12.679 I have primary care that primary Care takes care of that. 177 00:09:13.120 --> 00:09:14.840 It's really not expensive stuff. 178 00:09:15.679 --> 00:09:18.360 So the thing is the rub is that they they 179 00:09:18.480 --> 00:09:20.600 took out three hundred dollars out of my checking account. 180 00:09:21.200 --> 00:09:23.360 And I called and I said, I don't want. 181 00:09:23.159 --> 00:09:23.440 To do this. 182 00:09:23.600 --> 00:09:26.200 I want, but you must have agreed. You must have 183 00:09:26.279 --> 00:09:27.360 agreed to it, though right. 184 00:09:28.559 --> 00:09:31.240 I don't show anything that I agree to it. But 185 00:09:31.360 --> 00:09:33.320 the thing is it hasn't even shipped yet, it hasn't 186 00:09:33.360 --> 00:09:35.480 even been filled yet. But they won't get me my 187 00:09:35.559 --> 00:09:38.159 money back. They said that it's too late. But they 188 00:09:38.240 --> 00:09:42.039 haven't even like filled the prescription yet. They haven't done anything. 189 00:09:42.519 --> 00:09:44.519 And just sitting there, I mean, I haven't done anything. 190 00:09:44.559 --> 00:09:47.720 It's dark. Well that that that makes makes no sense 191 00:09:47.799 --> 00:09:49.440 to me. Man, it doesn't make that makes sense. 192 00:09:49.559 --> 00:09:51.840 I just put my money back and they when you call, 193 00:09:52.480 --> 00:09:54.360 and what I've learned. 194 00:09:54.200 --> 00:09:57.120 Now they actually they actually took it out of your 195 00:09:57.360 --> 00:10:00.320 account already. It's not a credit card, it was an actual, 196 00:10:01.000 --> 00:10:03.120 it was an ace. Why did you give them your 197 00:10:03.200 --> 00:10:05.039 ach information? Why'd you give them that? 198 00:10:05.759 --> 00:10:07.720 I don't have a credit cards anymore. I just I 199 00:10:08.440 --> 00:10:09.720 eliminated all credit cards. 200 00:10:09.759 --> 00:10:11.879 So here, let me give you. Let me give you 201 00:10:12.000 --> 00:10:14.919 some steps to take right now. Okay, man, you're not 202 00:10:15.000 --> 00:10:18.759 gonna you're not gonna like it. You not only have 203 00:10:18.919 --> 00:10:24.120 to stop the ach from future, you have to change banks. Okay, 204 00:10:24.240 --> 00:10:27.000 let me tell you why. I'll tell you why. When 205 00:10:27.039 --> 00:10:29.840 you have an account with a bank, you actually sign 206 00:10:30.080 --> 00:10:33.200 an agreement saying that if one account is short, they 207 00:10:33.240 --> 00:10:36.080 can go to another account in the same bank. You 208 00:10:36.200 --> 00:10:39.360 also sign an agreement you also sign an agreement saying 209 00:10:39.720 --> 00:10:44.080 that if you initiated an AH, you cannot stop that ach. 210 00:10:44.759 --> 00:10:48.440 If you initiated it with the vendor, the vendor has 211 00:10:48.559 --> 00:10:51.799 to stop it. So, in other words, this is if 212 00:10:51.840 --> 00:10:54.720 the if the vendor shows an agreement, even if you 213 00:10:55.480 --> 00:10:57.759 close the account and open another one with the same bank, 214 00:10:58.639 --> 00:11:02.200 the vendor can tap that count. So what bank do 215 00:11:02.240 --> 00:11:07.320 you have? I have a bell cup. You're going to 216 00:11:07.399 --> 00:11:09.559 literally have to close your account with them and open 217 00:11:09.639 --> 00:11:14.120 somewhere else at a new institution, and then you're going 218 00:11:14.200 --> 00:11:16.639 to have to deal with the money they took from you. Now, 219 00:11:17.360 --> 00:11:19.720 I have no doubt they had authorization to do so, 220 00:11:20.720 --> 00:11:22.840 and I don't know if you read your agreement. I 221 00:11:22.919 --> 00:11:25.600 don't like these places that force you into a subscription. 222 00:11:26.320 --> 00:11:28.840 Do not do it, in my opinion, do not do it. 223 00:11:29.399 --> 00:11:33.240 I mean, to me, they're crazy. I mean, why would 224 00:11:33.320 --> 00:11:36.960 you why? I mean, these people at Hymn's they want 225 00:11:37.000 --> 00:11:39.279 to do skincare, they want to do ED, they want 226 00:11:39.320 --> 00:11:43.320 to do compounded weight loss, they want to do anxiety medicines, 227 00:11:43.840 --> 00:11:46.840 chewables to grow hair. I mean, okay, it's a concept. 228 00:11:47.240 --> 00:11:50.279 Give it to him. Everything they need in one spot. 229 00:11:50.600 --> 00:11:53.440 But this I don't like subscription models. When I go 230 00:11:53.559 --> 00:11:55.600 to my primary care, they don't make me sign up 231 00:11:55.679 --> 00:11:59.679 every month. I don't want to do it. So that's 232 00:11:59.679 --> 00:12:01.440 the best advice I have for you right now. 233 00:12:01.679 --> 00:12:03.879 So that's pretty much just you don't think there's anything 234 00:12:03.919 --> 00:12:05.159 I can do to get my money back with. 235 00:12:05.240 --> 00:12:07.600 Them, like the well, one thing at a time, One 236 00:12:07.679 --> 00:12:10.399 thing at a time, bro protect future payments, get done. 237 00:12:10.759 --> 00:12:13.200 Then when you get that done, let's talk about then 238 00:12:13.279 --> 00:12:15.279 we'll talk about going after him. I mean, I mean that, 239 00:12:15.639 --> 00:12:17.840 but one thing at a time. I got to look 240 00:12:17.919 --> 00:12:20.960 into getting your money back on an ach Okay, so 241 00:12:22.000 --> 00:12:24.960 you may have to do a small claim score, but 242 00:12:25.080 --> 00:12:26.279 you gave them authorization. 243 00:12:26.480 --> 00:12:28.200 No, no, no, if you correct. 244 00:12:28.720 --> 00:12:28.960 Sure. 245 00:12:29.320 --> 00:12:30.960 I just think it's a simple fix for them. They 246 00:12:31.000 --> 00:12:32.960 just need to give them money money back. They haven't. 247 00:12:33.000 --> 00:12:34.960 Yeah, but they don't want to anything. They don't want 248 00:12:35.000 --> 00:12:38.039 to because they're greedy. Listen, when they're greedy, they don't 249 00:12:38.039 --> 00:12:39.840 want to. If they didn't ship, they could do it, 250 00:12:39.960 --> 00:12:42.600 but they don't because they're greedy. There's no other reason. 251 00:12:42.879 --> 00:12:44.720 And they're holding you to the letter of the law. 252 00:12:45.000 --> 00:12:47.120 Three all three seven, one, three, eight, two five five 253 00:12:47.159 --> 00:12:49.480 On Tom Martine, we are here to help you. Renew 254 00:12:49.480 --> 00:12:53.320 Home Innovations dot com. Beautiful porcelain showers, and I mean 255 00:12:53.840 --> 00:12:56.799 freaking beautiful. They're doing the whole thing at two or 256 00:12:56.840 --> 00:12:59.519 three days, seventy two months to pay with no interest. 257 00:12:59.639 --> 00:13:02.720 This is unheard of in the business. Renew Home Innovations 258 00:13:02.759 --> 00:13:04.919 dot com three oh three nine zero four two thousand. 259 00:13:09.679 --> 00:13:12.919 Go with a sure thing Denver's best roofer Excel Roofing 260 00:13:13.039 --> 00:13:15.679 dot com. You don't pay a cent until you're content. 261 00:13:19.039 --> 00:13:22.200 Time for an insurance check up, free no obligation comparison 262 00:13:22.360 --> 00:13:25.919 call Compass Insurance Paying too much your coverage at dozens 263 00:13:25.960 --> 00:13:28.639 of insurance companies find out now three oh three seven 264 00:13:28.799 --> 00:13:31.559 seven to one help. You'll think you're his only customer 265 00:13:31.639 --> 00:13:33.799 when you choose Frank durand the real estate Man dot 266 00:13:33.919 --> 00:13:37.200 com to list your home with Remax Alliance three oh 267 00:13:37.279 --> 00:13:44.000 three nine two zero sixteen twenty two. Hi Tom Martine 268 00:13:44.080 --> 00:13:47.360 here three oh three seven one three talk seven one 269 00:13:47.440 --> 00:13:51.679 three eight two five five. By the way, Kaenage Home Solutions. 270 00:13:52.559 --> 00:13:54.919 I want to talk a little bit about the Alpin window. Now, listen, 271 00:13:54.960 --> 00:13:56.840 there are all kinds of windows. These are made right 272 00:13:56.879 --> 00:13:59.399 here in Colorado for Colorado, and I've had them in 273 00:13:59.480 --> 00:14:01.559 my home. They were under a different name, but they 274 00:14:01.559 --> 00:14:03.759 were made right here in Colorado, same factory and everything. 275 00:14:04.240 --> 00:14:07.639 Wonderful windows. You might want to look into them, and 276 00:14:07.799 --> 00:14:12.519 that's kh Windows dot Com. Okay, So I wanted to 277 00:14:12.600 --> 00:14:14.759 mention that because they were some of the most superior 278 00:14:14.799 --> 00:14:16.639 windows I've had. Now, there's a lot to choose from, 279 00:14:17.200 --> 00:14:19.519 but it's good that you can shop around. Okay, Lisa, 280 00:14:19.559 --> 00:14:26.600 what's going on with you? Hello? Lisa, Lisa, Yes, can 281 00:14:26.639 --> 00:14:28.440 you what's going on with you? Lisa? 282 00:14:29.399 --> 00:14:32.000 Okay, I'm going to try to make it brief. 283 00:14:32.919 --> 00:14:37.039 So I went to we need new appliances in our kitchen. 284 00:14:37.159 --> 00:14:39.360 We have a very small kitchen, so we have been 285 00:14:39.440 --> 00:14:40.840 pricing and doing all that thing. 286 00:14:40.960 --> 00:14:43.519 So we decided Low's was our best option. 287 00:14:44.600 --> 00:14:46.519 There's the measurements, my husband did. 288 00:14:46.639 --> 00:14:48.480 I'll throw under the bus anyway. 289 00:14:49.159 --> 00:14:50.840 We took our measurements, talked. 290 00:14:50.639 --> 00:14:53.960 To the loads. He said, okay, that's great, and we 291 00:14:54.240 --> 00:14:56.080 ordered deliveries were set. 292 00:14:56.000 --> 00:15:00.720 Up for different days for different appliances. Well Bridge and 293 00:15:01.120 --> 00:15:05.799 my stove was coming last week, so the delivery guys 294 00:15:05.879 --> 00:15:09.320 showed up, took my stove and my refrigerator out, put 295 00:15:09.360 --> 00:15:10.120 it in the front yard. 296 00:15:10.200 --> 00:15:10.519 Brought in. 297 00:15:10.600 --> 00:15:15.440 The new stuff does not sit anywhere close like inches 298 00:15:15.519 --> 00:15:15.960 and inches. 299 00:15:16.440 --> 00:15:19.320 I can't open the well. Hold on, who did the measuring? 300 00:15:21.480 --> 00:15:22.360 My husband. 301 00:15:25.159 --> 00:15:26.639 That I asked the delivery guys. 302 00:15:26.679 --> 00:15:27.799 And we know that's on us. 303 00:15:28.360 --> 00:15:30.000 So I asked the delivery guys. 304 00:15:30.039 --> 00:15:32.080 I'm like, hey, can you just take these back to 305 00:15:32.120 --> 00:15:35.000 the warehouse, put my stuff back. I'll go down to lows, 306 00:15:35.720 --> 00:15:38.080 you know, we'll see what the fool's meant. And the 307 00:15:38.120 --> 00:15:41.960 guy looked at me and he goes now, and he 308 00:15:42.279 --> 00:15:45.559 starts speaking to me or speaking to his friend in Spanish, 309 00:15:45.639 --> 00:15:48.159 and I understand Spanish, and they were saying, I'm a 310 00:15:48.200 --> 00:15:48.720 stupid woman. 311 00:15:48.759 --> 00:15:50.320 They don't know how to measure, blah blah blah. 312 00:15:50.440 --> 00:15:53.919 Anyway, I call a friend of mine who gets on 313 00:15:54.000 --> 00:15:54.879 the phone with them. 314 00:15:54.799 --> 00:15:57.720 Who speaks for on Spanish, and says, please. 315 00:15:57.440 --> 00:16:01.159 Put her appliances back, take the news back to the warehouse. 316 00:16:01.320 --> 00:16:03.879 I'll go with her, you know, I'll come and measure 317 00:16:03.960 --> 00:16:06.440 for her and we'll get her new appliances. And the 318 00:16:06.480 --> 00:16:07.919 guy goes, now, we're not going to do that, and 319 00:16:08.000 --> 00:16:10.480 he drives. He just loads the stuff up on the 320 00:16:10.519 --> 00:16:12.559 truck and leaves with the new refrigerator. 321 00:16:12.679 --> 00:16:16.159 And by the way. Did you offer? Did you offer 322 00:16:16.240 --> 00:16:17.200 to pay them extra for that? 323 00:16:18.879 --> 00:16:19.200 I did? 324 00:16:20.720 --> 00:16:22.679 Yeah, you did. And why wouldn't they want to make 325 00:16:22.720 --> 00:16:25.480 some extra money? That is? 326 00:16:26.559 --> 00:16:28.679 I said, man, I'll give you fifty bucks, just please 327 00:16:28.759 --> 00:16:29.639 put my stuff back. 328 00:16:30.240 --> 00:16:30.960 I'll even help. 329 00:16:31.360 --> 00:16:32.000 And they said no. 330 00:16:32.559 --> 00:16:34.919 So then they started getting nasty. They were talking to 331 00:16:35.000 --> 00:16:37.320 my friend on the phone, and you know, they drove off. 332 00:16:37.759 --> 00:16:39.600 So I called my husband at work. 333 00:16:39.679 --> 00:16:40.320 He comes home. 334 00:16:40.759 --> 00:16:43.480 I take off and go right to Lows and I 335 00:16:43.639 --> 00:16:44.000 talked to. 336 00:16:44.080 --> 00:16:46.559 The sales guy who helped us, and he goes and 337 00:16:46.639 --> 00:16:48.519 gets his manager and he says. 338 00:16:48.600 --> 00:16:51.480 Now, did they take the other appliances back? Hold on, 339 00:16:51.879 --> 00:16:53.759 did they take the new appliances back? 340 00:16:55.399 --> 00:16:57.240 No, they left them in the middle of my kitchen, 341 00:16:57.320 --> 00:16:57.960 not hooked up. 342 00:17:00.360 --> 00:17:03.399 Okay, they're literally sitting in. 343 00:17:03.399 --> 00:17:07.240 The go ahead my kitchen, all right, So what happened? 344 00:17:07.240 --> 00:17:07.359 Then? 345 00:17:07.720 --> 00:17:08.279 I tell you. 346 00:17:09.039 --> 00:17:11.759 So then I'm talking to the manager, the appliance manager. 347 00:17:11.839 --> 00:17:15.000 His name is Mike at the Parker Low and he says, oh, gosh, 348 00:17:15.079 --> 00:17:17.759 this is no problem, easy fakes. We'll get you taken 349 00:17:17.839 --> 00:17:18.079 care of. 350 00:17:18.759 --> 00:17:19.920 I'll call the warehouse. 351 00:17:20.440 --> 00:17:21.279 They'll bring your. 352 00:17:21.319 --> 00:17:22.680 Stove and your refrigerator back. 353 00:17:22.920 --> 00:17:25.400 We'll get the new stuff taken out of there. I'm 354 00:17:25.440 --> 00:17:28.039 going to send somebody over to measure make sure. 355 00:17:28.799 --> 00:17:31.400 When you said, when you said they'll bring your other wait, 356 00:17:31.519 --> 00:17:33.880 when they said they'll bring your other appliances back, what 357 00:17:33.920 --> 00:17:36.000 do you mean did they take did they take them 358 00:17:36.039 --> 00:17:36.599 from the house? 359 00:17:36.759 --> 00:17:39.240 Yeah, if I understand her correctly, they took off with 360 00:17:39.440 --> 00:17:40.279 her old appliance. 361 00:17:40.440 --> 00:17:42.279 Did they take off with your old appliances? 362 00:17:43.279 --> 00:17:43.440 Yes? 363 00:17:44.200 --> 00:17:48.799 Yes, they in their truck after I told them not to. 364 00:17:49.519 --> 00:17:50.799 I said, you believe it, but let me. 365 00:17:50.799 --> 00:17:53.480 Ask you this. Hold on, yeah, but hold on, but 366 00:17:53.599 --> 00:17:56.799 hold on, Lisa. Were you getting were you trading in anything? 367 00:17:56.920 --> 00:17:58.640 Or were you they were scrapping them for you? 368 00:17:58.799 --> 00:17:59.000 Or what. 369 00:18:00.680 --> 00:18:01.559 They tell me? 370 00:18:03.079 --> 00:18:06.720 Okay, good, all right, keif see you keep going yep, yeah. 371 00:18:06.559 --> 00:18:10.559 I paid for that, and I said, I don't care 372 00:18:10.559 --> 00:18:12.920 about the charges. I mean obviously they brought it and 373 00:18:13.000 --> 00:18:14.920 moved stuff. And I even told the guys, hey man, 374 00:18:15.359 --> 00:18:16.559 you know, here's some coffee. 375 00:18:16.680 --> 00:18:17.480 You know you want some water? 376 00:18:17.599 --> 00:18:19.079 I'll pay fifty bucks, please put. 377 00:18:18.960 --> 00:18:19.480 My stuff back. 378 00:18:19.559 --> 00:18:20.279 Yeah, I get it. 379 00:18:20.359 --> 00:18:20.759 I get it. 380 00:18:20.839 --> 00:18:23.759 So where does this stand right now? Without going by blow? 381 00:18:24.000 --> 00:18:24.880 Where does the stand? 382 00:18:26.920 --> 00:18:30.240 So after every single day of talking to loads and 383 00:18:30.359 --> 00:18:35.279 them telling me no, problem. It's now a problem. They 384 00:18:35.640 --> 00:18:37.920 the appliance manager who told me he was going to 385 00:18:37.960 --> 00:18:40.480 call the warehouse and have my stuff brought back and 386 00:18:40.799 --> 00:18:43.480 send somebody out to remeasure to make sure they can 387 00:18:44.039 --> 00:18:45.039 find something to fit. 388 00:18:45.880 --> 00:18:47.039 My stuff got scrapped. 389 00:18:49.279 --> 00:18:51.640 So I have a refrigerator in the middle of my 390 00:18:52.000 --> 00:18:54.119 kitchen and a stove sticking out in the middle of 391 00:18:54.200 --> 00:18:57.319 my kitchen and they can't find my old appliances. So 392 00:18:57.599 --> 00:18:59.640 every day I've been calling them, going what are we 393 00:18:59.680 --> 00:18:59.920 going to do? 394 00:19:00.160 --> 00:19:00.920 What are we going to do? 395 00:19:01.720 --> 00:19:08.200 And well, I think the easiest Lisa, let's look, Lisa, 396 00:19:08.319 --> 00:19:11.440 let's look toward solutions. The only thing I think you 397 00:19:11.519 --> 00:19:13.279 can do is go there and get stuff that fits, 398 00:19:14.160 --> 00:19:16.359 or make your kitchen so it fits. This all started 399 00:19:16.400 --> 00:19:16.640 with your. 400 00:19:16.640 --> 00:19:18.279 Husband's Here's the problem. 401 00:19:19.079 --> 00:19:21.799 They no longer make because my house is twenty five 402 00:19:21.880 --> 00:19:25.799 years old. They no longer make a stove to fit 403 00:19:26.200 --> 00:19:26.839 that depth. 404 00:19:28.200 --> 00:19:31.599 Then you may have to get it altered at home. 405 00:19:31.720 --> 00:19:32.319 In your kitchen. 406 00:19:33.440 --> 00:19:36.279 Yeah, well, I mean what Lo's doesn't owe you a 407 00:19:36.359 --> 00:19:36.839 new kitchen. 408 00:19:37.400 --> 00:19:37.640 Listen. 409 00:19:37.799 --> 00:19:42.440 Low's doesn't ow you listen, Lisa, Lisa, listen, Please, they 410 00:19:42.519 --> 00:19:44.400 don't owe you a new kitchen. What they owe you 411 00:19:44.519 --> 00:19:46.720 is the value of your old appliance is at best, 412 00:19:47.200 --> 00:19:49.480 At best, that's what they owe you. At the very 413 00:19:49.680 --> 00:19:52.480 very very very best, they would owe you that, which 414 00:19:52.599 --> 00:19:55.599 is next to nothing. Let's just call it like it is. 415 00:19:56.079 --> 00:19:58.720 There is no perfect solution here. They're not going to 416 00:19:58.759 --> 00:20:01.279 redo your kitchen, are going to sell you what they have. 417 00:20:01.880 --> 00:20:04.880 And then you guys made the mistake. They took your appliances, 418 00:20:04.960 --> 00:20:07.119 Yes they did, Okay, was it wrong for them to 419 00:20:07.200 --> 00:20:09.680 take it? I don't know. I mean, I think these 420 00:20:09.720 --> 00:20:11.920 guys could have been nicer and left them. They they 421 00:20:12.000 --> 00:20:14.240 could have. I don't know. I don't know if they 422 00:20:14.359 --> 00:20:17.680 profited by Bye by scrapping him. But here's what I 423 00:20:17.799 --> 00:20:19.599 do know. We got to look for a solution. 424 00:20:19.759 --> 00:20:19.920 Now. 425 00:20:20.359 --> 00:20:22.480 So what would you propose as a solution. 426 00:20:26.079 --> 00:20:28.200 Tell me what is your that fits? 427 00:20:29.000 --> 00:20:29.440 I wanted. 428 00:20:29.519 --> 00:20:31.079 I wanted my appliances back. 429 00:20:31.559 --> 00:20:32.599 So so now. 430 00:20:34.240 --> 00:20:36.039 Right now there there, you can't get it back. Tell 431 00:20:36.079 --> 00:20:38.480 me what you want, Tell me what you want. 432 00:20:38.920 --> 00:20:40.640 I want to be reimbursed for my stuff. 433 00:20:42.039 --> 00:20:46.119 How much do you think they're worth? How old were they? 434 00:20:47.119 --> 00:20:52.079 How old? Ten years old? Ask me how much do 435 00:20:52.119 --> 00:20:55.799 you think? Asked Amitri? What paper? I didn't know, Mark, Mark, 436 00:20:55.839 --> 00:20:59.920 I didn't know you were there. Man. So Tom, I 437 00:21:00.079 --> 00:21:01.920 have another idea I wanted to bounce off of you. 438 00:21:02.400 --> 00:21:04.279 What do you think, Lisa, why don't you just go 439 00:21:04.599 --> 00:21:07.079 to Low's get a refund on the appliances that are 440 00:21:07.079 --> 00:21:09.000 sitting in the middle of your kitchen and go to 441 00:21:09.039 --> 00:21:12.000 all the other go to all the other hardware stores 442 00:21:12.039 --> 00:21:13.119 and find applying. 443 00:21:12.759 --> 00:21:18.079 Can you hear them? Well? Okay, let me just let 444 00:21:18.160 --> 00:21:19.440 me just pump the crap out of it. 445 00:21:20.240 --> 00:21:22.839 Go ahead, okay, Lisa, So I'm just gonna repeat this 446 00:21:22.880 --> 00:21:24.960 because we had an audio problem when I was talking. 447 00:21:25.079 --> 00:21:26.400 But here you tried. 448 00:21:26.599 --> 00:21:27.400 What do you think of this? 449 00:21:28.000 --> 00:21:31.279 Let's get let's get a refund on your appliances from 450 00:21:31.400 --> 00:21:35.519 Lows and just go to all these other appliance stores 451 00:21:35.519 --> 00:21:38.839 They're everywhere, and buy some appliances that will fit your kitchen. 452 00:21:40.400 --> 00:21:42.359 That's what we talked about. She said, she can't find it. 453 00:21:43.200 --> 00:21:47.680 I have trouble believing they don't make that depth anymore. 454 00:21:50.599 --> 00:21:52.559 Okay, but everything else can be replaced. 455 00:21:55.200 --> 00:21:59.240 Yeah, but I'd have to move my dishwasher and I'd 456 00:21:59.319 --> 00:22:01.200 have to take out habit it is to make the 457 00:22:01.279 --> 00:22:03.480 fridge fit because they don't have. 458 00:22:03.720 --> 00:22:09.400 Okay, they don't have shorter refrigerators that would fit that space. 459 00:22:11.119 --> 00:22:14.839 Okay, well, Lisa, I will tell you this, okay. 460 00:22:14.960 --> 00:22:17.160 And the store had told me they were going to 461 00:22:17.240 --> 00:22:19.119 take care of this, but they called last night. Let 462 00:22:19.200 --> 00:22:21.480 me just tell you what they told me. I asked them, 463 00:22:21.599 --> 00:22:23.799 please go find my appliances and bring them back, and 464 00:22:23.799 --> 00:22:26.000 I'm going to go away give me my stuff back. 465 00:22:26.359 --> 00:22:27.799 They said no, no, no, no no. 466 00:22:28.039 --> 00:22:30.599 So last night the warehouse manager called me and said, 467 00:22:30.799 --> 00:22:32.359 we're going to go to the scrap yard and we're 468 00:22:32.400 --> 00:22:34.359 going to go get your appliances and we're bringing them 469 00:22:34.359 --> 00:22:38.000 to your house today. And I said, after they've been 470 00:22:38.039 --> 00:22:39.279 sitting in the snow for a week. 471 00:22:40.799 --> 00:22:44.039 Okay, you know, Lisa, Lisa, I'm going to tell you 472 00:22:44.119 --> 00:22:46.039 something you're not going to want to hear it. There's 473 00:22:46.119 --> 00:22:48.839 not going to be a perfect solution. So you take 474 00:22:48.839 --> 00:22:52.200 your appliances back. If he can find them, take them back. 475 00:22:52.519 --> 00:22:54.039 Sitting in the snow in a week is not going 476 00:22:54.079 --> 00:22:55.720 to hurt them. I know you don't want to hear that, 477 00:22:55.799 --> 00:22:59.119 but they won't. Okay, this mistake has to be born 478 00:22:59.480 --> 00:23:02.200 by most with you guys. Now, the fact that they 479 00:23:02.279 --> 00:23:06.039 took them away is BS. It's BS, Lisa, I don't 480 00:23:06.079 --> 00:23:08.759 know why, you know, they contract with these people. I 481 00:23:08.839 --> 00:23:10.799 don't know why they couldn't have just dropped them if 482 00:23:10.799 --> 00:23:13.359 you paid them to do it. And I don't know 483 00:23:13.440 --> 00:23:16.039 what went on. All I know is, you know it 484 00:23:16.240 --> 00:23:20.559 wasn't their fault. Okay, it just wasn't. They sold you appliances, 485 00:23:20.880 --> 00:23:23.640 they offered to take the old ones away. You're coming 486 00:23:23.680 --> 00:23:26.880 at it from a whole different ballgame. They had really 487 00:23:26.960 --> 00:23:30.000 no responsibility to you other than courtesy. And did they 488 00:23:30.079 --> 00:23:32.559 go the extra mile? Anyone can argue that. But what 489 00:23:32.640 --> 00:23:35.960 I'm saying now is this, take your appliances back. If 490 00:23:36.000 --> 00:23:38.359 you can get them, just take them back and then 491 00:23:38.599 --> 00:23:41.559 move on to another place. And if you can't get 492 00:23:41.599 --> 00:23:44.160 a stove ever, then you'll never get one. But you 493 00:23:44.240 --> 00:23:47.279 know what, that's what kitchen remodeling is all about. There's 494 00:23:47.559 --> 00:23:52.119 very seldom, very seldom remove and replace right now with 495 00:23:52.319 --> 00:23:57.599 anything because of how houses have changed. You know, I 496 00:23:58.640 --> 00:24:02.680 I it's a you know, I'm not I'm not faulting 497 00:24:02.720 --> 00:24:04.400 you for feeling the way you do. I would feel 498 00:24:04.440 --> 00:24:06.880 the same way if I was there saying or I 499 00:24:07.079 --> 00:24:09.000 wasn't there, but if my wife said, Tom, I asked 500 00:24:09.079 --> 00:24:12.559 them to please, you know, to please just drop them. 501 00:24:12.559 --> 00:24:14.759 I'd even pay them for it to me that I 502 00:24:14.799 --> 00:24:17.880 don't know what the reason was, but now we're faced 503 00:24:17.920 --> 00:24:20.519 with it, and we will help you if you want. 504 00:24:21.400 --> 00:24:24.680 But if they're offering to bring your appliances back, see 505 00:24:24.680 --> 00:24:27.000 what condition they're in. I mean, let's see if they're working, 506 00:24:27.519 --> 00:24:29.880 you know. But the most they would owe you is 507 00:24:29.960 --> 00:24:33.480 a very paltry amount anyway, so I would say, let's 508 00:24:33.519 --> 00:24:37.160 move on. I'm sorry if I'm not telling you what 509 00:24:37.240 --> 00:24:40.599 you want, but I am telling you the truth. There's 510 00:24:40.680 --> 00:24:43.559 not always a perfect solution. Three oh three seven to 511 00:24:43.559 --> 00:24:47.680 one three talk seven one three eight two five five 512 00:24:48.200 --> 00:24:50.960 eight eight eight heating dot com. Don't forget forty five bucks, 513 00:24:51.400 --> 00:24:53.960 a deep clean and a true assessment, and the best 514 00:24:54.039 --> 00:24:58.000 prices for replacement of high efficiency units with high efficiency, 515 00:24:58.039 --> 00:25:00.319 I mean the best prices on high efficiency three oh 516 00:25:00.359 --> 00:25:06.079 three seven seven zero two seven seven six Go with 517 00:25:06.200 --> 00:25:09.599 a sure thing Denver's best roofer Excel Roofing dot com. 518 00:25:09.799 --> 00:25:15.519 You don't pay a cent until you're content. Time for 519 00:25:15.559 --> 00:25:19.279 an insurance check up free no obligation comparison call compass 520 00:25:19.400 --> 00:25:22.640 insurance paying too much your coverage at dozens of insurance 521 00:25:22.680 --> 00:25:25.759 companies find out now three oh three seven seven to one. Help. 522 00:25:25.960 --> 00:25:28.599 You'll think you're his only customer when you choose Frank 523 00:25:28.640 --> 00:25:31.079 durand the real estate man dot Com to list your 524 00:25:31.119 --> 00:25:34.240 home with Remax Alliance three oh three nine two zero 525 00:25:34.359 --> 00:25:46.920 sixteen twenty two. Hi Tom Martino, Welcome to the show. 526 00:25:47.279 --> 00:25:49.640 Three oh three seven one three talk three oh three 527 00:25:50.240 --> 00:25:53.880 seven one three eight two five five. All right, now, 528 00:25:55.440 --> 00:25:58.119 where's my damn Okay, I'm trying to find my calls 529 00:25:58.119 --> 00:25:58.440 from her? 530 00:25:58.440 --> 00:25:58.759 Here it is. 531 00:25:58.960 --> 00:26:01.119 Can we go back to the phone ones and find 532 00:26:01.160 --> 00:26:03.400 out what's on your mind? Remember Brian burns with us. 533 00:26:03.400 --> 00:26:06.319 So we're also going to do what we do all 534 00:26:06.359 --> 00:26:09.319 the time, and that's the insurance check up, and you 535 00:26:09.400 --> 00:26:11.480 can call it, well, you can call that other number 536 00:26:11.519 --> 00:26:13.279 that we have, we'll call it. Just call them directly 537 00:26:13.319 --> 00:26:15.799 three oh three nine nine six nine thousand, three oh 538 00:26:15.880 --> 00:26:19.279 three nine ninety six nine thousand and ask for an 539 00:26:19.279 --> 00:26:22.240 insurance checkup. We'll give some live examples and Brian, real 540 00:26:22.319 --> 00:26:24.160 quick here, I want to go to you and me. 541 00:26:24.480 --> 00:26:28.680 So when we talk about this about eighty five percent 542 00:26:28.720 --> 00:26:30.400 at the time you can save people money. Is that's 543 00:26:30.440 --> 00:26:33.400 still the case because insurance is crazy? Right now? 544 00:26:35.279 --> 00:26:38.000 Yeah, right now? That number is not eighty five percent, 545 00:26:38.880 --> 00:26:42.400 it's lower than that. But even if we're not able 546 00:26:42.440 --> 00:26:44.359 to save money, we can at least give some advice. 547 00:26:44.480 --> 00:26:46.559 If our opinion is you should stay where you're at, 548 00:26:46.680 --> 00:26:48.640 we'll tell you that, but we might also tell you, hey, 549 00:26:48.680 --> 00:26:50.960 you might look at increasing this or doing this, or 550 00:26:51.440 --> 00:26:53.240 you know, maybe we have an option that is a 551 00:26:53.240 --> 00:26:55.839 little bit more but has some of the coverages you needed. 552 00:26:55.960 --> 00:26:57.839 So whatever it is, we just try to be honest 553 00:26:57.880 --> 00:26:59.960 with you and let you know what is available. 554 00:27:01.160 --> 00:27:04.480 All right, three h three seven one three talk seven 555 00:27:04.519 --> 00:27:09.519 one three eight two five five. Who's next? Michael? Michael? 556 00:27:09.559 --> 00:27:13.400 What's going on with? Oh God, Greeley, Greeley? And the 557 00:27:13.480 --> 00:27:17.680 reason I say? Oh God? What is this noise I'm hearing? Folks? 558 00:27:17.839 --> 00:27:18.960 Anybody want to thank. 559 00:27:19.400 --> 00:27:21.200 Sorry about that? I'm talking on bluetooth right now. 560 00:27:22.640 --> 00:27:26.319 All right, go ahead? What's happening? Man? Yeah, good man? 561 00:27:26.400 --> 00:27:26.839 What's going on? 562 00:27:27.200 --> 00:27:28.119 Behalf of my parents? 563 00:27:28.559 --> 00:27:32.440 I'm calling on behalf of my parents. They had purchased 564 00:27:32.440 --> 00:27:35.400 a vehicle of eighty four Thanksgiving from Jent Cheverlet kind. 565 00:27:35.279 --> 00:27:38.440 Of like in Greeley, Colorado. I myself actually, okay, let 566 00:27:38.480 --> 00:27:41.559 me let me explain something. Well, ninety percent. Let's listen. 567 00:27:41.640 --> 00:27:46.839 Let me just just explain this to people of the time. 568 00:27:46.920 --> 00:27:49.200 If you buy a car in Greeley or World County, 569 00:27:49.480 --> 00:27:51.000 you'll be screwed. Keep going. 570 00:27:53.000 --> 00:27:53.920 Thanks to throw the heads up. 571 00:27:55.400 --> 00:27:58.119 So I'm just telling you the truth. Now, they went, 572 00:27:58.400 --> 00:28:00.359 they went to get Chevrolet. 573 00:28:01.799 --> 00:28:04.119 Yeah, Jet, Chevrolet, Cadillac and Greeley Colorado. 574 00:28:05.000 --> 00:28:05.720 What did they buy? 575 00:28:06.200 --> 00:28:08.799 Cool a new Chevrolet? 576 00:28:09.119 --> 00:28:09.839 What did they buy? 577 00:28:10.240 --> 00:28:10.640 Trade in. 578 00:28:12.119 --> 00:28:15.880 A new chev Chevy Silverado? Yeah? Can you get off 579 00:28:15.920 --> 00:28:18.279 bluetooth or not? I don't want you to be unsafe. 580 00:28:18.319 --> 00:28:22.000 I do not want you to be unsafe. Okay, let 581 00:28:22.039 --> 00:28:22.359 me so. 582 00:28:23.599 --> 00:28:24.519 Okay, Now, can you hear me? 583 00:28:24.640 --> 00:28:26.920 Please don't be unsafe pull over or something? I mean, 584 00:28:26.920 --> 00:28:29.759 if you're driving, I want you on bluetooth. Okay. Are 585 00:28:29.799 --> 00:28:33.279 you Chevy Silverado from again Chevrolet? Okay, go ahead? 586 00:28:33.480 --> 00:28:36.880 Yeah, correct, And so they had bout this the day 587 00:28:36.920 --> 00:28:40.799 before Thanksgiving. They've traded in two vehicles. One was a 588 00:28:41.640 --> 00:28:44.400 Key of Soul, the other one was a twenty twenty 589 00:28:44.480 --> 00:28:48.720 three Ford Expedition and had payoffs on both of them. However, 590 00:28:49.839 --> 00:28:55.039 the dealership themselves actually miscalculated this payoff by sixteen thousand dollars. 591 00:28:55.240 --> 00:28:56.519 Okay, now, keep them. 592 00:28:56.519 --> 00:28:59.880 Which payoff, which payoff? Which payoffs? 593 00:29:00.559 --> 00:29:01.319 For an expedition? 594 00:29:03.359 --> 00:29:07.480 Let me explain something. Why did they Why did they 595 00:29:07.640 --> 00:29:08.920 miscalculate the payoff? 596 00:29:10.720 --> 00:29:13.720 You know, I've done this for fifteen years myself, and 597 00:29:13.799 --> 00:29:15.839 I couldn't tell you because usually that's supposed to be 598 00:29:16.000 --> 00:29:18.880 checked at least three times before they actually send that out, and. 599 00:29:18.960 --> 00:29:20.920 More than Now, Michael, what do you mean, what do 600 00:29:21.039 --> 00:29:23.039 you mean you've done this? Michael? What do you mean? 601 00:29:23.880 --> 00:29:24.240 I worked? 602 00:29:24.480 --> 00:29:26.279 I actually work in the carbet as myself. 603 00:29:27.440 --> 00:29:28.920 Good, Then let me let me tell you that you 604 00:29:29.000 --> 00:29:30.799 were then you you know what I'm going to tell you. 605 00:29:32.240 --> 00:29:35.440 And here's what I'm going to tell you. When you 606 00:29:36.000 --> 00:29:39.920 sign a contract for the car and you're trading in cars, 607 00:29:40.599 --> 00:29:45.960 you sign a disclaimer that says if they miscalculate, you 608 00:29:46.119 --> 00:29:49.680 owe the money. Okay, you do each and every single 609 00:29:50.079 --> 00:29:53.759 each and every single time. Now, yeah, here's the other problem. 610 00:29:54.880 --> 00:29:59.759 Sometimes because of that disclaimer, I believe personally that dealers 611 00:30:00.640 --> 00:30:07.720 on purpose miscalculated to make the deal look better, but 612 00:30:07.880 --> 00:30:13.119 it's hard to prove so. The situation as it's. The 613 00:30:13.240 --> 00:30:17.319 situation as it stands, is that Ghent is telling them 614 00:30:17.960 --> 00:30:20.359 they need to bring money to the table. Is that right? 615 00:30:20.799 --> 00:30:21.720 Or get a bigger loan? 616 00:30:21.839 --> 00:30:22.480 Exactly right? 617 00:30:23.480 --> 00:30:25.200 The ball from what I hear, because I actually went 618 00:30:25.279 --> 00:30:27.039 with my parents to try to settle this out with 619 00:30:27.759 --> 00:30:30.359 the youth car manager. And legally, I do know this 620 00:30:30.559 --> 00:30:33.279 that you cannot sell a vehicle without pain without having 621 00:30:33.359 --> 00:30:34.079 the title and end. 622 00:30:34.279 --> 00:30:34.519 Okay. 623 00:30:34.920 --> 00:30:37.240 So they told my parents that they had sold both 624 00:30:37.319 --> 00:30:38.200 trades okay. 625 00:30:39.039 --> 00:30:42.000 And I think you know that the new the general, well, 626 00:30:42.079 --> 00:30:45.640 they didn't sell them. They're just being dishonest. Hold on, man, 627 00:30:45.680 --> 00:30:47.039 I got to take a break. I just have to 628 00:30:47.160 --> 00:30:48.880 three O three and I'll get to all of you. 629 00:30:49.039 --> 00:30:51.359 Call please three O three seven one three eight two 630 00:30:51.440 --> 00:30:57.319 five to five. Go with a sure thing Denver's best 631 00:30:57.400 --> 00:31:00.759 roofer Excel Roofing dot com. You don't pay us until 632 00:31:00.799 --> 00:31:07.240 you're content. Time for an insurance checkup free, no obligation. 633 00:31:07.319 --> 00:31:11.119 In comparison, call Compass Insurance paying too much your coverage 634 00:31:11.160 --> 00:31:13.799 at dozens of insurance companies find out now three all 635 00:31:13.880 --> 00:31:16.319 three seven seven to one help. You'll think you're his 636 00:31:16.480 --> 00:31:19.079 only customer when you choose Frank durand the real estate 637 00:31:19.160 --> 00:31:22.400 Man dot com to list your home with Remax Alliance 638 00:31:22.640 --> 00:31:29.559 three all three nine two zero sixteen twenty two. U. Hey, 639 00:31:29.720 --> 00:31:34.079 I'm Tom Martine. You're a troubleshooter. Welcome to the show, Michael. 640 00:31:34.240 --> 00:31:38.079 So listen, here's the bottom line. This sucks. 641 00:31:38.240 --> 00:31:38.400 Man. 642 00:31:38.960 --> 00:31:41.559 I don't trust any car dealers in World, County or Greedy. 643 00:31:41.680 --> 00:31:43.319 That's just the way it is. Don't trust them. Don't 644 00:31:43.319 --> 00:31:46.079 trust them. Don't trust them. Enough said, period, don't trust 645 00:31:46.160 --> 00:31:49.880 them now most of our car you know, it's amazing 646 00:31:49.960 --> 00:31:53.319 per capita the problems they have compared to Denver. I 647 00:31:53.440 --> 00:31:55.880 think that the word went out years ago. If you're 648 00:31:55.920 --> 00:32:02.160 a scumbag, mofo, lying, scumbag, piece of excrement, come on 649 00:32:02.359 --> 00:32:05.240 up to Weld County and Greeley. We want you to 650 00:32:05.359 --> 00:32:11.200 sell cars. But Michael, what do we do about it? No, seriously, seriously, now, 651 00:32:11.319 --> 00:32:14.200 let's get serious. If they misquoted, then. 652 00:32:14.240 --> 00:32:17.920 Through trying to you know, deal with the dealership and 653 00:32:18.599 --> 00:32:21.039 you know, and I even talked to my manager at 654 00:32:21.119 --> 00:32:23.920 my store and he's like, you know, we all make mistakes. 655 00:32:23.920 --> 00:32:26.240 If that was a mistake, we would make it right. 656 00:32:26.200 --> 00:32:28.440 And unwine the card. You'll give the trades back. And 657 00:32:28.519 --> 00:32:30.880 you know, obviously the customer can't pay the sixteen thousands 658 00:32:30.920 --> 00:32:31.559 of course. 659 00:32:31.519 --> 00:32:35.440 You know, so they and they won't do that. They 660 00:32:35.480 --> 00:32:38.880 won't hold on, they will not do it. They're sticking 661 00:32:38.960 --> 00:32:39.640 to their guns. 662 00:32:40.559 --> 00:32:42.759 They want to stick to their guns and force my 663 00:32:42.839 --> 00:32:45.519 parents to fork out sixteen thousand dollars to you know, 664 00:32:45.759 --> 00:32:46.000 to come. 665 00:32:46.160 --> 00:32:49.160 Well, they can't. They can. I'll tell you why. First 666 00:32:49.200 --> 00:32:52.400 of all, that you're at a standstill. They can't. They 667 00:32:52.480 --> 00:32:54.440 have a certain amount of bailment they can collect and 668 00:32:54.559 --> 00:32:57.119 that's it. They are limited as to what they can do, 669 00:32:57.440 --> 00:33:00.839 but they can collect every penny. And so I want 670 00:33:00.880 --> 00:33:02.880 to give this to a fight. I want to I 671 00:33:03.000 --> 00:33:04.720 want to give D. Do you feel like calling this 672 00:33:04.839 --> 00:33:07.759 dealer and trying to negotiate for back bro? Yeah, I'll 673 00:33:07.799 --> 00:33:10.519 be happy to do that right now. All right? Did 674 00:33:10.559 --> 00:33:12.359 you hear that, Shannon? Did you hear my man D? 675 00:33:12.799 --> 00:33:14.880 Could you hear him there? About as much as I 676 00:33:14.960 --> 00:33:19.440 needed to you? Okay? Yeah, that microphone is more of 677 00:33:19.519 --> 00:33:23.720 a low level. Hey, okay, So sir, hang on, Deputy 678 00:33:23.839 --> 00:33:25.680 D is going to be in touch with you and 679 00:33:25.799 --> 00:33:27.720 we're going to work down this. Three oh three seven 680 00:33:27.799 --> 00:33:31.480 one three eight two five five? Now it is I 681 00:33:31.640 --> 00:33:41.279 believe is it Twinika? Twinika? Damn it? Twinka? Is she 682 00:33:41.440 --> 00:33:46.200 not there? I guess, Kachina, Let's go to Linda unless 683 00:33:46.279 --> 00:33:49.319 Twinyka is there. You let me know. Linda. 684 00:33:50.079 --> 00:33:50.920 Hi, this is Linda. 685 00:33:52.559 --> 00:33:53.559 What's going on, Linda? 686 00:33:54.680 --> 00:33:59.640 Well, I have some questions about fighting for my house. Yes, 687 00:34:00.000 --> 00:34:04.200 we got an estimate for my house is a nineteen 688 00:34:04.319 --> 00:34:08.599 fifty nine ranch. It's about eighteen hundred square feet and 689 00:34:08.760 --> 00:34:13.199 I want in probably the upper third of it is 690 00:34:13.320 --> 00:34:17.480 the wood trim that I want replaced. But I got 691 00:34:17.639 --> 00:34:22.840 an estimate or a quote from for Hardy Plank and 692 00:34:22.960 --> 00:34:27.039 it came back as twenty three thousand dollars. Does that 693 00:34:27.239 --> 00:34:27.719 sound right? 694 00:34:27.880 --> 00:34:28.079 Yeah? 695 00:34:30.440 --> 00:34:32.159 It depends on who you're dealing with. It could be 696 00:34:32.360 --> 00:34:36.079 very well be. But here's what I want you to do. Yeah, 697 00:34:36.920 --> 00:34:37.840 I want you to hold tight. 698 00:34:38.000 --> 00:34:38.239 Party. 699 00:34:39.679 --> 00:34:41.679 I want you to hold tight, and we'll we'll talk 700 00:34:41.760 --> 00:34:44.800 to Genesis first and then go from there. Three oh 701 00:34:44.840 --> 00:34:48.079 three seven one three eight two five five Kaschina, let's 702 00:34:48.079 --> 00:34:50.480 get mark on if we can. We got more coming up. 703 00:34:54.000 --> 00:34:57.239 Go with a sure thing Denver's Best roofer Excel roofing 704 00:34:57.360 --> 00:34:57.800 dot com. 705 00:34:57.960 --> 00:35:03.719 You don't pay a cent until you're content. Leave time for. 706 00:35:03.719 --> 00:35:06.880 An insurance check up free, no obligation. In comparison, call 707 00:35:07.039 --> 00:35:10.280 Compass insurance, pay too much your coverage at dozens of 708 00:35:10.360 --> 00:35:13.320 insurance companies. Find out now three oh three seven seven 709 00:35:13.320 --> 00:35:16.079 to one help. You'll think you're his only customer when 710 00:35:16.119 --> 00:35:18.400 you choose Frank durand the real estate man dot com 711 00:35:18.639 --> 00:35:21.719 to list your home with Remax Alliance three oh three 712 00:35:21.840 --> 00:35:23.480 nine two zero sixteen twenty two. 713 00:35:24.360 --> 00:35:25.599 Yeah, time. 714 00:35:29.079 --> 00:35:31.599 Ripped of news. 715 00:35:32.599 --> 00:35:34.599 You needed that so you don't have to. 716 00:35:37.039 --> 00:35:40.119 Run anxious suspass as can show. 717 00:35:40.320 --> 00:35:42.920 Shooter's gonna help coming man. 718 00:35:43.760 --> 00:35:51.159 This is the Troubleshooter Show. No Tom Martinez, Hey Tom 719 00:35:51.199 --> 00:35:53.880 Martino here, welcome to the show. Three oh three seven 720 00:35:53.960 --> 00:35:57.239 one three talk seven one three eight two five five. 721 00:35:57.840 --> 00:36:00.599 I have with me Brian Burns. You'll see you're streaming 722 00:36:01.039 --> 00:36:03.920 to my right. He's with Compass Insurance Group. We're doing 723 00:36:04.000 --> 00:36:06.519 insurance checkups today. Now they do them all the time 724 00:36:06.559 --> 00:36:09.280 at three three nine ninety six nine thousand. It's something 725 00:36:09.360 --> 00:36:11.679 we started many many years ago. I said, you know, Brian, 726 00:36:12.000 --> 00:36:13.920 what would really be cool is if people had a 727 00:36:14.000 --> 00:36:20.360 way to judge their insurance without feeling pressured, just to say, hey, 728 00:36:20.480 --> 00:36:23.679 this is what I have, what do you think? And 729 00:36:24.159 --> 00:36:26.679 it really worked out well and one time we could 730 00:36:26.679 --> 00:36:30.039 save eighty five percent of the people money or get 731 00:36:30.079 --> 00:36:33.320 them better coverage. Brian says that changed a little with 732 00:36:33.400 --> 00:36:36.239 the marketplace because the marketplace is so screwed up, they 733 00:36:36.320 --> 00:36:39.239 can still save a lot of people money. And even 734 00:36:39.280 --> 00:36:41.719 when they can't save them money, he does find better coverage. 735 00:36:41.800 --> 00:36:45.800 Sometimes sometimes people don't they have actual cash value and 736 00:36:45.840 --> 00:36:49.119 don't realize it on a roof, or they have replacement 737 00:36:49.199 --> 00:36:51.559 value of their home set at a set amount and 738 00:36:51.639 --> 00:36:55.519 they're not insured above that. There's so many dangers in insurance. 739 00:36:56.000 --> 00:37:01.400 Then when it comes to auto insurance. My god, Mark, 740 00:37:01.440 --> 00:37:03.119 I got called from a guy that listens to this 741 00:37:03.199 --> 00:37:05.920 show all the time, all the time since he was 742 00:37:05.960 --> 00:37:13.440 a kid and his parents were really really hurt, really hurt. Yeah. 743 00:37:13.480 --> 00:37:14.280 I talked to him as. 744 00:37:14.239 --> 00:37:14.519 Well, and. 745 00:37:16.920 --> 00:37:20.039 I was mad at him. Okay, but he's like almost 746 00:37:20.079 --> 00:37:21.760 like a son of me. I mean he's been listening 747 00:37:21.800 --> 00:37:23.599 to me since you little boy. I got him his 748 00:37:23.679 --> 00:37:29.000 first computer and I said, why would you do this? 749 00:37:30.199 --> 00:37:38.559 Why wouldn't you get uninsured and underinsured motors coverage? He said, oh, 750 00:37:38.639 --> 00:37:42.880 I just wanted basic liability. And I said, do you 751 00:37:42.960 --> 00:37:47.039 understand something? Basic liability is good and you have to 752 00:37:47.079 --> 00:37:50.920 have it. That's what the insurance. That's what the state requires, 753 00:37:51.880 --> 00:37:54.639 and that's probably what the other person has. Now, unless 754 00:37:54.719 --> 00:37:58.599 the other person that hits you is rich, people usually 755 00:37:58.719 --> 00:38:03.360 insure for what there were. Let me explain that I'm 756 00:38:03.400 --> 00:38:07.320 not rich. But let's say somebody I hit somebody, and 757 00:38:07.480 --> 00:38:11.079 let's say I had state minimums of fifteen thousand and 758 00:38:11.199 --> 00:38:14.239 twenty five? Is that what it is? Am I miscalculated? 759 00:38:14.239 --> 00:38:18.079 But it's twenty five thousand per person fifty thousand paraxi right, 760 00:38:18.159 --> 00:38:21.320 so it's higher now, but the property damage is fifteen thousand, 761 00:38:21.400 --> 00:38:24.039 So that's damage to someone else's car is only fifteen thousands. 762 00:38:24.119 --> 00:38:26.800 But they're more concerned with their bodies for sure. So 763 00:38:26.920 --> 00:38:29.480 let's talk about that. So now, if I hit somebody 764 00:38:30.159 --> 00:38:33.800 and I'm insured for twenty five fifty yep, are they 765 00:38:33.880 --> 00:38:34.400 going to take that? 766 00:38:36.000 --> 00:38:39.079 Well, they'll exhaust that twenty five thous they yeah, but 767 00:38:39.159 --> 00:38:39.880 they won't settle. 768 00:38:40.039 --> 00:38:42.639 No, no, no, no, Now why won't they settle because 769 00:38:42.679 --> 00:38:45.119 they might think Tom is more. I can go after 770 00:38:45.360 --> 00:38:48.000 Yep or Brian has more. I can go after Demetrior 771 00:38:48.480 --> 00:38:51.199 or Mark or anyone, and then they assess it. So 772 00:38:51.559 --> 00:38:54.400 here's the rule of thumb. When you ensure you're insuring 773 00:38:54.440 --> 00:38:57.559 for your net worth or close to it. And here's why, 774 00:38:58.119 --> 00:39:01.639 because people have to make a decision. Do we want 775 00:39:01.639 --> 00:39:04.719 to sue that person who hit me and take a 776 00:39:04.800 --> 00:39:09.000 chance of getting a judgment and really being paid, or 777 00:39:09.119 --> 00:39:10.639 do we have no chance of being paid and we 778 00:39:10.760 --> 00:39:13.679 have to take the insurance. So if someone does not 779 00:39:13.800 --> 00:39:16.760 have a lot of money and they ensure for the minimums, 780 00:39:16.800 --> 00:39:19.599 that's all you're going to get. And in this case, 781 00:39:19.639 --> 00:39:24.400 that's all he's going to get. So his parents severely 782 00:39:24.519 --> 00:39:29.679 injured are limited to fifty thousand dollars fifty yep, one 783 00:39:29.760 --> 00:39:33.559 thousand dollars. Now that's going to pay nothing, absolutely nothing. 784 00:39:33.679 --> 00:39:36.440 Now we're not talking medical bills, No, we're talking pain 785 00:39:36.519 --> 00:39:36.960 and suffering. 786 00:39:37.039 --> 00:39:39.199 Yeah, and time away from work or not be able 787 00:39:39.239 --> 00:39:40.400 to enjoy life again. 788 00:39:40.599 --> 00:39:46.559 Yeah, so let's talk about this medical payments a different 789 00:39:46.639 --> 00:39:50.159 kind of coverage. Yep. Again, I don't believe they had that. 790 00:39:50.320 --> 00:39:50.920 Maybe they did. 791 00:39:51.199 --> 00:39:53.400 Basically, it's going to be minimal at that I'm five 792 00:39:53.480 --> 00:39:55.039 thousand dollars is what most people have. 793 00:39:55.519 --> 00:39:57.960 Now, Yeah, but it's dirt. Are you even ten or 794 00:39:58.000 --> 00:39:59.800 twenty thousand? Of medpays dirt? 795 00:40:00.039 --> 00:40:06.079 Deep? What people should do when they get insurance is 796 00:40:06.159 --> 00:40:12.719 insured for uninsured underinsured motorists. That's coverage for you. You 797 00:40:12.960 --> 00:40:18.519 are protecting your self, so you get medpay as much 798 00:40:18.559 --> 00:40:24.360 as you can afford an underinsured uninsured motorists. That's called UMU. 799 00:40:24.559 --> 00:40:25.800 What is it called UMU? 800 00:40:25.920 --> 00:40:27.119 I am yep okay? 801 00:40:27.440 --> 00:40:31.119 Now, that will cover you when someone else is under 802 00:40:31.719 --> 00:40:36.519 or uninsured, which is about sixty to seventy percent of 803 00:40:36.599 --> 00:40:40.000 the population. Do you understand that you have a sixty 804 00:40:40.079 --> 00:40:46.920 to seventy percent chance of getting hardly anything because they're underinsured. Well, 805 00:40:46.960 --> 00:40:49.559 in Colorado, there's a lot of people with no insurance, 806 00:40:49.599 --> 00:40:52.320 so you get zero, right, and that's well that no, 807 00:40:52.480 --> 00:40:56.840 that's uninsured. So underinsured and uninsured, that's what it covers both. 808 00:40:57.199 --> 00:41:00.440 And seventy percent of the people are either under insured 809 00:41:00.679 --> 00:41:01.400 or uninsured. 810 00:41:01.760 --> 00:41:04.320 And I can tell you because I look at people's 811 00:41:04.400 --> 00:41:08.760 insurance that come to us, it is a huge majority 812 00:41:08.800 --> 00:41:12.239 of people that are insured. Let's say with these direct 813 00:41:12.280 --> 00:41:15.960 carriers like a Geico or even you know like a 814 00:41:16.079 --> 00:41:18.880 Farmer's or one of those where the first thing they 815 00:41:18.960 --> 00:41:21.519 do to cut cost, whether it be the agent that's 816 00:41:21.559 --> 00:41:24.880 doing it or if it's them doing it themselves, is 817 00:41:25.239 --> 00:41:28.000 I see people come in with higher limits of liability. 818 00:41:28.079 --> 00:41:30.000 Let's say they have two hundred and fifty thousand per 819 00:41:30.039 --> 00:41:34.480 person of liability, yet they have twenty five thousand of 820 00:41:34.599 --> 00:41:37.000 uninsured motorists. I see it all the time. 821 00:41:37.559 --> 00:41:42.159 Well that's really that. It's yeah, why you're trying. 822 00:41:41.960 --> 00:41:44.119 To cut costs or they don't understand that what they're 823 00:41:44.199 --> 00:41:48.079 doing is they're they're actually covering themselves for less than 824 00:41:48.119 --> 00:41:50.920 they're covering other people, which I just don't I don't understand. 825 00:41:50.920 --> 00:41:54.639 As a matter of fact, you can't have higher limits 826 00:41:54.679 --> 00:41:57.440 of uninsured motorists than you do bodily injury. The state 827 00:41:57.480 --> 00:42:01.400 wos is what you can't get more. But but why 828 00:42:01.480 --> 00:42:04.639 would you choose to carry less coverage for yourself than 829 00:42:04.679 --> 00:42:06.400 you do for other people? And that's what people do 830 00:42:06.519 --> 00:42:07.199 all the time. 831 00:42:07.159 --> 00:42:10.400 So get me straightened. You can't just get a bunch 832 00:42:10.480 --> 00:42:14.119 of high limits for um, that's right, unless you have 833 00:42:15.159 --> 00:42:18.519 you sell matching coverage for a bodily injury. 834 00:42:18.840 --> 00:42:22.239 You can't have higher limits of uninsured motorists than what 835 00:42:22.360 --> 00:42:25.280 you have for bodily injury because the state's saying you 836 00:42:25.360 --> 00:42:27.679 can't ensure yourself for more than what you're covering other 837 00:42:27.800 --> 00:42:30.920 any bodily injury mean men pay no no, no liability. 838 00:42:31.199 --> 00:42:35.119 Okay, Yeah, so you can ensure yourself for more than 839 00:42:35.199 --> 00:42:36.199 other people, that's right. 840 00:42:37.320 --> 00:42:40.679 But you can at least ensure yourself for as much 841 00:42:40.719 --> 00:42:44.239 as you're covering other people. But all the time, people 842 00:42:44.360 --> 00:42:47.119 will have lower limits of uninsured motorists than they do 843 00:42:47.280 --> 00:42:49.639 for bodily injury and. 844 00:42:49.719 --> 00:42:54.159 Get an umbrella them carries that you I am too, Yeah, 845 00:42:54.239 --> 00:42:56.559 and that's a little harder mark to find. I do 846 00:42:56.760 --> 00:42:59.000 have options for that, but I would tell you the 847 00:42:59.440 --> 00:43:02.760 vast sort of people to have an umbrella or you know, 848 00:43:02.840 --> 00:43:04.960 if they're was safe farm or what, they don't offer 849 00:43:05.320 --> 00:43:07.840 access on a sure motorist so you can't even get 850 00:43:07.920 --> 00:43:12.719 it through them. So yeah, I'm with you if you can, Yeah, 851 00:43:12.840 --> 00:43:14.559 the one that you have for me. But we couldn't 852 00:43:14.599 --> 00:43:16.599 go with the carrier that has your auto insurance, if 853 00:43:16.599 --> 00:43:18.719 you remember, we had to go to a third party 854 00:43:18.840 --> 00:43:22.480 for the umbrella because uh not everybody offers it. 855 00:43:23.079 --> 00:43:27.039 All right, now, let's talk to Adam. Hello, Adam, I'm 856 00:43:27.079 --> 00:43:29.840 Tom Martino. What's going on in your life? Adam? 857 00:43:31.000 --> 00:43:32.920 Yeah, good morning guys. I just since you have your 858 00:43:32.920 --> 00:43:33.679 expert on, I. 859 00:43:33.760 --> 00:43:36.239 Am actually a Compass customer. 860 00:43:35.960 --> 00:43:38.719 As well, and I'm going through the renewal process. I 861 00:43:38.880 --> 00:43:43.280 just had a couple of questions. I have everything home 862 00:43:44.000 --> 00:43:47.800 auto my truck as a two thousand and nine, and 863 00:43:47.920 --> 00:43:49.000 I've been carrying. 864 00:43:48.719 --> 00:43:51.840 Full coverage on it up to this point. Now I'm wondering, 865 00:43:52.599 --> 00:43:53.320 I guess, kind of what. 866 00:43:53.440 --> 00:43:55.840 Is the formula for when you should just drop that 867 00:43:56.039 --> 00:43:57.679 down to liability. 868 00:43:57.119 --> 00:44:00.000 When it doesn't pay for itself and then all. 869 00:44:00.159 --> 00:44:03.920 So yep, with my homeowners, I have auto owners, and 870 00:44:04.000 --> 00:44:08.920 I have the guaranteed replacement cost the that I've been 871 00:44:08.960 --> 00:44:13.000 working with. He came in with Travelers and it's they 872 00:44:13.159 --> 00:44:18.199 up the dwelling amount and then it's a fifty percent overage. 873 00:44:19.039 --> 00:44:20.760 And I was just trying to do the math with 874 00:44:21.159 --> 00:44:24.199 full on replace or with how much it costs to 875 00:44:24.280 --> 00:44:29.960 rebuild nowadays, because that fifty extra if there is a total. 876 00:44:29.760 --> 00:44:33.199 Loss, still put that and that's a wonderful coverage. Fifty 877 00:44:33.239 --> 00:44:35.440 percent extra is pretty damn good. It's good. 878 00:44:35.559 --> 00:44:38.440 But uncapped is unbeatable. And I'll tell you right now, 879 00:44:39.159 --> 00:44:43.480 unless it's a substantial savings, I wouldn't switch only because 880 00:44:43.480 --> 00:44:46.519 of this. You couldn't go back to auto owners and 881 00:44:46.679 --> 00:44:49.039 get the uncapped They don't offer it. Anymore. Now they 882 00:44:49.159 --> 00:44:51.840 grandfathered it in. So if you're with them, you still 883 00:44:51.920 --> 00:44:54.480 get it, but if you move from them, we can 884 00:44:54.639 --> 00:44:55.920 never get it back from them. 885 00:44:56.199 --> 00:44:58.639 Is that the same with pure? No, Pure, Pure. 886 00:44:58.440 --> 00:45:01.320 Offers it's still that's we could do that on new business. 887 00:45:01.400 --> 00:45:05.840 But pure is also a different animal in itself. But yeah, 888 00:45:06.159 --> 00:45:08.760 but your other question, here's what I would tell you 889 00:45:09.480 --> 00:45:13.599 about liability only versus carrying collision and comp on an 890 00:45:13.639 --> 00:45:18.239 older vehicle. If you have I would price it out. 891 00:45:18.320 --> 00:45:20.559 Number one. Here's the thing. If you have young drivers. 892 00:45:21.559 --> 00:45:23.119 I know I'm not saying you do, but just as 893 00:45:23.159 --> 00:45:25.119 an example, if you have a young driver in the 894 00:45:25.159 --> 00:45:27.440 household and you have it assigned to a vehicle, that 895 00:45:27.519 --> 00:45:30.880 you could go to liability only. It makes all the 896 00:45:31.000 --> 00:45:33.079 sense in the world to go liability only because the 897 00:45:33.199 --> 00:45:36.199 reward on the savings of money is so much greater. 898 00:45:36.840 --> 00:45:38.719 Let's say it's if you have a two thousand and 899 00:45:38.800 --> 00:45:41.480 nine or whatever, and it's it depends on what it's worth. 900 00:45:41.719 --> 00:45:43.760 Some two thousand and ninees can be worth, you know, 901 00:45:43.880 --> 00:45:47.159 fifteen twenty thousand. Some of them are only worth five thousand. 902 00:45:47.760 --> 00:45:50.199 If it's only worth five thousand at that point, unless 903 00:45:50.239 --> 00:45:53.280 you have full glass and it's you know that I 904 00:45:53.320 --> 00:45:55.239 would go liability only, but if it's going to save 905 00:45:55.280 --> 00:45:57.840 you fifty bucks, then it's not worth it. So you 906 00:45:58.239 --> 00:46:01.199 really need to know what the cost savings is and 907 00:46:01.280 --> 00:46:02.559 then make a decision. 908 00:46:02.280 --> 00:46:02.880 Based off of that. 909 00:46:03.960 --> 00:46:06.960 The whole quote package is one thousand dollars a year 910 00:46:07.079 --> 00:46:10.920 savings going to going to travelers, but like you said, 911 00:46:11.039 --> 00:46:16.039 you lose that fool guaranteed replacement costs. I don't have 912 00:46:16.199 --> 00:46:19.039 young drivers yet, but that's coming in like another three years, 913 00:46:20.639 --> 00:46:23.360 but the truck's probably realistically only worth five or six 914 00:46:23.400 --> 00:46:24.960 thousand dollars at this point. 915 00:46:26.840 --> 00:46:29.880 Yeah, yeah, I would probably go liability only on that. 916 00:46:29.920 --> 00:46:30.920 I don't like to last. 917 00:46:32.599 --> 00:46:37.800 Yeah, I have that I would go liability only, Okay. 918 00:46:38.519 --> 00:46:41.559 I mean I try and I maximize all my coverages 919 00:46:41.559 --> 00:46:43.719 after the Marshall fire. That kind of scared me because 920 00:46:43.719 --> 00:46:45.119 I wanted to make sure that I would need. 921 00:46:45.079 --> 00:46:46.880 To go myself well. 922 00:46:46.960 --> 00:46:50.199 And and the the uncapped replacement costs is tough to be. 923 00:46:50.400 --> 00:46:53.239 A thousand dollars is a big savings though. So I'll 924 00:46:53.280 --> 00:46:56.559 tell you what, why don't you keep? Give your name 925 00:46:56.639 --> 00:47:01.480 to to Kelly and then I will look into your account. 926 00:47:01.519 --> 00:47:03.800 After I'll talk to whoever the renewal specialist is at 927 00:47:03.800 --> 00:47:06.519 our office working with you. There is an option with 928 00:47:06.599 --> 00:47:10.599 Travelers to go up to one hundred percent extended replacement cost. 929 00:47:11.400 --> 00:47:12.079 You have to change. 930 00:47:14.440 --> 00:47:15.000 He gave me that. 931 00:47:15.159 --> 00:47:19.039 Okay, well that that that bumped me up like over 932 00:47:19.199 --> 00:47:19.880 on top of what. 933 00:47:19.960 --> 00:47:21.199 Auto owners currently is. 934 00:47:21.280 --> 00:47:22.760 If I just were to renew, so oh. 935 00:47:22.679 --> 00:47:26.519 It's higher, Oh okay, yeah, yeah, I would be very 936 00:47:27.559 --> 00:47:29.199 It would be difficult to leave auto owners in that 937 00:47:29.320 --> 00:47:31.079 case to me, but I'm happy to talk to you 938 00:47:31.119 --> 00:47:31.440 about it. 939 00:47:33.199 --> 00:47:36.400 Just right, man, general, how much does it drop from 940 00:47:37.440 --> 00:47:38.400 full coverage. 941 00:47:38.119 --> 00:47:39.800 On an auto to just liability? 942 00:47:39.920 --> 00:47:42.679 Is that somewhat of a significant faces? 943 00:47:44.239 --> 00:47:45.760 It's so difficult unless I. 944 00:47:45.800 --> 00:47:48.440 Had your but it is. It is always the savings 945 00:47:48.800 --> 00:47:54.079 calm collision coverage adds some cost. If your car isn't worth. 946 00:47:53.880 --> 00:47:56.159 A lot, I'd go, I'd don't liability only. 947 00:47:56.400 --> 00:48:00.280 But but listen to this. I've had people be cause 948 00:48:00.360 --> 00:48:04.440 their car wasn't worth a lot, drop it and for 949 00:48:04.559 --> 00:48:07.239 the savings they got because they weren't paying a lot anyway. 950 00:48:07.320 --> 00:48:09.480 Remember the more the car is worth, the more you 951 00:48:09.559 --> 00:48:12.280 pay in collision. And actually they didn't have a way 952 00:48:12.320 --> 00:48:16.480 to replace their car, so it almost becomes an uninsured 953 00:48:18.440 --> 00:48:21.639 thing too. I mean, if your car is damaged and 954 00:48:21.679 --> 00:48:23.599 you're fighting over who's fault, it isn't all that. If 955 00:48:23.599 --> 00:48:27.119 you have collision coverage, you get the price for that car. 956 00:48:27.320 --> 00:48:31.239 So I changed my thinking a little on that a little. 957 00:48:31.360 --> 00:48:34.719 And here's here's how I changed it. If it's not 958 00:48:34.960 --> 00:48:38.119 that expensive, even if your car is not worth that much, 959 00:48:38.159 --> 00:48:41.679 here's what you have to ask yourself. Can I afford 960 00:48:42.239 --> 00:48:44.559 to buy this car if it was taken away from 961 00:48:44.599 --> 00:48:47.800 me tomorrow? Can I afford to buy a like vehicle? 962 00:48:48.239 --> 00:48:52.320 If you can't, the savings doesn't matter, you know what 963 00:48:52.400 --> 00:48:56.239 I mean? Because even if the car isn't worth that much, 964 00:48:56.599 --> 00:48:59.079 that means you're not paying that much in premium. Is 965 00:48:59.159 --> 00:48:59.840 that right, Brian? 966 00:49:00.280 --> 00:49:03.519 And that was my point. If if what it's saving 967 00:49:03.639 --> 00:49:06.599 you is so minimal, then that's why you just have 968 00:49:06.679 --> 00:49:08.280 to get it priced out. That's what we have to 969 00:49:08.360 --> 00:49:10.440 give you is just like what is the cost savings 970 00:49:10.480 --> 00:49:14.039 to go liability only? The other thought process on that is. 971 00:49:14.599 --> 00:49:15.119 I'm with you. 972 00:49:15.239 --> 00:49:17.760 If you have someone else that hits you and they 973 00:49:17.800 --> 00:49:19.719 don't have insurance or they're dragging their feet, you can 974 00:49:19.760 --> 00:49:21.639 go through your own insurance, which is huge and it's 975 00:49:21.639 --> 00:49:24.039 a non at fault accident, so you're not surcharge. You 976 00:49:24.119 --> 00:49:27.880 still pay your deductible. But the flip side of that 977 00:49:28.039 --> 00:49:30.239 is you're not going to want to make a collision 978 00:49:30.320 --> 00:49:32.639 claim if that you're at fault on a car worth 979 00:49:32.679 --> 00:49:36.679 four thousand dollars after your deductible amount, then all of 980 00:49:36.679 --> 00:49:38.400 a sudden you're paying a higher premium because you had 981 00:49:38.400 --> 00:49:43.360 an apt fault accident on there too. So the best 982 00:49:44.119 --> 00:49:46.280 option I can give you here is let's see what 983 00:49:46.480 --> 00:49:48.039 the saving is and then. 984 00:49:48.239 --> 00:49:50.960 We can then assess it information and assess it from there. 985 00:49:51.480 --> 00:49:55.280 The next thing there is something called Adams, something called 986 00:49:55.840 --> 00:49:59.480 uninsured property damage. How does that work, Brian? You actually 987 00:49:59.559 --> 00:50:00.559 buy that separately. 988 00:50:00.840 --> 00:50:04.239 Yeah, so it's only available if you don't have collision coverage. 989 00:50:04.719 --> 00:50:07.119 You can't have it in addition to collision because collision 990 00:50:07.159 --> 00:50:11.159 pays for uninsured motorists that damage your vehicle, but uninsured 991 00:50:11.199 --> 00:50:16.000 motors property damage. It's very inexpensive. But it also is 992 00:50:16.400 --> 00:50:18.199 it doesn't come into play very often. 993 00:50:18.880 --> 00:50:21.880 It's only when somebody uninsured hits you and ruins your 994 00:50:21.920 --> 00:50:23.320 car truly uninsured. 995 00:50:23.760 --> 00:50:26.199 A hit and run does not qualify as an unassured 996 00:50:26.239 --> 00:50:28.199 motors unless you can prove the person that hit and 997 00:50:28.280 --> 00:50:32.239 ran your car is uninsured, so it really has to 998 00:50:32.320 --> 00:50:35.639 be someone that does not have insurance, and you're able 999 00:50:35.719 --> 00:50:38.920 to turn a claimant for unsure motors property damage at 1000 00:50:38.960 --> 00:50:39.280 that point. 1001 00:50:39.360 --> 00:50:41.440 Now I want to talk to you about renew Home Innovations. 1002 00:50:41.519 --> 00:50:43.159 I don't know if I got this across or not, 1003 00:50:43.360 --> 00:50:47.639 but the shower conversions they're doing, they shouldn't even be 1004 00:50:47.719 --> 00:50:53.119 called conversions. They are the most beautiful, beautiful edition you 1005 00:50:53.199 --> 00:50:56.039 can make, and it's at the price of a conversion, 1006 00:50:56.159 --> 00:51:00.840 meaning they have porcelain sheets now real, honest to god porcelain, 1007 00:51:01.559 --> 00:51:06.159 no maintenance, beautiful, and they will quote you that they 1008 00:51:06.199 --> 00:51:07.880 can do it in two or three days with seventy 1009 00:51:07.920 --> 00:51:11.119 two months to pay no interest. That's unheard of. Renew 1010 00:51:11.199 --> 00:51:14.960 Home Innovations dot com three oh three nine zero four 1011 00:51:15.559 --> 00:51:23.639 two thousand, he said, go with a sure thing Denver's 1012 00:51:23.679 --> 00:51:26.559 best roofer Excel Roofing dot com. You don't pay a 1013 00:51:26.679 --> 00:51:33.119 cent until you're content. Time for an insurance check up free, 1014 00:51:33.239 --> 00:51:36.920 no obligation. In comparison, call Compass insurance paying too much 1015 00:51:37.079 --> 00:51:40.000 your coverage at dozens of insurance companies find out now 1016 00:51:40.119 --> 00:51:42.599 three oh three seven seven to one help. You'll think 1017 00:51:42.639 --> 00:51:45.199 you're his only customer when you choose Frank durand the 1018 00:51:45.280 --> 00:51:47.880 real estate Man dot com to list your home with 1019 00:51:48.039 --> 00:51:51.519 Remax Alliance three oh three nine two zero sixteen twenty two. 1020 00:51:57.960 --> 00:52:01.840 Hi Tom Martino, you're troubleshooter three all three seven one 1021 00:52:01.960 --> 00:52:04.000 three talk three all three seven one three two five 1022 00:52:04.119 --> 00:52:07.039 five Man. Today is a good show. We're doing insurance checkups. 1023 00:52:07.079 --> 00:52:09.639 You haven't need to talk about right now. 1024 00:52:09.920 --> 00:52:11.880 I just got here. 1025 00:52:12.239 --> 00:52:15.360 Okay, let's go to your shot here and let's do that. 1026 00:52:15.519 --> 00:52:18.960 So now, let me tell you what an insurance checkup is. 1027 00:52:19.360 --> 00:52:21.360 If you go to the Insurance Healthcenter dot com or 1028 00:52:21.400 --> 00:52:23.519 you call them three h three nine nine six nine thousand, 1029 00:52:24.239 --> 00:52:26.480 they do an insurance checkup. It's an honest to god 1030 00:52:26.519 --> 00:52:27.960 look at what you're paying and what you have and 1031 00:52:28.039 --> 00:52:32.800 what they can find in the marketplace. There's no pushing, shoving, lying, cheating. 1032 00:52:32.960 --> 00:52:35.840 You can't You know what I love about free second opinions. 1033 00:52:37.440 --> 00:52:42.480 This is what I love. You can't lie. See you 1034 00:52:42.559 --> 00:52:44.480 know I love when when if people say I can 1035 00:52:44.559 --> 00:52:48.159 beat that deal, then beat it right. I mean, it's 1036 00:52:48.199 --> 00:52:51.880 an impossible situation to go wrong with a second opinion. 1037 00:52:52.239 --> 00:52:55.480 Whether it be HVAC, whether it be what I do 1038 00:52:55.639 --> 00:52:59.719 with financial, with with Wave eight Financial or Wave eight wealth, 1039 00:52:59.760 --> 00:53:04.880 matter what Brian does, and I followed his rule, his 1040 00:53:05.639 --> 00:53:07.480 rule when he does those in check ups, that's what 1041 00:53:07.559 --> 00:53:09.599 we do. And it's not with an eye of finding 1042 00:53:09.679 --> 00:53:12.079 something wrong. It's with an eye of a true review. 1043 00:53:12.920 --> 00:53:15.119 So let's talk Brian. What did you find? 1044 00:53:15.159 --> 00:53:15.519 Bro So? 1045 00:53:15.800 --> 00:53:18.719 This one that looks like they called in. They are 1046 00:53:18.840 --> 00:53:23.719 with Liberty Mutual right now, and they are really under 1047 00:53:23.800 --> 00:53:26.480 insured on their home. They live in the Ken Carroll area. 1048 00:53:26.559 --> 00:53:30.320 It looks like they only had a policy with Liberty 1049 00:53:30.360 --> 00:53:33.000 Mutual that would pay out a maximum of five hundred 1050 00:53:33.039 --> 00:53:35.320 and sixty six thousand dollars in the event of a 1051 00:53:35.360 --> 00:53:37.760 total loss. That's with the extended replacement coss. 1052 00:53:37.800 --> 00:53:40.360 Oh my god, five hundred and sixty six thousand. What 1053 00:53:40.480 --> 00:53:41.000 kind of a home? 1054 00:53:41.599 --> 00:53:44.719 The home is worth over a million. Oh, so they're 1055 00:53:44.800 --> 00:53:46.199 substantially under insured. 1056 00:53:46.280 --> 00:53:49.920 Now would they be socked with an underinsured penalty on it? 1057 00:53:50.000 --> 00:53:52.440 No, I don't think they would because they've been with 1058 00:53:52.599 --> 00:53:55.039 them forever, so it's just it they haven't kept up with. 1059 00:53:55.920 --> 00:53:59.039 But there are consequences to pay less of a premium 1060 00:53:59.079 --> 00:54:00.519 than they should have been all these years. 1061 00:54:00.639 --> 00:54:02.559 Well, the penalty is going to be they're only going 1062 00:54:02.599 --> 00:54:04.239 to have five hundred and sixty six thousand now, But 1063 00:54:04.320 --> 00:54:05.239 let's talk about a roof. 1064 00:54:05.639 --> 00:54:08.079 You've always told me or I was always told if 1065 00:54:08.079 --> 00:54:11.280 you're insured for half the value of your entire home, 1066 00:54:11.559 --> 00:54:13.679 you get half the value of any claim. 1067 00:54:14.000 --> 00:54:16.239 Well, is that not true anymore? Well, here's how it 1068 00:54:16.320 --> 00:54:19.480 works on personal lines. If at the time that you 1069 00:54:19.760 --> 00:54:23.280 get the insurance, they're going to run a replacement cost estimator. 1070 00:54:23.719 --> 00:54:26.719 If you insure it for whatever the replacement cost is. 1071 00:54:27.679 --> 00:54:30.639 Even in the event that there's a loss and it's 1072 00:54:31.159 --> 00:54:34.480 much greater damage than what you have insurance for, you're 1073 00:54:34.519 --> 00:54:39.639 not penalized other than being under insured. You're not penalized 1074 00:54:39.679 --> 00:54:42.280 for a partial loss, and they're going to have a 1075 00:54:42.400 --> 00:54:46.400 co insurance penalty. The only reason that would occur is 1076 00:54:46.480 --> 00:54:48.480 if you've done work to the house and you haven't 1077 00:54:48.519 --> 00:54:51.400 reported it. You've inflated the value of the house without 1078 00:54:51.880 --> 00:54:55.800 without also inflating your insurance. If it's just because the 1079 00:54:55.960 --> 00:55:01.800 value and the cost of reconstruction has increased, you're not penalized. Now, 1080 00:55:01.880 --> 00:55:06.360 commercial insurance it's a different, different animal. You are hit 1081 00:55:06.440 --> 00:55:09.559 with co insurance penalties, but for for home insurance, that's 1082 00:55:09.639 --> 00:55:12.280 not not really a thing on the personal lines market. 1083 00:55:13.480 --> 00:55:17.000 So these people would have been insured for about half 1084 00:55:17.079 --> 00:55:19.960 of what they should have been we had, and they 1085 00:55:20.000 --> 00:55:22.440 had auto insurance and everything else with them. We're able 1086 00:55:22.480 --> 00:55:23.079 to move them. 1087 00:55:23.000 --> 00:55:23.639 To a carrier. 1088 00:55:23.719 --> 00:55:27.039 We've quoted them with a carrier called Acuity. They're one 1089 00:55:27.079 --> 00:55:29.440 of the few ones we have left that they do 1090 00:55:29.679 --> 00:55:34.639 have guaranteed replacement costs uncapped. We added an umbrella with 1091 00:55:35.039 --> 00:55:39.320 excess uninsured motorists with the auto home and umbrella and 1092 00:55:39.480 --> 00:55:42.039 saved them a thousand dollars give or take annually. 1093 00:55:43.079 --> 00:55:48.719 Okay, that is wonderful. That is wonderful. I mean them 1094 00:55:48.760 --> 00:55:49.480 real coverage. 1095 00:55:49.559 --> 00:55:50.719 Yeah, that that made me. 1096 00:55:50.800 --> 00:55:52.480 Come on, you don't ask for better than that. 1097 00:55:52.679 --> 00:55:55.559 Go ahead, mark it's safe cod Because aren't they owned 1098 00:55:55.559 --> 00:55:56.519 by Liberty Mutual? 1099 00:55:56.679 --> 00:55:58.480 Yeah they are. 1100 00:55:58.679 --> 00:56:02.039 Yes, are they generally cheaper than Liberty Mutual if you 1101 00:56:02.239 --> 00:56:03.840 if you had them and shopped them. 1102 00:56:05.639 --> 00:56:08.360 All the time, I'll see where there they're different rates. 1103 00:56:08.400 --> 00:56:10.360 I'll put it that way. But yeah, all the time 1104 00:56:10.440 --> 00:56:14.000 when people come from Liberty Mutual, I don't like rule 1105 00:56:14.039 --> 00:56:16.320 out Safeco. I'll quote Safeco and it will be a 1106 00:56:16.519 --> 00:56:19.559 vastly different rate. Sometimes it saves the money, sometimes it doesn't. 1107 00:56:21.880 --> 00:56:22.159 Got it? 1108 00:56:22.280 --> 00:56:26.320 Okay? Now three h three seven one three talk seven 1109 00:56:26.400 --> 00:56:26.880 one three. 1110 00:56:26.719 --> 00:56:29.639 Wait wait I got one more for Brian. Yes, So 1111 00:56:30.360 --> 00:56:33.960 we were talking about uninsured and how important it is 1112 00:56:34.079 --> 00:56:35.000 and big time it is. 1113 00:56:35.119 --> 00:56:36.559 I don't care what kind of car it is. 1114 00:56:37.000 --> 00:56:40.159 So if you lower your car and get rid of 1115 00:56:40.840 --> 00:56:45.320 comprehensive and basically just have the you know, liability only 1116 00:56:46.159 --> 00:56:48.679 and that's just on one car, but on the other 1117 00:56:48.840 --> 00:56:52.840 car you have you know, full coverage. So is each 1118 00:56:53.039 --> 00:56:57.920 car get the under insured or no insured or is 1119 00:56:58.000 --> 00:56:59.880 that for the policy? Does that make sense? 1120 00:57:01.159 --> 00:57:01.559 It does? 1121 00:57:01.800 --> 00:57:02.079 It does? 1122 00:57:02.239 --> 00:57:05.960 The uninsured motorists or underinsured motors is a policy coverage. 1123 00:57:06.119 --> 00:57:08.119 So God has nothing to do whether or not you 1124 00:57:08.239 --> 00:57:11.159 have collision or comprehensive. It's it's completely separate from that. 1125 00:57:11.599 --> 00:57:13.519 And then then goes over all the vehicles. 1126 00:57:13.920 --> 00:57:16.880 And we had someone on YouTube going if the kid's eighteen, 1127 00:57:17.800 --> 00:57:20.840 and you know, let's just pretend it would be cheaper 1128 00:57:20.920 --> 00:57:24.840 to get them insurance because they're driving a nineteen ninety 1129 00:57:25.039 --> 00:57:28.599 whatever and the vehicles you're driving costs a lot more. 1130 00:57:28.719 --> 00:57:32.039 So instead of them putting on your policy where he's 1131 00:57:32.119 --> 00:57:34.920 covered by all the vehicles in the household. You just 1132 00:57:35.119 --> 00:57:39.000 insure them with cheap insurance or her for the nineteen 1133 00:57:39.119 --> 00:57:42.639 ninety whatever. You follow me so far, Brian. But the 1134 00:57:42.760 --> 00:57:45.079 car has to be in their name, Mark, Yeah, and 1135 00:57:45.199 --> 00:57:47.559 the car and their name. But what I'm saying is 1136 00:57:47.719 --> 00:57:50.920 that's so problematic. It's crazy because if they get an 1137 00:57:50.960 --> 00:57:53.119 accident one of the other cars, it's trouble. 1138 00:57:54.519 --> 00:57:57.119 Well, they're excluded on the other vehicles. That's the way 1139 00:57:57.159 --> 00:57:57.639 to make that work. 1140 00:57:57.880 --> 00:58:00.119 Yeah, but they if they still live with you, when 1141 00:58:00.119 --> 00:58:02.880 they go out and do massive damage and they only 1142 00:58:02.920 --> 00:58:05.039 have twenty five well. 1143 00:58:05.000 --> 00:58:07.840 Hold on, now, hold on, hold on. John Fuller and 1144 00:58:07.920 --> 00:58:12.000 I had a very long talk. Now I'm totally transparent. 1145 00:58:12.079 --> 00:58:15.320 I'm going to tell you so my daughter has a 1146 00:58:15.440 --> 00:58:17.239 car that I own, but it's her car. You know, 1147 00:58:17.880 --> 00:58:21.199 it's in my name, and she drives it and is 1148 00:58:21.280 --> 00:58:24.559 insured under my policy and for all the big limits. 1149 00:58:24.800 --> 00:58:29.599 Now we I asked John, John, she's now no longer 1150 00:58:29.639 --> 00:58:33.559 a kid, she's an adult, she's working. What if the 1151 00:58:33.679 --> 00:58:36.679 name is what if the car's transferred to her under 1152 00:58:36.719 --> 00:58:40.679 her name and she's insured under her policy, even if 1153 00:58:40.719 --> 00:58:43.119 she lives with me or lives somewhere else. Do I 1154 00:58:43.199 --> 00:58:46.039 have liability? He says, Tom. I know people tell you 1155 00:58:46.159 --> 00:58:48.519 this all the time, that you're gonna have liability, but 1156 00:58:48.719 --> 00:58:49.360 he believes. 1157 00:58:49.400 --> 00:58:49.480 Now. 1158 00:58:49.480 --> 00:58:50.800 I don't want to put words in his mouth, so 1159 00:58:50.880 --> 00:58:53.360 I want to get him on. He is saying, you 1160 00:58:53.480 --> 00:58:57.280 can be safe, okay, And and then Brian said, no, Tom, 1161 00:58:57.559 --> 00:58:58.880 they're going to come after you. I see it all 1162 00:58:58.880 --> 00:59:01.400 the time. We should we should really talk about this 1163 00:59:01.519 --> 00:59:04.480 once and for all, because at some point it might 1164 00:59:04.559 --> 00:59:07.119 be cheaper for me. I don't know. It might be 1165 00:59:07.280 --> 00:59:10.400 cheaper that she has her own policy in a car, 1166 00:59:10.559 --> 00:59:11.239 in her own name. 1167 00:59:11.559 --> 00:59:15.480 Yeah, and that that comes at a certain age. It's 1168 00:59:15.639 --> 00:59:18.559 certainly not eighteen years old. I have done this so 1169 00:59:18.639 --> 00:59:19.519 many We did it for you. 1170 00:59:20.440 --> 00:59:23.000 But you're talking about she would pay more under her 1171 00:59:23.079 --> 00:59:24.119 own name than I'm paying now. 1172 00:59:24.239 --> 00:59:27.440 It doesn't save you money, and you're limiting your coverage. 1173 00:59:27.519 --> 00:59:29.760 No, I get that, But at what age then? 1174 00:59:30.280 --> 00:59:32.880 Usually after twenty one, if they're on their own, it 1175 00:59:32.960 --> 00:59:34.679 makes all the sense in the world to move them, 1176 00:59:34.920 --> 00:59:36.920 you know, to get quotes at least on their own 1177 00:59:37.039 --> 00:59:39.920 policy if they truly are on their own. And I 1178 00:59:40.320 --> 00:59:42.920 will always take a backseat to an attorney that tells 1179 00:59:43.000 --> 00:59:44.760 you something, but I will always you. 1180 00:59:44.719 --> 00:59:45.760 Know what we need it. 1181 00:59:45.920 --> 00:59:48.599 Since today is insurance day, it would be a really 1182 00:59:48.679 --> 00:59:50.920 good day to talk to John about this. I would, 1183 00:59:51.199 --> 00:59:53.360 because it comes up. Would scare the hell out of me. 1184 00:59:54.159 --> 00:59:58.039 Is something happens to their car, and something happens and 1185 00:59:58.119 --> 01:00:00.840 they got to get somewhere and they end up taking 1186 01:00:00.920 --> 01:00:03.559 one of yours that they're not allowed to drive anymore. 1187 01:00:03.840 --> 01:00:07.679 I mean, to me, here's what happens. Now, I'm gonna 1188 01:00:08.159 --> 01:00:10.679 my car. The cars are still family right now. So 1189 01:00:10.840 --> 01:00:13.360 I didn't have this problem. But I did have a 1190 01:00:13.440 --> 01:00:16.760 kind of rehearsal. Okay. And this was another company that 1191 01:00:16.840 --> 01:00:20.239 caused damage to my daughter's car. And they were stellar. Okay, 1192 01:00:20.559 --> 01:00:22.760 it was an accident at a roofing thing that dropped 1193 01:00:22.800 --> 01:00:25.679 on my daughter's car. This roofing company came through one 1194 01:00:25.760 --> 01:00:30.559 thousand percent, one thousand percent okay, lifetime construction. These guys 1195 01:00:30.639 --> 01:00:34.320 were so honorable. I mean, they bent over backwards and 1196 01:00:34.400 --> 01:00:37.400 paid every penny. And oh and it wasn't because it 1197 01:00:37.480 --> 01:00:42.000 was Dulce Martino and me and and they not at all, 1198 01:00:42.079 --> 01:00:44.840 I swear to God, not at all. They I could 1199 01:00:44.920 --> 01:00:48.039 tell they cared about what was right. They came through 1200 01:00:48.119 --> 01:00:51.400 with every penny of prepares. But going through the scenario, 1201 01:00:51.480 --> 01:00:54.280 let's say it was her car and I didn't have 1202 01:00:54.320 --> 01:00:57.519 her insurer under mine. Okay, I found the service that 1203 01:00:57.639 --> 01:01:00.400 I love, Mark, I just never found a better service. 1204 01:01:00.480 --> 01:01:01.280 It's called Turrow. 1205 01:01:01.880 --> 01:01:02.039 Now. 1206 01:01:02.280 --> 01:01:05.199 Turrow is a peer to peer rental and I was 1207 01:01:05.280 --> 01:01:09.360 able to go online and you can get Oh my god, 1208 01:01:09.440 --> 01:01:12.440 they're so cost effective because people set their own rates. 1209 01:01:12.880 --> 01:01:16.320 They're good, honest people. In fact, Brian I called Brian 1210 01:01:16.320 --> 01:01:18.400 and said, Brian, I think I chipped the windshield. Well 1211 01:01:18.480 --> 01:01:21.239 my windshield coverage carryover and you said yes. And here's 1212 01:01:21.280 --> 01:01:23.840 what was great. I call the woman and say, I, 1213 01:01:24.199 --> 01:01:27.000 you know you can you can call Compass or excuse me, 1214 01:01:27.039 --> 01:01:29.320 I'm gonna use Compass for your winshield because that was 1215 01:01:29.400 --> 01:01:33.159 chipped before. I mean, come on, you know, it's just 1216 01:01:33.280 --> 01:01:35.559 such a wonderful thing, peer to peer kind of stuff, 1217 01:01:35.599 --> 01:01:38.199 you know. Anyway, I'm not saying everybody would be like that, 1218 01:01:38.360 --> 01:01:40.880 but she certainly was. So what I'm getting at is 1219 01:01:41.239 --> 01:01:44.239 and then there's always uber and lyft temporarily, so I 1220 01:01:44.320 --> 01:01:48.320 think there are ways if they were excluded from family vehicles. Nowadays, 1221 01:01:48.400 --> 01:01:53.000 more than ever, more than ever now to get rides right, 1222 01:01:53.159 --> 01:01:53.519 I mean. 1223 01:01:53.960 --> 01:01:57.519 Yeah, there's ways to do it. I just people think 1224 01:01:57.880 --> 01:01:59.760 that it's gonna save the money. And that's all I'm 1225 01:01:59.760 --> 01:02:02.480 telling you is that a very rarely if they're that young, 1226 01:02:02.719 --> 01:02:06.199 it's very rarely a better option to go to a 1227 01:02:06.280 --> 01:02:07.159 policy on their own. 1228 01:02:07.639 --> 01:02:11.079 Just I'd love to hear Fuller's thoughts on that though. Yeah, 1229 01:02:11.320 --> 01:02:13.320 and that's what we're gonna do, because you know what, 1230 01:02:14.400 --> 01:02:17.239 it's been long enough that we are super behind you. 1231 01:02:18.840 --> 01:02:21.679 Uh oh, let's take this break right now, right now, 1232 01:02:26.920 --> 01:02:30.159 go with a sure thing Denver's best roofer Excel Roofing 1233 01:02:30.280 --> 01:02:32.880 dot com. You don't pay a cent until you're content. 1234 01:02:36.280 --> 01:02:39.440 Time for an insurance checkup free, no obligation. In comparison, 1235 01:02:39.599 --> 01:02:43.159 call Compass Insurance paying too much your coverage at dozens 1236 01:02:43.159 --> 01:02:45.880 of insurance companies find out now three o three seven 1237 01:02:45.920 --> 01:02:48.239 to seven to one help. You'll think you're his only 1238 01:02:48.360 --> 01:02:50.760 customer when you choose Frank durand the real estate Man 1239 01:02:50.880 --> 01:02:54.280 dot com to list your home with Remax Alliance three 1240 01:02:54.360 --> 01:03:04.639 oh three nine two zero sixteen twenty two. Hi Tom Martino, 1241 01:03:04.719 --> 01:03:08.360 you're a troubleshooter three oh three seven one three talks 1242 01:03:08.400 --> 01:03:11.960 seven one three eight two five five. Okay, John Fuller. 1243 01:03:12.000 --> 01:03:13.280 By the way, we're trying to get a hold of 1244 01:03:13.400 --> 01:03:16.639 Fuller Law, and he this is the type of this 1245 01:03:16.800 --> 01:03:18.960 is why we love John and why you can call 1246 01:03:19.079 --> 01:03:21.159 him when you have a problem and he'll talk to 1247 01:03:21.199 --> 01:03:23.840 you about what your case is worth and what coverage 1248 01:03:23.960 --> 01:03:26.360 there is. I mean, he's an insurance expert to in 1249 01:03:26.440 --> 01:03:28.800 a way, I mean when it comes to collecting from 1250 01:03:28.840 --> 01:03:31.639 the other party. So I urge you we're trying to 1251 01:03:31.679 --> 01:03:34.280 get him on, but I urge you to always call 1252 01:03:34.400 --> 01:03:38.280 him with these questions about coverage and liability and excluding 1253 01:03:38.320 --> 01:03:40.360 young drivers. You don't have to call him just when 1254 01:03:40.360 --> 01:03:42.199 you have an accident, and of course you can always 1255 01:03:42.199 --> 01:03:44.960 call Compass as well. But John Fuller, especially if you 1256 01:03:45.039 --> 01:03:47.360 have an accident three oh three five nine seven forty 1257 01:03:47.360 --> 01:03:50.239 five hundred five nine seven four five zero zero, if 1258 01:03:50.280 --> 01:03:53.000 you're injured, he'll go after people to collect three oh 1259 01:03:53.039 --> 01:03:55.480 three five nine seven forty five hundred. Now let's talk 1260 01:03:55.559 --> 01:03:58.639 about I'm almost up against another break, but I want 1261 01:03:58.639 --> 01:04:00.559 to go over and I think this this show is 1262 01:04:00.599 --> 01:04:03.719 apropos for this, and of course your calls get priority 1263 01:04:03.960 --> 01:04:05.719 three oh three seven to one three. Talk if you 1264 01:04:05.760 --> 01:04:07.719 have a problem question or complaining three oh three seven, one, 1265 01:04:07.760 --> 01:04:10.559 three eight two, five to five. But truly, I believe 1266 01:04:10.599 --> 01:04:13.880 we need to go over actual coverages because as much 1267 01:04:13.920 --> 01:04:17.239 as I do this, people, honest to God, don't know 1268 01:04:17.400 --> 01:04:20.079 the actual coverages. So I want to start with the 1269 01:04:20.159 --> 01:04:24.519 basic and go to the more complicated. So with insurance, 1270 01:04:24.559 --> 01:04:28.719 there are many coverages, and I truly want you to 1271 01:04:28.840 --> 01:04:31.400 take notes, Honest to goodness, I want you to take notes, 1272 01:04:31.440 --> 01:04:33.519 no matter how smart you think you are, so you 1273 01:04:33.599 --> 01:04:37.880 can even help others. The very first insurance we must 1274 01:04:37.960 --> 01:04:39.760 talk about is liability. 1275 01:04:40.360 --> 01:04:40.679 Okay. 1276 01:04:41.440 --> 01:04:48.719 Now, in a nutshell, liability is for others that you damage. Brian, 1277 01:04:48.800 --> 01:04:51.079 do you want to expand on that. Let's just call 1278 01:04:51.159 --> 01:04:54.320 it what it is. Liability is the first primary coverage 1279 01:04:54.400 --> 01:04:57.119 required by law. Okay, go ahead, yep. 1280 01:04:57.159 --> 01:05:02.239 So yes, exactly. So liability is there to protect other people, 1281 01:05:02.400 --> 01:05:04.360 but in a sense, it's to protect yourself from the 1282 01:05:04.400 --> 01:05:07.280 standpoint of lawsuits, right, That's all I mean. Like, if 1283 01:05:07.440 --> 01:05:10.960 if you get into an accident and you injure somebody else, 1284 01:05:12.119 --> 01:05:15.679 that bodily injury liability is then. 1285 01:05:15.599 --> 01:05:17.480 And also the property damage as well. 1286 01:05:17.440 --> 01:05:20.360 That's separate. Property damage is to cover their property. 1287 01:05:20.440 --> 01:05:22.119 Yeah, but it's all under liability. 1288 01:05:22.480 --> 01:05:25.360 But they're separate limits. That's all I mean, I get out, okay, yep. 1289 01:05:25.480 --> 01:05:27.519 So when you're looking at your policy, you'll see a 1290 01:05:27.639 --> 01:05:30.920 number for bodily injury liability, which we'll have a number 1291 01:05:31.039 --> 01:05:34.679 like one hundred thousand per person, three hundred thousand per accident. 1292 01:05:34.760 --> 01:05:36.840 That's one hundred thousand per person you injure up to 1293 01:05:36.920 --> 01:05:39.960 three hundred thousand total in an accident. So you you 1294 01:05:40.039 --> 01:05:41.880 have four people in the car, the most is gonna 1295 01:05:41.880 --> 01:05:44.760 pays three hundred thousand in that sense. Then there's property 1296 01:05:44.840 --> 01:05:47.840 damaged liability, which is damage to someone else's property if 1297 01:05:47.840 --> 01:05:48.760 you hit someone's. 1298 01:05:48.519 --> 01:05:52.519 Car and you do you know, see that all under liability. 1299 01:05:52.599 --> 01:05:53.639 That's all liability. 1300 01:05:53.719 --> 01:05:56.800 Yeah. Now we're going to go over the other coverages, folks, 1301 01:05:56.880 --> 01:06:01.480 but please please, I know that everyone tends to think 1302 01:06:01.480 --> 01:06:04.039 they're a node at all, including me, But let's review. 1303 01:06:04.480 --> 01:06:07.199 This is so important. Three O three seven to one 1304 01:06:07.320 --> 01:06:14.039 three A two five five Go with a sure thing 1305 01:06:14.199 --> 01:06:17.480 Denver's Best Roofer Excel Roofing dot com. You don't pay 1306 01:06:17.519 --> 01:06:23.800 a cent until you're content. Time for an insurance checkup, 1307 01:06:23.920 --> 01:06:27.920 free no obligation comparison call Compass insurance, paying too much 1308 01:06:28.079 --> 01:06:31.000 your coverage at dozens of insurance companies. Find out now 1309 01:06:31.119 --> 01:06:33.360 three oh three seven to seven to one help You'll 1310 01:06:33.400 --> 01:06:36.159 think you're his only customer when you choose Frank durand 1311 01:06:36.159 --> 01:06:38.599 the real estate man dot com to list your home 1312 01:06:38.840 --> 01:06:41.960 with Remax Alliance three oh three nine two zero sixteen 1313 01:06:42.039 --> 01:06:48.239 twenty two now Impact Traffic. This report is sponsored by Verdict. 1314 01:06:48.400 --> 01:06:50.480 With Ted Cruz podcast, he. 1315 01:06:50.559 --> 01:06:53.119 Got a very light drive so far this morning leading 1316 01:06:53.199 --> 01:06:55.880 into the afternoon. It looks like wide open spaces really 1317 01:06:55.920 --> 01:06:58.239 for the most part, no problem spots. It's coming out 1318 01:06:58.280 --> 01:07:01.079 of the airport on Penya. Maybe just a little slow 1319 01:07:01.159 --> 01:07:03.760 coming back over towards Ice seventy north end. I twenty 1320 01:07:03.800 --> 01:07:06.519 five That Thornton push heading up towards the parkway has 1321 01:07:06.599 --> 01:07:09.440 been slightly sluggish for us, although I twenty five still 1322 01:07:09.480 --> 01:07:11.920 ten minutes between downtown and the Tech centercy Force seventy 1323 01:07:11.960 --> 01:07:14.119 is wide open through Highlands Ranch and along the foothills. 1324 01:07:14.320 --> 01:07:16.400 The other delay certainly is into the foothills though. 1325 01:07:16.440 --> 01:07:19.039 On that US six drivee Clair Creek Canyon west of 1326 01:07:19.119 --> 01:07:23.079 Golden with traffic, I'm Jonathan Steele, I'm Ben Ferguson. 1327 01:07:22.719 --> 01:07:24.480 And I'm Ted Cruz. How do we win? 1328 01:07:24.840 --> 01:07:28.039 How do we enact Trump's legislative agenda. There's a huge 1329 01:07:28.079 --> 01:07:30.360 debate right now in Congress over how to get it done. 1330 01:07:30.559 --> 01:07:32.920 I take you behind closed doors and explain it all. 1331 01:07:33.039 --> 01:07:35.239 Now a verdict with Ted Cruz. Now, wherever you get 1332 01:07:35.280 --> 01:07:42.599 your podcasts, you know, Vesta Turnkey is a program that 1333 01:07:42.719 --> 01:07:47.159 I believe in. Vestera Turnkey helps you become a landlord. 1334 01:07:47.960 --> 01:07:54.920 Vestera turn vision of Barry Miller, a legendary true and broker. 1335 01:07:55.000 --> 01:07:57.840 He's a wonderful real estate broker and he helps you 1336 01:07:57.920 --> 01:08:01.440 get involved in real estate to It's not a pooled investment, 1337 01:08:01.599 --> 01:08:05.360 meaning that you buy real estate under his direction in 1338 01:08:05.519 --> 01:08:09.519 markets that are promising and great appreciation. 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They can help you with the tax 1349 01:08:43.159 --> 01:08:45.159 benefits and telling you what you're going to get with 1350 01:08:45.279 --> 01:08:47.920 grants if you're a business to pay for sometimes all 1351 01:08:47.960 --> 01:08:50.680 of it. They're going to tell you how to net meter, 1352 01:08:50.840 --> 01:08:52.439 where you're going to sell back, and what you could 1353 01:08:52.439 --> 01:08:56.119 possibly make. They're also going to help and do the installation. 1354 01:08:57.279 --> 01:09:00.640 They will also do the service. They know it all. 1355 01:09:01.359 --> 01:09:05.479 They are great people redrosars dot com and they're here 1356 01:09:06.039 --> 01:09:09.000 to give you complete solar service. Three oh three seven 1357 01:09:09.119 --> 01:09:10.520 zero four two four four nine. 1358 01:09:12.560 --> 01:09:14.760 We're definitely going to be late to the concert. I 1359 01:09:14.800 --> 01:09:16.600 feel like we should be there by now. I'm just 1360 01:09:16.680 --> 01:09:18.039 taking a little detour. 1361 01:09:18.239 --> 01:09:19.560 I got to fill up my gas tank and I 1362 01:09:19.640 --> 01:09:21.399 know this place a couple times over where the gas 1363 01:09:21.479 --> 01:09:21.880 is cheaper. 1364 01:09:22.000 --> 01:09:23.640 Are you serious We're going to be late for the 1365 01:09:23.680 --> 01:09:26.279 concert because you're driving out of the way for cheaper gas. 1366 01:09:26.640 --> 01:09:29.880 Just use upside. What's upside Upside is the free cash 1367 01:09:30.000 --> 01:09:32.079 back app that gets you real cash back for every 1368 01:09:32.119 --> 01:09:33.039 gallon of gas you buy. 1369 01:09:33.199 --> 01:09:35.359 Wait, I can get cash back just for buying the 1370 01:09:35.439 --> 01:09:37.079 gas I need anyway, yes, I. 1371 01:09:37.159 --> 01:09:38.800 Use it all the time and I've made around two 1372 01:09:38.880 --> 01:09:41.119 hundred dollars. 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That's 1383 01:10:09.039 --> 01:10:10.239 code Oil twenty five. 1384 01:10:10.319 --> 01:10:13.680 New Year celebrations sale ever from zero res denver dot com. 1385 01:10:13.880 --> 01:10:17.600 Carpus area, rugs, tile, upholstery, any surface, even duck cleaning. 1386 01:10:17.840 --> 01:10:19.920 Zero resified with purified water. 1387 01:10:20.079 --> 01:10:23.439 I'm Tom Martino. Zero Res does my cleaning because I 1388 01:10:23.600 --> 01:10:25.800 believe in a healthy, clean, clean two rooms. 1389 01:10:25.840 --> 01:10:26.600 They'll do two. 1390 01:10:26.560 --> 01:10:31.000 Rooms free and seventy five dollars off. Duck cleaning alleviate ollogens, pathogens, 1391 01:10:31.039 --> 01:10:33.319 better indoor air quality three oh three four to seven 1392 01:10:33.359 --> 01:10:36.159 one fifty one fifty ask for the Khouse Special for 1393 01:10:36.439 --> 01:10:38.199 seven one fifty one fifty man. 1394 01:10:38.279 --> 01:10:40.319 I am happy to tell you about the only real 1395 01:10:40.399 --> 01:10:42.319 tour that made the cut for Team Dave Logan, and 1396 01:10:42.359 --> 01:10:45.039 that is Troy Hansford. I recommend Troy because he's the 1397 01:10:45.199 --> 01:10:47.680 only agent that will guarantee to sell your home at 1398 01:10:47.800 --> 01:10:50.000 your price or he'll write you a check for five 1399 01:10:50.079 --> 01:10:52.520 thousand dollars. In the Good News, he puts that in writing. 1400 01:10:52.600 --> 01:10:54.560 He can make that guarantee because he spends tens of 1401 01:10:54.640 --> 01:10:57.520 thousands of dollars generating demand, and right now he has 1402 01:10:57.720 --> 01:11:00.079 hundreds of approved home buyers ready to buy. You just 1403 01:11:00.119 --> 01:11:01.800 didn't have enough houses. So if you have a house, 1404 01:11:01.880 --> 01:11:04.399 Troy might have that perfect buyer for you right now. 1405 01:11:04.520 --> 01:11:06.920 Give him a call. Seven two zero nine hundred four 1406 01:11:07.039 --> 01:11:08.880 four to three three. Let me give you a story. 1407 01:11:09.000 --> 01:11:10.840 Just last week, Troy listed a house that was on 1408 01:11:10.960 --> 01:11:13.000 the market for almost a month. You know what, Troy 1409 01:11:13.079 --> 01:11:15.359 sold it for full price in less than a week. 1410 01:11:15.479 --> 01:11:17.800 And if for any reason you need to sell right away, 1411 01:11:18.000 --> 01:11:20.800 Troy will buy your house for all cash and he 1412 01:11:20.880 --> 01:11:23.520 can close in as little as seven days. Call Troy 1413 01:11:23.640 --> 01:11:25.880 and get your home sold for the most money. Seven 1414 01:11:25.960 --> 01:11:28.800 two zero nine hundred four to four three three. Again, 1415 01:11:28.840 --> 01:11:31.279 that's seven two oh nine hundred forty four to thirty three. 1416 01:11:31.479 --> 01:11:35.159 Troy Hansford with Remax Professionals, a Colorado licensed broker. Some 1417 01:11:35.359 --> 01:11:36.399 restrictions appla. 1418 01:11:36.239 --> 01:11:39.039 Easy cat It's all the food for your workplace, all 1419 01:11:39.119 --> 01:11:42.640 in one place. 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Message 1429 01:12:11.680 --> 01:12:12.319 and dat ates may apply. 1430 01:12:12.399 --> 01:12:15.159 Replacedop to opt out attention anyone who used depo Provera 1431 01:12:15.359 --> 01:12:17.680 or other prescription birth control shots. If you are a 1432 01:12:17.720 --> 01:12:20.479 loved one used depo Provera and were later diagnosed with 1433 01:12:20.560 --> 01:12:23.319 brain tumors or intracranialmen in gioma, you may be entitled 1434 01:12:23.359 --> 01:12:26.239 to significant TASH compensation. Text Legal to two hundred three 1435 01:12:26.279 --> 01:12:28.319 hundred right now to see if you qualify. A new 1436 01:12:28.399 --> 01:12:31.560 study has uncovered evidence linking depoprevera use to the development 1437 01:12:31.600 --> 01:12:34.319 of brain tumors, and emerging lawsuits allege that manufacturers of 1438 01:12:34.359 --> 01:12:36.760 depo Pervera knew the risks for decades but failed to 1439 01:12:36.760 --> 01:12:38.479 warn people of the potential harm. If you are a 1440 01:12:38.520 --> 01:12:41.520 loved one used depo Provera or other prescription birth control 1441 01:12:41.600 --> 01:12:45.640 shots and were later diagnosed with brain tumors or intercranial meningioma, 1442 01:12:45.800 --> 01:12:48.680 you may be entitled to significant TASH compensation. Text Legal 1443 01:12:48.720 --> 01:12:50.600 to two hundred three hundred. Don't wait. Time to file 1444 01:12:50.600 --> 01:12:52.600 a claim is limited. Text the word legal to two 1445 01:12:52.680 --> 01:12:54.479 hundred three hundred. If you are a loved one developed 1446 01:12:54.479 --> 01:12:57.039 brain tumors after using depo provera, you may be entitled 1447 01:12:57.079 --> 01:12:59.880 to significant cash compensation. Text legal to two hundred three 1448 01:13:00.359 --> 01:13:02.479 that's legal to two hundred three hundred, Legal to two 1449 01:13:02.520 --> 01:13:03.199 hundred three hundred. 1450 01:13:03.239 --> 01:13:05.479 I Love It joined the millions already on the new 1451 01:13:05.520 --> 01:13:08.119 and improved iHeartRadio app. It's so easy to use the 1452 01:13:08.239 --> 01:13:12.239 live radio dial presets, scams, plus lyrics, podcasts in your 1453 01:13:12.279 --> 01:13:15.239 favorite artists radio popping in and there it is. Now 1454 01:13:15.359 --> 01:13:17.800 it's even easier to discover what you love. 1455 01:13:17.960 --> 01:13:18.880 I love my preset. 1456 01:13:18.960 --> 01:13:20.239 Adding presets is so much fun. 1457 01:13:20.319 --> 01:13:22.560 This looks really nice, just in time for the new year. 1458 01:13:22.760 --> 01:13:25.399 The new and improved iHeart Radio app. It's everything you 1459 01:13:25.520 --> 01:13:27.880 love about your car radio and the palm of your hands. 1460 01:13:28.119 --> 01:13:29.760 Very cool update five stars. 1461 01:13:29.840 --> 01:13:36.479 Guys Denver's talkstation online at khoal dot com. 1462 01:13:41.159 --> 01:13:46.319 Hi, Tom Martino, your troubleshooter three zero three seven one 1463 01:13:46.399 --> 01:13:50.279 three talk seven one three eight two five five. Riza, 1464 01:13:50.720 --> 01:13:53.079 what's happening with you? Ritza? What's going on? We're gonna 1465 01:13:53.079 --> 01:13:56.119 go over insurance coverage in the next hour. Go ahead, Riza. 1466 01:13:57.600 --> 01:14:02.479 Okay, I'm my name is and I'm calling for my 1467 01:14:02.640 --> 01:14:10.000 daughter really because she lives in Frederick, Oh, Colorado, that's 1468 01:14:10.239 --> 01:14:10.800 just north. 1469 01:14:10.960 --> 01:14:18.920 Okay, go ahead and see what's going on? Yeah, go ahead. 1470 01:14:19.079 --> 01:14:19.279 Huh. 1471 01:14:20.479 --> 01:14:24.000 And it just seems that nothing in the house works. 1472 01:14:24.479 --> 01:14:30.960 And now she ended up with no no, no heating. 1473 01:14:31.520 --> 01:14:35.359 And when did she buy it? Reesa, let me ask 1474 01:14:35.399 --> 01:14:37.199 you a few questions. When did she buy the house. 1475 01:14:38.399 --> 01:14:38.960 She bought it. 1476 01:14:39.119 --> 01:14:43.560 I think she moved in. And the last the last 1477 01:14:43.680 --> 01:14:46.800 year in the beginning, like. 1478 01:14:46.920 --> 01:14:48.920 In January February of last year. 1479 01:14:51.119 --> 01:14:52.720 Could could have been. I don't know. 1480 01:14:52.960 --> 01:14:57.439 I okay, in her Okay, that's fine. In early early 1481 01:14:57.600 --> 01:15:01.960 twenty twenty three for twenty twenty f I'm sorry, and okay, 1482 01:15:02.119 --> 01:15:04.560 hold on, We're gonna come back to you. Hang on, 1483 01:15:04.680 --> 01:15:06.880 We'll come back to you and see what the issues are. Okay. 1484 01:15:07.680 --> 01:15:10.199 I will ask some questions and we'll see what we 1485 01:15:10.319 --> 01:15:13.119 can do for you. I'm Tom Martine. We have more 1486 01:15:13.199 --> 01:15:16.680 coming up on The Troubleshooter Show three O three one 1487 01:15:16.800 --> 01:15:25.279 three top seven one three eight, two five five. Go 1488 01:15:25.479 --> 01:15:29.039 with a sure thing Denver's Best roofer Excel Roofing dot com. 1489 01:15:29.239 --> 01:15:34.920 You don't pay a cent until you're contenth time for 1490 01:15:35.000 --> 01:15:38.159 an insurance check up free, no obligation. In comparison, call 1491 01:15:38.279 --> 01:15:41.560 Compass Insurance paying too much your coverage at dozens of 1492 01:15:41.640 --> 01:15:44.279 insurance companies find out now three oh three, seven to 1493 01:15:44.359 --> 01:15:47.119 seven to one help. You'll think you're his only customer 1494 01:15:47.199 --> 01:15:49.359 when you choose Frank durand the real estate Man dot 1495 01:15:49.479 --> 01:15:52.760 com to list your home with Remax Alliance three oh 1496 01:15:52.840 --> 01:15:54.920 three nine two zero sixteen twenty two. 1497 01:16:00.399 --> 01:16:00.920 Rip of. 1498 01:16:02.680 --> 01:16:05.640 News needed by who you don't have? 1499 01:16:07.920 --> 01:16:10.319 Come running just as fast as we can. 1500 01:16:11.600 --> 01:16:13.720 Shooter's gonna help coming. 1501 01:16:14.159 --> 01:16:21.399 Man six is the Troubleshooter Show. No Tom Martino, Hello. 1502 01:16:21.560 --> 01:16:23.920 Peeps, Tom Martino here, Welcome to the show. 1503 01:16:24.439 --> 01:16:25.520 Fighting for you. 1504 01:16:26.600 --> 01:16:28.880 Yes, we'll do anything we can to fight for you 1505 01:16:29.000 --> 01:16:30.720 to make your life a little easier. That has what 1506 01:16:31.000 --> 01:16:33.720 that's really It's truly what I've dedicated my life to 1507 01:16:33.880 --> 01:16:36.479 because I believe when you're in the service of others, 1508 01:16:37.119 --> 01:16:43.640 you have priority for the best, the best of everything. 1509 01:16:43.800 --> 01:16:46.640 So what I want to do is help reson. I 1510 01:16:46.720 --> 01:16:48.239 want to help you. Give us call three oh three 1511 01:16:48.279 --> 01:16:50.479 Martino twenty four seven three oh three six two seven 1512 01:16:50.479 --> 01:16:52.720 eight four sixty six. Brian Burns is with me from 1513 01:16:52.760 --> 01:16:55.279 Compass Insurance. We'll get to him. We've been going over 1514 01:16:55.479 --> 01:16:58.600 basic insurance coverage and what it means, and I really 1515 01:16:58.680 --> 01:17:00.760 believe a lot of people, you know, we all think 1516 01:17:00.840 --> 01:17:03.399 we know, but let's recap. It's really good to recap 1517 01:17:03.520 --> 01:17:07.680 this and we will do that. Okay, So back to Riza, 1518 01:17:08.039 --> 01:17:10.520 then to insurance summaries, and then give me a call 1519 01:17:10.600 --> 01:17:13.359 with any new problems. Question your complains, your calls take priority. 1520 01:17:13.720 --> 01:17:15.960 This hour brought to you by waterpros dot net, the 1521 01:17:16.079 --> 01:17:19.760 best water systems, the lowest prices. And I really mean that. 1522 01:17:20.359 --> 01:17:22.560 I really mean that. Three zero three eight six two 1523 01:17:22.640 --> 01:17:25.399 five five five four And Frank durand the real estate 1524 01:17:25.479 --> 01:17:27.560 man will give you an analysis of your property on 1525 01:17:27.680 --> 01:17:30.680 what it will sell for. Frank is truly a good man. 1526 01:17:31.239 --> 01:17:35.119 I really only associate with good vivo okay because I 1527 01:17:35.239 --> 01:17:37.479 want them to rub off on me. Frank Duran will 1528 01:17:37.520 --> 01:17:39.239 come in and do a complete analysis of what your 1529 01:17:39.239 --> 01:17:41.720 house will sell for. Three oh three nine two zero 1530 01:17:41.840 --> 01:17:45.800 sixteen twenty two. Riza, I'm gonna ask you questions to 1531 01:17:45.880 --> 01:17:49.520 relieve your burden. Right here. You your daughter bought a 1532 01:17:49.600 --> 01:17:53.720 house in Frederick early twenty twenty four, and you say 1533 01:17:53.800 --> 01:17:55.520 some things are going wrong. I need to ask some 1534 01:17:55.720 --> 01:17:56.800 very simple questions. 1535 01:17:57.560 --> 01:17:59.319 Was this a was this a. 1536 01:18:00.840 --> 01:18:02.279 Uh used or new house? 1537 01:18:03.520 --> 01:18:05.199 This is a brand new house. 1538 01:18:06.079 --> 01:18:09.800 Okay, a brand new so a home builder. She bought 1539 01:18:09.840 --> 01:18:11.439 it from a home builder? Is that right? 1540 01:18:12.840 --> 01:18:13.000 Oh? 1541 01:18:13.640 --> 01:18:15.520 I would think so about it. I think it is 1542 01:18:15.600 --> 01:18:17.479 a big company from Dexter. 1543 01:18:17.960 --> 01:18:24.239 Okay, okay. Now l G I l G I okay, Okay. 1544 01:18:25.239 --> 01:18:27.680 Now what is what is wrong? 1545 01:18:29.479 --> 01:18:33.399 Well, it seems like everything is wrong. But at the moment, 1546 01:18:34.079 --> 01:18:36.479 at the moment, he called me yesterday and said that 1547 01:18:36.640 --> 01:18:40.359 electricity is turned off and they will not turn it on, 1548 01:18:41.119 --> 01:18:45.520 not because she hasn't paid, but because they have a 1549 01:18:45.640 --> 01:18:52.000 wrong kind of those panels where the electricity is a 1550 01:18:52.399 --> 01:18:53.079 house you know? 1551 01:18:54.079 --> 01:18:56.880 Yes, uh huh the circuit the big circuit panel. 1552 01:18:56.960 --> 01:18:58.319 Yeah, yeah, circuit yes. 1553 01:18:59.119 --> 01:19:02.279 And now who said they won't turn it on? Is 1554 01:19:02.359 --> 01:19:05.279 it the Reesa? Is it the power company that won't 1555 01:19:05.319 --> 01:19:06.199 turn yes? 1556 01:19:06.680 --> 01:19:06.880 Yes? 1557 01:19:07.920 --> 01:19:09.960 Was it on when she first moved in and then 1558 01:19:10.000 --> 01:19:10.800 they turned it off? 1559 01:19:12.279 --> 01:19:15.039 Oh? She has Yeah, she hasn't had on. 1560 01:19:16.520 --> 01:19:20.600 And I am I am When when was it turned Reesa? When? 1561 01:19:20.680 --> 01:19:23.079 What Esa? 1562 01:19:23.640 --> 01:19:24.640 When was it turned off? 1563 01:19:24.720 --> 01:19:24.880 There? 1564 01:19:25.239 --> 01:19:26.279 When was it turned off? 1565 01:19:26.960 --> 01:19:29.880 Well, she called me yesterday, so I think it just 1566 01:19:30.039 --> 01:19:31.760 happened yesterday or day before. 1567 01:19:31.840 --> 01:19:34.560 Do you think do you think we can call your 1568 01:19:34.640 --> 01:19:36.000 daughter and talk to her directly? 1569 01:19:37.479 --> 01:19:39.399 Well, certainly yes. 1570 01:19:40.960 --> 01:19:42.039 Do you think she'll talk to us? 1571 01:19:43.359 --> 01:19:46.359 Oh, I'm sure she might be it. 1572 01:19:46.800 --> 01:19:48.560 Don't give me the number on the phone. Put her 1573 01:19:48.600 --> 01:19:51.560 on hold, please, Risa. I want you to give the 1574 01:19:51.680 --> 01:19:56.079 number to our producer here Katschina, and then we're going 1575 01:19:56.199 --> 01:19:58.840 to get your daughter on the phone, and then we're 1576 01:19:58.840 --> 01:20:00.640 going to get this to somebody who can get through 1577 01:20:00.680 --> 01:20:02.000 the bottom of this and help. 1578 01:20:02.479 --> 01:20:05.880 I think Tom I saw something in the in the call, 1579 01:20:05.960 --> 01:20:09.000 screener notes she's actually called Riza actually called about an 1580 01:20:09.039 --> 01:20:11.680 issue with a mortgage, and she hasn't gotten to that 1581 01:20:11.800 --> 01:20:14.279 part yet. That sounds like a lot more serious than 1582 01:20:15.039 --> 01:20:16.439 anything she's discussed so far. 1583 01:20:18.199 --> 01:20:18.319 Esa. 1584 01:20:18.439 --> 01:20:20.000 Was there a problem with a mortgage or is that 1585 01:20:20.079 --> 01:20:20.800 a mistake. 1586 01:20:20.520 --> 01:20:24.560 On it she's currently talking with Kel's okay, yeah, well 1587 01:20:24.600 --> 01:20:25.359 we'll go back to that. 1588 01:20:25.479 --> 01:20:27.840 And I see, you know, the wrong electrical panel and 1589 01:20:27.920 --> 01:20:31.600 a brand new track on that seems almost impossible, unless 1590 01:20:31.640 --> 01:20:33.159 if the entire block has. 1591 01:20:33.079 --> 01:20:40.319 The wrong one. Yeah, you know, I mean, how serious? 1592 01:20:40.359 --> 01:20:45.479 Who knows even possible? I don't know. I honestly I 1593 01:20:46.359 --> 01:20:48.439 don't know. That's why, you know, That's why I want 1594 01:20:48.479 --> 01:20:51.119 to talk to the daughter who actually lives there, because 1595 01:20:51.760 --> 01:20:54.039 you know, Riza is a love sounds like a lovely woman. 1596 01:20:54.119 --> 01:20:57.239 I'm not sure she's getting it all straight anyway. Three 1597 01:20:57.319 --> 01:21:00.520 ZHO three seven one three talk three D three seven 1598 01:21:00.600 --> 01:21:07.199 one three eight two five five. So let's uh, let's 1599 01:21:07.279 --> 01:21:10.760 continue here with our coverages. So we were talking about 1600 01:21:10.800 --> 01:21:14.319 insurance coverages and what you need to know. Liability covers 1601 01:21:14.399 --> 01:21:20.119 others you injure and damage, so bodily injury and property damage. 1602 01:21:20.279 --> 01:21:23.119 That's basically the two different types of liability. They're all 1603 01:21:23.159 --> 01:21:27.880 into one liability policy. Okay, now that's one coverage, one 1604 01:21:27.920 --> 01:21:31.039 of the basic coverages. So now and I want you 1605 01:21:31.119 --> 01:21:32.920 to take notes again. I know we all think we 1606 01:21:33.000 --> 01:21:36.159 know everything, including me and Mark and everyone else, but 1607 01:21:36.319 --> 01:21:38.840 let's just have this available to us and I'm gonna 1608 01:21:39.039 --> 01:21:40.800 put it up in a way that we can all share. 1609 01:21:41.279 --> 01:21:47.000 So liability coverage, then we have an additional liability. Let's 1610 01:21:47.039 --> 01:21:53.880 go to the next thing. Let's talk about commands. Yeah, 1611 01:21:54.119 --> 01:21:59.359 that's good, Mark. Comprehensive comprehensive coverage. Yeah, what is comp 1612 01:21:59.560 --> 01:22:00.880 we always your comp What. 1613 01:22:01.039 --> 01:22:06.399 Is comp comprehensive is the coverage for damage other than collision. 1614 01:22:06.760 --> 01:22:11.439 So that would be uh, you know, a hailstorm, it 1615 01:22:11.479 --> 01:22:15.239 would be a car is stolen, So it's it protects 1616 01:22:15.279 --> 01:22:20.479 your car, It protects your vehicle. That's part of physical damage. 1617 01:22:20.560 --> 01:22:24.159 So you know, to simplify this on an auto policy, 1618 01:22:24.239 --> 01:22:27.399 there's coverage for other people, there's coverage for your vehicle. 1619 01:22:28.119 --> 01:22:29.279 There's coverage for yourself. 1620 01:22:29.399 --> 01:22:34.600 Okay, But now with comprehensive protects your vehicle from damage 1621 01:22:34.680 --> 01:22:37.920 other than collision exactly. Now let's talk about what is 1622 01:22:38.039 --> 01:22:40.119 damage other than collision, So. 1623 01:22:40.359 --> 01:22:44.520 That would be examples, would be fire, it would be hail, 1624 01:22:45.159 --> 01:22:49.119 it would be theft, and as bizarre as this might see, 1625 01:22:49.119 --> 01:22:53.760 and it's also animal collisions that's still considered a comprehensive claim. 1626 01:22:53.840 --> 01:22:56.359 If you hit an animal, even still you're colliding with it, 1627 01:22:56.760 --> 01:23:01.000 it's not considered collision. It's considered comprehensive because it's it's 1628 01:23:01.039 --> 01:23:02.520 a you know, theft. 1629 01:23:04.279 --> 01:23:05.319 With your car stolen. 1630 01:23:05.680 --> 01:23:07.640 Yep, if your car stolen, that's comprehensive. 1631 01:23:08.279 --> 01:23:10.920 Fire got it, flood got it. 1632 01:23:11.119 --> 01:23:14.960 Those are all examples of comprehensive loosses. 1633 01:23:15.079 --> 01:23:19.279 So we have liability, then we have comprehensive. Now let's 1634 01:23:19.359 --> 01:23:26.479 talk about collision coverage. And again everything after liability is optional. 1635 01:23:27.399 --> 01:23:33.079 Comprehensive is optional. Collision, I mean, mark is an optional, 1636 01:23:33.159 --> 01:23:37.039 but I guess it is. Yeah, so we're not even 1637 01:23:37.279 --> 01:23:39.840 there yet though, Mark. But but let's and and maybe 1638 01:23:39.920 --> 01:23:41.479 we should be. You know, I'm not taking this in 1639 01:23:41.520 --> 01:23:43.920 any particular order, but let's just talk about collisions since 1640 01:23:43.960 --> 01:23:48.239 I mentioned it, So collision and that's that's no matter 1641 01:23:48.319 --> 01:23:52.159 whose fault it is, right, collision, collision covers your car 1642 01:23:52.640 --> 01:23:53.760 or your vehicle yep? 1643 01:23:53.880 --> 01:23:56.359 Oh for what for any kind of damage? 1644 01:23:56.920 --> 01:23:57.000 Uh? 1645 01:23:57.359 --> 01:24:00.439 That involves the collision. So if another car hit if 1646 01:24:00.479 --> 01:24:03.239 you hit another car, it's not about covering their car. 1647 01:24:03.359 --> 01:24:05.680 This we're talking about your vehicle. 1648 01:24:05.680 --> 01:24:07.079 Okay, regardless of fault. 1649 01:24:07.239 --> 01:24:10.000 Regardless of fault, the collision will always pay for damage 1650 01:24:10.119 --> 01:24:11.520 of your vehicle. 1651 01:24:11.960 --> 01:24:18.800 Now, liability has no deductible, comprehensive, doesn't have a deductible. 1652 01:24:19.000 --> 01:24:22.319 It does whatever you have selected. And just for clarification 1653 01:24:22.439 --> 01:24:25.159 on that, a lot of policies don't even say comprehensive. 1654 01:24:25.239 --> 01:24:28.479 They say other than collision. So you'll see that those 1655 01:24:28.520 --> 01:24:29.359 are synonymous. 1656 01:24:29.560 --> 01:24:34.600 Okay, and collision subject to deductible yep. Okay, So we 1657 01:24:34.880 --> 01:24:41.079 have liability comprehensive or other than collision, we have collision 1658 01:24:41.199 --> 01:24:42.119 with a deductible. 1659 01:24:42.560 --> 01:24:43.039 And then. 1660 01:24:44.760 --> 01:24:50.319 Let's talk about now what Mark was talking about for ourselves. First, 1661 01:24:50.520 --> 01:24:52.279 medpay let's talk about that. 1662 01:24:52.439 --> 01:24:52.880 What is that? 1663 01:24:53.479 --> 01:24:57.239 So medical payments is a no fault type coverage, so 1664 01:24:57.479 --> 01:24:59.760 it will pay regardless whether you're at fault or someone 1665 01:24:59.800 --> 01:25:02.079 else is a fault, and it's damage. 1666 01:25:01.760 --> 01:25:05.000 For you injuries for you and your passengers or just you. 1667 01:25:05.239 --> 01:25:09.079 Yeah, it's it's per person. When you see the amount 1668 01:25:09.279 --> 01:25:12.319 on your declaration page, that's an amount per person. 1669 01:25:13.560 --> 01:25:18.319 You and your passengers for medical medical bills. 1670 01:25:18.840 --> 01:25:22.479 Yeah, for any kind of damage to you. Here's the problem, what. 1671 01:25:22.520 --> 01:25:23.760 Do you mean any kind of damage? 1672 01:25:23.960 --> 01:25:26.880 So, I mean if you're injured, you can go to 1673 01:25:27.000 --> 01:25:27.880 your medical payments. 1674 01:25:27.920 --> 01:25:29.920 The thing is, but you don't just get money. It's 1675 01:25:30.000 --> 01:25:31.560 for bills, right, well. 1676 01:25:31.800 --> 01:25:34.439 It could be for your deductibles, it could be for 1677 01:25:34.760 --> 01:25:37.199 a lot of different things. Here's the problem with medical 1678 01:25:37.279 --> 01:25:42.199 payments is that it's it's kind of an open cash bag, 1679 01:25:42.359 --> 01:25:44.840 so everybody goes after it. So when you go to 1680 01:25:44.920 --> 01:25:46.920 the doctor's office, they're always going to ask you, is 1681 01:25:46.960 --> 01:25:49.319 this a result of an auto accident? That's because they 1682 01:25:49.319 --> 01:25:51.479 want to get to that medical payments. They see that 1683 01:25:51.640 --> 01:25:54.840 they're ambulance right, first thing they're going to try to 1684 01:25:54.880 --> 01:25:57.039 do is try to collect from the medical payments first. 1685 01:25:57.199 --> 01:26:00.920 So it has happened, and I I think Mark knows 1686 01:26:00.960 --> 01:26:04.640 this as well. It can very easily get exhausted from 1687 01:26:04.680 --> 01:26:07.960 other people if they know you haven't. So if you're 1688 01:26:08.039 --> 01:26:10.960 wanting it for yourself to pay for deductibles to pay 1689 01:26:11.000 --> 01:26:15.319 for for other expenses revolving around your medical bills. Then 1690 01:26:15.640 --> 01:26:17.439 you have to go to it quick because it will 1691 01:26:17.520 --> 01:26:19.640 get exhausted. That you know, because a lot of people 1692 01:26:19.720 --> 01:26:21.560 only have five thousand or you can. 1693 01:26:21.880 --> 01:26:24.560 A lot of companies think both its subject to a deductible. 1694 01:26:24.720 --> 01:26:25.720 It is no deductible. 1695 01:26:25.880 --> 01:26:28.640 Non't care no, Now, I wouldn't give the information to 1696 01:26:28.760 --> 01:26:31.439 an er or anything. I mean, I just simply want 1697 01:26:31.479 --> 01:26:35.079 to give your insurance information. You hire an attorney and 1698 01:26:35.199 --> 01:26:37.680 let them deal with the medpay and where it gets applied. 1699 01:26:39.079 --> 01:26:42.680 Okay, folks, we have more coming up on the Troubleshooter Show. 1700 01:26:42.760 --> 01:26:53.000 Stick around, Go with a sure thing Denver's Best Roofer 1701 01:26:53.199 --> 01:26:56.079 Excel Roofing dot com. You don't pay a cent until 1702 01:26:56.119 --> 01:27:02.560 you're content. Time for an insurance check up free, no obligation. 1703 01:27:02.640 --> 01:27:06.439 In comparison, call Compass Insurance paying too much your coverage 1704 01:27:06.479 --> 01:27:09.079 at dozens of insurance companies find out now three O 1705 01:27:09.199 --> 01:27:11.640 three seven seven to one help. You'll think you're his 1706 01:27:11.840 --> 01:27:14.399 only customer when you choose Frank durand the real estate 1707 01:27:14.479 --> 01:27:17.720 Man dot com to list your home with Remax Alliance 1708 01:27:18.000 --> 01:27:26.560 three oh three nine two zero sixteen twenty two. Okay, 1709 01:27:27.680 --> 01:27:32.000 Hi Tom Martine, your troubleshooter. Let's go to the phones. 1710 01:27:32.039 --> 01:27:35.359 Phones take priority. Oscar has a question for Brian Burns 1711 01:27:35.399 --> 01:27:41.920 from Compass Insurance, and I'll bring up Brian. Yes, sir, yes, sir, 1712 01:27:42.000 --> 01:27:44.039 I can hear you. Go ahead, sir. 1713 01:27:46.640 --> 01:27:49.800 H this is a tomp question. 1714 01:27:52.000 --> 01:27:56.680 I had a dent on my Uh why backbenders? You 1715 01:27:56.760 --> 01:27:58.600 can imagine a softball. 1716 01:28:00.159 --> 01:28:04.000 That's what it looks like now and how did it happen? 1717 01:28:04.199 --> 01:28:06.039 Did you say how did it happen? 1718 01:28:06.239 --> 01:28:08.920 I have I have no idea. 1719 01:28:11.079 --> 01:28:13.000 And wait, wait when did you notice it? 1720 01:28:13.079 --> 01:28:13.159 Bro? 1721 01:28:16.479 --> 01:28:20.159 Probably three weeks ago. I always drive. 1722 01:28:20.239 --> 01:28:21.079 I just noticed it. 1723 01:28:22.520 --> 01:28:26.000 Yeah, I always ride my every two weeks. 1724 01:28:30.520 --> 01:28:33.279 Well, well, what are you asking, though? What's the question? 1725 01:28:33.439 --> 01:28:35.399 I guess I don't know what the question is? 1726 01:28:36.640 --> 01:28:42.680 Well, would the would my insurance pause or no? It 1727 01:28:42.760 --> 01:28:43.800 is on my own pocket. 1728 01:28:43.960 --> 01:28:49.680 I have no idea, So first and foremost my thought 1729 01:28:49.760 --> 01:28:53.680 would be your insurance company probably will. We'll say that's 1730 01:28:53.720 --> 01:28:57.000 a collision claim, not a comprehensive unless you, you know, 1731 01:28:57.159 --> 01:28:59.840 had some form of proof that it was a softball 1732 01:29:00.159 --> 01:29:02.520 hit it. Otherwise they're going to think something collided with 1733 01:29:02.600 --> 01:29:04.920 another car, hit it and took off or something like that. 1734 01:29:06.880 --> 01:29:09.880 So do you have collision? Do you have collision coverage? 1735 01:29:10.479 --> 01:29:11.399 I have? 1736 01:29:11.760 --> 01:29:12.800 I have full coverage. 1737 01:29:14.239 --> 01:29:17.119 Okay, So you would be subject to your deductible. If 1738 01:29:17.159 --> 01:29:19.840 it's a small dent to the bumper, I would I 1739 01:29:19.880 --> 01:29:22.079 would say, there's no way it's going to be worth 1740 01:29:22.199 --> 01:29:29.520 making a claim, Okay, okay, because if it's a collision claim, 1741 01:29:29.560 --> 01:29:32.680 it's surchargeable, So there'd be no reason even if it 1742 01:29:32.840 --> 01:29:36.279 was in excess of of your deductible, it's not going 1743 01:29:36.359 --> 01:29:38.560 to be a whole lot more than your deductible, and 1744 01:29:38.720 --> 01:29:41.479 so then I wouldn't make a claim for that small amount. 1745 01:29:43.079 --> 01:29:46.720 Okay, Okay, Well thanks many. 1746 01:29:47.439 --> 01:29:51.119 If you get a deer, that's comprehensive. 1747 01:29:51.520 --> 01:29:55.000 Yeah, okay, isn't that strange because you're colliding with a deer. 1748 01:29:56.279 --> 01:30:01.319 I know, it's the one area of comprehensive that maybe 1749 01:30:01.359 --> 01:30:05.000 doesn't make as much sense because it's, uh, you know, 1750 01:30:05.600 --> 01:30:08.560 it is a collision in a sense. But but animals 1751 01:30:08.640 --> 01:30:10.000 are considered comprehensive. 1752 01:30:12.560 --> 01:30:22.079 Okay, Now what about some other coverages we have liability comprehensive, 1753 01:30:22.720 --> 01:30:27.520 we have collision, we have Now let's talk about this 1754 01:30:27.720 --> 01:30:34.159 is the most misunderstood, uninsured and underinsured. Now what is 1755 01:30:34.239 --> 01:30:37.399 the what is the anacronym for that? You M and 1756 01:30:37.680 --> 01:30:42.359 U I am you M slash u I M okay, 1757 01:30:43.680 --> 01:30:45.920 and it's underinsured uninsured yep. 1758 01:30:46.800 --> 01:30:49.680 And that is to protect people, well. 1759 01:30:49.600 --> 01:30:52.239 Which one is underinsured and which one is uninsured? 1760 01:30:52.439 --> 01:30:56.279 Are you am as uninsured motorists? Okay, go ahead, and 1761 01:30:56.359 --> 01:30:58.119 then you I am is under insured. 1762 01:30:58.800 --> 01:31:00.880 Now let's talk about it. Yep. 1763 01:31:01.840 --> 01:31:04.000 So that again is going to be coveraged for you 1764 01:31:04.479 --> 01:31:05.680 and people in your vehicle. 1765 01:31:05.920 --> 01:31:06.159 Kind of. 1766 01:31:06.239 --> 01:31:09.800 It's similar to medical payments. The difference here is that 1767 01:31:10.079 --> 01:31:14.720 it's only applicable if whoever hits you is uninsured or 1768 01:31:15.319 --> 01:31:16.479 under insured. 1769 01:31:16.399 --> 01:31:20.239 So it covers damages, covers not damages, but pain and 1770 01:31:20.319 --> 01:31:21.000 suffering only. 1771 01:31:21.119 --> 01:31:27.319 Yeah, pain and suffering, loss of work, paintuff, Yeah, totally, yeah, 1772 01:31:27.560 --> 01:31:30.039 that that's all that it's it's therefore, it's not really 1773 01:31:30.079 --> 01:31:33.720 there to cover your medical bills, although they could certainly 1774 01:31:33.800 --> 01:31:37.399 try to lump that in there, so it could be 1775 01:31:37.479 --> 01:31:39.479 part of it, but most people have health insurance, so 1776 01:31:40.239 --> 01:31:44.920 it's it's more about here's the thing. Very rarely do 1777 01:31:45.039 --> 01:31:48.680 you see uninsured motorist claims or not everyday type claims, 1778 01:31:49.079 --> 01:31:52.279 But when you see them, they're big. They're almost always 1779 01:31:52.680 --> 01:31:57.800 very large claims because you know it's going to pay 1780 01:31:57.880 --> 01:31:58.760 for a lot of damage. 1781 01:32:00.800 --> 01:32:05.840 Okay, So what we're saying is basically it's for you, 1782 01:32:06.520 --> 01:32:10.000 and you'd be silly, silly not to have this coverage. 1783 01:32:10.319 --> 01:32:13.000 Explain some of that, Explain how you use it. 1784 01:32:13.319 --> 01:32:16.840 So if in Colorado there is a large portion of 1785 01:32:16.880 --> 01:32:20.960 people that are uninsured to begin with, and even another 1786 01:32:21.439 --> 01:32:24.319 large percentage that have the state minimum, which is that 1787 01:32:24.479 --> 01:32:28.560 twenty five thousand dollars. So if someone hits you that's 1788 01:32:28.640 --> 01:32:31.840 uninsured or underinsured and you're injured, let's say you can't 1789 01:32:31.880 --> 01:32:35.159 work anymore, you're in a hospital bed for the next 1790 01:32:35.239 --> 01:32:38.800 six months, if they only have twenty five thousand dollars 1791 01:32:38.840 --> 01:32:41.199 of coverage or no coverage at all, what are you 1792 01:32:41.319 --> 01:32:43.720 going to do? Where are you going to go for that? Well, 1793 01:32:43.800 --> 01:32:46.359 in this case, that's where uninsured motors comes in. Your 1794 01:32:46.439 --> 01:32:50.399 own insurance company is going to pay you up to 1795 01:32:50.520 --> 01:32:54.359 your limits for that loss of work, loss of enjoyment, 1796 01:32:54.399 --> 01:32:57.600 pain and suffering, whatever you want to that total bucket there, 1797 01:32:57.960 --> 01:32:59.680 that's what it's going to pay. So if you look 1798 01:32:59.720 --> 01:33:02.680 at your declaration page and you see you have twenty 1799 01:33:02.720 --> 01:33:07.960 five thousand dollars of uninsured motorists. You're so underinsured you 1800 01:33:08.039 --> 01:33:10.439 can imagine that that won't get you anywhere. That's not 1801 01:33:10.479 --> 01:33:12.840 going to get you any anything, you know, for any 1802 01:33:12.960 --> 01:33:14.479 length of time. That's not going to protect you. 1803 01:33:14.800 --> 01:33:17.600 No. In fact, it's it's way worse than that. 1804 01:33:17.800 --> 01:33:20.319 You you only have twenty five fifty I'd even say 1805 01:33:20.640 --> 01:33:23.520 one hundred thousand to that, Brian. Someone hits you that 1806 01:33:23.720 --> 01:33:27.560 has a minimum for the state of Colorado or no insurance, 1807 01:33:27.640 --> 01:33:30.880 it doesn't matter, and they change your life forever. You 1808 01:33:31.079 --> 01:33:33.720 lose a leg yep, or you can't work anymore, you 1809 01:33:33.880 --> 01:33:34.920 end up in a wheelchair. 1810 01:33:35.279 --> 01:33:35.960 I mean, that's it. 1811 01:33:36.199 --> 01:33:39.119 The only money you have is from your own insurance 1812 01:33:39.199 --> 01:33:41.880 company at that point, yep. 1813 01:33:42.319 --> 01:33:45.760 And let's even say they have two hundred and fifty 1814 01:33:45.800 --> 01:33:48.720 thousand dollars a coverage. Let's say they actually had good coverage. 1815 01:33:49.359 --> 01:33:51.640 That's still not going to be enough. Well, your your 1816 01:33:51.760 --> 01:33:54.800 uninsured motors can go on top of that. It would 1817 01:33:55.520 --> 01:33:57.960 like what you're paying for it, you could still get more. 1818 01:33:58.479 --> 01:34:01.199 Yeah. So, I mean we've had ton of the uninsured. 1819 01:34:01.239 --> 01:34:05.079 Plus, like I said, the umbrella you sold us actually 1820 01:34:05.319 --> 01:34:08.439 extends ours to the umbrella amount. 1821 01:34:09.840 --> 01:34:12.439 Yeah, so your umbrella. In some cases, if you have 1822 01:34:12.600 --> 01:34:15.520 it and the company offers it, you can get access 1823 01:34:15.560 --> 01:34:17.920 on insured motors on your umbrella, which would give you 1824 01:34:18.159 --> 01:34:21.560 an additional million dollars on top of your two hundred 1825 01:34:21.600 --> 01:34:23.880 and fifty if that's what you have at your underlying limit. 1826 01:34:24.840 --> 01:34:30.800 Okay, Uninsured property damage yep. Now that's a separate policy 1827 01:34:30.840 --> 01:34:31.920 and a separate coverage. 1828 01:34:32.039 --> 01:34:34.720 Yep, we're going back to physical damage coveragees. 1829 01:34:34.439 --> 01:34:37.159 Yeah, no, and I will categorize this better, but right now, 1830 01:34:39.039 --> 01:34:42.680 and yeah, let's just let's what is uninsured property damage. 1831 01:34:42.720 --> 01:34:46.439 So that's coverage for your vehicle. It's only applicable if 1832 01:34:46.520 --> 01:34:49.680 you don't have collision coverage. Let's just say your car 1833 01:34:49.760 --> 01:34:52.279 is old enough. You're like, you know what, I don't 1834 01:34:52.399 --> 01:34:55.880 want to pay for collision anymore, any kind of collision 1835 01:34:55.920 --> 01:34:58.800 coverage anymore. You can remove your collision and you can 1836 01:34:58.880 --> 01:35:00.560 get uninsured vote property. 1837 01:35:00.600 --> 01:35:06.119 Now, what if someone has insurance but they're they're dicking around? Okay, 1838 01:35:07.039 --> 01:35:10.119 I mean, can I can I put a claim in. 1839 01:35:10.520 --> 01:35:12.119 For unassured motors property damage? 1840 01:35:12.279 --> 01:35:13.079 No, nope. 1841 01:35:13.199 --> 01:35:16.640 Unasured motors property damage is only going to protect your 1842 01:35:16.800 --> 01:35:20.840 vehicle in the case that someone does not have insurance. 1843 01:35:21.479 --> 01:35:25.279 So it's only on those circumstances. It doesn't cover you 1844 01:35:25.359 --> 01:35:27.920 if it's a hit and run because the insurance company 1845 01:35:28.000 --> 01:35:30.920 is not going to assume they didn't have insurance. It's 1846 01:35:31.000 --> 01:35:34.159 only there if someone hits your vehicle, does damage to 1847 01:35:34.199 --> 01:35:34.720 your vehicle. 1848 01:35:34.960 --> 01:35:36.119 Very limited coverage. 1849 01:35:36.239 --> 01:35:37.199 It's very limited. 1850 01:35:37.359 --> 01:35:39.880 But it's also when you don't have collision and when 1851 01:35:40.039 --> 01:35:44.000 someone hurts you, uh damages your car and they don't 1852 01:35:44.039 --> 01:35:44.640 have insurance. 1853 01:35:44.760 --> 01:35:47.760 That's right, But it's also only usually twenty bucks every 1854 01:35:47.800 --> 01:35:50.600 six months. I mean it's it's very inexpensive. 1855 01:35:50.680 --> 01:35:53.560 But if you have collision, you don't bother with it, no, because. 1856 01:35:53.319 --> 01:35:56.680 Collision covers you. If someone's uninsurance, it covers your car. Still, 1857 01:35:57.000 --> 01:35:59.479 even if someone doesn't have insurance, your collision will step 1858 01:35:59.520 --> 01:36:03.199 in and pay to fix your vehicle. So it's only 1859 01:36:03.359 --> 01:36:07.239 applicable if you don't have collision coverage and you don't 1860 01:36:07.279 --> 01:36:09.399 want to go pure liability. You just think, you know what, 1861 01:36:09.640 --> 01:36:11.199 I don't want to go all the way down. This 1862 01:36:11.399 --> 01:36:14.119 is a way to step down a bit. 1863 01:36:14.640 --> 01:36:17.560 Forgive me. Did you talk to Oscar? Is Oscar the 1864 01:36:17.600 --> 01:36:21.800 one with the uh, the the dent and he didn't 1865 01:36:21.800 --> 01:36:22.279 know how he yeah? 1866 01:36:22.279 --> 01:36:23.920 I think, yeah, we talked to Oscar. 1867 01:36:23.760 --> 01:36:26.159 Kahina helped me keep up on this man. Okay, thank you, 1868 01:36:26.399 --> 01:36:28.239 We have more coming up to don Tell Martino three 1869 01:36:28.279 --> 01:36:31.000 oh three seven one three talk seven one three a 1870 01:36:31.159 --> 01:36:38.880 two five five Go with a sure thing Denver's best 1871 01:36:39.000 --> 01:36:41.840 roofer Excel Roofing dot com. You don't pay a cent 1872 01:36:42.039 --> 01:36:48.079 until you're content. Time for an insurance check up free, 1873 01:36:48.199 --> 01:36:51.880 no obligation. In comparison, call Compass Insurance paying too much 1874 01:36:52.079 --> 01:36:54.960 your coverage at dozens of insurance companies find out now 1875 01:36:55.079 --> 01:36:57.760 three oh three seven seven one help. You'll think you're 1876 01:36:57.840 --> 01:37:00.359 his only customer when you choose Frank to the real 1877 01:37:00.479 --> 01:37:03.399 estate Man dot com to list your home with Remax 1878 01:37:03.479 --> 01:37:06.520 Alliance three oh three nine two zero sixteen twenty two. 1879 01:37:16.800 --> 01:37:21.000 Martino here, Welcome to the show. Three oh three seven 1880 01:37:21.079 --> 01:37:23.800 one three talk three oh three seven one three eight 1881 01:37:23.880 --> 01:37:29.840 two five five. Okay. Let's continue the festivities and take 1882 01:37:29.960 --> 01:37:34.520 calls as you need help. Laura has a question. Okay, Laura, 1883 01:37:34.680 --> 01:37:35.319 what's happening? 1884 01:37:35.720 --> 01:37:38.479 Welcome, Hello, thank you. 1885 01:37:38.520 --> 01:37:42.079 For taking my call. I live in South Folders and 1886 01:37:42.239 --> 01:37:45.199 I live on a wild land urban interface. 1887 01:37:46.039 --> 01:37:50.880 I have a wildland urban interface. Help me, just help me. 1888 01:37:51.680 --> 01:37:54.520 What is that I'm sorry, I'm not familiar with it. 1889 01:37:54.760 --> 01:37:58.640 It sounds is it like a wildlife Well, what is it? 1890 01:37:58.920 --> 01:38:00.840 Is it federal or ste or local? 1891 01:38:02.359 --> 01:38:04.079 It's when you live right on the edge of the 1892 01:38:04.199 --> 01:38:07.520 open space your property of budget, okay, either. 1893 01:38:07.520 --> 01:38:10.840 City or and you're okay, and the open space is 1894 01:38:10.920 --> 01:38:14.560 the open space federal land, state land, or county land 1895 01:38:15.039 --> 01:38:22.199 set aside county land. So the land you back up 1896 01:38:22.279 --> 01:38:26.079 to is some kind of green belt that's owned by 1897 01:38:26.159 --> 01:38:30.319 Boulder County, Y, Okay. So what is your question. 1898 01:38:32.439 --> 01:38:34.399 I have Chubb as my home. 1899 01:38:34.239 --> 01:38:39.000 Insurance carrier, and they offer a benefits where they give 1900 01:38:39.479 --> 01:38:43.760 private firefighters will come to your house and full mits 1901 01:38:44.600 --> 01:38:49.560 if need be. But what if everybody, you know, a 1902 01:38:49.600 --> 01:38:52.520 lot of people in the neighborhood have Schubb. How do 1903 01:38:52.640 --> 01:38:55.880 they decide which home to go to? Or what if 1904 01:38:56.720 --> 01:39:01.880 the private firefighters are not allowed in the neighborhood because 1905 01:39:03.079 --> 01:39:04.520 it's already been closed off. 1906 01:39:04.840 --> 01:39:09.039 My god, I've never even heard of this before. I'm asked. Listen, 1907 01:39:09.520 --> 01:39:12.560 you're opening my eyes. I've never heard of this before. 1908 01:39:13.119 --> 01:39:16.399 Now let's talk about it. It's a big, big thing, Tom. 1909 01:39:17.960 --> 01:39:21.439 Yeah, and all these high value carriers all do that. 1910 01:39:21.720 --> 01:39:24.359 We have Chubb and we and the company you're with, 1911 01:39:24.520 --> 01:39:28.399 Tom Pure, has it. It's a fire protection program that 1912 01:39:28.560 --> 01:39:33.159 they they automatically offer. As a matter of fact, I 1913 01:39:33.199 --> 01:39:34.119 don't even know what to call. 1914 01:39:34.239 --> 01:39:36.079 Who's a private firefighter? Who are they? 1915 01:39:36.239 --> 01:39:38.119 Well, they come up exactly if there's one of them 1916 01:39:38.279 --> 01:39:40.199 your men area, they send them out. 1917 01:39:41.960 --> 01:39:45.000 I mean there are companies that actually fight fires privately. 1918 01:39:45.079 --> 01:39:45.920 Oh I watched them. 1919 01:39:46.079 --> 01:39:48.600 You may recall they have it those wildfires and Boulder 1920 01:39:48.600 --> 01:39:49.880 about ten or twelve years ago. 1921 01:39:50.359 --> 01:39:51.520 Doesn't county call them in? 1922 01:39:51.640 --> 01:39:54.159 Do they know the county has not? They're not responsive 1923 01:39:54.199 --> 01:39:56.520 to the county. So I was up there photographing the 1924 01:39:56.640 --> 01:39:59.399 fire and I saw a convoy of trucks. 1925 01:40:00.279 --> 01:40:01.800 They just show up on their own and they get 1926 01:40:01.880 --> 01:40:03.119 they're called. 1927 01:40:05.399 --> 01:40:08.640 Okay, or the homeowner also has the option of privately 1928 01:40:08.720 --> 01:40:11.920 contracting with them. This company was called fire Chiefs, and 1929 01:40:12.039 --> 01:40:15.039 they had about a dozen vehicle convoy with dozens of 1930 01:40:15.119 --> 01:40:18.239 men and they were driving right past the police roadblocks 1931 01:40:18.600 --> 01:40:21.039 going up the hill to protect one particular house. 1932 01:40:21.119 --> 01:40:22.800 And what they'll do to them, they'll spray it with 1933 01:40:23.039 --> 01:40:26.239 like that foam. They'll they'll do everything in their power 1934 01:40:26.399 --> 01:40:30.640 to prevent that house that they're insuring from burning down. 1935 01:40:30.920 --> 01:40:35.399 Yeah, they generally work for the insurance company. Yes, but 1936 01:40:35.520 --> 01:40:38.640 she had some good questions. If she has neighbors insured 1937 01:40:38.680 --> 01:40:40.880 by the same people, what priority is there. 1938 01:40:41.119 --> 01:40:43.640 Well, I don't think they would limit the priority. They 1939 01:40:43.680 --> 01:40:45.800 would send as much as they need for the given area. 1940 01:40:46.239 --> 01:40:49.039 They know how much does that actual truck? 1941 01:40:49.159 --> 01:40:49.800 How much did I. 1942 01:40:51.720 --> 01:40:57.079 I don't go ahead, Mark, there's a rule metro that 1943 01:40:57.119 --> 01:40:59.680 I'm just saying. It's not like it's like one guy 1944 01:40:59.760 --> 01:41:03.439 in a truck. It's like a full blown right firefighting outfit. 1945 01:41:03.520 --> 01:41:07.359 It's huge. Oh yeah, they're for real. Yeah, they're not 1946 01:41:07.439 --> 01:41:09.640 going to show up in one MiCT go hey, do 1947 01:41:09.720 --> 01:41:11.760 we go to this house or that house. They're going 1948 01:41:11.800 --> 01:41:14.720 to show up with twenty trucks, and. 1949 01:41:14.960 --> 01:41:17.239 They know in advance how many homes they're dealing with. 1950 01:41:17.479 --> 01:41:21.239 They know they have, you know how many homes they 1951 01:41:21.319 --> 01:41:23.199 have insured in that point, and they'll send out the 1952 01:41:23.279 --> 01:41:26.640 appropriate amount of trucks for the number of homes they have. 1953 01:41:29.039 --> 01:41:33.760 Okay, now the private firefighters, how much does that coverage cost? 1954 01:41:35.239 --> 01:41:38.119 This is what I'm saying. It's automatic with these high 1955 01:41:38.159 --> 01:41:40.960 values like a Chubb, they automatically do it. The only 1956 01:41:41.079 --> 01:41:43.720 reason you wouldn't get it if you don't sign off 1957 01:41:44.800 --> 01:41:47.119 to allow them to come in in that case. 1958 01:41:46.920 --> 01:41:50.800 Okay, So Laura, my question is if it's automatic with 1959 01:41:50.920 --> 01:41:53.880 your coverage, why are you concerned at all? 1960 01:41:55.640 --> 01:41:58.720 Well, you know, when the fire comes down super fast, 1961 01:41:59.319 --> 01:42:02.399 are they ready? How many trucks, how many teams do 1962 01:42:02.520 --> 01:42:02.760 they have? 1963 01:42:03.399 --> 01:42:06.800 Well, here's what I'm asking. If you went with another company, here, 1964 01:42:06.920 --> 01:42:11.119 here's what I'm saying. And understand what I'm saying. If 1965 01:42:11.159 --> 01:42:14.359 you went with another company that doesn't offer this, you 1966 01:42:14.479 --> 01:42:18.000 don't get it. If you're with Chubb and you're satisfied 1967 01:42:18.079 --> 01:42:22.279 with the premium and it's built into the coverage, why 1968 01:42:22.359 --> 01:42:25.760 do you even care? I mean, it's it's additional help, 1969 01:42:26.039 --> 01:42:29.920 no matter what it is. Well, other than curiosity, I 1970 01:42:30.520 --> 01:42:33.119 get it. She's saying, Look, it's part of my premium. 1971 01:42:33.359 --> 01:42:35.439 I'd like to know how they decide when to come 1972 01:42:35.840 --> 01:42:40.399 and who to come to. That's what she's saying. So, yeah, Brian, 1973 01:42:40.479 --> 01:42:41.159 you're saying. 1974 01:42:40.960 --> 01:42:41.479 What they. 1975 01:42:43.960 --> 01:42:47.159 I have enough product who might check out. It's called 1976 01:42:47.319 --> 01:42:53.239 Frontline Wildfire Defense System and they install like a Strinkler 1977 01:42:54.000 --> 01:42:59.359 Frontline Wildfire Defense System. 1978 01:43:01.039 --> 01:43:06.239 Wow, I'm looking at their website. Pretty cool. And if 1979 01:43:06.279 --> 01:43:09.560 you don't I wonder if they have tom so. You know, 1980 01:43:09.680 --> 01:43:12.760 if you don't have Chubb or one of these companies, 1981 01:43:13.239 --> 01:43:15.920 you can still go to someone like Rural Metro or 1982 01:43:16.000 --> 01:43:18.800 a hundred other ones and sign up on a monthly 1983 01:43:18.960 --> 01:43:21.479 subscription and then you have coverage for it. 1984 01:43:22.680 --> 01:43:23.359 Oh that's great. 1985 01:43:23.560 --> 01:43:26.520 Yeah, now I'm looking. I'm looking at a YouTube of 1986 01:43:26.640 --> 01:43:35.199 this wall. Listen, that's U on YouTube talking about that. Huh. 1987 01:43:36.600 --> 01:43:39.520 It's a sprinkler system for your roofs and then it 1988 01:43:39.680 --> 01:43:40.920 also forms your house. 1989 01:43:41.479 --> 01:43:44.680 It's used by an app and you can initiate it. 1990 01:43:44.760 --> 01:43:47.199 You don't have to be Oh, it saturates the hell 1991 01:43:47.279 --> 01:43:49.960 out of your house. I wonder if they have stats 1992 01:43:50.039 --> 01:43:55.520 to show. I mean it looks phenomenal, yeah, and foam inside. 1993 01:43:56.159 --> 01:43:59.359 I bet it works, I mean the I bet it 1994 01:43:59.399 --> 01:44:01.159 works for a one off. But you have something like 1995 01:44:01.279 --> 01:44:04.640 going on in La now or something like the Boulder fires. 1996 01:44:04.960 --> 01:44:07.560 I mean, nothing's gonna stop that, right, I mean, it's 1997 01:44:07.600 --> 01:44:09.359 gonna be ashes like everybody else. 1998 01:44:09.359 --> 01:44:12.159 Well, who knows. I mean there were people out there 1999 01:44:12.279 --> 01:44:16.279 with isolated home saved and they had either a system 2000 01:44:16.439 --> 01:44:20.279 like this or they built with defensive what they call 2001 01:44:20.399 --> 01:44:23.399 defensive products. I'm not sure what that means anyway. So 2002 01:44:24.159 --> 01:44:26.079 the sound you're hearing is me playing this video. 2003 01:44:28.520 --> 01:44:31.319 Well, after the Marshall fire, we would drive around and 2004 01:44:31.439 --> 01:44:34.319 we would say, well, why is this one house standing 2005 01:44:34.760 --> 01:44:36.319 and everything around it burned? 2006 01:44:36.359 --> 01:44:39.520 We would always wonder what did they do that we 2007 01:44:39.720 --> 01:44:40.039 could do? 2008 01:44:40.359 --> 01:44:43.840 Do you have a lot of trees and brush around you? No? 2009 01:44:44.079 --> 01:44:45.359 No, I've mitigated all of that. 2010 01:44:47.520 --> 01:44:51.319 I wonder how much this system costs? This frontline and 2011 01:44:51.520 --> 01:44:55.039 you can actually trigger it with your cell phone. My god, 2012 01:44:55.520 --> 01:44:59.359 it's pretty cool, you know. Let's put it this way. 2013 01:44:59.800 --> 01:45:03.399 I if I envision a time that you're going to 2014 01:45:03.479 --> 01:45:05.399 have to have stuff like this or not be insured, 2015 01:45:06.479 --> 01:45:08.600 I envision a time when you're going to have to 2016 01:45:08.680 --> 01:45:11.880 do mitigation or you're going to have to do something 2017 01:45:12.039 --> 01:45:14.560 before you're even allowed to be insured. What do you 2018 01:45:14.640 --> 01:45:15.840 think about that, Brian. 2019 01:45:15.720 --> 01:45:18.920 Well, it's already here on New Business, Like, if you're 2020 01:45:19.000 --> 01:45:22.039 trying to get new insurance, first thing they're looking at 2021 01:45:22.159 --> 01:45:24.199 is the mitigation you've done. I mean, first thing they 2022 01:45:24.239 --> 01:45:26.560 look at is the area you're in, of course, and 2023 01:45:26.680 --> 01:45:29.439 there's a wildfire score associated with that, and if you 2024 01:45:29.640 --> 01:45:32.680 are at a particular wildfire score, you're not going to 2025 01:45:32.760 --> 01:45:35.600 get insurance in the standard market, but even to get 2026 01:45:35.720 --> 01:45:39.399 insurance from a secondary market, from an excess market. They 2027 01:45:39.520 --> 01:45:42.640 want to know what mitigation you've done. So they want 2028 01:45:42.680 --> 01:45:45.199 to make sure you've gotten the trees away from the house, 2029 01:45:45.279 --> 01:45:47.399 that they've trimmed the trees up that are even further 2030 01:45:47.520 --> 01:45:49.119 from the house. They want to see that they're trimmed 2031 01:45:49.239 --> 01:45:53.720 up a certain distance or a certain height off the ground. 2032 01:45:54.319 --> 01:45:56.439 There's all sorts of things that you can do to 2033 01:45:57.359 --> 01:46:02.199 minimize the fire risk. You can't ever, you can't ever, 2034 01:46:02.439 --> 01:46:04.680 you know, eliminate it, but you can reduce the risk. 2035 01:46:04.760 --> 01:46:05.840 And that's what they want to see. 2036 01:46:06.840 --> 01:46:09.239 All right now, I'm we got to take this break. 2037 01:46:09.319 --> 01:46:16.800 More coming right up. Go with a sure thing Denver's 2038 01:46:16.840 --> 01:46:19.000 best roofer Excel Roofing dot com. 2039 01:46:19.159 --> 01:46:21.199 You don't pay a cent until you're content. 2040 01:46:24.560 --> 01:46:27.720 Time for an insurance check up free no obligation comparison 2041 01:46:27.880 --> 01:46:31.439 call Compass Insurance paying too much your coverage at dozens 2042 01:46:31.439 --> 01:46:34.199 of insurance companies find out now three oh three, seven 2043 01:46:34.199 --> 01:46:36.520 to seven to one help. You'll think you're his only 2044 01:46:36.640 --> 01:46:39.079 customer when you choose Frank durand the real estate Man 2045 01:46:39.159 --> 01:46:42.560 dot com to list your home with Remax Alliance three 2046 01:46:42.640 --> 01:46:50.520 oh three nine two zero sixteen twenty two. Hi, Tom Martino, 2047 01:46:52.159 --> 01:46:54.920 your troubleshooter three oh three seven to one three talk 2048 01:46:55.520 --> 01:46:58.479 seven one three eight two five five. So I'm getting 2049 01:46:59.239 --> 01:47:02.119 a lot of text I should probably go to and 2050 01:47:02.239 --> 01:47:05.560 figure out what's going on here. Like one here, Tom, 2051 01:47:05.880 --> 01:47:10.239 make sure to talk about comp and collision as far 2052 01:47:10.439 --> 01:47:14.079 as hitting a deer or hitting a tree. So we 2053 01:47:14.199 --> 01:47:17.319 went over all kinds of insurance coverages on this show 2054 01:47:18.399 --> 01:47:23.199 from and and basically to sum it up liability, comprehensive collision, 2055 01:47:23.720 --> 01:47:28.079 medpay or medical payments, uninsured motorists and uninsured motorists and 2056 01:47:28.359 --> 01:47:31.560 uninsured motoris property damage by the way, before we move on, 2057 01:47:32.039 --> 01:47:34.680 are there any other major coverages or did we cover 2058 01:47:34.800 --> 01:47:35.600 them right here? 2059 01:47:35.800 --> 01:47:35.960 Yeah? 2060 01:47:36.039 --> 01:47:41.239 You're all you're talking about umbrellas. Just wait one second though, 2061 01:47:41.319 --> 01:47:42.399 as far as auto. 2062 01:47:42.720 --> 01:47:45.960 You're referring to, yeah, other than your your more minor 2063 01:47:46.039 --> 01:47:53.039 things like like you're talking about rental car coverage, towing us. 2064 01:47:53.159 --> 01:47:54.760 But that's all added under which. 2065 01:47:54.640 --> 01:47:57.680 Part that's that would be part of physical damage covers 2066 01:47:57.720 --> 01:47:58.880 for your vehicle without. 2067 01:47:58.640 --> 01:48:02.800 Pay glass coverages is saved me a thousands? Can you 2068 01:48:02.960 --> 01:48:05.199 get can you get glass? And towing and all that 2069 01:48:05.279 --> 01:48:08.479 other stuff without collision or without comp No, you have to. 2070 01:48:08.560 --> 01:48:11.520 Have collision and comp well, for glass, you have to 2071 01:48:11.560 --> 01:48:14.760 have comprehensive So glass would just mean that you have 2072 01:48:14.840 --> 01:48:18.520 a separate deductible for glass claims. And then you have, 2073 01:48:18.640 --> 01:48:22.359 of course things like lease gap, loan gap. There's there's 2074 01:48:22.399 --> 01:48:26.680 all sorts of little endorsements depending on the situation endorsements. 2075 01:48:26.800 --> 01:48:31.199 Okay, now so then uh, you know Mark has a question. 2076 01:48:31.279 --> 01:48:33.640 But before that, now that what this one? What this 2077 01:48:33.760 --> 01:48:35.840 guy said, If I hit a deer or I hit 2078 01:48:35.880 --> 01:48:37.279 a tree, are there two different coverage. 2079 01:48:37.399 --> 01:48:40.479 Yes, if you hit a deer or an animal of 2080 01:48:40.560 --> 01:48:43.199 any kind, that would be a comprehensive claim, which means 2081 01:48:43.199 --> 01:48:44.880 if you make that claim, you're not going to get 2082 01:48:44.880 --> 01:48:46.880 surcharged in the state of Colorado, you're not going to 2083 01:48:46.960 --> 01:48:49.439 have a rate increase because of it. If you hit 2084 01:48:49.520 --> 01:48:52.479 a tree, that is a collision claim and that is 2085 01:48:52.560 --> 01:48:54.439 a chargeable claim. 2086 01:48:54.560 --> 01:48:57.560 Or not just a tree, but including hitting any. 2087 01:49:00.319 --> 01:49:02.239 Yeah, you hit a pole, you had a fence, you 2088 01:49:02.319 --> 01:49:04.960 had a you had a tree, whatever you hit, that 2089 01:49:05.000 --> 01:49:05.960 would be a collision. 2090 01:49:06.039 --> 01:49:10.000 But it's stationary the key. No, it's not being stationary. Well, 2091 01:49:10.600 --> 01:49:11.920 it's hitting any. 2092 01:49:11.760 --> 01:49:15.079 Object other than like an animal which is other. 2093 01:49:15.039 --> 01:49:15.640 Than an animal. 2094 01:49:18.039 --> 01:49:22.439 The you hit another car that's not stationary, that's collision though, Yes, 2095 01:49:22.520 --> 01:49:23.760 you're right, yeah, how about it? 2096 01:49:23.880 --> 01:49:26.119 Hey, Brian, how about a Tesla robot. 2097 01:49:28.920 --> 01:49:31.000 Like if the Tesla is driving on its own and 2098 01:49:31.119 --> 01:49:32.319 hits something, Is that what you're saying? 2099 01:49:32.960 --> 01:49:35.960 No, No, I'm saying like a robot like legitimately either 2100 01:49:36.079 --> 01:49:37.920 the Honda or the Tesla robot. 2101 01:49:40.000 --> 01:49:40.560 So, but. 2102 01:49:42.199 --> 01:49:44.920 Yeah, if you if you hit it, it's still going 2103 01:49:45.000 --> 01:49:45.680 to be a collision. 2104 01:49:45.680 --> 01:49:48.279 How about okay, how about a remote control plane comes 2105 01:49:48.359 --> 01:49:49.439 crashing into your car? 2106 01:49:52.119 --> 01:49:55.439 Yeah, well that would still be comprehensive. Right, No, A, 2107 01:49:56.920 --> 01:50:00.239 you're still collision. It's still a an eye, you know, 2108 01:50:00.359 --> 01:50:07.600 it's still another idea, uh another moving It's not a 2109 01:50:07.680 --> 01:50:09.520 vehicle in this tenth case, but you can still be 2110 01:50:09.560 --> 01:50:12.720 considered a collision claim. We have more checked was the 2111 01:50:12.760 --> 01:50:13.399 word I was looking for. 2112 01:50:13.720 --> 01:50:15.880 We have more coming up on the Trebleshooter Show three 2113 01:50:15.960 --> 01:50:18.840 O three seven one three talks seven one three eight 2114 01:50:18.920 --> 01:50:22.600 two five five Go with a sure thing Denver's Best 2115 01:50:22.720 --> 01:50:24.520 Roofer Excel roofing dot com. 2116 01:50:24.720 --> 01:50:26.720 You don't pay a cent until you're content. 2117 01:50:28.319 --> 01:50:32.560 Please time for an insurance check up free No obligation 2118 01:50:32.720 --> 01:50:36.560 comparison call Compass Insurance paying too much your coverage at 2119 01:50:36.600 --> 01:50:39.319 dozens of insurance companies find out now three oh three 2120 01:50:39.479 --> 01:50:41.600 seven to seven to one help. You'll think you're his 2121 01:50:41.800 --> 01:50:44.359 only customer when you choose Frank durand the real estate 2122 01:50:44.479 --> 01:50:47.680 Man dot com to list your home with Remax Alliance 2123 01:50:47.960 --> 01:50:50.399 three oh three nine two zero sixteen twenty two. 2124 01:50:58.159 --> 01:51:04.479 News. That's who you don't have the come running just 2125 01:51:04.600 --> 01:51:05.840 as fast as we can. 2126 01:51:07.119 --> 01:51:08.399 Shooter's gonna help. 2127 01:51:08.680 --> 01:51:17.000 Come Man Dix is the Troubleshooter Show. No, Tom Martine, Hi, 2128 01:51:17.239 --> 01:51:19.800 Tom Martino here, Welcome to the show three oh three 2129 01:51:20.000 --> 01:51:22.319 seven one three talk seven one three two five five. 2130 01:51:22.840 --> 01:51:24.800 And if you're streaming, you'll see Brian Burns to my 2131 01:51:24.960 --> 01:51:28.640 right and uh it's also screen left actually but to 2132 01:51:28.720 --> 01:51:34.399 my right. And we're discussing problems, questions, complaints, basically everything 2133 01:51:34.479 --> 01:51:36.720 near and dear to your heart and pocketbook, things that 2134 01:51:36.840 --> 01:51:40.039 you need to know about and we love talking about it. 2135 01:51:40.199 --> 01:51:44.279 So please call us at three oh three, Uh Martino 2136 01:51:44.359 --> 01:51:46.800 twenty four seven three oh three six two seven eight 2137 01:51:46.880 --> 01:51:50.359 four sixty six, and we're happy to do whatever it 2138 01:51:50.520 --> 01:51:56.079 takes to help you. Now, Okay, so right now I 2139 01:51:56.159 --> 01:51:57.960 want to go to the phones. Let's see. Let me 2140 01:51:58.079 --> 01:52:01.920 just get to the screen. And Dave has a question 2141 01:52:02.039 --> 01:52:05.600 for Brian Burns, Compass Insurance Group. Dave, Welcome to the show, Dave. 2142 01:52:05.640 --> 01:52:06.720 What's going on with you man? 2143 01:52:09.319 --> 01:52:09.800 Thank Brian. 2144 01:52:10.039 --> 01:52:13.039 What do you recommend when you have a yes? 2145 01:52:13.119 --> 01:52:13.640 Can you hear me? 2146 01:52:15.159 --> 01:52:15.600 Yes, sir? 2147 01:52:15.840 --> 01:52:18.159 You hear me, yes, sir. 2148 01:52:18.279 --> 01:52:23.319 We can hear you recommend when you recommend When we 2149 01:52:23.560 --> 01:52:27.920 have a house in the mountain and our property, our 2150 01:52:28.000 --> 01:52:31.680 neighbor has within the fifteen or two hundred feet of 2151 01:52:32.039 --> 01:52:33.199 what they would like to see as. 2152 01:52:33.119 --> 01:52:36.000 Fires fire mitigation, and he will not allow us to 2153 01:52:36.039 --> 01:52:38.439 cut any trees or trim any trees. 2154 01:52:40.279 --> 01:52:43.359 So your insurance company is saying you need to mitigate 2155 01:52:43.640 --> 01:52:47.760 further out than when your property is located like, in 2156 01:52:47.840 --> 01:52:49.840 other words, outside of your property boundary. 2157 01:52:53.000 --> 01:52:55.199 Well, right, right now, I have no insurance on it 2158 01:52:55.239 --> 01:52:56.640 because I'm in the process. 2159 01:52:56.279 --> 01:52:56.840 Of building it. 2160 01:52:56.960 --> 01:52:58.279 I'm about to get my COO. 2161 01:52:59.479 --> 01:53:01.239 But okay, the. 2162 01:53:01.319 --> 01:53:04.319 Neighbors, they said they wanted them to be with outside 2163 01:53:04.359 --> 01:53:05.159 two hundred. 2164 01:53:04.880 --> 01:53:08.079 Feet to have everything cut down or trimmed to get 2165 01:53:08.199 --> 01:53:11.439 insurance on that, and say, yeah, we have the same 2166 01:53:11.520 --> 01:53:15.119 issue his neighbor's property line is too close to within 2167 01:53:15.199 --> 01:53:18.840 the two hundred feet or fifty feet, right. 2168 01:53:19.039 --> 01:53:22.560 Yeah, and that usually when you run into that, I 2169 01:53:22.880 --> 01:53:25.279 hear exactly what you're saying. You're saying, I can't force 2170 01:53:25.359 --> 01:53:29.239 my neighbors to cut down their trees or mitigat any further. 2171 01:53:29.640 --> 01:53:31.920 The insurance companies, especially if you're in a high fire 2172 01:53:32.000 --> 01:53:34.680 risk area, you're you're looking at like an excess carrier, 2173 01:53:34.840 --> 01:53:37.920 not an admitted carrier at that point. And you can 2174 01:53:38.039 --> 01:53:40.800 usually talk to an underwriter and say, will do whatever 2175 01:53:40.880 --> 01:53:42.800 you need us to do on our property. We can't, 2176 01:53:43.039 --> 01:53:45.399 and they know you can't force your neighbors to do it, 2177 01:53:45.640 --> 01:53:48.880 so they will require whatever you can do on your own. 2178 01:53:51.760 --> 01:53:56.159 Does that make sense? Their will be Yeah, they're not. Yeah, 2179 01:53:56.239 --> 01:53:58.359 there's not much they can do about it, all right, 2180 01:53:58.439 --> 01:54:01.520 three h three seven on three talks seven one three 2181 01:54:02.039 --> 01:54:05.239 eight two five five. If you have any questions, problems, complaints, 2182 01:54:05.279 --> 01:54:08.279 give us a call on anything. Today is insurance day, 2183 01:54:08.640 --> 01:54:11.039 so we are focusing a bit on that, and it's 2184 01:54:11.199 --> 01:54:14.159 very important. I mean, now more than ever, the landscape 2185 01:54:14.239 --> 01:54:20.399 is changing. My goodness, gracious now, Brian, what about comparison? 2186 01:54:20.399 --> 01:54:21.199 Should do anymore? 2187 01:54:21.399 --> 01:54:25.199 Yes, I do have a couple here. Let's see. 2188 01:54:25.399 --> 01:54:28.000 We see we're asking people to call. You can call 2189 01:54:28.039 --> 01:54:30.199 it directly to a compass and say hey, I'm on 2190 01:54:30.239 --> 01:54:32.359 an insurance checkup to get a sampling of what they do. 2191 01:54:32.920 --> 01:54:35.199 Then they do it even when they're not here. Okay, 2192 01:54:35.279 --> 01:54:38.920 the Insurancehealthcenter dot com. We invented that how many years ago, Brian? 2193 01:54:39.039 --> 01:54:41.760 The Insurance Healthcenter dot com? Long ago? And then also 2194 01:54:41.880 --> 01:54:44.760 three oh three nine nine six nine thousand, which is 2195 01:54:44.800 --> 01:54:46.960 their main line, And is there an option there for 2196 01:54:47.039 --> 01:54:51.960 insurance checkov yes? Okay, yep, good, So what did we find? 2197 01:54:52.199 --> 01:54:55.800 Okay, these people are with American Family for auto and 2198 01:54:55.880 --> 01:54:58.560 home right now. They were paying a total of ninety 2199 01:54:58.680 --> 01:55:03.359 one eighty year for the two nine thousand. That is 2200 01:55:03.479 --> 01:55:07.520 not that far outside of normal. It looks like the 2201 01:55:07.560 --> 01:55:10.800 agent that work with them got a quote with auto 2202 01:55:11.000 --> 01:55:16.520 owners and we're able to add an umbrella policy to that, 2203 01:55:16.680 --> 01:55:19.680 so they have an extra million dollars of liability and 2204 01:55:20.159 --> 01:55:22.640 saved them thirty eight seventy two weeks. 2205 01:55:22.680 --> 01:55:28.560 Oh my god, you're saving them almost four thousand dollars 2206 01:55:28.640 --> 01:55:33.800 a year, placing them with a better company and getting 2207 01:55:33.880 --> 01:55:35.880 them a one million dollar umbrella. 2208 01:55:36.039 --> 01:55:40.920 That's it. Holy crap, Holy that's a good one. 2209 01:55:41.000 --> 01:55:43.239 Huh oh, that's one of the best I've seen in 2210 01:55:43.359 --> 01:55:47.239 today's market. People. You know, you're saving four grand if 2211 01:55:47.279 --> 01:55:50.640 we do the math for a grand mom. I know 2212 01:55:50.840 --> 01:55:52.720 people are doing it in their heads and they're smarter 2213 01:55:52.840 --> 01:55:56.600 than me, and so the hell with you. Okay, that's 2214 01:55:56.680 --> 01:55:58.359 three hundred and thirty three bucks a month. 2215 01:55:58.399 --> 01:55:58.520 Bro. 2216 01:55:58.840 --> 01:56:04.520 Yeah, that's a call with better coverage. So all right, Yeah, 2217 01:56:04.760 --> 01:56:05.399 there's another one. 2218 01:56:05.439 --> 01:56:07.640 I'll just tell you real quick, No, real quick, tell me. 2219 01:56:07.720 --> 01:56:08.359 I want to hear them. 2220 01:56:08.479 --> 01:56:08.600 Well. 2221 01:56:08.680 --> 01:56:14.000 This one was with Country Financial, and they just so 2222 01:56:14.239 --> 01:56:17.000 happened to be exactly that circumstance we were talking about 2223 01:56:17.000 --> 01:56:19.439 where they had two hundred and fifty thousand per person 2224 01:56:20.560 --> 01:56:24.159 for liability five hundred thousand per accident, but they had 2225 01:56:24.600 --> 01:56:29.199 twenty five to fifty for uninsured motorists. So they saw 2226 01:56:29.279 --> 01:56:32.199 that on their declaration page, called them we are We 2227 01:56:32.279 --> 01:56:34.520 got them a quote with a company called Acuity. 2228 01:56:35.159 --> 01:56:35.920 I love Acuity. 2229 01:56:35.920 --> 01:56:39.159 Good duty is fantastic. They have guaranteed replacement cost on 2230 01:56:39.239 --> 01:56:41.960 the home, and they have not only the five hundred 2231 01:56:42.000 --> 01:56:44.680 thousand of uninsured motorst on the auto. We were able 2232 01:56:44.720 --> 01:56:48.560 to add it to the umbrella and give them another 2233 01:56:48.680 --> 01:56:51.439 million dollars and we saved them twelve hundred dollars a year. 2234 01:56:52.960 --> 01:56:57.399 Okay, cool man. I mean this is right before your 2235 01:56:57.439 --> 01:57:00.479 eyes people, This is live, This is real stuff. And 2236 01:57:00.760 --> 01:57:03.199 as I said with the second opinion, you can't lie 2237 01:57:03.239 --> 01:57:05.560 about that because they have to be able to do 2238 01:57:05.640 --> 01:57:08.199 it right, you know I people that say, well I 2239 01:57:08.239 --> 01:57:10.319 can do better than that, well, then do it do 2240 01:57:10.520 --> 01:57:12.800 better than that. Let me scoot you over here. Okay, 2241 01:57:13.159 --> 01:57:15.680 three oh three seven one three eight two five five. 2242 01:57:16.960 --> 01:57:21.079 Now let's uh, let's consider what we've talked about, and 2243 01:57:21.159 --> 01:57:27.960 that is we've talked about coverages and coverages to go 2244 01:57:28.159 --> 01:57:32.239 over again. We we just wanted to be basic liability 2245 01:57:32.359 --> 01:57:37.359 covers others bodily injury and property damage. That protects really 2246 01:57:37.439 --> 01:57:42.479 it protects others, okay, from your damage. It's required by law. Comprehensive, 2247 01:57:43.239 --> 01:57:45.720 is not required by law. Has it deductible, and protects 2248 01:57:45.720 --> 01:57:50.399 your vehicle from damage other than collision, hail, fire, theft, 2249 01:57:50.640 --> 01:57:54.600 animal strikes, auto theft, and then separate. You can get 2250 01:57:54.680 --> 01:57:58.760 some good deductibles like a zero deductible full glass. Then 2251 01:57:58.840 --> 01:58:02.000 you have collision which is subject to a deductible and 2252 01:58:02.119 --> 01:58:05.119 that covers your vehicle for any collision regardless of fault, 2253 01:58:05.640 --> 01:58:10.560 including and hitting any object except an animal, right, yep, 2254 01:58:11.119 --> 01:58:12.000 except an animal. 2255 01:58:12.279 --> 01:58:13.880 Yep. Animal would be comprehensive. 2256 01:58:14.359 --> 01:58:17.880 Okay. And I'm mis making notes here and I'm going 2257 01:58:17.960 --> 01:58:23.760 to be posting something I think to social media for this. Okay. 2258 01:58:23.920 --> 01:58:28.319 So then medical payments or medpay covers you and your 2259 01:58:28.439 --> 01:58:30.720 passengers for medical expenses. 2260 01:58:31.399 --> 01:58:31.600 Yep. 2261 01:58:32.319 --> 01:58:36.279 Really important. And you can buy various what's the most 2262 01:58:36.319 --> 01:58:36.720 you can buy? 2263 01:58:36.800 --> 01:58:39.760 That depends on the carrier. Some only offer ten thousand, 2264 01:58:39.880 --> 01:58:41.399 some will go up to fifty thousand. 2265 01:58:42.000 --> 01:58:44.560 But the good idea is it's immediately available. 2266 01:58:44.920 --> 01:58:48.000 Yeah, you can reject it. There's people that don't have 2267 01:58:48.159 --> 01:58:50.920 any medical payments, but you have to actually sign a 2268 01:58:51.039 --> 01:58:53.279 form rejecting it with the state in order to get 2269 01:58:53.359 --> 01:58:53.640 rid of it. 2270 01:58:56.680 --> 01:59:00.800 U I am uninsured. Under insured covers pain and suffering 2271 01:59:01.319 --> 01:59:05.399 for you and your passengers. Now that is in the 2272 01:59:05.479 --> 01:59:10.159 event they're underinsured or uninsured, and that's important. Coverage. Pain 2273 01:59:10.239 --> 01:59:14.399 and suffering is not direct medical. Yeah, pain and suffering 2274 01:59:14.479 --> 01:59:19.520 is hard to define, but they're basically are they non 2275 01:59:19.600 --> 01:59:22.000 economic losses? Some of them are economic, aren't? 2276 01:59:22.000 --> 01:59:23.640 Oh yeah, no, it could be economic. It could be 2277 01:59:23.680 --> 01:59:28.199 your loss of wages like you can't work anymore, and uh, 2278 01:59:28.600 --> 01:59:31.159 it's a direct reflection of all that money you're going 2279 01:59:31.239 --> 01:59:31.560 to lose. 2280 01:59:31.640 --> 01:59:35.239 Then a little known, a little known coverage called um 2281 01:59:35.359 --> 01:59:38.319 property damage. Explain that rin. 2282 01:59:38.279 --> 01:59:41.560 Yeah, uninsured murders. Property damage is is not a real 2283 01:59:41.680 --> 01:59:44.680 common coverage. It's only available if you do not have 2284 01:59:44.880 --> 01:59:48.439 collision coverage on your vehicle, and it will protect your 2285 01:59:48.600 --> 01:59:52.680 vehicle if someone hits you that's uninsured. It covers your car, 2286 01:59:53.000 --> 01:59:56.119 not you. It will protect your car if someone hits 2287 01:59:56.159 --> 01:59:57.680 you that is uninsured. 2288 01:59:58.039 --> 02:00:02.880 Let's talk about various endorsements. What do we mean by that? 2289 02:00:03.479 --> 02:00:05.960 So on an autopolicy, and of course on home and 2290 02:00:06.039 --> 02:00:08.239 other products too, But on the autopolicy, since that's what 2291 02:00:08.279 --> 02:00:11.680 we're talking about here, you can add endorsements for let's say, 2292 02:00:11.760 --> 02:00:16.000 rental car reimbursement, and that one has become really important 2293 02:00:16.680 --> 02:00:20.399 because the cost of renting a car has skyrocketed so 2294 02:00:21.079 --> 02:00:24.680 and the time to have your car fixed takes so long. 2295 02:00:24.880 --> 02:00:28.000 A lot of policies will limit the amount of rental 2296 02:00:28.079 --> 02:00:31.560 car coverage for thirty days. So if it takes more 2297 02:00:31.640 --> 02:00:34.800 than thirty days to get your car repaired, your policy 2298 02:00:35.199 --> 02:00:38.000 very well might cap out after thirty days and then 2299 02:00:38.039 --> 02:00:42.159 you're responsible after that. So rental car coverage, you want 2300 02:00:42.199 --> 02:00:45.119 to look at it. Some carriers will offer a blanket amount, 2301 02:00:45.199 --> 02:00:48.039 let's say twenty five hundred dollars, and it's not subject 2302 02:00:48.079 --> 02:00:50.640 to a number of days or a per day limit. 2303 02:00:50.800 --> 02:00:52.560 But you just need to reach your policy to see 2304 02:00:52.600 --> 02:00:57.039 what you might have. Roadside assistance is considered an endorsement 2305 02:00:57.119 --> 02:01:00.720 that you would add on there. But we're talking about 2306 02:01:01.680 --> 02:01:05.720 something like loan gap or lease gap. That would be 2307 02:01:05.920 --> 02:01:08.920 coverage that if for loan gap, if you have a 2308 02:01:09.000 --> 02:01:11.199 loan on your vehicle, you buy a brand new car 2309 02:01:11.279 --> 02:01:12.800 and you get a loan for the full amount. The 2310 02:01:12.880 --> 02:01:15.520 day you drive it off the lot, your car depreciates 2311 02:01:15.560 --> 02:01:18.640 in value, so the loan gap would be there. That 2312 02:01:18.720 --> 02:01:21.399 if your car got totaled and you owe more to 2313 02:01:21.680 --> 02:01:25.399 the finance company than what your car is worth, your 2314 02:01:25.479 --> 02:01:28.720 insurance can make up that gap. That's what that is 2315 02:01:29.279 --> 02:01:31.920 referring to. And lease gap, same kind of thing. 2316 02:01:33.520 --> 02:01:33.720 Man. 2317 02:01:34.399 --> 02:01:37.439 You got a big job, and it's amazing the small 2318 02:01:37.520 --> 02:01:39.800 margins you operate on. And I don't mean that as 2319 02:01:39.880 --> 02:01:43.119 a I mean, you know, let's just say it like 2320 02:01:43.159 --> 02:01:47.039 it is. I think health insurance and auto insurance and 2321 02:01:47.159 --> 02:01:50.520 home insurance. You guys work on very small margins. I 2322 02:01:50.600 --> 02:01:53.079 mean what you make for the hassles, I mean really, 2323 02:01:53.199 --> 02:01:55.239 I mean, let's just I mean it's good you make money, 2324 02:01:55.399 --> 02:01:57.800 but you have to do it on volume and service 2325 02:01:57.960 --> 02:02:02.000 because oh god, it doesn't and it's not like people 2326 02:02:02.079 --> 02:02:04.920 can go direct and save money, right, So it's foolish 2327 02:02:05.000 --> 02:02:07.399 to try to do that and it just gets and 2328 02:02:07.439 --> 02:02:10.039 you're not captive. That's another thing I want to really 2329 02:02:10.239 --> 02:02:13.199 when we come back, it's really important that we know 2330 02:02:13.319 --> 02:02:18.399 the difference between captive and what's the opposite of captive 2331 02:02:18.479 --> 02:02:24.399 non captain dependent? Independent? Okay, it's really really important. Now 2332 02:02:24.560 --> 02:02:27.600 is Mark a new call here? Let me get him Mark? 2333 02:02:28.760 --> 02:02:33.039 Or did we we take Mark? Mark? Did you already 2334 02:02:33.079 --> 02:02:36.000 talk to us? I'm sorry, man, I'm sure, okay, And 2335 02:02:36.119 --> 02:02:37.680 did you have any follow up questions? 2336 02:02:39.720 --> 02:02:39.760 No? 2337 02:02:39.960 --> 02:02:42.399 I just had a quick question on if you have 2338 02:02:42.600 --> 02:02:47.960 a minor that's turning sixteen and you're ohold, it does 2339 02:02:48.079 --> 02:02:51.199 not drive, do you have to ensure them? 2340 02:02:53.239 --> 02:02:53.439 Well? 2341 02:02:53.920 --> 02:02:54.720 Are they license? 2342 02:02:57.119 --> 02:02:57.159 No? 2343 02:02:57.880 --> 02:03:00.439 But I have heard that. Oh no, I want you 2344 02:03:00.560 --> 02:03:03.039 to ensure anybody that's of age. 2345 02:03:04.760 --> 02:03:07.479 No, if they are not, So there's carriers that if 2346 02:03:07.479 --> 02:03:10.000 they have a permit, you need to let your agent 2347 02:03:10.119 --> 02:03:11.840 know so they can add him on as a permit, 2348 02:03:11.920 --> 02:03:14.319 but most carriers don't even charge for that. There's not 2349 02:03:14.600 --> 02:03:18.239 a specific charge for having a permitted driver in the household, 2350 02:03:18.800 --> 02:03:20.600 but the only time you have to actually list them 2351 02:03:20.680 --> 02:03:22.039 is when they are licensed. 2352 02:03:22.279 --> 02:03:24.760 Hey, hey, Brian, what apps if the kid, the teenager 2353 02:03:25.399 --> 02:03:29.359 decided to, you know, take his parents' car out to 2354 02:03:29.520 --> 02:03:31.680 run down a circle k or whatever, and he gets 2355 02:03:31.720 --> 02:03:33.520 into an accident, would they have coverage? 2356 02:03:35.239 --> 02:03:38.680 Well, you're saying, like, if they were they weren't licensed. 2357 02:03:38.239 --> 02:03:41.359 And they're not. Let's say they were fifteen or sixteen, 2358 02:03:41.439 --> 02:03:42.079 it doesn't matter. 2359 02:03:43.840 --> 02:03:48.039 Yeah, here's where it gets complicated. Your insurance will cover 2360 02:03:48.680 --> 02:03:51.359 any other operator, whether they're licensed or not, if you 2361 02:03:51.479 --> 02:03:55.039 get permissive use. The problem is if you're saying, hey, 2362 02:03:55.119 --> 02:03:57.159 I didn't give this kid permissive use. He stole the 2363 02:03:57.239 --> 02:03:57.960 car and took. 2364 02:03:57.840 --> 02:04:01.000 It, so, but it's your kid, wouldn't you be liable? 2365 02:04:02.720 --> 02:04:05.279 You're libel and your insurance would step in and pay 2366 02:04:05.319 --> 02:04:07.239 for that. You're going to be covered for someone in 2367 02:04:07.319 --> 02:04:10.520 your household if they're not license, not listed on the policy. 2368 02:04:10.640 --> 02:04:13.479 That doesn't matter. You're still being liable for it. Your 2369 02:04:13.520 --> 02:04:15.000 insurance is going to extend. 2370 02:04:15.039 --> 02:04:17.479 But they might not cover the vehicle itself if it 2371 02:04:17.600 --> 02:04:18.279 was destroyed. 2372 02:04:19.800 --> 02:04:23.079 No, I think your coverage will extend fully on that. 2373 02:04:23.399 --> 02:04:26.600 The only only thing I was telling you is sometimes 2374 02:04:26.640 --> 02:04:28.439 it's not always in your best interest to say your 2375 02:04:28.840 --> 02:04:31.920 kids stole the car, because permissive use you have to 2376 02:04:32.319 --> 02:04:32.560 do you. 2377 02:04:32.680 --> 02:04:35.239 Have to if you said they stole the car, Why 2378 02:04:35.279 --> 02:04:37.520 would anyone do that? What's the benefit? 2379 02:04:37.840 --> 02:04:40.199 I think? I think the purpose they get mad, they're 2380 02:04:40.199 --> 02:04:41.840 mad that their kid took their car. I think the 2381 02:04:41.920 --> 02:04:44.119 point is if you're making a claim, you say my 2382 02:04:44.479 --> 02:04:47.239 kid took my car and got into an accident, that 2383 02:04:47.600 --> 02:04:50.159 is a very truthful statement, and your and then your 2384 02:04:50.199 --> 02:04:51.640 insurance is going to extend for that. 2385 02:04:51.760 --> 02:04:53.520 All right. I got to take this break on Tom 2386 02:04:53.560 --> 02:04:56.680 Martine three h three seven to one three talks seven 2387 02:04:56.720 --> 02:05:04.319 one three eight two five five Go with a sure 2388 02:05:04.439 --> 02:05:07.840 thing Denver's Best Roofer Excel roofing dot com. You don't 2389 02:05:07.880 --> 02:05:13.439 pay a cent until you're content than time for an 2390 02:05:13.479 --> 02:05:17.039 insurance check up, free no obligation. In comparison, call Compass 2391 02:05:17.159 --> 02:05:20.399 insurance paying too much your coverage at dozens of insurance 2392 02:05:20.439 --> 02:05:22.880 companies find out now three oh three seven to seven 2393 02:05:22.920 --> 02:05:25.680 to one help. You'll think you're his only customer when 2394 02:05:25.720 --> 02:05:28.000 you choose Frank durand the real estate man dot com 2395 02:05:28.239 --> 02:05:31.319 to list your home with Remax Alliance. Three oh three 2396 02:05:31.439 --> 02:05:41.760 nine two zero sixteen twenty two. Hi Tom Martino, your 2397 02:05:42.000 --> 02:05:45.880 troubleshooter three oh three seven one three talks seven one 2398 02:05:45.880 --> 02:05:48.520 three eight two five five. Diane's on the line. She 2399 02:05:48.560 --> 02:05:50.960 has a question for Brian from Compass Insurance Group. We've 2400 02:05:51.000 --> 02:05:55.439 had a very edifying show talking about insurance, different types 2401 02:05:55.479 --> 02:05:59.239 of coverages, what's in store for us in the future, 2402 02:05:59.760 --> 02:06:03.880 and all kinds of stuff, and doing insurance comparisons and 2403 02:06:04.000 --> 02:06:09.079 helping people dramatically save money dramatically by doing an insurance checkup. Again, 2404 02:06:09.800 --> 02:06:11.720 as I always say, you can't go wrong doing a 2405 02:06:11.800 --> 02:06:15.920 checkup because people can't say, oh that's bad if they 2406 02:06:16.000 --> 02:06:19.359 can't beat it. I mean, that would be stupid. So anyway, 2407 02:06:19.680 --> 02:06:20.680 what's going on, Diane? 2408 02:06:22.000 --> 02:06:27.760 Would you please discuss how an insurance company can offer 2409 02:06:27.920 --> 02:06:31.399 a policy and you pay for it and then they 2410 02:06:31.560 --> 02:06:36.159 have thirty days to change their mind and can't full you. 2411 02:06:37.760 --> 02:06:40.319 Yeah, go ahead, Brian, would let me bring up your 2412 02:06:40.439 --> 02:06:41.640 camera and stuff. Go ahead? 2413 02:06:41.640 --> 02:06:42.720 So yeah, they. 2414 02:06:42.800 --> 02:06:45.760 Actually most policies have sixty days. 2415 02:06:46.399 --> 02:06:50.760 It's called the contestability. Contestability or what is it called 2416 02:06:50.800 --> 02:06:51.479 the period? 2417 02:06:51.520 --> 02:06:55.039 Contestability period as well is what I look at it. 2418 02:06:55.159 --> 02:06:57.760 So they do have that ability because a lot of 2419 02:06:57.800 --> 02:07:00.439 times they'll go and inspect the home. So they're not 2420 02:07:00.520 --> 02:07:03.840 going to inspect it prior to binding coverage. They're going 2421 02:07:03.960 --> 02:07:06.680 to offer the terms of the policy. But then there's 2422 02:07:06.720 --> 02:07:08.800 that contingency in there that says they can go and 2423 02:07:08.880 --> 02:07:11.720 inspect the home to figure out if there's anything that 2424 02:07:11.840 --> 02:07:14.159 needs to be changed, if they need to increase the dwelling. 2425 02:07:14.279 --> 02:07:17.800 But okay, mitigation factors, there's all sorts of things. 2426 02:07:17.760 --> 02:07:20.000 Diane, Have you had it happen where you thought you 2427 02:07:20.119 --> 02:07:23.680 had coverage and then did not? Okay, well I have 2428 02:07:23.760 --> 02:07:26.800 a good question. Wait a minute, you bring up something 2429 02:07:26.920 --> 02:07:31.000 really important. Okay, So we're doing these insurance checkups. So 2430 02:07:31.159 --> 02:07:33.520 what if someone says, okay, I'm going to switch because 2431 02:07:33.560 --> 02:07:35.800 you can do better, and then they're contested. 2432 02:07:36.119 --> 02:07:39.239 Yep, what happens? Then, bro, it absolutely can happen. 2433 02:07:39.439 --> 02:07:44.840 And so if well, what happens, here's what my advice is. Usually, Tom, Yes, 2434 02:07:44.960 --> 02:07:47.039 go ahead, die, Tom. 2435 02:07:47.159 --> 02:07:47.920 It did happen. 2436 02:07:48.079 --> 02:07:51.199 So I went through this whole thing about a year ago, 2437 02:07:52.079 --> 02:07:52.840 and did you. 2438 02:07:52.880 --> 02:07:55.479 Go through it with compass? Did you go through it 2439 02:07:55.560 --> 02:07:59.680 with compass? Diane? Okay? And they said they and they 2440 02:07:59.760 --> 02:08:00.680 said they can get you. 2441 02:08:02.079 --> 02:08:07.760 Auto Owners accepted us. And then what they contested was 2442 02:08:07.960 --> 02:08:11.840 my neighbors lived a mile away. 2443 02:08:13.680 --> 02:08:14.760 That was their. 2444 02:08:14.880 --> 02:08:17.560 Excuse, your neighbors, what nice. 2445 02:08:17.479 --> 02:08:22.600 Homes live a mile away. We have a really nice home. 2446 02:08:23.239 --> 02:08:26.800 We haven't had any claims in over ten years. 2447 02:08:27.600 --> 02:08:30.840 But they what was it about your neighbor that they 2448 02:08:31.479 --> 02:08:34.119 What was it about your neighbor's coverage? I don't understand. 2449 02:08:34.600 --> 02:08:35.760 She's in a rural area. 2450 02:08:36.039 --> 02:08:41.199 Neighbor's coverage. The neighbor lived over a mile away, and 2451 02:08:41.359 --> 02:08:44.800 they were worried if there was a fire or something, 2452 02:08:45.399 --> 02:08:46.520 no one would know. 2453 02:08:48.399 --> 02:08:48.880 Is what happen? 2454 02:08:49.199 --> 02:08:53.239 There was no other homes in close proximity. Okay, exactly. 2455 02:08:54.479 --> 02:08:57.119 Yeah, but generally when I but Tom to give you 2456 02:08:57.199 --> 02:09:00.199 an idea, So what was the result, I mean, you know, 2457 02:09:00.359 --> 02:09:02.399 I need to know the result. What was the result. 2458 02:09:02.640 --> 02:09:04.399 So this was the result. 2459 02:09:04.560 --> 02:09:08.800 So I had all State and so I listened to 2460 02:09:08.960 --> 02:09:12.640 you and I did the compass, and they got us 2461 02:09:12.800 --> 02:09:17.880 Auto Owners, and my auto policy was more than all State, 2462 02:09:18.039 --> 02:09:21.680 but my house was better. So I was like, let's 2463 02:09:21.800 --> 02:09:22.439 go for it. 2464 02:09:23.119 --> 02:09:24.560 So then what happened. 2465 02:09:24.880 --> 02:09:29.840 It came back that they declined us after thirty sixty 2466 02:09:30.000 --> 02:09:35.319 days whatever because the neighbor was too far away. And 2467 02:09:35.439 --> 02:09:38.920 then I ended up having to go with someone else 2468 02:09:39.479 --> 02:09:43.880 because Compass couldn't help. And now I had Foremost on 2469 02:09:44.039 --> 02:09:48.359 the house and safe Co on the vehicles, and I think, 2470 02:09:48.479 --> 02:09:49.600 what was your net result? 2471 02:09:49.720 --> 02:09:53.560 What was your net result as far as your expenses? 2472 02:09:55.359 --> 02:10:00.800 I have to pay more now for Foremost, and and 2473 02:10:00.960 --> 02:10:07.640 I did for all stakes and obviously all the auto owners. 2474 02:10:08.199 --> 02:10:11.520 Like I said, the auto was a little expensive. 2475 02:10:11.079 --> 02:10:12.600 For that house. 2476 02:10:12.880 --> 02:10:13.760 Was I got it? 2477 02:10:13.960 --> 02:10:17.119 No, I got it, Diane, Listen, this is the first 2478 02:10:17.159 --> 02:10:19.199 time we ever heard of this. And I assure you 2479 02:10:19.800 --> 02:10:21.800 there's a big there's a big chunk here. 2480 02:10:21.920 --> 02:10:25.399 I just went through this with Brian, and I called 2481 02:10:25.479 --> 02:10:28.239 up and my renewal was Safeco was going to be 2482 02:10:28.439 --> 02:10:32.079 X amount higher like everybody else's. He shopped everybody else 2483 02:10:32.520 --> 02:10:35.479 and basically Safeco was the best. So I went outside 2484 02:10:35.920 --> 02:10:39.479 and got a bid from State Farm. The State Farm 2485 02:10:39.640 --> 02:10:41.720 came back a little cheaper, and I send it over 2486 02:10:41.800 --> 02:10:44.359 to Brian to look at and he goes, yeah, that's 2487 02:10:44.560 --> 02:10:47.119 just a hairbit better than this, but he goes, here's 2488 02:10:47.159 --> 02:10:50.279 what I would do. He goes, don't cancel anything you 2489 02:10:50.399 --> 02:10:54.560 got with us until after you have it's binded, and 2490 02:10:54.760 --> 02:10:57.399 then you cancel and you can cancel as a day. 2491 02:10:57.319 --> 02:10:59.640 Of so you get a full refle Why did we'll 2492 02:10:59.680 --> 02:10:59.880 do that? 2493 02:11:00.039 --> 02:11:00.840 Would do it? 2494 02:11:01.880 --> 02:11:01.920 What? 2495 02:11:03.199 --> 02:11:03.239 So? 2496 02:11:05.000 --> 02:11:07.239 Is that what you do most of the time? Brian, Yeah, 2497 02:11:07.359 --> 02:11:09.680 hold on, hold on, Diane, just wait a second. I 2498 02:11:09.720 --> 02:11:13.119 want to make sure this doesn't happen again. So so 2499 02:11:13.239 --> 02:11:13.840 go ahead. Brian. 2500 02:11:13.920 --> 02:11:14.119 Yeah. 2501 02:11:14.239 --> 02:11:18.079 So what usually should be the recommendation is exactly what 2502 02:11:18.359 --> 02:11:20.960 Mark is saying there is I'll tell someone if, especially 2503 02:11:21.000 --> 02:11:22.159 if it's a fire. 2504 02:11:22.000 --> 02:11:25.000 Area or a rural area, do not cancel. 2505 02:11:25.119 --> 02:11:28.479 Don't cancel until we know it gets through that inspection period. 2506 02:11:28.520 --> 02:11:30.920 It sounds like that's not what happened to Diane. So Diane, 2507 02:11:30.960 --> 02:11:33.560 I'm so sorry you went through that, because that's not 2508 02:11:34.079 --> 02:11:36.800 that's definitely not what we intend if we're going to 2509 02:11:36.840 --> 02:11:39.199 find you a better deal, if we don't think it's 2510 02:11:39.319 --> 02:11:41.880 solid and we think it's an area where you're going 2511 02:11:41.960 --> 02:11:44.960 to have inspection issues or something else, I'll always tell people, 2512 02:11:45.079 --> 02:11:47.760 don't cancel your current insurance until we know it goes through. 2513 02:11:47.960 --> 02:11:50.279 How often do you think it does happen though. 2514 02:11:50.439 --> 02:11:53.199 Oh, we get it for our own customers, especially in 2515 02:11:53.279 --> 02:11:56.600 this market where like Mark's talking about, the rates are 2516 02:11:56.640 --> 02:11:58.920 going up and so the renewal rates are going up 2517 02:11:59.039 --> 02:12:01.159 quite a bit. And will say, well, I found a 2518 02:12:01.199 --> 02:12:04.399 better deal with X, you know, insurance company, and I'll 2519 02:12:04.439 --> 02:12:07.920 tell them, don't cancel your insurance until it goes through. 2520 02:12:08.079 --> 02:12:09.720 And I can't tell you how often. 2521 02:12:09.800 --> 02:12:12.800 But then then can you literally then? But but then 2522 02:12:12.880 --> 02:12:18.199 from the period for the contestability period, are you double insured? 2523 02:12:18.359 --> 02:12:21.159 You can always backdate that cancelation. The only thing you'll 2524 02:12:21.159 --> 02:12:24.720 have to do is provide proof that you had insurance. Okay, 2525 02:12:24.920 --> 02:12:27.960 your insurance company can backdate that cancelation. 2526 02:12:28.399 --> 02:12:30.920 You know, Diane, thank you so much for calling on this. 2527 02:12:31.199 --> 02:12:36.000 I mean, you know, but wonder to go through. 2528 02:12:36.640 --> 02:12:39.399 And now I'm with somebody. 2529 02:12:39.119 --> 02:12:43.199 Else now, but it was but to give them give 2530 02:12:43.279 --> 02:12:45.960 them another chance. I swear to you, give them another chance, 2531 02:12:46.000 --> 02:12:49.199 and maybe they can they can somehow figure this out 2532 02:12:49.319 --> 02:12:52.760 what happened and all that. I mean, look at obviously 2533 02:12:53.479 --> 02:12:55.880 what happened. That it's a weird market right now. It 2534 02:12:56.039 --> 02:12:59.720 truly is a weird market. And I'm not making excuses, 2535 02:12:59.760 --> 02:13:04.640 but it really is. And I assure you something happened 2536 02:13:04.680 --> 02:13:06.479 there where they would have said, you know, hang on 2537 02:13:06.560 --> 02:13:09.720 to your coverage. Something was as odd though about how 2538 02:13:09.800 --> 02:13:12.840 they looked at the underwriting and if somebody called you 2539 02:13:12.920 --> 02:13:15.359 about that, Brian, can you talk to the underwriters about 2540 02:13:15.359 --> 02:13:15.920 stuff like that? 2541 02:13:16.239 --> 02:13:19.000 Well, yeah, I mean, if it's outside of our we 2542 02:13:19.039 --> 02:13:19.960 don't make the old time. 2543 02:13:20.000 --> 02:13:22.199 No, of course you don't. But you can say I 2544 02:13:22.279 --> 02:13:24.119 think you got this wrong though, I mean, or. 2545 02:13:24.159 --> 02:13:26.119 We'll bring case to them and say, hey, hold on 2546 02:13:26.199 --> 02:13:29.119 a second. Here, here's pictures of the property here, and 2547 02:13:29.880 --> 02:13:32.600 in her case, there's no other homes around. Well, what 2548 02:13:32.880 --> 02:13:35.359 is the fire risk? What is there mitigation we can 2549 02:13:35.399 --> 02:13:37.680 do around her property? Is this a second home where 2550 02:13:37.720 --> 02:13:39.439 you're not there most of the time. I mean, there's 2551 02:13:39.479 --> 02:13:42.720 all sorts of questions that I obviously don't know Diane's 2552 02:13:42.760 --> 02:13:44.880 last name right now, so I haven't looked her up 2553 02:13:44.920 --> 02:13:48.000 to find out what the details of her her problem was. 2554 02:13:48.560 --> 02:13:50.319 Do you want him to look it up? Diane? 2555 02:13:52.600 --> 02:13:54.920 It was about last year? 2556 02:13:55.319 --> 02:13:57.359 March is February March. 2557 02:13:58.000 --> 02:14:01.680 And Diane, can you can you let's get your let's 2558 02:14:01.720 --> 02:14:03.479 get your last name and number off the air and 2559 02:14:03.720 --> 02:14:04.640 have Brian look at it. 2560 02:14:04.760 --> 02:14:06.239 Okay, I'd like to just see what happened. 2561 02:14:06.359 --> 02:14:06.479 Man. 2562 02:14:06.680 --> 02:14:09.960 Our our sponsors are golden. You know that they would 2563 02:14:10.039 --> 02:14:12.960 never do anything that ever you cause a problem, and 2564 02:14:13.159 --> 02:14:15.960 so so just hang on, Kelly, get this to Brian 2565 02:14:16.039 --> 02:14:16.640 Burns for me. 2566 02:14:16.800 --> 02:14:17.039 Thanks. 2567 02:14:17.359 --> 02:14:20.439 Three oh three seven one three talk seven one three 2568 02:14:21.000 --> 02:14:28.960 eight two five five. Hi Tom Martino, you're a troubleshooter. 2569 02:14:30.000 --> 02:14:34.359 Jim says his brother lost his home in California. Man, 2570 02:14:34.680 --> 02:14:38.800 am I sorry? And he has a question for Brian. Okay, Jim, 2571 02:14:39.000 --> 02:14:39.600 what's going on? 2572 02:14:41.560 --> 02:14:41.720 Oh? 2573 02:14:41.840 --> 02:14:46.479 Yeah, my brother and his wife lost their home in Altadena, California, 2574 02:14:47.359 --> 02:14:53.039 and it's a total loss. At their age, he's eighty three. 2575 02:14:54.119 --> 02:15:02.800 They are not rebuilt, so they did have extended replacement 2576 02:15:02.960 --> 02:15:08.159 cost coverage. Does that apply even though they will not rebuild. 2577 02:15:10.079 --> 02:15:13.760 No, most policies, if they have a cash out option, 2578 02:15:14.520 --> 02:15:17.920 which that is going to be you know, unique to 2579 02:15:17.960 --> 02:15:20.399 their policy, if that's even an option for them, where 2580 02:15:20.399 --> 02:15:23.279 if they choose not to rebuild they can just cash out. 2581 02:15:23.880 --> 02:15:27.039 It's usually limited only to the dwelling limit, so they 2582 02:15:27.239 --> 02:15:30.640 even if they have the extended replacement cost they won't 2583 02:15:30.880 --> 02:15:33.680 give that on a cash out basis. Does that make sense? 2584 02:15:34.760 --> 02:15:34.960 Yes? 2585 02:15:36.359 --> 02:15:38.800 And I assume the same thing is true for building 2586 02:15:38.920 --> 02:15:43.159 code upgrade insurance, which they had, which won't help them. 2587 02:15:44.119 --> 02:15:47.439 I assume, right if you're not rebuilding the house, then 2588 02:15:47.520 --> 02:15:51.560 they'll they'll most likely cap the amount that they'll pay 2589 02:15:51.760 --> 02:15:55.039 up to that dwelling limit. Whatever that dwelling limit is. 2590 02:15:56.880 --> 02:16:08.520 Right, and they've got additional living expenses. They've got coverage 2591 02:16:08.600 --> 02:16:11.119 up to one hundred and eighty four thousand dollars with 2592 02:16:11.319 --> 02:16:22.600 Safegal up to two year limit I believe, right, But 2593 02:16:23.199 --> 02:16:27.319 expenses comes out of that too. I assume right now 2594 02:16:27.359 --> 02:16:28.199 they're staying in all. 2595 02:16:28.159 --> 02:16:32.360 It does, but before they I would just tell you 2596 02:16:32.520 --> 02:16:34.920 before they did make that decision to say, hey, we're 2597 02:16:35.000 --> 02:16:39.239 cashing out, the problem with that could be with that 2598 02:16:39.319 --> 02:16:43.120 additional living expense. Once the they cash out, they've been 2599 02:16:43.159 --> 02:16:46.200 paid in full, and I don't know whether that additional 2600 02:16:46.280 --> 02:16:50.200 living expense will continue on. So I would I would 2601 02:16:50.200 --> 02:16:54.280 advise them to think through their options before just settling 2602 02:16:54.399 --> 02:16:58.040 on that and find that part out, like how long 2603 02:16:58.120 --> 02:17:02.719 will the additional living extensive expenses extend if they choose 2604 02:17:02.760 --> 02:17:04.000 to cash out on the dwelling. 2605 02:17:05.680 --> 02:17:09.120 Okay, that's good information, yeah. 2606 02:17:08.959 --> 02:17:12.639 Because you can think that the basis of that coverage 2607 02:17:12.879 --> 02:17:16.239 is to be there while they're rebuilding the home. That's 2608 02:17:16.280 --> 02:17:19.399 the idea behind additional living expenses. It's to give them 2609 02:17:19.520 --> 02:17:22.200 money while their home is being rebuilt. And if the 2610 02:17:22.280 --> 02:17:26.120 insurance company is going to pay out the total value 2611 02:17:26.200 --> 02:17:28.920 of the home and just say we're not rebuilding, then 2612 02:17:29.559 --> 02:17:32.600 there's going to be a limitation to that additional living expense. 2613 02:17:37.239 --> 02:17:40.959 Okay, anything else, sir? 2614 02:17:42.479 --> 02:17:46.159 And do you have any idea of what square foot 2615 02:17:46.319 --> 02:17:49.680 costs are to rebuild in California at this time? 2616 02:17:50.280 --> 02:17:50.440 Oh? 2617 02:17:50.600 --> 02:17:53.360 Man, Now you know the problem is going to be 2618 02:17:53.719 --> 02:17:57.360 it's going to skyrocket unfortunately, just like we saw here 2619 02:17:57.440 --> 02:18:01.280 in Colorado when the boulderfires occurred. You know what was 2620 02:18:01.479 --> 02:18:03.799 going to cost, let's say two hundred of square foot 2621 02:18:03.920 --> 02:18:07.040 went up to four hundred of square foot overnight because 2622 02:18:07.799 --> 02:18:13.319 there's such a huge demand for contractors and supplies that 2623 02:18:14.079 --> 02:18:17.840 it's going to go up exponentially from what it would 2624 02:18:17.879 --> 02:18:20.000 have been before. So if it was a one house 2625 02:18:20.120 --> 02:18:23.680 that was damaged, the cost would be way lower than 2626 02:18:23.719 --> 02:18:25.479 what it's going to be now because there's going to 2627 02:18:25.479 --> 02:18:26.200 be such a demand. 2628 02:18:26.280 --> 02:18:28.319 So I really going to be five or six it's 2629 02:18:28.319 --> 02:18:32.479 going to be, yeah. 2630 02:18:33.200 --> 02:18:37.159 But capped at their policy limit, well. 2631 02:18:38.559 --> 02:18:40.680 Not if you have extended replacement costs, but if you 2632 02:18:40.840 --> 02:18:44.159 cash out, yes, they're not. They're not going to include 2633 02:18:44.239 --> 02:18:47.959 that extended replacement cost because it's the way the policies 2634 02:18:48.000 --> 02:18:51.200 are written. That's based off of rebuilding the home. So 2635 02:18:51.879 --> 02:18:53.920 if they were to rebuild the home and they have 2636 02:18:54.079 --> 02:18:57.280 fifty extended replacement costs, then their dwelling limit would be 2637 02:18:57.360 --> 02:18:58.399 extended by that amount. 2638 02:19:00.040 --> 02:19:04.079 All right, now, hang on, we'll come back to Greg. 2639 02:19:04.959 --> 02:19:07.200 I want to mention something. Somebody did message me and 2640 02:19:07.239 --> 02:19:11.479 I'm so sorry, thank you, sir. And somebody did message 2641 02:19:11.559 --> 02:19:14.799 me and said, Tom, you said you would personally talk 2642 02:19:14.840 --> 02:19:18.200 to us about finances or just an overviewer, just if 2643 02:19:18.239 --> 02:19:21.200 we had questions to pick your brain with no obligation. 2644 02:19:21.399 --> 02:19:24.959 That's absolutely true, people, absolutely true. And I didn't give 2645 02:19:25.000 --> 02:19:27.360 out the information on the on the number. I'm going 2646 02:19:27.440 --> 02:19:29.680 to tell you how we do it. It's for Wave 2647 02:19:29.760 --> 02:19:34.360 eight Wealth Management, my company financial advisement that I made public. 2648 02:19:34.760 --> 02:19:36.680 And this is not to convince you to be a 2649 02:19:36.760 --> 02:19:40.399 client at all. In fact, there's no obligation, not even close. Look, 2650 02:19:40.520 --> 02:19:43.600 after all this time in my life, I'm truly you 2651 02:19:43.680 --> 02:19:46.799 know what BS never works. You know you got to 2652 02:19:46.840 --> 02:19:49.479 be sincere. I want to help people even if you 2653 02:19:49.680 --> 02:19:52.719 never do anything with me. So I'm going to work 2654 02:19:52.760 --> 02:19:55.799 out time to talk to you guys, because that's what 2655 02:19:55.879 --> 02:19:58.159 I promised. I've pledged through my company. So here's what 2656 02:19:58.239 --> 02:20:00.479 I want you to do. If you text me at 2657 02:20:00.520 --> 02:20:04.200 this number, I will make an arrangement through texting to 2658 02:20:04.360 --> 02:20:07.440 call you and then we'll talk. Okay, and we can 2659 02:20:07.479 --> 02:20:09.399 do it either on a phone or we can do 2660 02:20:09.479 --> 02:20:12.319 a zoom. Here's the text number. Just say Tom, I 2661 02:20:12.399 --> 02:20:14.760 want to talk about finances. This is if you just 2662 02:20:14.840 --> 02:20:16.959 want to talk and you just have a question or 2663 02:20:17.000 --> 02:20:23.120 two seven four seven nine nine nine fifty two eighty. 2664 02:20:23.399 --> 02:20:26.799 Now that is a personal Google number that comes directly 2665 02:20:27.000 --> 02:20:32.760 to me. Seven four seven nine fifty two eighty. Listen. 2666 02:20:33.200 --> 02:20:38.959 There is nothing nothing but pure meaning here. I want 2667 02:20:39.000 --> 02:20:43.600 to help you, Okay, just answer any questions. I've made 2668 02:20:43.680 --> 02:20:47.799 so many mistakes. The important thing is you know I'm learning, 2669 02:20:48.520 --> 02:20:50.479 and I've learned a lot and I want to help 2670 02:20:50.920 --> 02:20:54.879 seven four seven nine nine nine fifty two eighty more. 2671 02:20:54.959 --> 02:21:00.559 Coming right up? All right, Tom Martina here three oh 2672 02:21:00.600 --> 02:21:02.600 three seven one three talk seven one three eight two 2673 02:21:02.639 --> 02:21:04.959 five five. Hey, Mark Craig says he's working with you 2674 02:21:05.040 --> 02:21:12.200 with a rap Hokia. What's going on, Craig, Craig appreciate it. 2675 02:21:13.520 --> 02:21:14.360 Yes, yeah, you. 2676 02:21:14.479 --> 02:21:17.360 Dropped off your vehicle. You dropped off your vehicle at 2677 02:21:17.399 --> 02:21:22.200 a wrap Hokia October sixteenth, and you needed a tranny. 2678 02:21:23.520 --> 02:21:25.319 So it wasn't going out of fourth year. But when 2679 02:21:25.360 --> 02:21:27.799 they put the training in you still had problems. And 2680 02:21:27.920 --> 02:21:30.280 it turns out you needed a PCM mark. Do I 2681 02:21:30.360 --> 02:21:30.799 have that right? 2682 02:21:30.840 --> 02:21:30.959 Bro? 2683 02:21:32.280 --> 02:21:32.440 Yeah? 2684 02:21:32.520 --> 02:21:34.799 But it's way passing and it's to the point can 2685 02:21:34.840 --> 02:21:38.399 you hear me, yes, sir, Yeah, so it's to the 2686 02:21:38.520 --> 02:21:42.680 point where it's finished. It turned out it was the transmission, 2687 02:21:43.040 --> 02:21:46.719 but they're also saying he needed a computer. 2688 02:21:47.360 --> 02:21:50.479 I have got a couple messages into the service manager 2689 02:21:50.840 --> 02:21:56.520 and the dude's just simply not calling back. Okay, so 2690 02:21:56.639 --> 02:21:57.319 what do we do now? 2691 02:22:00.040 --> 02:22:02.760 Car was the car was real quick. The car was 2692 02:22:02.840 --> 02:22:08.719 done Thursday the night. But then I says, what about 2693 02:22:08.760 --> 02:22:11.920 the skid plate? Did you put this that that said 2694 02:22:12.000 --> 02:22:14.559 four by four foot piece of goos underneath. 2695 02:22:14.200 --> 02:22:18.879 To the motor? Yeah we get it, yeah, yeah, yeah, yeah, Oh. 2696 02:22:18.959 --> 02:22:23.639 We forgot about that. We forgot about that. I'm so apologized. 2697 02:22:24.159 --> 02:22:26.760 So now they had to order it. They got it in, 2698 02:22:27.520 --> 02:22:28.120 and they got it. 2699 02:22:28.399 --> 02:22:30.520 Where's the old one? Where's the old one? 2700 02:22:32.639 --> 02:22:35.799 Uh, the old one was scrapped or whichever. 2701 02:22:35.959 --> 02:22:36.479 I don't. 2702 02:22:38.479 --> 02:22:43.639 Scrapped. Okay, it was a bad shape, just you know, 2703 02:22:43.840 --> 02:22:44.440 speed bump. 2704 02:22:44.600 --> 02:22:47.000 So, but it did turn out that you needed it 2705 02:22:47.159 --> 02:22:50.280 did turn out that you did need a transmission. 2706 02:22:52.440 --> 02:22:54.479 Yeah, so they put a second transmission. 2707 02:22:54.479 --> 02:22:57.159 All right, hold on, all right, hold on, hold on, 2708 02:22:57.680 --> 02:23:00.360 hold on. We're gonna take this up tomorrow and figure 2709 02:23:00.399 --> 02:23:03.719 this out. I'm Tom Martino. Don't forget Compass Insurance, free 2710 02:23:03.719 --> 02:23:07.120 insurance Checkups. Three oh three, nine ninety six nine thousand, 2711 02:23:07.200 --> 02:23:10.600 three oh three nine nine six, nine thousand, Thanks for 2712 02:23:10.719 --> 02:23:11.879 being here more tomorrow