October 16, 2025 • 15 mins
For Colbert Court, Attorney Glenn Klausman brings us the case of 'Buster,' who was injured in an accident in Georgia, and Glenn shares how the laws in that state were able to get compensation for his client.
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Episode Transcript
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Speaker 1 (00:12):
Welcome back to the Jim Colbert Show. Already a one
oh four point one. Thanks again for tuning in today, gazz.
We appreciate that very very much. Josha did get food
from Froggers today. You did mess out a little bit, though,
what I miss. Rosen's coming in tomorrow for the latest
Harry Sipping Saver. They'll be bringing some good, good, good good,
(00:32):
so I'll come hang out. Yeah, welcome back. I'm Jim.
There's deb Hello, Josh is here, and so is Sauce Daddy.
That's true, all right, let's do Colbert Court.
Speaker 2 (00:42):
When you are listening to is real, well sort of.
The participants are not actors as a fact. This is, however,
a real case that will be decided here an hour forum.
Speaker 1 (00:54):
Colbert Court's right Culport Court, brought to you by our
good friend Glenn Closman and Colosmon Law. That's k L
A U, S M A and Law dot Com offices
right there in winder Park four oh seven nine one
seven seventeen eighteen car crash call that, gentlemen right there,
mister Glenn Clausman. Goodlow for mister Glenn Clausman, personal injury
attorney here in Central Florida for thirty thirty something year.
(01:17):
Thirty something years. For sure. Giving sage advice to people
who don't know any better, including their attorneys, including yours, truly,
has been absolutely an asset for us here on the show.
I know that Ross and Olivia have used them, My
father in law has used them. I think Code Black
used you as well.
Speaker 3 (01:36):
Do you know, Yeah, co Black, I'm Jack, my next
our neighbor.
Speaker 1 (01:40):
Yeah, that's right, that's right, Jack. So we've had a
lot of action with your big dog, and you've always
come through for us. That's one of the reasons we
love featuring you here.
Speaker 3 (01:46):
Thanks, thanks so much.
Speaker 1 (01:47):
Glenn usually brings in a case for us to read.
It's a case that usually he's working on. We'll read
this case, we'll try to come to a conclusion of
what we think is right. Then we'll kick it over
to Glenn and let him tell us exactly what happened.
That's kind of the idea of the bit, so that
you can understand how the law works and prepare yourself
a little bit more accordingly if you do get into
an accident that has some unique situations. Is faticus with
(02:08):
us today? He ah, he is present oh very nice. Okay,
so Faticus is it? What is it? Faticus? Want inch
inch there you Fatus and train.
Speaker 4 (02:16):
And I also have my compatriot here, mister fowl.
Speaker 1 (02:22):
Hell, okay that is you guys gonna tell me about
that stuff. Is this an actual case?
Speaker 3 (02:31):
Yeah, it's okay. This is an actual factual situation.
Speaker 1 (02:33):
Yeah. Oh really yeah. Has it already been resolved?
Speaker 3 (02:35):
It's going to get resolved.
Speaker 1 (02:36):
Okay, you're confident us resolved? That was awesome. That was
that's the flex been No.
Speaker 3 (02:43):
I mean, there's just you know, you got facts. You
know what the end result is going to be. And
this is uh, you know, I bring it up because
it's an interesting fact situation. Yeah, sometimes happens.
Speaker 1 (02:51):
All right, so listen up closely. This is a little longer,
so I need you guys to pay attention close. Here
we go. Buster was visiting his friends in Valdosta, Georgia,
when someone ran a stop sign and t boned his
pickup truck. He went to the emergency room and had
multiple X rays and a CT scan. He followed up
with a doctor and was diagnosed with bruised ribs. The
bruise ribs were very painful for several weeks, and gradually
(03:12):
after a couple of months, Buster was back to one
hundred percent. His pickup truck required nineteen thousand dollars in repairs.
The person who caused the crash was from Jacksonville and
had a policy of insurance with a limit of ten
thousand dollars to pay for Buster's injuries and a limit
of ten thousand dollars to pay for the damage to
Buster's pickup truck. Unfortunately, Buster had let the insurance on
(03:35):
his pickup truck oh last, so he did not have insurance.
Buster hired a Buster hired a law firm in Orlando
to help him, and they told him he should settle
for the ten thousand of insurance on his truck and
would take a nine thousand dollars out of pocket loss.
And they told him since he did not have permanent injury,
they could not recover any money for him for his
(03:56):
injuries other than the at fault person's ten thousand dollars
limit to pay towards Buster's twenty thousand dollars in medical bills.
So He's going to lose nine k on the damage
to his truck and theoretically lose another twenty thousand dollars
in the damages to his body, is it? Am I accurate?
Speaker 3 (04:12):
There another ten grand? He's got twenty grand and medical bills.
They say, the guy's only got ten thousand of insurance,
right right, right, So he's.
Speaker 1 (04:19):
Got the full twenty for the medical and the nine.
Speaker 3 (04:22):
He's got twenty ode in medical bills. The party who
caused the crash only has ten thousand dollars a policy
that says this a ten thousand dollars limit for bodily
injury liability that they cause, and ten thousand dollars for
damage to the truck.
Speaker 1 (04:36):
Right, so he's on the hook for nineteen thousand dollars,
ten grand and nine yeah, yeah, yeah, So and he
has no insurance of his own because he let that
lapse down.
Speaker 3 (04:44):
Right, No health insurance, no insurance of his own.
Speaker 1 (04:46):
Oh no, damn whoa. Now that's wild because usually when
you say the uninsured motorist thing, it's for you to
have an insured motorist. It's not for the other person
to have an insured motorist. And the other person did
not have an uninsured motor it wouldn't help. It would
not help you the way, right, uninsured motorist only helps.
Speaker 3 (05:03):
If the person who causes your injuries doesn't have enough
insurance to pay for your injuries, then your uninsured motors'
coverage access that other person's coverage and pace.
Speaker 1 (05:12):
Now there's a weird thing.
Speaker 2 (05:13):
Though.
Speaker 1 (05:13):
You do make a point that this happened in Valdosta, Georgia,
and the person who caused the crash was from Jacksonville.
Speaker 5 (05:22):
So Georgia law would take precedent here over Florida law.
Speaker 3 (05:26):
Right, Well, what's the question?
Speaker 1 (05:29):
Oh, okay, world, it's uthing a little warm.
Speaker 4 (05:31):
Okay, okay, because Georgia law has got different rules.
Speaker 1 (05:34):
Yeah, maybe Georgia law is the numbers are greater. Maybe
that's the case because in Florida it's it's ten. Or
maybe in Georgia law it's more.
Speaker 5 (05:42):
Or in Georgia you're not limited to the same things
that we are here in Florida. Right the big settlements
let you, Now you have to hire an attorney in
order to go after the insurance company. Possibly in Georgia,
this man may be able to be like the old days,
right when you could file a lawsuit against an insurance
(06:03):
company without having to incur the costs yourself.
Speaker 3 (06:05):
And that's not what Georgia law is. But that's a
nice thought.
Speaker 1 (06:09):
Okay, that's all right, we gonna take shots. Man. Also,
it's you used a very odd word here. You said,
let the insurance policy lapse.
Speaker 3 (06:17):
He had no insurance. You know, you don't pay your bill. Ye,
policy laps. They knew he didn't pay his bill, So
he's had a luck look into his own car insurance.
Speaker 1 (06:26):
I didn't know if there was a grace period there
that maybe we could take advantage of it. Okay, So
obviously the Georgia Florida thing is in play.
Speaker 4 (06:33):
I would just like to let everybody know what they
already know. I don't know where to make up, where
to get this knock Team Graham from, Well, it seems
is so well to me.
Speaker 1 (06:45):
Well, I mean I tell you that to me as well.
I think the Florida Georgia thing does it. He just
said it makes a big difference. So Georgia law has
to come into play here. But I don't know how
or why I don't because obviously Georgia law maybe offers
a little bit more than Florida does for their particular
for their bodily in thing.
Speaker 3 (07:00):
Yeah, Georgia law is much better for bottle injury liability.
Speaker 1 (07:03):
Is it really Yeah, because we have one of the
worst states for car insurance in the nation, do we not?
We do? We do? Yeah? The structure of what we
do here is terrible, thanks legislature.
Speaker 3 (07:11):
Yeah. Not good for the people that get hurt in
car accidents, that's for sure.
Speaker 4 (07:14):
Wow.
Speaker 1 (07:15):
So, I mean if I don't know what George's limits are,
I mean I kind of know what the Florida limits are.
CT scans twenty case, you get twenty thousand dollars, we're
out nineteen grand nine for the truck and ten thousand
dollars of medical bills. I mean, I wonder if Georgia
law is going to take care of one of those
and not the other, or possibly both.
Speaker 3 (07:32):
Well, here's the situation. He's got a policy that he bought.
His policy says, we're talking about the Afall Party. The
Apole Party's policy says, we have a limit of ten
thousand dollars to pay towards your injuries, and we have
a limit of ten thousand dollars to pay for your accident,
for your damage to your truck, ten thousand for the injuries,
(07:52):
ten thousand for the truck. Now, the attorney that was
handling this told them that's all you could get. You're
out of luck. And that's when he called me to
see if there was anything I could do to help.
So what you do is you look at the insurance
policy of the abfault person, and that policy says that
we will conform the limits of your policy to whatever
(08:16):
is required as a minimum in the state where you
get a way to cause an injury.
Speaker 2 (08:21):
Wow.
Speaker 1 (08:22):
So that means in Florida, if you have a Florida
auto insurance policy, you get into an accident in Georgia.
Lest in Georgia. Right Georgia. George's law Lord freeempt.
Speaker 2 (08:33):
Right.
Speaker 3 (08:34):
Georgia's policy limits that they required twenty five thousand dollars
to pay for someone's injuries and twenty five thousand dollars
to pay for someone's property damage.
Speaker 1 (08:42):
Wow.
Speaker 3 (08:43):
Really yep, So this fella who caused the crash only
had ten thousand to pay for the car the pickup
truck and ten thousand to pay for the injuries. Now
the insurance agrees, yes, we have to comply with Georgia law. Yes,
our policy says, fella from Jacksonville, if you cause an
accent in Georgia, will provide you the minimum requirements of
(09:04):
the law that George requires, and that's what we're going
to do. So they end up having to pay for
this guy. They're going to pay. They've already agreed to
pay the nineteen thousand dollars for damage to his pickup truck,
and they're going to turn around and I'll ultimately play
the twenty five thousand dollars for damage to his for all,
he's got twenty granded medical bills.
Speaker 1 (09:21):
Wow.
Speaker 3 (09:22):
And in Florida, you don't get money for your pain, suffering,
mental anguish, loss of enjoyment of life, those kind of
human losses you have when you get hurt unless you
have some kind of permanent damage documented by a physician.
That's Florida law. You don't get money for those what
lawyas call non economic damages, not not hard money damages,
but the loss of your personal life caused by your injuries.
(09:45):
You have to have a permanent injury in Florida to
get that. There's some exceptions, but in Georgia you don't.
So that's why they'll ultimately end up paying the twenty
five thousand dollars under that fella's ten thousand dollars policy
to this injured buster fellow also.
Speaker 1 (10:01):
Wow, wow, I bet he was super happy to hear that. Absolutely,
I mean, you're going to go in from nineteen Are
you sure?
Speaker 3 (10:08):
Are you sure? Because Large told me no, are you sure?
I said, yeah, I'm sure, I'm sure. And once once
we got Progressive on the line and they said yeah,
we'll pay the nineteen grand. He was relieved.
Speaker 1 (10:17):
So, I mean, does it matter if you have the
same company at all, or does any of that really matter,
Like both of you are Progressive or Geico or State
Farm Customers, does that have any impact at all? It
probably would not.
Speaker 3 (10:27):
But this particular policy, of course said if you're an
accident in another state, we will provide insurance coverage that's
the minimum required for that state. So if somebody has
ten thousand dollars in bodily injuryliability coverage and they get
an accident in Georgia and they hurt somebody, the good
the chances are your insurance company is going to have
to pay that twenty five instead of just ten.
Speaker 5 (10:48):
And Glenn, you're able to handle this case without being
because I'm always.
Speaker 1 (10:53):
Licensed licensed in Georgia.
Speaker 3 (10:55):
If I had to file a lawsuit, that'd be a problem. Okay,
because to be able to follow alaw suit in Georgia,
I'd have to be licensed in Georgia. So but this
is a case where we're not gonna We're not gonna
have to follow lawsuit. They're just gonna pay them money.
Speaker 1 (11:06):
What states are the best? Like when you when you
when you know the ones that are the worst. I
know Virginia is terrible. Virginia's bad.
Speaker 3 (11:14):
I know that because my daughter was in Virginian in school.
Virginia is terrible. Virginia's a state that if you're one
percent at fault, you get nothing. What yeah, yes, So
unless it's a rare end collision. The other side always argues,
you should have seen somebody running a stops on, you
should have had time to stop, you were going too
fast or whatever. Virginia is bad. North Carolina's the same thing.
(11:36):
One percent fault you get nothing. Whoa yeah. Yeah.
Speaker 1 (11:39):
And here we thought Florida was the worst, Well.
Speaker 3 (11:41):
They you know Florida is bad too.
Speaker 1 (11:43):
Yeah. Are are there any states where I mean, you know,
obviously you can look at it and go well, I mean,
if you get in a wreck here, you're gonna be
an okay shape, I mean, are there states that are
a bit more lenient when it comes to us.
Speaker 3 (11:54):
Sure, yeah, sure there are.
Speaker 4 (11:56):
Now I'm so, what would happen and if this call
accident happened in Florida?
Speaker 1 (12:02):
A little switch arou If.
Speaker 3 (12:04):
That's a great question. Oh, thank you, that's a great question.
Speaker 1 (12:08):
He's soundshocked himself.
Speaker 3 (12:10):
If this accident happened in Florida, the at fault party
would only have to pay ten thousand dollars. They only
has ten thousand dollars to pay for the truck, and
he's out nine grand and there's only ten grand to
pay toward medical. He's out ten grand in medical. And
that's what the lawyer that looked at this case first
didn't realize that there was a situation where since it
happened in Georgia, you can get more money.
Speaker 1 (12:30):
Hey, is it is it the case that? I mean,
regardless if you're handling the case or not. I mean,
you know, much like with doctor's appointments and diagnoses of
that nature, do you recommend always getting one or two
opinions when it comes to situations like this, especially when
you're bodily injuries and the you know, I mean, obviously
in this case, it's easy because this guy's going to,
you know, be out nineteen thousand dollars. But even if
(12:51):
it isn't that defined, would you suggest maybe calling more
than one or two people.
Speaker 3 (12:55):
Yeah, if you're not happy with the with the advice
you're getting, you should get a second opinion.
Speaker 1 (12:59):
Yeah, and that's the cost anything, no problem. And one
of the other problems we know that people have with
attorneys is they feel that anytime they call somebody to
talk or get advice, they don't wind up getting a
bill for it. And that's one of the things that
you really have staked to the reputation of your firm
on is that's one of those things that you have
a kind of an open source ability to call you
and ask questions.
Speaker 3 (13:17):
Yeah, that's true, but you know, I have to also
be careful. If somebody's got another lawyer. It's it's very
difficult for me to try to give them advice that
because they have another lawyer. It's it's something I'm not
supposed to do. But hypothetically I can say, you know,
the fact situation you're talking about, you need to talk
to the lawyer about this, this, this, and this, and
I sent them back to the lawyer to talk about this, this, this, this.
Speaker 5 (13:38):
But it's also interesting to note that I think a
lot of folks believe that because they've hired an attorney
and they may not be happy with that attorney services,
that somehow, even though you didn't sign anything that locked
you into a contract, a lot of people perceive that.
It's like, well, I can't get rid of this person
now I've I've already hired them. But what is the
reality in that.
Speaker 3 (13:59):
It's it's difficult if you've been with a lawyer for
a while to jump ship and go somewhere else. I
got calls like this all the time, and I, you know,
I get hesitant to take cases where I don't know
how they've been worked up. And you know, I just
prefer to handle cases that are fresh that people call me,
and I take them and run them with them and
I know how to work them up and rather than
(14:21):
have any deal with whatever somebody else has done already.
But there are you know, you have the right to,
you know, get another lawyer if you're not happy with
the lawyer.
Speaker 5 (14:28):
You have.
Speaker 1 (14:30):
Right, Yeah, for sure, all right for a seven nine
one six one text does seven seven zero thirty one
talking to Glenn clawsman from Closmon in the Law Again,
that's k l A U s m A in the
law dot com. If this is right there in winter Park,
always able and helpful to take. Gave you. What are
you doing for Halloween? You do anything for Halloween?
Speaker 5 (14:45):
You know?
Speaker 3 (14:46):
We're just giving our Yeah, of course we do. We
go over this severy year. Of course we do. I
gotta ask you absolutely well, why skimp on.
Speaker 1 (14:56):
You might have to do? You say how much chocolate
is this year?
Speaker 3 (14:59):
No I haven't.
Speaker 1 (15:00):
Yeah, it's going to the roof.
Speaker 3 (15:03):
Yes, that's not the only thing. Yeah, yeah, serious. And
you know what, I've got a bunch of uh those
T shirts left over from the uh SuDS and pops
you know, Closmon Law t shirt says car Crash called claws.
Somebody wants some of those that can come by my
office and if I have your the right size for
you still, I'm happy to give them away.
Speaker 1 (15:22):
Let's stick away and bring that'll be nice.
Speaker 3 (15:25):
Next year we'll do something different, different color. Next we'll
do green and with white letters instead of white with green.
Speaker 1 (15:32):
We'll really mix it up. They're very good, always good
seeing you buddy. You guys give it a good lab
for g claws. That's a good question, Mark, That was
a great question.
Speaker 3 (15:42):
Ross, You're right on that one.
Speaker 1 (15:46):
Four, seven, nine ones seven seventeen eighteen and uh, he'll
always take good call and take good care of you.
Thanks for a good scene, all right for seven nine
and six over one. Stay tuned. We got a fresh
keywork for you at the top of the hour and
that's happening next
Welcome back to the Jim Colbert Show. Already a one
oh four point one. Thanks again for tuning in today, gazz.
We appreciate that very very much. Josha did get food
from Froggers today. You did mess out a little bit, though,
what I miss. Rosen's coming in tomorrow for the latest
Harry Sipping Saver. They'll be bringing some good, good, good good,
(00:32):
so I'll come hang out. Yeah, welcome back. I'm Jim.
There's deb Hello, Josh is here, and so is Sauce Daddy.
That's true, all right, let's do Colbert Court.
Speaker 2 (00:42):
When you are listening to is real, well sort of.
The participants are not actors as a fact. This is, however,
a real case that will be decided here an hour forum.
Speaker 1 (00:54):
Colbert Court's right Culport Court, brought to you by our
good friend Glenn Closman and Colosmon Law. That's k L
A U, S M A and Law dot Com offices
right there in winder Park four oh seven nine one
seven seventeen eighteen car crash call that, gentlemen right there,
mister Glenn Clausman. Goodlow for mister Glenn Clausman, personal injury
attorney here in Central Florida for thirty thirty something year.
(01:17):
Thirty something years. For sure. Giving sage advice to people
who don't know any better, including their attorneys, including yours, truly,
has been absolutely an asset for us here on the show.
I know that Ross and Olivia have used them, My
father in law has used them. I think Code Black
used you as well.
Speaker 3 (01:36):
Do you know, Yeah, co Black, I'm Jack, my next
our neighbor.
Speaker 1 (01:40):
Yeah, that's right, that's right, Jack. So we've had a
lot of action with your big dog, and you've always
come through for us. That's one of the reasons we
love featuring you here.
Speaker 3 (01:46):
Thanks, thanks so much.
Speaker 1 (01:47):
Glenn usually brings in a case for us to read.
It's a case that usually he's working on. We'll read
this case, we'll try to come to a conclusion of
what we think is right. Then we'll kick it over
to Glenn and let him tell us exactly what happened.
That's kind of the idea of the bit, so that
you can understand how the law works and prepare yourself
a little bit more accordingly if you do get into
an accident that has some unique situations. Is faticus with
(02:08):
us today? He ah, he is present oh very nice. Okay,
so Faticus is it? What is it? Faticus? Want inch
inch there you Fatus and train.
Speaker 4 (02:16):
And I also have my compatriot here, mister fowl.
Speaker 1 (02:22):
Hell, okay that is you guys gonna tell me about
that stuff. Is this an actual case?
Speaker 3 (02:31):
Yeah, it's okay. This is an actual factual situation.
Speaker 1 (02:33):
Yeah. Oh really yeah. Has it already been resolved?
Speaker 3 (02:35):
It's going to get resolved.
Speaker 1 (02:36):
Okay, you're confident us resolved? That was awesome. That was
that's the flex been No.
Speaker 3 (02:43):
I mean, there's just you know, you got facts. You
know what the end result is going to be. And
this is uh, you know, I bring it up because
it's an interesting fact situation. Yeah, sometimes happens.
Speaker 1 (02:51):
All right, so listen up closely. This is a little longer,
so I need you guys to pay attention close. Here
we go. Buster was visiting his friends in Valdosta, Georgia,
when someone ran a stop sign and t boned his
pickup truck. He went to the emergency room and had
multiple X rays and a CT scan. He followed up
with a doctor and was diagnosed with bruised ribs. The
bruise ribs were very painful for several weeks, and gradually
(03:12):
after a couple of months, Buster was back to one
hundred percent. His pickup truck required nineteen thousand dollars in repairs.
The person who caused the crash was from Jacksonville and
had a policy of insurance with a limit of ten
thousand dollars to pay for Buster's injuries and a limit
of ten thousand dollars to pay for the damage to
Buster's pickup truck. Unfortunately, Buster had let the insurance on
(03:35):
his pickup truck oh last, so he did not have insurance.
Buster hired a Buster hired a law firm in Orlando
to help him, and they told him he should settle
for the ten thousand of insurance on his truck and
would take a nine thousand dollars out of pocket loss.
And they told him since he did not have permanent injury,
they could not recover any money for him for his
(03:56):
injuries other than the at fault person's ten thousand dollars
limit to pay towards Buster's twenty thousand dollars in medical bills.
So He's going to lose nine k on the damage
to his truck and theoretically lose another twenty thousand dollars
in the damages to his body, is it? Am I accurate?
Speaker 3 (04:12):
There another ten grand? He's got twenty grand and medical bills.
They say, the guy's only got ten thousand of insurance,
right right, right, So he's.
Speaker 1 (04:19):
Got the full twenty for the medical and the nine.
Speaker 3 (04:22):
He's got twenty ode in medical bills. The party who
caused the crash only has ten thousand dollars a policy
that says this a ten thousand dollars limit for bodily
injury liability that they cause, and ten thousand dollars for
damage to the truck.
Speaker 1 (04:36):
Right, so he's on the hook for nineteen thousand dollars,
ten grand and nine yeah, yeah, yeah, So and he
has no insurance of his own because he let that
lapse down.
Speaker 3 (04:44):
Right, No health insurance, no insurance of his own.
Speaker 1 (04:46):
Oh no, damn whoa. Now that's wild because usually when
you say the uninsured motorist thing, it's for you to
have an insured motorist. It's not for the other person
to have an insured motorist. And the other person did
not have an uninsured motor it wouldn't help. It would
not help you the way, right, uninsured motorist only helps.
Speaker 3 (05:03):
If the person who causes your injuries doesn't have enough
insurance to pay for your injuries, then your uninsured motors'
coverage access that other person's coverage and pace.
Speaker 1 (05:12):
Now there's a weird thing.
Speaker 2 (05:13):
Though.
Speaker 1 (05:13):
You do make a point that this happened in Valdosta, Georgia,
and the person who caused the crash was from Jacksonville.
Speaker 5 (05:22):
So Georgia law would take precedent here over Florida law.
Speaker 3 (05:26):
Right, Well, what's the question?
Speaker 1 (05:29):
Oh, okay, world, it's uthing a little warm.
Speaker 4 (05:31):
Okay, okay, because Georgia law has got different rules.
Speaker 1 (05:34):
Yeah, maybe Georgia law is the numbers are greater. Maybe
that's the case because in Florida it's it's ten. Or
maybe in Georgia law it's more.
Speaker 5 (05:42):
Or in Georgia you're not limited to the same things
that we are here in Florida. Right the big settlements
let you, Now you have to hire an attorney in
order to go after the insurance company. Possibly in Georgia,
this man may be able to be like the old days,
right when you could file a lawsuit against an insurance
(06:03):
company without having to incur the costs yourself.
Speaker 3 (06:05):
And that's not what Georgia law is. But that's a
nice thought.
Speaker 1 (06:09):
Okay, that's all right, we gonna take shots. Man. Also,
it's you used a very odd word here. You said,
let the insurance policy lapse.
Speaker 3 (06:17):
He had no insurance. You know, you don't pay your bill. Ye,
policy laps. They knew he didn't pay his bill, So
he's had a luck look into his own car insurance.
Speaker 1 (06:26):
I didn't know if there was a grace period there
that maybe we could take advantage of it. Okay, So
obviously the Georgia Florida thing is in play.
Speaker 4 (06:33):
I would just like to let everybody know what they
already know. I don't know where to make up, where
to get this knock Team Graham from, Well, it seems
is so well to me.
Speaker 1 (06:45):
Well, I mean I tell you that to me as well.
I think the Florida Georgia thing does it. He just
said it makes a big difference. So Georgia law has
to come into play here. But I don't know how
or why I don't because obviously Georgia law maybe offers
a little bit more than Florida does for their particular
for their bodily in thing.
Speaker 3 (07:00):
Yeah, Georgia law is much better for bottle injury liability.
Speaker 1 (07:03):
Is it really Yeah, because we have one of the
worst states for car insurance in the nation, do we not?
We do? We do? Yeah? The structure of what we
do here is terrible, thanks legislature.
Speaker 3 (07:11):
Yeah. Not good for the people that get hurt in
car accidents, that's for sure.
Speaker 4 (07:14):
Wow.
Speaker 1 (07:15):
So, I mean if I don't know what George's limits are,
I mean I kind of know what the Florida limits are.
CT scans twenty case, you get twenty thousand dollars, we're
out nineteen grand nine for the truck and ten thousand
dollars of medical bills. I mean, I wonder if Georgia
law is going to take care of one of those
and not the other, or possibly both.
Speaker 3 (07:32):
Well, here's the situation. He's got a policy that he bought.
His policy says, we're talking about the Afall Party. The
Apole Party's policy says, we have a limit of ten
thousand dollars to pay towards your injuries, and we have
a limit of ten thousand dollars to pay for your accident,
for your damage to your truck, ten thousand for the injuries,
(07:52):
ten thousand for the truck. Now, the attorney that was
handling this told them that's all you could get. You're
out of luck. And that's when he called me to
see if there was anything I could do to help.
So what you do is you look at the insurance
policy of the abfault person, and that policy says that
we will conform the limits of your policy to whatever
(08:16):
is required as a minimum in the state where you
get a way to cause an injury.
Speaker 2 (08:21):
Wow.
Speaker 1 (08:22):
So that means in Florida, if you have a Florida
auto insurance policy, you get into an accident in Georgia.
Lest in Georgia. Right Georgia. George's law Lord freeempt.
Speaker 2 (08:33):
Right.
Speaker 3 (08:34):
Georgia's policy limits that they required twenty five thousand dollars
to pay for someone's injuries and twenty five thousand dollars
to pay for someone's property damage.
Speaker 1 (08:42):
Wow.
Speaker 3 (08:43):
Really yep, So this fella who caused the crash only
had ten thousand to pay for the car the pickup
truck and ten thousand to pay for the injuries. Now
the insurance agrees, yes, we have to comply with Georgia law. Yes,
our policy says, fella from Jacksonville, if you cause an
accent in Georgia, will provide you the minimum requirements of
(09:04):
the law that George requires, and that's what we're going
to do. So they end up having to pay for
this guy. They're going to pay. They've already agreed to
pay the nineteen thousand dollars for damage to his pickup truck,
and they're going to turn around and I'll ultimately play
the twenty five thousand dollars for damage to his for all,
he's got twenty granded medical bills.
Speaker 1 (09:21):
Wow.
Speaker 3 (09:22):
And in Florida, you don't get money for your pain, suffering,
mental anguish, loss of enjoyment of life, those kind of
human losses you have when you get hurt unless you
have some kind of permanent damage documented by a physician.
That's Florida law. You don't get money for those what
lawyas call non economic damages, not not hard money damages,
but the loss of your personal life caused by your injuries.
(09:45):
You have to have a permanent injury in Florida to
get that. There's some exceptions, but in Georgia you don't.
So that's why they'll ultimately end up paying the twenty
five thousand dollars under that fella's ten thousand dollars policy
to this injured buster fellow also.
Speaker 1 (10:01):
Wow, wow, I bet he was super happy to hear that. Absolutely,
I mean, you're going to go in from nineteen Are
you sure?
Speaker 3 (10:08):
Are you sure? Because Large told me no, are you sure?
I said, yeah, I'm sure, I'm sure. And once once
we got Progressive on the line and they said yeah,
we'll pay the nineteen grand. He was relieved.
Speaker 1 (10:17):
So, I mean, does it matter if you have the
same company at all, or does any of that really matter,
Like both of you are Progressive or Geico or State
Farm Customers, does that have any impact at all? It
probably would not.
Speaker 3 (10:27):
But this particular policy, of course said if you're an
accident in another state, we will provide insurance coverage that's
the minimum required for that state. So if somebody has
ten thousand dollars in bodily injuryliability coverage and they get
an accident in Georgia and they hurt somebody, the good
the chances are your insurance company is going to have
to pay that twenty five instead of just ten.
Speaker 5 (10:48):
And Glenn, you're able to handle this case without being
because I'm always.
Speaker 1 (10:53):
Licensed licensed in Georgia.
Speaker 3 (10:55):
If I had to file a lawsuit, that'd be a problem. Okay,
because to be able to follow alaw suit in Georgia,
I'd have to be licensed in Georgia. So but this
is a case where we're not gonna We're not gonna
have to follow lawsuit. They're just gonna pay them money.
Speaker 1 (11:06):
What states are the best? Like when you when you
when you know the ones that are the worst. I
know Virginia is terrible. Virginia's bad.
Speaker 3 (11:14):
I know that because my daughter was in Virginian in school.
Virginia is terrible. Virginia's a state that if you're one
percent at fault, you get nothing. What yeah, yes, So
unless it's a rare end collision. The other side always argues,
you should have seen somebody running a stops on, you
should have had time to stop, you were going too
fast or whatever. Virginia is bad. North Carolina's the same thing.
(11:36):
One percent fault you get nothing. Whoa yeah. Yeah.
Speaker 1 (11:39):
And here we thought Florida was the worst, Well.
Speaker 3 (11:41):
They you know Florida is bad too.
Speaker 1 (11:43):
Yeah. Are are there any states where I mean, you know,
obviously you can look at it and go well, I mean,
if you get in a wreck here, you're gonna be
an okay shape, I mean, are there states that are
a bit more lenient when it comes to us.
Speaker 3 (11:54):
Sure, yeah, sure there are.
Speaker 4 (11:56):
Now I'm so, what would happen and if this call
accident happened in Florida?
Speaker 1 (12:02):
A little switch arou If.
Speaker 3 (12:04):
That's a great question. Oh, thank you, that's a great question.
Speaker 1 (12:08):
He's soundshocked himself.
Speaker 3 (12:10):
If this accident happened in Florida, the at fault party
would only have to pay ten thousand dollars. They only
has ten thousand dollars to pay for the truck, and
he's out nine grand and there's only ten grand to
pay toward medical. He's out ten grand in medical. And
that's what the lawyer that looked at this case first
didn't realize that there was a situation where since it
happened in Georgia, you can get more money.
Speaker 1 (12:30):
Hey, is it is it the case that? I mean,
regardless if you're handling the case or not. I mean,
you know, much like with doctor's appointments and diagnoses of
that nature, do you recommend always getting one or two
opinions when it comes to situations like this, especially when
you're bodily injuries and the you know, I mean, obviously
in this case, it's easy because this guy's going to,
you know, be out nineteen thousand dollars. But even if
(12:51):
it isn't that defined, would you suggest maybe calling more
than one or two people.
Speaker 3 (12:55):
Yeah, if you're not happy with the with the advice
you're getting, you should get a second opinion.
Speaker 1 (12:59):
Yeah, and that's the cost anything, no problem. And one
of the other problems we know that people have with
attorneys is they feel that anytime they call somebody to
talk or get advice, they don't wind up getting a
bill for it. And that's one of the things that
you really have staked to the reputation of your firm
on is that's one of those things that you have
a kind of an open source ability to call you
and ask questions.
Speaker 3 (13:17):
Yeah, that's true, but you know, I have to also
be careful. If somebody's got another lawyer. It's it's very
difficult for me to try to give them advice that
because they have another lawyer. It's it's something I'm not
supposed to do. But hypothetically I can say, you know,
the fact situation you're talking about, you need to talk
to the lawyer about this, this, this, and this, and
I sent them back to the lawyer to talk about this, this, this, this.
Speaker 5 (13:38):
But it's also interesting to note that I think a
lot of folks believe that because they've hired an attorney
and they may not be happy with that attorney services,
that somehow, even though you didn't sign anything that locked
you into a contract, a lot of people perceive that.
It's like, well, I can't get rid of this person
now I've I've already hired them. But what is the
reality in that.
Speaker 3 (13:59):
It's it's difficult if you've been with a lawyer for
a while to jump ship and go somewhere else. I
got calls like this all the time, and I, you know,
I get hesitant to take cases where I don't know
how they've been worked up. And you know, I just
prefer to handle cases that are fresh that people call me,
and I take them and run them with them and
I know how to work them up and rather than
(14:21):
have any deal with whatever somebody else has done already.
But there are you know, you have the right to,
you know, get another lawyer if you're not happy with
the lawyer.
Speaker 5 (14:28):
You have.
Speaker 1 (14:30):
Right, Yeah, for sure, all right for a seven nine
one six one text does seven seven zero thirty one
talking to Glenn clawsman from Closmon in the Law Again,
that's k l A U s m A in the
law dot com. If this is right there in winter Park,
always able and helpful to take. Gave you. What are
you doing for Halloween? You do anything for Halloween?
Speaker 5 (14:45):
You know?
Speaker 3 (14:46):
We're just giving our Yeah, of course we do. We
go over this severy year. Of course we do. I
gotta ask you absolutely well, why skimp on.
Speaker 1 (14:56):
You might have to do? You say how much chocolate
is this year?
Speaker 3 (14:59):
No I haven't.
Speaker 1 (15:00):
Yeah, it's going to the roof.
Speaker 3 (15:03):
Yes, that's not the only thing. Yeah, yeah, serious. And
you know what, I've got a bunch of uh those
T shirts left over from the uh SuDS and pops
you know, Closmon Law t shirt says car Crash called claws.
Somebody wants some of those that can come by my
office and if I have your the right size for
you still, I'm happy to give them away.
Speaker 1 (15:22):
Let's stick away and bring that'll be nice.
Speaker 3 (15:25):
Next year we'll do something different, different color. Next we'll
do green and with white letters instead of white with green.
Speaker 1 (15:32):
We'll really mix it up. They're very good, always good
seeing you buddy. You guys give it a good lab
for g claws. That's a good question, Mark, That was
a great question.
Speaker 3 (15:42):
Ross, You're right on that one.
Speaker 1 (15:46):
Four, seven, nine ones seven seventeen eighteen and uh, he'll
always take good call and take good care of you.
Thanks for a good scene, all right for seven nine
and six over one. Stay tuned. We got a fresh
keywork for you at the top of the hour and
that's happening next
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