November 13, 2025 • 15 mins
For Colbert Court, Attorney Glenn Klausman brings us the case of Jack and Jill, who are engaged and share an apartment with their friend, Christina. Jack shopped for car insurance on their new Ford Mustang, but did not include Christina because she has her own. However, two months later, Jack was in a car accident caused by someone who had the minimum required insurance. The new Mustang needs over $20,000 in repairs but his insurance company has refused to pay anything.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:03):
Guys, Seriously, oreos come in a tray inside of a bag.
Just because they put a specialized resealable hole on top
of the bag, okay and modified, it doesn't make it
any less of a bag.
Speaker 2 (00:15):
It's a bag.
Speaker 1 (00:16):
May you lay flat that withholds a tray full of warriors.
You can even open it from the end and slide
the oreos out like we used to back in the day.
Speaker 2 (00:25):
Right, Jimmy, you remember, I do?
Speaker 3 (00:27):
I guess.
Speaker 2 (00:27):
I hope you guys are doing well. Yeah, so I
have to agree that is a bag.
Speaker 4 (00:31):
The orio thing is a bag because if you take
out the plastic container from inside it, close it, it
wraps up as a bag. When you leave the plastic
container inside, it's just a.
Speaker 2 (00:40):
More aerodynamic bag. Thanks, bye bye, Yeah, thanks Jimmy.
Speaker 5 (00:44):
All right, welcome back to me, Jim Colbert show win
is your fourth like keyword wi in Go to your
real radio dot at him and send that off for
your chance at one thousand bucks. Jim, there's deb Jack
and Rosser here as well. Let's do Colbert Court.
Speaker 6 (00:55):
When you are listening to is reel well sort of.
The participants are not actors as a fact. This is however,
a real case that will be decided here in our forum,
the Colberg Court.
Speaker 5 (01:07):
That's right, the cor Re Court, brought to you by
Klosman Law. That's k l a U s m a
in law dot com office is right there. In winter
Park four oh seven nine to one, seven seventeen eighteen
car crash called Klasman guys good low for mister.
Speaker 2 (01:18):
Glenn Clawsman in black.
Speaker 5 (01:22):
I said the same thing I said the same days.
We rarely see you in black. He looks tough, he does.
Speaker 2 (01:27):
I am tough. You have a very hemming way feel
about you today. But now he not that tough.
Speaker 7 (01:30):
Someone just texted us at seven seven zero three one
and said, my kid, my kid just said, Santa's on YouTube.
Speaker 4 (01:37):
All right, all right, I'm working on it. I'm lead
it very good, a little bigger. I'm working on it,
very good.
Speaker 5 (01:41):
Un Here Glenn Clawman, personal injury attorney here in central
Florida for many, many, many years, providing great services and
advice to people to get them out of really tough situations.
He's helped so many people on this show. Not to
mention other people in Orlando, and uh, we bring this
to you just to kind of give you a better
idea of how insurance coming thinking work, so that when
(02:01):
you're in an accident, you have a better idea of
what to do actually, and even before the accident, have
a better way to repair yourself so that you have
the least amount of pain possible.
Speaker 4 (02:10):
Yeah, we tried to do a segment to help people.
I mean that's the bottom line.
Speaker 2 (02:13):
That really is the bottom line.
Speaker 5 (02:14):
Yeah, yeah, let's help people do that. That looks good
on you. Should wear more black, you do. You look
very stowic. You have a very judgy kind of feel
about you today.
Speaker 2 (02:23):
Dude a funny. I thought he looked more like a
hired killer. He's a legal hired killer.
Speaker 7 (02:29):
Look at your jersey coming out.
Speaker 5 (02:31):
All right, So we're going to read this case, and
as normal here for Cobra Court, we'll go around the
room faticus. Very nice. We'll go around the room and
try to figure it out on our own. When we fail,
and we usually do, we'll turn it over to Glenn
and I find out what's going on.
Speaker 2 (02:44):
Glenn. Is this the case you have?
Speaker 4 (02:45):
It's an interesting fact scenario someone called me about.
Speaker 2 (02:47):
Okay, very good. Are you guys ready ready? All right?
Speaker 5 (02:50):
Jack and Jill are engaged and share a two bedroom
apartment with Christina.
Speaker 2 (02:55):
Apparently going up the hill worked out Jack.
Speaker 5 (02:58):
Shop for car insurance on their new Mustang, and Jack
completed the insurance application that requested the names.
Speaker 2 (03:04):
Of all the household residents.
Speaker 5 (03:07):
Because Christina had her own car insurance, Jack did not
list Christina on the insurance application.
Speaker 2 (03:14):
Jack bought full coverage.
Speaker 5 (03:16):
Two months later, Jack was in a car accident caused
by someone who had the minimum required insurance. The new
Mustang needs over twenty thousand dollars in repairs. Jack and
Jill's insurance company has refused to pay anything because Jack
failed to list their roommate Christina on the insurance application. Instead,
(03:37):
the insurance company refunded Jack's premiums and said the policy
is void. Can the insurance company get away with this?
We've danced with this devil before she had insurance and
that's the kind of that's the excuse I used not
(03:59):
to let's speak then, yeah.
Speaker 2 (04:01):
Go ahead.
Speaker 7 (04:02):
They you know, technically she had her own name because
they weren't engayre gay.
Speaker 2 (04:07):
They're not family, they're not family. Renting a place, yeah.
Speaker 4 (04:11):
Yeah, they run an apartment. Does she pay rent Jack
and Jill? Yeah, she pays the shack and Jill pay
their share. Christina pays her share.
Speaker 2 (04:18):
Okay, so they're all roommates. Well yeah, they're roommates. Yeah yeah,
Well that changes everything dramatically, does it not?
Speaker 5 (04:25):
I mean, because, I mean, if you're a grown ass
adult and you live with another group of people, and
you have your own life, and you literally just live there,
why would you need to include those.
Speaker 2 (04:33):
People who have no impact on your life? Because they have.
Speaker 5 (04:35):
Access to your car, because it's part of the part
of that household, they could possibly have access to your car. Theoretically,
that means that Christina could leave her keys, or Jack
and Jill could leave their keys, and one of the
other could take the car and drive it without the
permission and cause an accent.
Speaker 2 (04:49):
But I asked a question for the call. Absolutely, this
is always a fun part.
Speaker 8 (04:53):
Have you ever seen the movie You've Gotten mailed?
Speaker 2 (04:55):
Oh that's the one you finally picked.
Speaker 8 (04:57):
I've seen Tom Hanks me Ryan on the Harazon of
digital messaging. Everybody's seen that.
Speaker 2 (05:07):
Yeah, yeah, yeah, we got it.
Speaker 8 (05:09):
What I'm trying to get at is that I believe
that if they all roommates, then they are all having
the same address. They all have the same snail mail address.
You go ahead and you show that your male has
the same address. Boom, whoopsie daisies, you are now on
that insurance policy.
Speaker 2 (05:28):
That like if your it's not.
Speaker 8 (05:34):
Well, what I'm shooting for is that if you look
at their male you could prove that they all roommates
and that like they are underneath the same insurance policy
by showing that they have the same address with their mail.
Speaker 5 (05:43):
And by the way, Jack and Jill are not married, correct,
sin they're engaged, they're not married, And I wonder if
that has an impact because they mentioned it. Why would
you mention that they're not married if it didn't have
an impact on the case.
Speaker 4 (05:55):
Well, in this particular situation, they're both on the Mustang
as owners, so it does not have any impact. It
does have no impact because they're both on this. They're
both on they're both on a policy that they're both
owners of the Mustang.
Speaker 2 (06:06):
So that's not an issue.
Speaker 5 (06:07):
Isn't there Like there has to be some kind of
assumed idea of adulthood here and stick with me. Uh,
the idea that they are autonomous people living under one
roof doesn't really make them responsible or not responsible for
each other's actions just because they live under a roof together,
they pay separate rent, they have separate everything, They split
everything down the middle. I can't imagine how the insurance
(06:28):
company can make a cogent argument that that person's actions
have anything to do with yours. So in my short case,
I would say that there is an argument against their
insurance company because these are like this is like three
or two separate businesses under the same roof.
Speaker 4 (06:44):
Yeah, here's what the insurance company will say. They will say,
if Christina is in your Mustang and they Mustang gets
in an argument and Christina is hurt, then your coverage
would be available for Christina, even though she has her
own policy. You have on Insurre motorist coverage and it
would cover Christina also. So because of that situation, if
(07:06):
we knew she was living with you, we would have
charged a higher premium because you've increased our risk as
the insurance company.
Speaker 2 (07:12):
That's what they're going to claim.
Speaker 5 (07:14):
Well, they can claim everything they want. Well, I mean
that's that's that is a fact that could happen. Yeah,
but I mean it could be a it could be
a fact that she could live across the street, and
that saying that could happen.
Speaker 2 (07:23):
That's true. Yeah, I think she could sleep in the
backyard and they could appen.
Speaker 3 (07:26):
But you could if you identify her as living there
but then have her excluded from your policy.
Speaker 4 (07:31):
Oh, that'd be That would have been a great move.
We wouldn't be here today, right this question? That would
have been That would have been the thing to do.
Speaker 2 (07:38):
Right on it. Did not even know that that was
an option. Did not either.
Speaker 3 (07:40):
Yeah, I had to do that for my oldest when
she was away at school. It was like they're like,
I'm like, yeah, she lives here, but she's not here anymore,
right right?
Speaker 2 (07:50):
RYA, Wow, so does that So?
Speaker 7 (07:52):
Someone texted us a question, Glenn, asking if all college
students have to list their roommates on their car insurance
or you know, maybe some older adults who find that
living on their own isn't you know, financially feasible, so
they too have a roommate. Is this something you have
to do, regardless of whether your family or not.
Speaker 4 (08:11):
No, No, great questions, great questions. The college situation is
usually much different. Usually, if the college person has his
own policy and he happens to have a roommate, they
probably should list someone of its Most college kids are
still on their parents' policies the way you know from
my experience. But if you're an adult and you rent
(08:33):
an apartment with another adult and you apply for insurance,
the questionnaire is going to ask you does anybody else
live in that household with you? And you should say
yes to avoid the situation that Jack and jillerin that's
going to require litigation that we don't know for sure
how it's going to turn out.
Speaker 7 (08:50):
But you have to say that this person, even though
they live in the same house, will be excluded from
my auto policy.
Speaker 4 (08:57):
If you say they're excluded, then there's no questions, there's
no problem, no problems.
Speaker 2 (09:01):
You say they're excluded, Do you have to write that
or is there.
Speaker 4 (09:03):
A problem point?
Speaker 2 (09:04):
And Jack, yeah, yeah.
Speaker 4 (09:04):
When you when you get the insurance, you there is
an option to exclude a driver, and you exclude that
person from driving your vehicle.
Speaker 2 (09:12):
But they're not covered. They're not covered.
Speaker 3 (09:14):
You know, you're slump and you're blocking them in. They
get your keys, they move out, and then they hit
the car across the street.
Speaker 2 (09:21):
Your car is not covered. Damn.
Speaker 4 (09:23):
Yeah, well, well the other they could be covered. You
can exclude them as a driver, and they potentially could
be covered as a passenger, which that makes this this
is it becomes such a husing scenario.
Speaker 7 (09:35):
Yeah, I wouldn't imagine that insurance companies deliberately make it confusing, though.
Speaker 5 (09:41):
Right, Oh wow, let me let me, let me let
me spit a maybe at you. Let's just say that
two loving parents have allowed their son to move back
in so they can finish so he can finish college.
Let's just say that's the case. Let's say that the
sun really doesn't really pay rent. He does some stuff
around the house just to kind of make it good
because you know, they're so nice to allow him to
live there while he finishes up his college career.
Speaker 4 (10:02):
Sounds like he's part of that person's household.
Speaker 5 (10:06):
So what you're saying is the people who are allowing
that son to live with them should go to their
insurance policy and check the box and says, yeah, he
lives here, but he's not on our insurance because he's
got his own policy for his own vehicle.
Speaker 4 (10:16):
Right, you should let your insurance company know that you
want to whoever it is, should let their insurance company
know that this person just happens to be living with us,
and we want to make sure he's excluded so that
we don't have a problem with our insurance coverage if
there's an accident.
Speaker 2 (10:32):
So it's yeah, yeah, yeah.
Speaker 3 (10:34):
If this son then drives, he's excluded, but then drives
the car of one of the parents and god forbid,
has an accident, the fact that he has his own
insurance covers that, and the insurance of the parents does
not come into play.
Speaker 4 (10:51):
Well, here's what happens. If he's excluded as a driver
and he has permission to use the vehicle and causes
an accidents, insurance company might say we're not going to
cover it.
Speaker 2 (11:02):
So that'd be real problem. Yeah yeah, yeah.
Speaker 5 (11:05):
Yeah, Jim, I'm just saying I'll make a call today
and I'll let those people know.
Speaker 2 (11:09):
Yeah, we don't want to get them in.
Speaker 5 (11:11):
The situation where yeah, is it also work this recipable way,
Like I mean, if this would have happened in Christina
would have been the one in the situation, it would
be the exact same thing.
Speaker 4 (11:22):
It could be. It could be. I mean, there are
arguments we can make. I've had cases like this where
I pursued them when we were able to win because
there's certain arguments you could make. There's certain things the
insurance company has to do when they want to deny
coverage and give somebody their money back, that they've got
all kinds of you know, rules they've got to follow.
Sometimes they don't follow them. There's a loophole that we
sometimes win these cases on. There's an argument, well, this
(11:45):
is this a residence or is it more than one
residence under the same roof. That's another issue, yeah, because
they want to know the resident, the household residents, and
the argument could be we've had these situations where under
one roof you may have two different residents. It's a
totally separate residence. So we won the argument on that
Picare you.
Speaker 5 (12:05):
Know I could I could legit because it has a
separate entry all together. Turn my basement into an airbnb
and if someone was living there as an airbnb, as
a separate resident, this would not apply.
Speaker 2 (12:14):
Correct. Okay, gotcha correct?
Speaker 6 (12:15):
All right?
Speaker 2 (12:16):
So let's wrap it up real quick.
Speaker 4 (12:17):
Like like maybe the Sun, if the Sun was paying rent,
it might be a different story, but doesn't. Soundly the
Sun's paying rent.
Speaker 2 (12:22):
To me, maybe to night who will glen? What kinds
of possibilities Lynn.
Speaker 3 (12:27):
What if you're someone has a child who comes home,
they live elsewhere, they come home, borrow your car, then
get in the wreck. They're not on the policy.
Speaker 4 (12:36):
Yeah, that should not be a problem if they're not
a frequent user of the vehicle.
Speaker 2 (12:40):
You know this.
Speaker 4 (12:41):
This happened in this case when the person bought insurance
and filled out a policy an application for the insurance,
and left out important information.
Speaker 2 (12:49):
Yeah, got it. So let's go around the room.
Speaker 5 (12:51):
I believe maybe this person is in a bad situation
where it's going to take a very good argument to
settle this scenario and get the money for the Mustang.
Speaker 4 (12:59):
I agree, yep, yep, you're all right, you're all right?
Speaker 2 (13:03):
Is it really yeah? Well, you know, we possibly possibly will.
Speaker 8 (13:06):
Das Meg Ryan and Tom Hanks it stops hit classic.
Speaker 2 (13:12):
I think they should make a seed. All right, what happened?
It sounds good, sounds good. So what do we do?
Speaker 4 (13:18):
I mean, you're all correct. I mean it's possible to
win this case, but it becomes much more difficult.
Speaker 5 (13:24):
Yeah, have you one cases like this, because yes, what
was the argument? You use the same time thing?
Speaker 4 (13:28):
We've got different arguments about you know, it's not the
same residents we've got an argument where you know, somebody
moved and didn't tell the insurance company moved to a
different location. So the insurance company said, your car is
being garaged at a different location now, so now we're
not going to pay it. And then we won the
argument because where it was being garaged, it was actually
cheaper if they bought the insurance and if they told them,
it would have been cheaper. So the insurance company has
(13:50):
to improve. It's what's called a material misrepresentation. And in
this case they would argue it because they would charge
a higher PREMIU if they knew Christina was there.
Speaker 2 (13:58):
But so this case could be it could be difficult.
We don't have to see if they've done everything right.
Speaker 5 (14:02):
Do different companies argue these cases differently or some of
them a little bit more stringent when it comes to
these rules as opposed to others that are a little.
Speaker 4 (14:09):
Bit more good quest You're absolutely correct, yeah, yeah, absolutely correct. Well,
over and over we shoot the same companies arguing this
really yeah yeah.
Speaker 2 (14:16):
And it's not the big boys yeah yeah yeah yeah, wow. Yeah.
Speaker 5 (14:19):
It's like the buy here, pay here kind of places. Right,
it's that's the we know, yeah, you don't have to say, yeah,
it's not the ones that have their signs on stadiums.
Yeah yeah, wow man, that's crazy. Were there any injuries
in this She was remark there was no injury. Yeah. Yeah,
they're just calling about they're just calling abut the mustag. Yeah,
the car yeaheah, because it's brand new, brand new, and
the other side can pay ten grand towards it because
(14:40):
the other side had the minom of insurance that pays
ten grand, right, but they got twenty grand a damage.
Speaker 2 (14:45):
Wow man, incredible. Well, good luck with this case. I'd
like an update. Please absolutely don't mind you guys, give
it up. Good clothes.
Speaker 5 (14:52):
It's closeman, law kla Us, I mean in law dot
com offices right there and win to park four oh
seven nine one seven seventeen eighteen car crash called it gentlemen,
right there, Miss Gleenclothseman, thanks so much. Cante any buddies
always there. You got a right voice. Four oh seven
nine one six one o four one. You can always
text us at seven seven zero three one. Don't forget
your four o'clock that's dead. We'll have another keyword for
(15:12):
you right now.
Guys, Seriously, oreos come in a tray inside of a bag.
Just because they put a specialized resealable hole on top
of the bag, okay and modified, it doesn't make it
any less of a bag.
Speaker 2 (00:15):
It's a bag.
Speaker 1 (00:16):
May you lay flat that withholds a tray full of warriors.
You can even open it from the end and slide
the oreos out like we used to back in the day.
Speaker 2 (00:25):
Right, Jimmy, you remember, I do?
Speaker 3 (00:27):
I guess.
Speaker 2 (00:27):
I hope you guys are doing well. Yeah, so I
have to agree that is a bag.
Speaker 4 (00:31):
The orio thing is a bag because if you take
out the plastic container from inside it, close it, it
wraps up as a bag. When you leave the plastic
container inside, it's just a.
Speaker 2 (00:40):
More aerodynamic bag. Thanks, bye bye, Yeah, thanks Jimmy.
Speaker 5 (00:44):
All right, welcome back to me, Jim Colbert show win
is your fourth like keyword wi in Go to your
real radio dot at him and send that off for
your chance at one thousand bucks. Jim, there's deb Jack
and Rosser here as well. Let's do Colbert Court.
Speaker 6 (00:55):
When you are listening to is reel well sort of.
The participants are not actors as a fact. This is however,
a real case that will be decided here in our forum,
the Colberg Court.
Speaker 5 (01:07):
That's right, the cor Re Court, brought to you by
Klosman Law. That's k l a U s m a
in law dot com office is right there. In winter
Park four oh seven nine to one, seven seventeen eighteen
car crash called Klasman guys good low for mister.
Speaker 2 (01:18):
Glenn Clawsman in black.
Speaker 5 (01:22):
I said the same thing I said the same days.
We rarely see you in black. He looks tough, he does.
Speaker 2 (01:27):
I am tough. You have a very hemming way feel
about you today. But now he not that tough.
Speaker 7 (01:30):
Someone just texted us at seven seven zero three one
and said, my kid, my kid just said, Santa's on YouTube.
Speaker 4 (01:37):
All right, all right, I'm working on it. I'm lead
it very good, a little bigger. I'm working on it,
very good.
Speaker 5 (01:41):
Un Here Glenn Clawman, personal injury attorney here in central
Florida for many, many, many years, providing great services and
advice to people to get them out of really tough situations.
He's helped so many people on this show. Not to
mention other people in Orlando, and uh, we bring this
to you just to kind of give you a better
idea of how insurance coming thinking work, so that when
(02:01):
you're in an accident, you have a better idea of
what to do actually, and even before the accident, have
a better way to repair yourself so that you have
the least amount of pain possible.
Speaker 4 (02:10):
Yeah, we tried to do a segment to help people.
I mean that's the bottom line.
Speaker 2 (02:13):
That really is the bottom line.
Speaker 5 (02:14):
Yeah, yeah, let's help people do that. That looks good
on you. Should wear more black, you do. You look
very stowic. You have a very judgy kind of feel
about you today.
Speaker 2 (02:23):
Dude a funny. I thought he looked more like a
hired killer. He's a legal hired killer.
Speaker 7 (02:29):
Look at your jersey coming out.
Speaker 5 (02:31):
All right, So we're going to read this case, and
as normal here for Cobra Court, we'll go around the
room faticus. Very nice. We'll go around the room and
try to figure it out on our own. When we fail,
and we usually do, we'll turn it over to Glenn
and I find out what's going on.
Speaker 2 (02:44):
Glenn. Is this the case you have?
Speaker 4 (02:45):
It's an interesting fact scenario someone called me about.
Speaker 2 (02:47):
Okay, very good. Are you guys ready ready? All right?
Speaker 5 (02:50):
Jack and Jill are engaged and share a two bedroom
apartment with Christina.
Speaker 2 (02:55):
Apparently going up the hill worked out Jack.
Speaker 5 (02:58):
Shop for car insurance on their new Mustang, and Jack
completed the insurance application that requested the names.
Speaker 2 (03:04):
Of all the household residents.
Speaker 5 (03:07):
Because Christina had her own car insurance, Jack did not
list Christina on the insurance application.
Speaker 2 (03:14):
Jack bought full coverage.
Speaker 5 (03:16):
Two months later, Jack was in a car accident caused
by someone who had the minimum required insurance. The new
Mustang needs over twenty thousand dollars in repairs. Jack and
Jill's insurance company has refused to pay anything because Jack
failed to list their roommate Christina on the insurance application. Instead,
(03:37):
the insurance company refunded Jack's premiums and said the policy
is void. Can the insurance company get away with this?
We've danced with this devil before she had insurance and
that's the kind of that's the excuse I used not
(03:59):
to let's speak then, yeah.
Speaker 2 (04:01):
Go ahead.
Speaker 7 (04:02):
They you know, technically she had her own name because
they weren't engayre gay.
Speaker 2 (04:07):
They're not family, they're not family. Renting a place, yeah.
Speaker 4 (04:11):
Yeah, they run an apartment. Does she pay rent Jack
and Jill? Yeah, she pays the shack and Jill pay
their share. Christina pays her share.
Speaker 2 (04:18):
Okay, so they're all roommates. Well yeah, they're roommates. Yeah yeah,
Well that changes everything dramatically, does it not?
Speaker 5 (04:25):
I mean, because, I mean, if you're a grown ass
adult and you live with another group of people, and
you have your own life, and you literally just live there,
why would you need to include those.
Speaker 2 (04:33):
People who have no impact on your life? Because they have.
Speaker 5 (04:35):
Access to your car, because it's part of the part
of that household, they could possibly have access to your car. Theoretically,
that means that Christina could leave her keys, or Jack
and Jill could leave their keys, and one of the
other could take the car and drive it without the
permission and cause an accent.
Speaker 2 (04:49):
But I asked a question for the call. Absolutely, this
is always a fun part.
Speaker 8 (04:53):
Have you ever seen the movie You've Gotten mailed?
Speaker 2 (04:55):
Oh that's the one you finally picked.
Speaker 8 (04:57):
I've seen Tom Hanks me Ryan on the Harazon of
digital messaging. Everybody's seen that.
Speaker 2 (05:07):
Yeah, yeah, yeah, we got it.
Speaker 8 (05:09):
What I'm trying to get at is that I believe
that if they all roommates, then they are all having
the same address. They all have the same snail mail address.
You go ahead and you show that your male has
the same address. Boom, whoopsie daisies, you are now on
that insurance policy.
Speaker 2 (05:28):
That like if your it's not.
Speaker 8 (05:34):
Well, what I'm shooting for is that if you look
at their male you could prove that they all roommates
and that like they are underneath the same insurance policy
by showing that they have the same address with their mail.
Speaker 5 (05:43):
And by the way, Jack and Jill are not married, correct,
sin they're engaged, they're not married, And I wonder if
that has an impact because they mentioned it. Why would
you mention that they're not married if it didn't have
an impact on the case.
Speaker 4 (05:55):
Well, in this particular situation, they're both on the Mustang
as owners, so it does not have any impact. It
does have no impact because they're both on this. They're
both on they're both on a policy that they're both
owners of the Mustang.
Speaker 2 (06:06):
So that's not an issue.
Speaker 5 (06:07):
Isn't there Like there has to be some kind of
assumed idea of adulthood here and stick with me. Uh,
the idea that they are autonomous people living under one
roof doesn't really make them responsible or not responsible for
each other's actions just because they live under a roof together,
they pay separate rent, they have separate everything, They split
everything down the middle. I can't imagine how the insurance
(06:28):
company can make a cogent argument that that person's actions
have anything to do with yours. So in my short case,
I would say that there is an argument against their
insurance company because these are like this is like three
or two separate businesses under the same roof.
Speaker 4 (06:44):
Yeah, here's what the insurance company will say. They will say,
if Christina is in your Mustang and they Mustang gets
in an argument and Christina is hurt, then your coverage
would be available for Christina, even though she has her
own policy. You have on Insurre motorist coverage and it
would cover Christina also. So because of that situation, if
(07:06):
we knew she was living with you, we would have
charged a higher premium because you've increased our risk as
the insurance company.
Speaker 2 (07:12):
That's what they're going to claim.
Speaker 5 (07:14):
Well, they can claim everything they want. Well, I mean
that's that's that is a fact that could happen. Yeah,
but I mean it could be a it could be
a fact that she could live across the street, and
that saying that could happen.
Speaker 2 (07:23):
That's true. Yeah, I think she could sleep in the
backyard and they could appen.
Speaker 3 (07:26):
But you could if you identify her as living there
but then have her excluded from your policy.
Speaker 4 (07:31):
Oh, that'd be That would have been a great move.
We wouldn't be here today, right this question? That would
have been That would have been the thing to do.
Speaker 2 (07:38):
Right on it. Did not even know that that was
an option. Did not either.
Speaker 3 (07:40):
Yeah, I had to do that for my oldest when
she was away at school. It was like they're like,
I'm like, yeah, she lives here, but she's not here anymore,
right right?
Speaker 2 (07:50):
RYA, Wow, so does that So?
Speaker 7 (07:52):
Someone texted us a question, Glenn, asking if all college
students have to list their roommates on their car insurance
or you know, maybe some older adults who find that
living on their own isn't you know, financially feasible, so
they too have a roommate. Is this something you have
to do, regardless of whether your family or not.
Speaker 4 (08:11):
No, No, great questions, great questions. The college situation is
usually much different. Usually, if the college person has his
own policy and he happens to have a roommate, they
probably should list someone of its Most college kids are
still on their parents' policies the way you know from
my experience. But if you're an adult and you rent
(08:33):
an apartment with another adult and you apply for insurance,
the questionnaire is going to ask you does anybody else
live in that household with you? And you should say
yes to avoid the situation that Jack and jillerin that's
going to require litigation that we don't know for sure
how it's going to turn out.
Speaker 7 (08:50):
But you have to say that this person, even though
they live in the same house, will be excluded from
my auto policy.
Speaker 4 (08:57):
If you say they're excluded, then there's no questions, there's
no problem, no problems.
Speaker 2 (09:01):
You say they're excluded, Do you have to write that
or is there.
Speaker 4 (09:03):
A problem point?
Speaker 2 (09:04):
And Jack, yeah, yeah.
Speaker 4 (09:04):
When you when you get the insurance, you there is
an option to exclude a driver, and you exclude that
person from driving your vehicle.
Speaker 2 (09:12):
But they're not covered. They're not covered.
Speaker 3 (09:14):
You know, you're slump and you're blocking them in. They
get your keys, they move out, and then they hit
the car across the street.
Speaker 2 (09:21):
Your car is not covered. Damn.
Speaker 4 (09:23):
Yeah, well, well the other they could be covered. You
can exclude them as a driver, and they potentially could
be covered as a passenger, which that makes this this
is it becomes such a husing scenario.
Speaker 7 (09:35):
Yeah, I wouldn't imagine that insurance companies deliberately make it confusing, though.
Speaker 5 (09:41):
Right, Oh wow, let me let me, let me let
me spit a maybe at you. Let's just say that
two loving parents have allowed their son to move back
in so they can finish so he can finish college.
Let's just say that's the case. Let's say that the
sun really doesn't really pay rent. He does some stuff
around the house just to kind of make it good
because you know, they're so nice to allow him to
live there while he finishes up his college career.
Speaker 4 (10:02):
Sounds like he's part of that person's household.
Speaker 5 (10:06):
So what you're saying is the people who are allowing
that son to live with them should go to their
insurance policy and check the box and says, yeah, he
lives here, but he's not on our insurance because he's
got his own policy for his own vehicle.
Speaker 4 (10:16):
Right, you should let your insurance company know that you
want to whoever it is, should let their insurance company
know that this person just happens to be living with us,
and we want to make sure he's excluded so that
we don't have a problem with our insurance coverage if
there's an accident.
Speaker 2 (10:32):
So it's yeah, yeah, yeah.
Speaker 3 (10:34):
If this son then drives, he's excluded, but then drives
the car of one of the parents and god forbid,
has an accident, the fact that he has his own
insurance covers that, and the insurance of the parents does
not come into play.
Speaker 4 (10:51):
Well, here's what happens. If he's excluded as a driver
and he has permission to use the vehicle and causes
an accidents, insurance company might say we're not going to
cover it.
Speaker 2 (11:02):
So that'd be real problem. Yeah yeah, yeah.
Speaker 5 (11:05):
Yeah, Jim, I'm just saying I'll make a call today
and I'll let those people know.
Speaker 2 (11:09):
Yeah, we don't want to get them in.
Speaker 5 (11:11):
The situation where yeah, is it also work this recipable way,
Like I mean, if this would have happened in Christina
would have been the one in the situation, it would
be the exact same thing.
Speaker 4 (11:22):
It could be. It could be. I mean, there are
arguments we can make. I've had cases like this where
I pursued them when we were able to win because
there's certain arguments you could make. There's certain things the
insurance company has to do when they want to deny
coverage and give somebody their money back, that they've got
all kinds of you know, rules they've got to follow.
Sometimes they don't follow them. There's a loophole that we
sometimes win these cases on. There's an argument, well, this
(11:45):
is this a residence or is it more than one
residence under the same roof. That's another issue, yeah, because
they want to know the resident, the household residents, and
the argument could be we've had these situations where under
one roof you may have two different residents. It's a
totally separate residence. So we won the argument on that
Picare you.
Speaker 5 (12:05):
Know I could I could legit because it has a
separate entry all together. Turn my basement into an airbnb
and if someone was living there as an airbnb, as
a separate resident, this would not apply.
Speaker 2 (12:14):
Correct. Okay, gotcha correct?
Speaker 6 (12:15):
All right?
Speaker 2 (12:16):
So let's wrap it up real quick.
Speaker 4 (12:17):
Like like maybe the Sun, if the Sun was paying rent,
it might be a different story, but doesn't. Soundly the
Sun's paying rent.
Speaker 2 (12:22):
To me, maybe to night who will glen? What kinds
of possibilities Lynn.
Speaker 3 (12:27):
What if you're someone has a child who comes home,
they live elsewhere, they come home, borrow your car, then
get in the wreck. They're not on the policy.
Speaker 4 (12:36):
Yeah, that should not be a problem if they're not
a frequent user of the vehicle.
Speaker 2 (12:40):
You know this.
Speaker 4 (12:41):
This happened in this case when the person bought insurance
and filled out a policy an application for the insurance,
and left out important information.
Speaker 2 (12:49):
Yeah, got it. So let's go around the room.
Speaker 5 (12:51):
I believe maybe this person is in a bad situation
where it's going to take a very good argument to
settle this scenario and get the money for the Mustang.
Speaker 4 (12:59):
I agree, yep, yep, you're all right, you're all right?
Speaker 2 (13:03):
Is it really yeah? Well, you know, we possibly possibly will.
Speaker 8 (13:06):
Das Meg Ryan and Tom Hanks it stops hit classic.
Speaker 2 (13:12):
I think they should make a seed. All right, what happened?
It sounds good, sounds good. So what do we do?
Speaker 4 (13:18):
I mean, you're all correct. I mean it's possible to
win this case, but it becomes much more difficult.
Speaker 5 (13:24):
Yeah, have you one cases like this, because yes, what
was the argument? You use the same time thing?
Speaker 4 (13:28):
We've got different arguments about you know, it's not the
same residents we've got an argument where you know, somebody
moved and didn't tell the insurance company moved to a
different location. So the insurance company said, your car is
being garaged at a different location now, so now we're
not going to pay it. And then we won the
argument because where it was being garaged, it was actually
cheaper if they bought the insurance and if they told them,
it would have been cheaper. So the insurance company has
(13:50):
to improve. It's what's called a material misrepresentation. And in
this case they would argue it because they would charge
a higher PREMIU if they knew Christina was there.
Speaker 2 (13:58):
But so this case could be it could be difficult.
We don't have to see if they've done everything right.
Speaker 5 (14:02):
Do different companies argue these cases differently or some of
them a little bit more stringent when it comes to
these rules as opposed to others that are a little.
Speaker 4 (14:09):
Bit more good quest You're absolutely correct, yeah, yeah, absolutely correct. Well,
over and over we shoot the same companies arguing this
really yeah yeah.
Speaker 2 (14:16):
And it's not the big boys yeah yeah yeah yeah, wow. Yeah.
Speaker 5 (14:19):
It's like the buy here, pay here kind of places. Right,
it's that's the we know, yeah, you don't have to say, yeah,
it's not the ones that have their signs on stadiums.
Yeah yeah, wow man, that's crazy. Were there any injuries
in this She was remark there was no injury. Yeah. Yeah,
they're just calling about they're just calling abut the mustag. Yeah,
the car yeaheah, because it's brand new, brand new, and
the other side can pay ten grand towards it because
(14:40):
the other side had the minom of insurance that pays
ten grand, right, but they got twenty grand a damage.
Speaker 2 (14:45):
Wow man, incredible. Well, good luck with this case. I'd
like an update. Please absolutely don't mind you guys, give
it up. Good clothes.
Speaker 5 (14:52):
It's closeman, law kla Us, I mean in law dot
com offices right there and win to park four oh
seven nine one seven seventeen eighteen car crash called it gentlemen,
right there, Miss Gleenclothseman, thanks so much. Cante any buddies
always there. You got a right voice. Four oh seven
nine one six one o four one. You can always
text us at seven seven zero three one. Don't forget
your four o'clock that's dead. We'll have another keyword for
(15:12):
you right now.
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