The Troubleshooter 06-12-26

Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Forty five years strong, solving your problems, answering questions, taking complaints.
This is the Troubleshooter Show. Now Tom Martino.

Speaker 2 (00:13):
Hey, good morning.

Speaker 3 (00:14):
This is John Fuller filling in for Tom Martino for
the third day this week. Excited to be happy Friday. Today,
We've got another exciting show. But as you know, Fridays
are car Day, so we are excited to deal with
all things cars. And you can give us a call

(00:36):
at three oh three eight one three or seven one
three eight two five five. Sorry that's three oh three
seven one three eight two five five.

Speaker 2 (00:44):
We have in the.

Speaker 3 (00:44):
Studio Kevin Culkin was shared in Auto Tech, a wealth
of knowledge that's here to help you with all of
your issues. In addition to cars, we have a list
that is a mile long of every expert that you
can imagine here in the Denver area to handle whatever's
going on in your life. We have doctors, lawyers, plumbers, roofers, contractors, mechanics, attorneys,

(01:10):
just about everything and we are here to help you.

Speaker 2 (01:13):
So give us a call.

Speaker 3 (01:14):
We would be honored to take your call and help
you with what's going on. We solve problems, take questions,
answer complaints. We do it all here and so we
look forward to helping you today.

Speaker 4 (01:24):
John, And since you're the big time personal injury lawyer,
we're going to kick things off later on today with
do I have a case?

Speaker 2 (01:32):
Game?

Speaker 4 (01:33):
And this case is true and it's from my own
personal life, and you're really going to kick get a
kick from it.

Speaker 3 (01:39):
Nothing would excite me more then a vibrant round of
do I have a case? So yeah, we're going to
have fun today. So, Kevin, what's going on in your world?

Speaker 5 (01:52):
Same thing. You know, we're busy, busy, you know, summer's here,
so the travels on, everybody's moving around, and you know, yeah,
it's been nice.

Speaker 4 (02:00):
I was a shared not of tech visiting Kevin just
a couple of days ago, and every parking spot was taken.
I had a park in the parking lot next door,
like right next to the front door.

Speaker 2 (02:10):
So Kevin, that's a really good sign.

Speaker 4 (02:12):
It's a good problem to have, and congratulations and having
the kind of reputation that fills up your parking lot
and your base.

Speaker 5 (02:19):
Yeah, no, it's it takes a while, but no, it's
we have a really really good customer base.

Speaker 2 (02:23):
Is there a cycle? I mean, over the course of
the year or how does how does it work for you?

Speaker 5 (02:28):
Well, more so the heat brings more problems, more issues,
more concerns than the cold, and you know, mild wet,
mild dry weather nothing. So yeah, definitely summertime is busiest
and you know, followed up closely by Yeah, it depends
on the winter we have, right, right, but it definitely
runs that way.

Speaker 2 (02:48):
Do you find that, I don't know, do you ever look.

Speaker 3 (02:51):
At it just out of curiosity? Like what's your average car?
I mean, is your average car four years old?

Speaker 5 (02:58):
Just ouy know, it's changing. They're getting older and older,
are they? Yeah? No, I'm we were looking at that. Well,
it depends. I mean, we do a lot of maintenance
on newer cars, right, so those are quick tickets, but
I mean more than fifty percent or ten years are
older now really?

Speaker 4 (03:12):
Oh yeah, oh yeah, John, I personally drag down his
average because I have a pair of I have a
twenty year old cars that I bring in for scheduled
maintenance over there, So that's worth another year and a
half off of Kevin's average.

Speaker 3 (03:26):
Is there an antique car discount that you have people likes?

Speaker 5 (03:32):
He's rapidly approaching the cutoff, though, we get we don't
take too many older cars.

Speaker 3 (03:36):
With the modern like dimensions of cars and stuff. Do
you find that Dmitri needs like a space in the half?

Speaker 6 (03:41):
Oh?

Speaker 5 (03:42):
Yeah, you know he takes up two spots.

Speaker 4 (03:44):
Yeah, with town cars so big and heavy, he has
to use two lifts to get it.

Speaker 5 (03:48):
Up in the air.

Speaker 2 (03:49):
I can only imagine. Do you still have texts that
know how to do that kind of stuff?

Speaker 5 (03:53):
Those a couple older texts. But I mean there's there's
days I'm back there too, because they don't know. None
of my guys can work and carbureze.

Speaker 2 (04:01):
I can imagine, I can imagine.

Speaker 3 (04:03):
And I mean conversely, it's got to be hard to
stay on the cutting edge of the stuff that is
coming out because I mean cars today are unrecognizable compared
to what we had even just five or six years ago.

Speaker 5 (04:17):
Yes, especially the electronics. Everything is controlled by a module
which talks to another module which talks to the mothership
where talks to it. It's crazy. Yeah.

Speaker 3 (04:27):
I pulled up some articles and stuff that we're going
to talk about, and that's one of the subjects that
I want to get into today.

Speaker 2 (04:34):
But just as a teas and stuff, do you feel like.

Speaker 3 (04:39):
And this article kind of alludes to it that there's
this constant battle where the manufacturers are less than enthusiastic
about releasing the stuff that the independent guys need to
be able to really get into those systems and diagnose
and treat and cure and fix and everything, like.

Speaker 5 (04:57):
Yeah, there's some of its proprietary is we call where
you know, the Europeans and and you know foreign cars
are much more prone to the proprietary than the American cars.
But yeah, no, it's it's a battle. They're constantly in
court fighting for the release of information.

Speaker 3 (05:12):
Yeah, okay, Well, we're going to get into that in
more detail. So again, we are here for you. It
doesn't have to be related to cars, but we are
here specifically on car Day. So give us a call
three or three seven, one, three, eight, two five five.
We're going to go right to the phone though and
talk with Devin. Devin, what's going on with you, sir?

Speaker 7 (05:31):
Good happening, mister Puller.

Speaker 8 (05:32):
So I kind of have a dumb.

Speaker 2 (05:34):
Question, okay, okay.

Speaker 8 (05:35):
So I sold some land at a residential lot last year,
about nine months ago, okay, okay, and the person paid
for the lot. I sold this lot on eBay the
person paid for the lot. We had a d drawn up,
we had it notarized, and we mailed it to the buyer. Okay,

(05:56):
So I assumed that he was just going to have
it signed, notarized and he was going to send it
in to the county to have.

Speaker 2 (06:05):
It recorded recorded, right, Okay.

Speaker 8 (06:09):
So he never did that. And the only way I
found out about this is we have our house for
sale which is adjoining that lot, and a real estate
agent came with a buyer and she asked me about
the lot and I told her that we had sold it,
and she said, well, I just I checked with the
county and it has not been recorded. So then I
checked with the county and sure enough, it had not

(06:30):
been recorded. So I reached out to the buyer and
he insisted that he had sent it in and that
it must have gotten lost. Then I checked with our
HOA to see if he had been paying the payments,
and he had not. So at that point I was
just looking for some resolution. Either he needed to take
care of this or he needed to we needed to

(06:52):
dissolve the transaction and pretend it never happened. So my
question is do I have grounds to take him the
small claims for the HOA fees that have accrued since
last year.

Speaker 2 (07:05):
Have you paid them?

Speaker 8 (07:07):
I have not, but I'm going in to pay them today.
You know, I just became aware of it, so I
obviously need to get it caught up, so I'm going
to go in and pay it. So I'm curious if
I have any legal action grounds for legal action against him,
because I did.

Speaker 3 (07:23):
You guys have a like a written contract drawn up
for this transaction or was this kind of all verbal
and then you just prepared your own deed? Or how
documented was this transaction?

Speaker 8 (07:34):
Well, the transaction was documented enough that I have a
copy of the eBay listing and he paid through PayPal,
so I have a record of his payment. Then we
have a friend who's a paralegal. We reached out to
her and she said she asked the attorney that she
worked for, and he recommended that we just do a
general warranty deed and then have it signed and Notariyes,

(07:54):
which is what we did since there was a small amount,
so that's how we proceeded.

Speaker 4 (07:59):
But it sounds like the buyer never recorded that warranty
deed with a with a with a county right. That's
correct and he never told the HOA that he now
is the owner of this property. So basically, our caller
is kind of in this weird limbo. He did call
us about a month ago.

Speaker 3 (08:17):
Okay, it seems I mean my so let me throw
a couple of little caveats out there.

Speaker 2 (08:23):
I am not a real estate attorney.

Speaker 3 (08:25):
I handle accident cases, and if you get in an
accident on the way to paying your HOA fees, I'm
the guy to call. But but you know, my intuition
on this says you're not the owner of the property.
You've conveyed it to this other guy, and therefore the
HOA wanted to come after you for payment of those fees.
You'd have a complete defense by saying I have a

(08:47):
copy of assigned deed.

Speaker 2 (08:48):
Here's your new guy.

Speaker 3 (08:49):
You know it's not required that he recorded to make
that an official transaction.

Speaker 2 (08:56):
I mean he should recorded.

Speaker 3 (08:58):
The taxes are going to come due, and you're not
responsible for those either.

Speaker 2 (09:01):
But you're not the owner of the property anymore.

Speaker 3 (09:04):
You've conveyed that to the new buyer, and I would
think you could give the buyer's information to the HOA.
But what's the worst that happens If the HOA wants
to foreclose on the lot. You don't care. You got
paid for it, you don't own it anymore. I probably
would not go down and pay those HOA fees. I
don't see anything to be gained with that. If you

(09:24):
want to try to unravel the deal, that's up to you.
I don't know why you would do that. You got paid,
You conveyed the property to the other guy.

Speaker 6 (09:33):
Move on.

Speaker 2 (09:34):
Whether he pays or not is his problem, not yours.

Speaker 4 (09:37):
You know, John, There's another interesting wrinkle to this story.
Devon unfortunately sold the property for only fifteen hundred bucks
because there weren't any other bidders there. So if there
is a way for Devon to kind of legally take
back this property, he would come out way ahead.

Speaker 3 (09:53):
I don't know what the grounds would be. It's not
his hoafee to pay. You can't accuse the of breaching
anything in the contract. The buyer paid the consideration that
was that was laid out in the contract. They he
did everything, and he delivered a deed. I mean that
that's a complete transaction. We have, we have consideration, and
we have delivery of the deed that the deal is done.

(10:16):
I think he doesn't own the property anymore, So I
don't know what grounds he would go after the guy for.

Speaker 2 (10:22):
Well, do you.

Speaker 8 (10:23):
Think that the HOA can lean my home? Because I
have it for sale? So I'm afraid I'll get to
clothing with my house and then they're gonna lean.

Speaker 7 (10:32):
This because of that.

Speaker 3 (10:33):
No, if you're paying your HOA dues on your property
and it's specified that you're paying for lot one and
you don't own lot too anymore, that's going to be
a short conversation at the title company. Is I don't
own that property. It's not being conveyed when you sell
your house, and so how could they?

Speaker 8 (10:52):
Well do you think I can go into see according
to the state and the assessor's office, it's still in
my name because he did not record it. I can't
record it without his signature, can I?

Speaker 2 (11:03):
I don't know why not. Honestly, did you ask him that?
Did you ask?

Speaker 8 (11:08):
I called them and they were their heads were spinning off.

Speaker 3 (11:11):
I'm spinning a little bit. But it's a it's a
it's a legal document. It pertains to the ownership of
the property. You could certainly talk to them, but I
don't know why you couldn't file that you know, what's
he going to do, just claim that he owns it
down the road maybe.

Speaker 4 (11:26):
And you know, okay, when you file stuff with the government,
anybody can file stuff. They're required to accept things for filing,
provided the thing is consistent with what's usually filed exactly.
So why couldn't Devon go and file this warranty day?

Speaker 2 (11:40):
I think that's what I would probably do, and and
let them tell me no. Would be would be my approach.

Speaker 3 (11:45):
I would tell the HOA, I don't own that property anymore,
don't bother me about it. I would sell my house
and move on. If the title company wanted to make
a sink, I would deal with that at that point.
But otherwise I think it's not your property and it's
not your problem.

Speaker 2 (11:59):
I feel that way now.

Speaker 8 (12:01):
I don't have the original because I mailed the origins
to him, so I only have a copy of You
think I'm all right with that as well?

Speaker 4 (12:07):
You can try it, try it happened. I mean, they're
not gonna look for blue ink that smears right. They
just want to properly execute a document.

Speaker 3 (12:16):
Unless it's thirty pounds extra bleached white paper that you know.
That's a different inside joke sorry about that, Devin. Hey Devin,
thanks for the call. Hopefully that works out for you.

Speaker 2 (12:25):
Good luck. I think you're in the clear and you're
not gonna have any issues.

Speaker 3 (12:28):
But we're going to go to a break right now,
and when we come back, we'll get Bob next and
we'll take care of your problems.

Speaker 9 (12:38):
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Speaker 10 (12:42):
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Speaker 9 (12:47):
Time for an insurance checkup free, no obligation comparison call
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three nine two zero sixteen twenty two.

Speaker 3 (13:12):
All right, good afternoon or good morning? Still, I guess
it's Friday. I'm anxious to call Friday done and over with.
I guess so we still got a little ways to go.
This is John Fuller. I'm here filling in for Tom
Martine on the Troubleshooter Network and we're here to help
you with all of your problems. Give us a call
at three three seven one, three eight two five five.

(13:33):
In the studio with us, we have Kevin Culkin who's
with Shared and Auto Tech, and we have a caller
on the line, Bob, who has a question for Kevin.

Speaker 2 (13:42):
So let's go straight to Bob. What's going on? Bob?

Speaker 7 (13:46):
Hey, John, thank you so much for taking my call.
Of course, Kevin, I have a well, essentially my wife.
She has a two thousand and six Trailblazer LS and
he's a daily driver just around town. But over the
last few months, when she'd have the air conditioning going,

(14:07):
like on the high speed, it would all of a
sudden quit and she turned it off and then wait
a little bit, turn it back on and it work again.
Today when I went out to go, it's not doing nothing.
The fan isn't blowing at all. So I'm looking for
a diagnosis, and well it's gonna take to fix it.

Speaker 5 (14:26):
Yeah, No, it's it's it's not uncommon on those you know,
the agent stuff to resist her and the fan is
usually the issue. If it quits and you change speeds,
does that change anything or it's just all or nothing.

Speaker 7 (14:40):
Well, today it's it's there's nothing. It has been that
all the speeds work, but it was on high and
had all of a sudden just quit.

Speaker 2 (14:47):
Sure, and then you turn it off and yeah.

Speaker 7 (14:50):
But today it's not doing anything, and my wife is
not happy when exactly it's strange, but life's not happy.

Speaker 5 (14:59):
At better that it's not working at all. It's going
to be easier to find.

Speaker 7 (15:04):
Okay, you're have any idea of a price on that?
And I know right where you're at. I've been your
shop before.

Speaker 9 (15:10):
Yeah.

Speaker 5 (15:10):
No, the thirty second phone call is we need a
love bit more net.

Speaker 3 (15:13):
So you know what's involved in diagnosing something like that?
What do you have to do in your shop to
really root through to the actual cause of it.

Speaker 5 (15:21):
Probably we just need to start tracing powers. Okay, you
know the fan's not working, so you work from the
fan backwards. You see if there is power at the
fans this power at the fan. You check the fan.
You know, if there's no power to time man, you
go back through the circuit to see where the power drops.

Speaker 3 (15:35):
How do you do a diagnosis like that in your shop?
Is that just a checkout fee.

Speaker 5 (15:41):
Or typically you know, we asked for an hour you
know which if it takes ten minutes, we're not going
to turn to the hour, but we want to have
approval for an hour in the event that we need it.

Speaker 2 (15:51):
Yeah, that's fair.

Speaker 5 (15:51):
Uh, you know, if it's a five minute diagnosis, we
just include that in the replacement of the part.

Speaker 2 (15:57):
Okay, And how would Bob make an appointment?

Speaker 5 (16:00):
Just give Isaiah call you know the three oh three
four five five seven two four two. He'll get you
in there.

Speaker 7 (16:07):
Okay, perfect, I'll do that. That's the number for Shared
that Auto take in my phone.

Speaker 2 (16:11):
What's that number again?

Speaker 5 (16:13):
Three three four five five seven two four to two.

Speaker 4 (16:16):
Shared an Auto tech Callfax and Wadsworth Caddy corner from Walmart.

Speaker 7 (16:22):
Thank you guys.

Speaker 3 (16:24):
Thanks Bob, Good luck with your AC and your and
your wife as well. So that's a I mean that
that kind of leads to what we were talking about
before the before the show today, and it's like, you know,
there's so many cars out there with these crazy complicated
computer systems and stuff. It's not just a matter of
flipping of an analog switch and not having the fan

(16:47):
come on anymore.

Speaker 5 (16:47):
Sure in the misconception that there's this magic scanner right
if you plug into the magic plug and it spits
out the diagnosis for you. Yeah, it just doesn't exist. Yeah.

Speaker 3 (16:58):
Are there are there cars that that come in that
you just can't work on that you just say, like,
we just don't have the capacity to know.

Speaker 7 (17:08):
There are some.

Speaker 5 (17:08):
In fact, we ran in one yesterday and a Q seven.
You know, we thought we had a pretty good grip
on what was going on, and everything we checked was
not what we thought we we knew, and we just
we just had to back out. Yeah, yeah, we can't
do everything, but you know, percent of them come in,
we can take care of it.

Speaker 2 (17:25):
Yeah, I think ninety five percent is phenomenal, just given
all the crazy stuff that's out there.

Speaker 5 (17:31):
It's all different too, that there's not a lot of
commonality from one make to another anymore.

Speaker 3 (17:35):
No, and then there's people that ship cars from overseas
that are brands that we don't have anything even remotely
close to them here and then wonder why it's hard
when they go need service on the car or something
like that. So we have another caller on the line, Andrew,
you are on the air, sir, what's going on? Andrew? Hello, Andrew?

(18:01):
He yes, there you are, Andrew. What's going on?

Speaker 6 (18:04):
Okay, Yeah, So my my son lives at an apartment
complex in Thornton and we kind of had those kind
of crazy storms.

Speaker 2 (18:14):
The last couple of weeks.

Speaker 6 (18:17):
And so his car was parked in the apartment parking
and one of the like the trees in the landscape
split and kind of fell over. And it didn't, I
mean crush the car, but I did some you know,
damage on the paint and everything. But I was just

(18:37):
curious if it would be best to pursue that with
like the renner's insurance or would that fall back on
maybe the apartment complex.

Speaker 2 (18:46):
Yes, you know, it's a liability. Oh that's a.

Speaker 3 (18:49):
Great question and one that comes up probably more in
the winter when we get big snows and you have
big limbs falling stuff. But for the most part, the
the person that owns the property that gets crunched under
the limb is out of luck in trying to get
the owner of the tree to pay for that, unless

(19:12):
there is a problem with the tree that was known
and ignored, and that is really hard to you know,
to prove kind of after the fact. You can you
can look at a you know, you'd see sometimes a
big limbs fall and the inside of it is rotten
and you're like, oh, well, that tree's been rotten for
twenty years, it was a danger. Well, only if you
knew it was a danger, and you could you could

(19:32):
say that the lack of fixing it or taking care
of it was negligence, then maybe. But simply the act
of owning a tree falling limbs is what trees do
in storms. And and the proper place to call for
your son is going to be his comp comprehensive coverage
on his auto insurance. And if he has full coverage,

(19:54):
he'll they'll take care of that. They will charge him
a deductible But absence some really crazy circums answers about
the tree, I don't think certainly not Renter's insurance. And
I would be shocked if the HOA or the condominium
management problem, you know, or the apartment management had any
had any coverage for that at all.

Speaker 6 (20:14):
Okay, Yeah, because he's got just liability on it, so okay,
but okay, well, yeah, I appreciate it.

Speaker 4 (20:24):
Andrew has he talked to the apartment management people to
see if they're willing to step up and pay for
his damages.

Speaker 6 (20:32):
Uh, he was kind of apprehensive that, you know, kind
of feeling that they might, you know, give him issues
like retaliatory.

Speaker 5 (20:43):
I would definitely talk to him before I suit him, though,
if you're worried about retaliation, just have a conversation first.

Speaker 6 (20:48):
Right, Yeah.

Speaker 3 (20:50):
I don't think there's ever any any blowback from a
conversation where you say, is there coverage for this tree
falling on my car. It's not like you're walking in
the door saying I'm calling the attorney if you don't
pay me right now, or something along those lines. I mean,
it's all in the approach and how you handle something.
But you know, I don't think a courteous conversation is

(21:13):
going to get your son in trouble there, and there
may be some kind of coverage, but just generally speaking,
I think the rule is that that there.

Speaker 2 (21:21):
Is nothing you can really do. So gotcha, Okay, Andrew.
I appreciate the call.

Speaker 3 (21:27):
I wish we could be more help, but that's something
that comes up a lot. So again, the phone number
into the studio live you can get right through to
the experts today three three seven, one, three eight two
five five.

Speaker 2 (21:42):
Kevin Cochin in the house. We are here to help you.
It's car day, but.

Speaker 3 (21:45):
We're open for business for anything else that is on
your list of problems. So give us a call. We're
going to go to a quick break right now. We
will be back in.

Speaker 2 (21:53):
Just a moment.

Speaker 9 (21:58):
dot com.

Speaker 10 (22:02):

Speaker 9 (22:07):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one.

Speaker 2 (22:18):
Help.

Speaker 9 (22:18):
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 3 (22:35):
All right, good morning, John Fuller here on the Troubleshooter Network.
We are back live on the air and we are
waiting for your calls. We are here to solve problem
to answer questions, take complaints, help you work through just about.

Speaker 2 (22:47):
Anything that you've got going on. We've had a couple
of great calls today already, uh and we're here for you,
So give us a call. Now's a great time to
get right through and.

Speaker 3 (22:57):
We're looking forward to it, so, Hey, I wanted to
talk You know, this is kind of a broad issue,
but it.

Speaker 2 (23:04):
Kind of goes hand in hand. I saw an article
this morning.

Speaker 3 (23:08):
That talked about, you know, we talked about the price
of parts and all that kind of stuff this morning,
and how that really relates to if you think about it,
the incidences where they total a vehicle that sustained damage
and stuff. And the point that the article was making
was that they're just totally more cars than ever before,

(23:30):
and these are cars it could be fixed, but for
the fact that prices have gone up and stuff like that,
and so you know, it kind of doubtails exactly into
what's going on in my business as well. And it's like,
you know, we've had twenty five thousand dollars minimal limits
in Colorado for as long as I've been practicing. That's

(23:52):
been the base forever. And I'm not so sure that
the insurance companies aren't thrilled about that because it just
caps reliability and if it was more, they know they
would have to they'd have to pay out a lot more.
But in the twenty five years that I've done this,
I mean, it used to be that an emergency room
visit was you know, twelve fifteen hundred dollars, maybe maybe

(24:14):
twenty five hundred if they you know, got a couple
X rays or.

Speaker 2 (24:18):
Maybe an MRI or something.

Speaker 3 (24:20):
And now it's nothing really surprising to get an er
bill that's ten, twelve, fifteen, twenty. I think the gentleman
that was here the other day Brad said his wife's
ER bill was seventy five thousand dollars.

Speaker 5 (24:33):
The ALYSS rides three grand there, yeah, instead a five.

Speaker 3 (24:36):
Hundred, and so it's no shock to the system that
you know, oh it was a policy limits case. Well yeah,
but the services that went into helping that person recover
and stuff costs eight times more than what it did
twenty years ago. So I mean, so what would be
an appropriate level of coverage? I mean, if you could

(24:57):
just say, all right, we're gonna you know, I know,
all of us have greater than the minimal limits of coverage,
but we all do that so that we can buy
enough coverage to protect ourselves and uninsured motorists and stuff
like that. But there's still sixty something percent of the
people out there in Colorado that have either no insurance

(25:18):
or the minimal limits weight.

Speaker 2 (25:20):
What percentage sixty right at two thirds, that's insane.

Speaker 3 (25:24):
Have either no insurance or the minimal limits of twenty
five thousand.

Speaker 2 (25:28):
Two three cars you see on the.

Speaker 3 (25:30):
Road, look to your left and look to your right.
One of those people is going to have no insurance. Wow,
that's the minimal limits. You know, the same thing, same
thing if you've only got twenty five and a trip
to the er can be seventy five grand for somebody
that basically is not hurt. That's just ruling out stuff
in MRIs and you know, cat scans and stuff like that,

(25:52):
which the ers are all too happy to do because
you know they're gonna get paid for them. There is
something just in hair wrong with with the overall pricing
structure and the lack of things like minimal limits and
stuff to keep up with it. And so so it
kind of, you know, that dovetails into this whole affordability

(26:13):
thing that all the politicians keep talking about, and it's like,
what is what does affordability mean? You know, how is
somebody going to wave the magic wand and make how
far back in time do you have to go to
say now that things are affordable?

Speaker 5 (26:30):
It's just it's talking points. I don't think there's any
any legitimacy to anybody saying affordability.

Speaker 2 (26:35):
Yeah, we're going to make health care affordable. No we're not.
We're no, we're.

Speaker 3 (26:39):
Not going to affordable health care, affordable.

Speaker 5 (26:42):
Elects me and housing will be affordable.

Speaker 3 (26:44):
And they're like, well, we're gonna we're gonna inspire affordable
housing to be built.

Speaker 2 (26:48):
Well, how many of them? Yep, ten thousand of them
and those expense.

Speaker 3 (26:54):
Yeah, well, even if even if the candidate took out
their wallet and built two thousand homes, do you think
that would make a measurable dent in the averages for
your monthly cost of living, your monthly rental, your monthly mortgage, whatever.

Speaker 11 (27:12):
It wouldn't even it wouldn't even be noticed. It wouldn't
even make a flip the needle. So what is it
going to take to achieve anything? How do we reset
the clock?

Speaker 2 (27:26):
Is it?

Speaker 6 (27:26):
Is it?

Speaker 2 (27:26):
Evaluation of the dollar thing?

Speaker 5 (27:28):
Is it?

Speaker 2 (27:29):
You know? What? What is it?

Speaker 3 (27:30):
Why does it cost you know, six hundred dollars for
a break job now? And and you know it, it's
the same break job, same pad, same car, likely, right,
So it's just it's just crazy and we you know,
we we just kind of blink and this happens without
anybody noticing.

Speaker 2 (27:51):
But but here we are.

Speaker 3 (27:52):
And so the article that I read was just like
seven out of ten cars that are in accidents are
getting totaled, and that it has a huge impact downstream
with everything else, your parts, you're you know, the natural resources,
the metal that goes into producing those, the electronics, the
repair jobs.

Speaker 2 (28:09):
You know. Now you've got you've got a lot more
new cars that were put into the stream to replace
the ones that were taken out because they were made
total losses.

Speaker 4 (28:18):
And John, if I understand you correctly, they were total losses,
not because the damage is more severe this year. It's
because the repair costs are so much higher than they
were a few years ago. Right, So these cars would
not have been total five, ten, seven.

Speaker 3 (28:31):
Years ago, almost certainly not because the total dollars that
it would take to repair them was a lower percentage
of the overall value. And now the values and so
values are starting to come down a little bit. You
think about all the COVID used cars that were so
expensive and stuff. They're starting to normalize and come down,
well now, but parts and repairs and stuff haven't. So

(28:55):
now it's easier than ever for you to achieve, like
say a seventy five percent ratio there, Like, if the
cost to repair is more than seventy five percent of
the of the value, we're going to total it or
fifty or.

Speaker 2 (29:08):
Whatever number you want to use there. It doesn't matter.

Speaker 5 (29:10):
A lot of it too, is unknown. There's so many
systems on a car that they want to air on
the side of you know totally. Yeah, because once they
get digging into it and spend twenty twenty five grand
and then they start finding another that's right, fifteen twenty,
they cut it really really quick.

Speaker 3 (29:26):
They don't want to take the risk exactly. They know
as soon as you start digging into that car, all
bets are off and you your.

Speaker 5 (29:33):
Systems, the ad D systems, you know, all the cameras
that are on cars. Everything, it gets very very expensive
very quickly.

Speaker 12 (29:39):
You know, John, what about the availability of parts.

Speaker 13 (29:43):
Let's say a car gets in an accident and Kevin,
if the part is like six months to a year
out with that cause insurance company to total vehicle.

Speaker 5 (29:53):
No, because they capped the rental anyway, So they don't
really care about that. They're coveras is what it is.

Speaker 3 (29:59):
Yeah, Okay, yeah, well it did play a role, like
do you remember the tsunamis that you know, happened off
the coast of Japan and for you know months, we
had difficulty getting parts and stuff in my business. Where
so I'm I'm a little bit skewed because the only
people are represent are victims, the people that were not

(30:21):
at fault for the accident, and so it was always
the responsibility of the other insurance company to pay for
that rental, so we weren't looking at their own policy.
There was like where there was like a ten day
rental or something like that, so they would be stuck
for the whole thing. So many times I think you're
you're right, but broadly speaking, the unavailability of parts would

(30:43):
result in them saying, look, as a business decision, it's
going to be cheaper to total this car out pay
for the whole thing than to be on the hook
for a three month rental or something like.

Speaker 2 (30:54):
That and then repair and then the repair that we
still don't know about.

Speaker 3 (30:58):
When once Kevin starts digging in their so just crazy.
We're gonna go on another break here real quick. When
we come back, we're gonna talk more about this and
we are here for you, So give us a call
off seven one, three eight two five five is the number,
and we'll be right back.

Speaker 9 (31:15):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're contenth
time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three all three, seven seven
to one.

Speaker 2 (31:35):
Help.

Speaker 9 (31:35):
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 2 (31:54):
Good afternoon.

Speaker 3 (31:55):
We are back lab in the studio at the Troubleshooter Network.
Tom Martino is out today. This is John Fuller filling
in for Tom and joining us in the studio. Now
is the great and wonderful mister Deputy Bo.

Speaker 2 (32:09):
How you doing Bo?

Speaker 12 (32:11):
I'm doing good. I'm ready to take on some cases.

Speaker 3 (32:13):
All right, all right, well, we've got some lined up here.
We're going to go right to the phones here. Edward,
you have a car or a question on a car wraps?

Speaker 2 (32:23):
What's going on with you.

Speaker 14 (32:28):
Just kind of wondering if they're actually worth it, because
I know they can be a little bit pricey and
sometimes they don't last as long as everyone says they do.

Speaker 3 (32:35):
So what are you trying to accomplish by wrapping your
car there?

Speaker 2 (32:39):
Edward?

Speaker 14 (32:41):
I know, like the teples are not really great for
the pay jobs, and here are a lot of people
just kind of wrap them or like a protective wrapping
on it. And that's pretty much the concise of it.

Speaker 3 (32:52):
Are you wrapping your car just for the looks of it?
Or are you wrapping it to promote a business or
what are you trying to.

Speaker 15 (32:59):
Do for aesthetics?

Speaker 14 (33:03):
Looks?

Speaker 2 (33:03):
Just for looks?

Speaker 5 (33:05):
So like a clear rap, are you adding a design
or a color?

Speaker 6 (33:08):
Yeah?

Speaker 2 (33:08):
What do you have in mind? Tell us about I.

Speaker 14 (33:11):
Haven't decided yet, but I would I would say either
clear or possibly like a color.

Speaker 5 (33:17):
Okay, Yeah, Well they're not permanent. You know, they do
wear out and they do deteriorate over time.

Speaker 3 (33:22):
But you know, yeah, and then you know, especially here
in Colorado, the sun is really intense on them. So
I mean, I think if I were thinking seriously about that,
it would it would only be at you know, after
knowing that I had a place to park it that
was out of the sun, and you know, I could
kind of protect it because they're not cheap, and if
you just leave them out in the sun for you know,

(33:44):
a season or two, I think they would be.

Speaker 5 (33:48):
Like everything else, it's going to fade like any other sign,
any anything you put outside in the side.

Speaker 2 (33:53):
Are you trying to wrap a tesla or what car?

Speaker 14 (33:59):
I'm about to be in the market for one.

Speaker 6 (34:02):
So for thinking about protective.

Speaker 3 (34:05):
Yeah, okay, yeah, I mean I think you see some
pretty cool ones out there, but I you know, I
don't know that that, you know, I think it really
depends on your use. The people that get the best
the best out of the wraps, or those that have
a business or something that they're promoting that they can
you know, probably write it off.

Speaker 5 (34:25):
And well they do protect against chips and stuff though,
they Yeah, because you don't have to get a complete wrap.
You can get a partial wrap of the nose or
different things to protect you know, prone spots.

Speaker 4 (34:35):
Kevin, when it comes to unwrapping that vehicle, does it
just peel off like a little bit, But yeah, it's
as a professional job to take it off. I think
so yes, yeah, and any idea what that costs?

Speaker 5 (34:47):
They very tremendously got to look around.

Speaker 2 (34:49):
Yeah, what what kind of rapp are you thinking?

Speaker 4 (34:52):
Are you just different color than Tesla warfers or something
super customized like those metallic wraps I see downtown? What
do you think about doing to your poor Tesla?

Speaker 14 (35:04):
I was thinking of like that melion thing where it's
like green in one angle and bright, pretty quil kind
of like that.

Speaker 16 (35:10):
Those are pretty awesome.

Speaker 2 (35:12):
Those are cool. They they do look off the Hey,
we'll be right back. We've got to go to a
heartbreak of good luck with that, Edward, send us a
picture when you get it.

Speaker 9 (35:20):
dot com.

Speaker 10 (35:24):

Speaker 9 (35:30):
Time for an insurance checkup, free, no obligation comparison call
Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three O three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 1 (35:51):
Forty five years strong, solving your problems, answering questions, taking complaints.
This is the Troubleshooter Show. No Tom Marzino.

Speaker 2 (36:03):
Hey, good afternoon.

Speaker 3 (36:04):
This is John Fuller filling in for Tom Martino on
the Troubleshooter Network, and I'm live in studio today.

Speaker 2 (36:10):
We have our elite cadre of deputies, Deputy D and
Deputy BO that are here in the house, and of
course we have Kevin Culkin, we shared an auto tech
who's here because it is car Day and that means
we are here with in house talent and expertise to
help you with all car related questions as well as

(36:31):
anything else that you've got going on in your life.
If you've been scammed, if you've been ripped off, if
you've been lied to, cheated, you name it, we're here.

Speaker 3 (36:41):
We've got an entire list of professionals here in the
community that are standing by to help you with all
things that are going on, and so give us a call.
The number here is seven one three eight two five five.
That is area three to three seven one three eight
two five five.

Speaker 2 (37:00):
Yeah.

Speaker 4 (37:01):
John, So yesterday we discussed having a new game here
when you were in when you were at the in
the studio, which is called do I have a case? Yes,
we did, because a lot of us don't know big
time personal injury attorneys like you. So here's an example.
Here's an example from my own personal life that's going to.

Speaker 2 (37:18):
Blow you away.

Speaker 4 (37:19):
Approximately eighteen years ago, I was in a gas station explosion.

Speaker 2 (37:24):
Okay, it's exactly what I said.

Speaker 4 (37:26):
It was going to be over there on where Callfax
meets I seventy on the eastern edge of Golden.

Speaker 2 (37:33):
It used to be a Texaco. I think it's something
else now.

Speaker 4 (37:36):
One crisp autumn morning, I pulled in there to refill
my car and I put the you know that that
the the hose nozzle into the fuel tank opening turned
it on. The pump was extremely slow, super slow, so
I decided just click, click, click a nickel at a time.

(37:56):
So I thought, well, maybe I'm at a defective pump.
So I said, I'm going to move my car. As
I reached to take the fill hose out of my car,
I heard the unmistakable snap of static electricity. Now this
was a windless morning. The air was perfectly still, so
whatever gas went into my tank displaced fuel vapor and

(38:18):
the static discharge made it explode because it was hanging
out kind of in this ball between me and the car.
I got thrown to the other side of the pump
into the next fuel station, and as I stood up,
I saw that there was flame coming out of my

(38:39):
gas tank. And what that was was vapor being even
more displaced out of my gas tank, and it was
on fire, and it had impinged on the fuel pump itself,
and now the plastic was melting and smoking and turning black.
So I hit that red mushroom stop button on one
of the posts, and it didn't work. The pump kept

(39:01):
putting fuel.

Speaker 2 (39:01):
In my car. I ran inside.

Speaker 4 (39:04):
There were two ladies working at the gas station, and
their involvement in this was limited to simply standing staring
out of the window with their mouths agape. So I
asked them to turn off the pump and call nine
to one one, which they did. Fire department got there
twenty minutes later. But that's a whole different story a
couple of Now I wasn't badly injured. I looked like

(39:27):
I got a sunburned. I no longer needed a haircut.
I was going to say, how was your hair?

Speaker 16 (39:32):
Well?

Speaker 4 (39:33):
I got a free trim out of it, and I
lost about two thirds of my eyebrows, but I was
lucky that I was wearing sunglasses so it didn't damage
my eyes.

Speaker 7 (39:43):
Now.

Speaker 4 (39:43):
A couple of days later, I got a call from
there from Texico's insurance company, and it was actually a
lady who was an adjuster who was working for their
insurance company, but not directly for Texaco or the insurance company.
She wanted to know how I'm doing if I got
medical tension, which I hadn't because I still was limited
to just a just kind of a sunburn situation. She

(40:06):
offered me twenty seven hundred dollars to settle, to settle
my any potential claim I have against Texaco, right on
the spot, John. I took them up on it because
I wasn't badly hurt. I didn't know you at the time,
and I was in the middle of leaving a long
term job and starting a business, so I just didn't
want to deal with any kind of a claim process,

(40:26):
and frankly, I didn't think I was going to have
much of a claim now that I know you. Now
that I know, now that I know what kind of
a claim I may have had, I wanted to get
your opinions, specifically, what should I have done other than
calling you? And how much money that I actually leave
on the table by accepting a twenty seven hundred dollars
check from Texaco Tobitri.

Speaker 13 (40:47):
First, I have a quick question. Did you say the
emergencies shut off did not function?

Speaker 5 (40:52):
Yeah?

Speaker 2 (40:53):
Isn't that a surprise?

Speaker 13 (40:54):
So when you hit the emergency shut off, the gas
kept flowing, didn't shut.

Speaker 2 (40:57):
Off, It didn't shut off.

Speaker 12 (40:59):
That's a clear liability.

Speaker 4 (41:01):
That button may not have been hooked up to anything,
just for just for show, just for show.

Speaker 2 (41:07):
So how much did I leave on the table?

Speaker 3 (41:09):
Well, I don't I don't know how much you left
on the table eighteen years ago, you know.

Speaker 2 (41:14):
But but here's what I can tell you.

Speaker 3 (41:15):
I mean, if you called my office and said this
is what happened to me, you know, first I would
be concerned about what level of damages you had and
whether it required any follow up treatment and stuff. And
and it doesn't sound like you had any real treatment
or no follow up no er, just you just just

(41:38):
kind of.

Speaker 2 (41:38):
Walked it off. I didn't want to deal with it, and.

Speaker 3 (41:40):
I felt tough got it out and stuff, you know. Yeah,
cowboy boots in the whole nine yards. You know, I understand,
just rub dirt. It's all good, you know. So here,
so a you don't have a lot of damages. Something
bad happened to you, but you came out, came through it, Okay.

Speaker 2 (41:58):
You know I used to I lucked out, John.

Speaker 3 (42:00):
I used to have people that, you know, when I
was a young pup attorney, I worked for a medical
malpractice firm, and I was the low man on the
totem pole, and I got all the intake calls.

Speaker 2 (42:09):
I was the guy that got to deal with every
call that came in.

Speaker 3 (42:13):
And and we would get these calls and they they
would you know, kind of two categories, real cases and
those that were not. And those that were not were
frequently that I could have died, you know, or a
grandma could have you know, she could have died because
of that. And it's like, but you didn't, and so
if you did, that would have been a great wrongful

(42:35):
death case.

Speaker 2 (42:35):
But you didn't.

Speaker 3 (42:36):
And so here we are, you know, and so potential
damages are what might have been.

Speaker 2 (42:43):
They we really.

Speaker 3 (42:45):
Don't get extra compensation for those, okay, But just for
the sake of talking.

Speaker 2 (42:51):
About the claim. I think that that if I did.

Speaker 3 (42:54):
Have a client with damages, we would look at, most
likely either a premises liability type of claim claiming that
it was a dangerous condition of the property and that
they probably had some knowledge of it, they at least
had a duty to maintain that equipment. There's probably with
gas pump, somebody comes out that certifies that those shut
off valves are operational and stuff on a somewhat periodic basis,

(43:17):
and something messed up in that process. Somebody was supposed
to keep it up to date and didn't, or you know,
maybe there was some negligence in just turning it off,
or who knows. I mean, you just you never know
until you get into it. But the gist of a
premisests liability case is that there was you know, we
we have a landowner and they're responsible for the dangerous

(43:38):
conditions that they knew of or should have known of. Okay,
this should have known of is the magical language from
a premisist standpoint, because as we Monday morning quarterback, this thing,
we can go, well, you should have had an operational
shut off valve, you should have had spark arrestors, you
should have had static, you know, a device to discharge

(44:01):
the static electrivity or electricity.

Speaker 2 (44:03):
There should have been a lot of.

Speaker 3 (44:04):
Stuff there that would have prevented this from ever happening,
and they didn't, and so because of that they would
be liable for your damages. So the fact that they
called you up and tried to get rid of this
thing early on is to their credit, because most places
would just deny it until the cows came home and
somebody like me.

Speaker 2 (44:24):
Shows up, they could not possibly deny this.

Speaker 4 (44:27):
John, there were I kind of eighteen police cars from
four jurisdictions. They shut down Collfax, they shut down the
off ramp from I seventy.

Speaker 5 (44:35):
Were you getting in and out of your car while
you were pumping?

Speaker 2 (44:38):
Yes, that's how we're wearing an antetic fleece.

Speaker 4 (44:41):
And based upon the research I did on this, the
gas pump industry has a term for somebody like me.

Speaker 2 (44:48):
Do you know what that term is? This is a
sweater girl.

Speaker 4 (44:52):
There are hundreds, if not thousands, of videos a female
gas station customers who are wearing one of those fuzzy sweaters.

Speaker 2 (45:00):
And boom, the thing goes up in flames.

Speaker 5 (45:03):
So they'll try and prove that you caused it.

Speaker 2 (45:06):
That I was negligent in getting in an out car.
Certainly that is.

Speaker 3 (45:10):
On the little placards that the saying don't do this,
don't get back in your car. It talks about filling
jar hands and discharging you know, sparks and all that stuff. So,
I mean, and that's exactly the kind of stuff that
comes into our cases because there's always you know, comparative negligence.
It looks back at the actions of the victim, the

(45:32):
sweater girl or whatever. You know, we're going to refer
to you as in this, but the victim. They're always
going to point to the victim and say that there
was something the victim did or shouldn't have done, or
whatever that would have either eliminated this from happening or
would have minimized the injuries.

Speaker 2 (45:50):
It's just the way the world turns.

Speaker 4 (45:51):
Yeah, So I think that's probably the kind of conversation
you would have had with me had I known you
all those years ago.

Speaker 2 (45:57):
And it sounds like.

Speaker 4 (45:58):
I was actually actually he was probably well served by
taking the twenty seven hundred plus another check for the
damages to my automobile.

Speaker 3 (46:05):
Right, Yeah, And I would have happily taken your call
and discussed it with you, and I would not have
called you sweater girl.

Speaker 2 (46:11):
At the time. But yeah, it's a great question.

Speaker 3 (46:14):
That's an interesting case and one that probably happens more
often than you think.

Speaker 2 (46:19):
So John, Yes, sir, I.

Speaker 13 (46:20):
Have a comment on Dimitri's case. So he sounds like
Dmitri and I would have done the same had the
same thing. He suffered more emotional distress injury rather than
a physical injury. So is your personal injury law firm,
do you guys handle cases over just emotional injury? Does

(46:41):
it have to be a bodily you know what I'm saying?

Speaker 2 (46:45):
We So it depends, is the lawyer answer? Here? Are
you going to go and get treatment for your emotional injuries?

Speaker 12 (46:57):
Let's say you're gonna go see a psychiatrist.

Speaker 3 (46:59):
First, Okay, then maybe you know, I would like for
that to accompany something more than just that, but maybe
it doesn't. Those are absolutely legitimate injuries, okay. And you
know it's like pain is an intangible component of every
case that we have, and grief and loss and stuff

(47:21):
you can imagine are also intangible but very real to
all of my clients and stuff. So yes, we certainly
handle those, but with something like you're talking about. It
has to have treatment that goes along with it. We
have to have bills and economic losses that help to
substantiate and legitimize those those damages and stuff. So when

(47:44):
you're going to go to a real quick break, Sean,
I'm reviewing your lease right now. I will be back
with you in a moment. Don't hang up, We'll be
right back in just a moment.

Speaker 9 (47:54):
Go with a sure thing Denver's best roofer Excel roofing
dot com.

Speaker 10 (47:58):
You don't pay a cent on until you're content.

Speaker 9 (48:04):
Time for an insurance check up free no obligation comparison
seven to one help. You'll think you're his only customer
com to list your home with Remax Alliance three all

Speaker 2 (48:26):
Good afternoon. We are trucking along here. We've got a
few calls lined up, but we do have a couple
of lines open if you'd like to get in.

Speaker 3 (48:34):
The number here is three oh three seven one three
eight two five five. And in the studio we have
Kevin Culkin, we have Deputies Bo and Dmitri. We just
handled a fascinating event that Dmitri went through hisself and uh, and.

Speaker 5 (48:49):
We've decided it was all his fault.

Speaker 3 (48:51):
And we decided that it was his fault for wearing
a girly sweater and and that was the end of
the case. It was closed at that point. You know, Sean,
you are calling in about a commercial lease. You have
provided us with a copy of the lease. Tell us
what's going on, thanks, Sean.

Speaker 16 (49:11):
Well, the building I'm currently leasing was bought by another
was sold and taken over in March at twenty six. Okay,
And long story short, they're charging They're charging me a
shared property property, shared property maintenance expenses.

Speaker 2 (49:37):
Okay, and that's something that.

Speaker 16 (49:39):
I've never I have my original lease still through the
previous owner. Am I Can they just add that to it?

Speaker 5 (49:49):
Well?

Speaker 2 (49:49):
How long have you been in this property?

Speaker 16 (49:54):
It'll be four years next month.

Speaker 9 (49:56):
Wow.

Speaker 4 (49:58):
Are they trying to get you to sign a different
lease to replace this current lease?

Speaker 16 (50:04):
No is there's a stat of that. They sent me
a statement showing that I own like over eight hundred
dollars a month for okay, property meets and shared expenses.

Speaker 3 (50:14):
So, Sean, I mean everything in commercial leasing is going
to come down to the language of the lease. And
so I have reviewed your lease. I had Dmitry review
the lease and taking a look at it. And as
you know, there is nothing in your lease that talks
about shared common area maintenance expenses. Okay, And so you

(50:39):
can literally go back and say, show me where in
my lease it obligates me to pay.

Speaker 2 (50:44):
This, and you will prevail.

Speaker 3 (50:48):
Most likely, but then you can probably count on the
lease not being renewed, you know, down the road. That
will be kind of a deal breaker going forward. But
but it doesn't it doesn't say that you have to
pay that. I mean, it's it's pretty clear in here.
If you if you look at the strict language of

(51:09):
the lease, and it's you know, it's a it's a it's.

Speaker 2 (51:12):
A real lease. They have to live by it.

Speaker 3 (51:16):
They take the property subject to the lease, and so
you know, presumably they had an opportunity to review the
lease before they bought it.

Speaker 2 (51:24):
They're going to be held to it just like you are. John.

Speaker 4 (51:27):
Did you get a chance to discuss this with them?
Have you brought it up in any of your conversations
with a new landlord.

Speaker 16 (51:34):
Yes, I just I just finally there's been a whole
issue with them not getting my RAN checks in three
different addresses, but I finally got a statement from them
in my email, and I've been corresponding with her. Just today,
I asked her about the charge and she explained the
common area of charges for me, and that's for the
property shared expenses. Those would include any weed control, lands

(51:55):
and snow water sewer. And I've stated the previous email
that we had never been charged this before.

Speaker 3 (52:03):
Well the least does say that, yeah, hold on, the
least does say that removal of snow and ice around
your space is your responsibility, which we do, Okay.

Speaker 16 (52:15):
Which we do. Oh yeah, and it has well maybe
it's still once since they took over in March.

Speaker 2 (52:24):
So jeuh.

Speaker 4 (52:25):
Just a just a quick recommendation on your further communications
with a new landlord. I would probably not say something like, hey,
we never had to pay this before. I think the
important way to put it is, hey, not only have
we not been charged for this in the past, but
the lease doesn't authorize you to charge for these common
area expenses. It could be that the new landlord doesn't

(52:47):
even know that this is not part of your lease,
and there may be just accustomed to charging tenants for
these common area expenses, and in this case they're there,
they may may they may not have even read the lease.
Does that make sense?

Speaker 16 (53:01):
Yeah, sure, because to me it's almost like if I
was renting a condo or something from our town home.
It's set up water and sewer charges. Yeah, I mean
we control.

Speaker 2 (53:13):
I mean the difference is that in we've just got
a parking lot. Yeah.

Speaker 3 (53:16):
In most commercial leases, the tenants, especially in a multi
tenant building, will share in their percentage of the common
area maintenance charges and stuff like that, and can even
share in, uh, you know, their proportional expense of things
like insurance and taxes and everything else. So you're you're
you don't have a terrible lease here in the sense

(53:37):
that you're not being asked to pay for all of that.
But you know, it looks like it looks like it
may be coming up for renewal at the end of
twenty six, is that right? Or or July of twenty seven,
is that correct?

Speaker 6 (53:50):
Yes?

Speaker 3 (53:51):
Yeah, So you may want to go into this kind
of with the attitude that they're going to be able
to renegotiate the terms come July of next year, and
how you handle this negotiation will greatly influence the likelihood
that you're allowed to renew that lease and you know,
or renew it on terms that you think are fair

(54:12):
and stuff. But you know, that's just a thought as
as you're dealing with this new owner. So sure, I
appreciate the call those Sean.

Speaker 13 (54:23):
Do you are you wanting to stay in the in
this building another four years?

Speaker 16 (54:30):
Well, I'm getting up to I'm like, I'm around your age,
so I don't know how much longer I'm going to go.
But no, I was, I was going to find a
new lease. But there's there's a lot of places around
this area that are for rent. But I'm you know.

Speaker 13 (54:47):
What I mean, right, curious if you like, right, because
you know when you re signed, the least you're going
to add this in there just eight hundred dollars a month.

Speaker 2 (54:57):
Yeah, yeah, that's the fact. Sean.

Speaker 3 (54:59):
Hey, we appreciate the uh the call today. Thanks for
letting us take a look at it. Good luck to you, sir.

Speaker 2 (55:05):
Okay, we were going to go to Jay, who is
on the line with the question, what's going on.

Speaker 15 (55:10):
Jay, yes man, Yes, sir, I got a question. Is
this a lawsuit on your topic? Remember the guy got
killed on the d I A, the Frontier Airlines plane.
He got sucked in the engine and the people on
board the plane are filing a lawsuit against Frontier. Give

(55:32):
that a lawsuit.

Speaker 2 (55:35):
In my opinion?

Speaker 3 (55:38):
No, I mean, I you know, in every listen, I
know some of those attorneys.

Speaker 2 (55:45):
I'm sure.

Speaker 3 (55:46):
I mean, they're they're they're competent people that I respect
in the community. I'm not gonna I'm not gonna diss
their their opinions. And I haven't looked at it and
in any greater detail than probably you have watching it
on the news. Okay, But with that being said, as
I sit here and think about it, there's got to
be some degree foreseeability on stuff like that. And and

(56:08):
you know, maybe if you start looking at DIA and
saying that the ability to get onto the runway is
a flaw in the perimeter security of DA, it becomes
a DIA issue and not really a Frontier Airline issue.
To me, now that I don't know any more about
it than that, But you know what, could Frontier have
done anything different to to avoid that accident. I don't

(56:32):
know that there is anything.

Speaker 12 (56:34):
I think did did a great thing.

Speaker 13 (56:35):
They took control to stopped the airplane and got all
the people off safe.

Speaker 12 (56:39):
A front churge did a great job. They should have no,
they should get praised for.

Speaker 3 (56:43):
If they steered off the runway trying to avoid the
guy and it rolled over and blew up and a
bunch of people.

Speaker 2 (56:49):
Died, that'd be different, that would be a very different situation.

Speaker 3 (56:53):
But but shutting it down under those circumstances, I think
is exactly what the protocols dictate for the pilots to do.
I think they did an admirable job. Any criticism I
think would fall on DEA. And then the problem that
you run into with DEA is that they're a governmental
entity and you've got governmental immunity to work through as well.

(57:15):
And the presumption of governmental immunity is that there is
no liability unless they tell you there is liability, and
that's way less complex than it really is. But the
presumption is that you can't sue the government unless it's
a specific, enumerated exception to that rule. So so I
don't know, We'll all have to sit back and wait

(57:36):
and see how those suits work out, but it's a
you know, I saw the same thing you did and
who knows. But hey, thanks for the call, J. We
appreciate it. We are going to go to a break
right now. We'll be right back to take your calls.

Speaker 9 (57:52):
dot com.

Speaker 10 (57:56):

Speaker 9 (58:01):
Time for an insurance checkup free no obligation comparison call
insurance companies find out now three all three seven seven
to one.

Speaker 2 (58:12):
Help.

Speaker 9 (58:12):
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 3 (58:27):
All right, good morning, still still morning, right, yep, still morning,
Good morning. This is John Fuller sitting in for Tom
Martine on the Troubleshooter Show. We're glad to have you
here on this beautiful Friday. It is car Day. We
have in the house mister Kevin Culkin of Shared In
Auto Tech, and Kevin is our resident expert on all

(58:48):
things cars.

Speaker 2 (58:49):
Today you're you're the entire car department today.

Speaker 5 (58:52):
We are the department today. Yeah, Christ the entire department.

Speaker 3 (58:55):
So so get on the phone and give us a call.
Every code three zero, three, seven, one, three, eight, two
five five is the phone number.

Speaker 2 (59:04):
And it doesn't just have to be about cars. We're
here to talk about landlord tenant situations, employment situation, getting
scam situations, anything and everything that you come up with.

Speaker 3 (59:15):
We are happy to help. So give us a call. Dimitri,
you had another question about your myriad travels and the
potential liability that's associated over the years.

Speaker 4 (59:30):
Oh, you mean as it relates to your line of
work and my insurance coverage exactly, you know, John, So
one of the things that's always been in the back
of my mind, and I've been meaning to ask you
about this. I have what I considers an enormous amount
of liability insurance both in my through my auto policies,
but it's further amplified by a couple million dollars with

(59:50):
my umbrella policy that I bought from Compass Insurance. So
what I'm wondering about is if I am John, God forbid,
if I'm in an accident where I'm at fault. Now well,
there are two halves to this. To my concern, if
I'm at fault and someone does get legitimately insured, I
want that person to get the biggest possible check from
my insurance company that the insurance company can afford to write. Okay,

(01:00:15):
But I'm also concerned about further liability, personal liability in
case the damages that are let's say it goes to trial,
and if it goes to trial, and if the damages
are awarded that in excess of my umbrella policy, I'm
personally on the hook for that.

Speaker 5 (01:00:30):
Right.

Speaker 2 (01:00:31):
So here's what my question boils down to.

Speaker 4 (01:00:34):
Because I have so much liability insurance, does that make
me kind of a really juicy target for attorneys in
your line of work, more so than I would be
if I had I, let's say a quarter of a
million dollars in liability. Does that kind of make sense?

(01:00:55):
I'm wondering if I'm more likely to be sued more
aggressively just because I have so much liability of my
insurance to recover.

Speaker 2 (01:01:04):
Okay.

Speaker 3 (01:01:04):
So one of the things that I explained to clients
all the time is your damages are your damages, Okay,
they don't become greater or lesser depending on the other
guy's insurance.

Speaker 2 (01:01:16):
They are what they are.

Speaker 3 (01:01:18):
What we do with those damages may depend greatly on
the level of insurance that you have. And so, in
almost every case, more so today than any other time,
we have to consider the totality of my client's damages
next to the assets and the person that caused that. Okay,

(01:01:40):
And so we may look at you and say, you know,
this is a successful, you know, well to do guy
that's got assets, but his single greatest liquid if you
will asset.

Speaker 2 (01:01:54):
Are these insurance policies. And so the value of the.

Speaker 3 (01:01:58):
Insurance policy may be far greater than the value of say,
your business, because your business is not one that I
could come take and run profitably or do anything with it.

Speaker 2 (01:02:11):
I'm not Russian, it's not you know, it's you're not
experiencing the garbage industry. It's in the garbage business. You
don't have the East Coast associates. I don't have the
set and the you know, the nice pen and the
thirty pound paper.

Speaker 3 (01:02:24):
I mean, I don't have anything that's that's going to
be key to success. So the reality is your assets,
though they may be valuable to you, don't always translate
into a juicier target than the insurance coverage that you have,
and so to to kind of further complicate and muddy
up the water. Every personal injury attorney and every plane,

(01:02:47):
if that's that's sitting here looking at insurance versus assets,
will will have to consider the likelihood of getting a
verdict that exceeds all of the available coverage. Okay, So
in your case, if you've got a couple million dollars
of umbrella plus some liability below, you're talking a pretty
extraordinary case to get to two and a half million

(01:03:08):
dollars or so.

Speaker 2 (01:03:10):
Is that considered a big case?

Speaker 5 (01:03:11):
Yeah?

Speaker 3 (01:03:12):
Oh sure, I mean you've got to consider the average
case in Colorado is probably I'm just gonna guess. I
don't even know what that is. I don't know that
it's reported anywhere, but my guess would be twenty five
to thirty thousand dollars.

Speaker 2 (01:03:27):
That's it.

Speaker 3 (01:03:28):
But think of how many little baby fender benders and
stuff there are without catastrophic damages and everything else. The
number of accidents where you've got the perfect storm, if
you will, and I hate to say that, but the
perfect storm between injuries and coverage that allows for an
outcome of that size, are just that not that common.

(01:03:50):
That's good to know, you know, so you know, if
God forbid you cause an accident, yes, it's you know,
you are a greater target because you have more coverage,
but there's still just one basket of damages. Okay, when
we get back from the break, I'm going to talk
a little bit more about kind of how that works
and the likelihood of getting both a you know, a

(01:04:13):
judgment that would cause personal liability over and above what
your insurance coverage is. So we'll delve into that as
soon as we get back.

Speaker 9 (01:04:21):
So go with a sure thing Denver's Best roofer Excel
Roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,

(01:04:41):
of insurance companies find out now three O three seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 3 (01:05:01):
All right, good afternoon, We are are not even afternoon,
yet it's still good morning. We have one more segment
to go in the morning session here, so it is
still good morning, Friday Card Day at the Troubleshooter Network.
John Fuller here, I'm a personal injury attorney. I've been
doing it for twenty five years, and I still get
stump sometimes with questions. But I love the do I

(01:05:22):
have a case kind of stuff. It's just an interesting thing.
So if you have a hypothetical that you're dealing with
or something you've always wondered about and you want to
call in with that, we'd be happy to take that call.
The number here is three h three seven one three
eight two five five. Getting back to Dimitri's hypothetical that
he threw out there, his own negligence led to an accident,

(01:05:46):
and we're kind of debating what to do, and I'm
the lawyer debating whether to you know, whether Dmitri's personal
assets are more attractive than his insurance proceeds and how
that really works. And so here's here's the deal. If
I had a case where my damages were greater than
your level of coverage, Okay, and this scenario is true,

(01:06:07):
whether I'm talking to somebody that only has twenty five thousand,
or the minimal limits in Colorado, or I'm talking to
you in this multimillion dollar environment that you have.

Speaker 2 (01:06:17):
It's the same analysis. Okay. I'm trying to.

Speaker 3 (01:06:21):
Figure out whether there's any likelihood, you know, if if
the defendant is appropriately insured. Okay, So if you have
ten billion dollars in assets and you've only got twenty
five thousand dollars of coverage, you're not appropriately insured. And
I'm going to want to go after you individually. And
the fact that you have insurance is just you know,

(01:06:42):
almost irrelevant. We're going to get that insurance, but I'm
not going to sign a release.

Speaker 2 (01:06:46):
I'm not going to.

Speaker 3 (01:06:47):
Give anybody get off the hook, you know, from liability.
We're going after your assets directly. And so for all
the listeners out there, and we've had listeners that have
have you know, never renewed their insurance in one hundred years,
and they call up and it's like, my house is
worth two million dollars and I've got twenty five thousand
in coverage and my agent never told me to change
it and stuff, and it's like you are a target.

(01:07:10):
You really are a target. You've got significant assets and
no coverage in insurance. Okay, but back to your scenario.
If I'm looking at it and I conclude that you're
appropriately insured, I have to really ask a question. If
I'm willing to take your limits and to give you
and the insurance company a complete release, we might do

(01:07:31):
a timed limits demand to the insurance company and say
to them, pay us all of your money now, and
we'll give you a complete release. We feel like our
damages are greater than the limits, but if you give
them to us right now, and you don't make us
go through the hassle of Sue and Dmitri and going
through all of that, we will accept your limits and

(01:07:52):
give you a complete release.

Speaker 4 (01:07:53):
And John, doesn't it follow then that if I become
aware of a letter like that, I should write my
own letter to my insurance company. He's saying, pay guy,
I don't.

Speaker 2 (01:08:02):
Want to go to trial. I'm insured.

Speaker 3 (01:08:04):
We do you a favor and send you one of
those letters as well, so you're gonna know that I
send it to your insurance company, and you're gonna know why,
and you're gonna you're gonna probably your next call will
be to your insurance company going you'll better pay these people.
And that's exactly what we want to happen. We want
we want the insurance company to go this is not
worth screwing around here, because you know, this guy paid

(01:08:27):
for a premium, He paid for coverage to be there
in the event that something happened, something did happen. He
needs our coverage now that he bought and paid for.
It's time for us to step up and pay. Unfortunately,
sometimes they don't, and they put their interest ahead of
yours and they decide we're not gonna pay Fuller's office
two million dollars. Here, We'll make him an offer of

(01:08:50):
a million and good luck.

Speaker 2 (01:08:52):
Okay.

Speaker 3 (01:08:54):
At that moment, your insurance company has decided that their
money is more important than the promise that they made
to you to cover you in the event that something happened.

Speaker 2 (01:09:05):
Okay.

Speaker 3 (01:09:06):
And so if we then said no, we're serious, we're
going to file the litigation, We go to trial, and
we get a verdict for five million dollars. Okay, your
insurance coverage is still there. They're going to pay the
two million dollars, but you personally are now on the
hook for the additional three million dollars of damages.

Speaker 4 (01:09:26):
Okay, that's what scares me, and that's why I should,
in this hypothetical demand that my insurance company settle the
case and get me this release.

Speaker 3 (01:09:34):
You're absolutely right, However, consider this before we go to
the break. I would argue, and the law says that
you have a case against your own insurance company for
putting their interest ahead of yours when they had an
opportunity to settle that within your policy limits that you
bought and paid for.

Speaker 2 (01:09:54):
Don't you feel kind of.

Speaker 5 (01:09:57):
Let down?

Speaker 2 (01:09:58):
Let down?

Speaker 3 (01:09:59):
The I have tabbed in the bag, screwed over, you know,
pick your poison here.

Speaker 2 (01:10:04):
Yes, your insurance company.

Speaker 3 (01:10:05):
And that is the quintessential bad faith that we always
hear about. They have committed bad faith against you. And
so in many cases, what happens in the real world
is if I make that policy limits demand and the
insurance company fails to pay that demand, and I later
receive a verdict for greater than your limits, the insurance

(01:10:26):
company is going to be on the hook for the
entire amount of the judgment.

Speaker 4 (01:10:29):
Could I then hire you to represent me against my
insurance company?

Speaker 2 (01:10:33):
Yeah, that's awesome.

Speaker 3 (01:10:34):
Yeah, And in fact, in many cases, the aggrieved defendant
will almost join up with and come up with an
arrangement where they escape some personal liability in exchange for
signing over their bad faith case. So, as a practical matter,
usually when an insurance company does not pay the limits
on a limit's request and a verdict is received that's

(01:10:55):
greater than those limits, the insurance company is on the
hook for the entire thing.

Speaker 2 (01:10:59):
Wow, what a twist. Yeah, nobody knows about this. I agree,
it is what it is.

Speaker 3 (01:11:06):
So the moral of the story is is, like you said, A,
have a lot of insurance. Okay, b don't get in
an accident. See if you do get an accident and
the damages that you caused are greater than your coverage.
If ever, there's an opportunity for your insurance company to
get you off the hook and to get you a
complete release that relieves any now later future liability for

(01:11:29):
the limits of your policy.

Speaker 2 (01:11:31):
Absolutely, get on the phone and make your insurance company
do that. You will be right back after the break.

Speaker 9 (01:11:41):
Go with a sure thing Denver's Best roofer Excel roofing
dot com.

Speaker 10 (01:11:45):

Speaker 9 (01:11:50):
Time for an insurance check up, free no obligation comparison
call Compass insurance, pay too much your coverage at dozens
of insurance companies. Find out now three oh three, seven
to seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three
all three nine two zero, sixteen twenty two, forty.

Speaker 2 (01:12:13):
Five years strong.

Speaker 1 (01:12:14):
Solving your problems, Answering questions, taking complaints. This is the
Troubleshooter Show. No Tom Martino, all.

Speaker 2 (01:12:27):
Right, all right, all right, all right, good afternoon.

Speaker 3 (01:12:29):
Finally on this beautiful Friday afternoon, this is the Troubleshooter Show.
I am John Fuller filling in for Tom Martino. We
are here to help solve your problems, take complaints, answer questions.

Speaker 2 (01:12:42):
In the house. We have Deputies Beau and Dmitri here
a wealth of knowledge they are both, And we have
Kevin Culkin from Sheridan Auto Tech. Today is officially.

Speaker 3 (01:12:53):
Known as car Day, which means if you have any
specific questions about your car or that weird sound that
you here right now and coming from some part of
the car and you're just not sure what it is.
He had a free consultation today, so call right in
three O three seven one three eight two five five,
and we are here for you in the event that
that is what you are going through.

Speaker 4 (01:13:14):
So, Kevin, let's talk about preventive maintenance for a second. Sure,
probably one of the most neglected things in people's lives
is changing the transmission fluid, the oil.

Speaker 5 (01:13:25):
Any of the fluids, because you get online and they
tell you that shops are ripping you off exactly if
you don't go ten or twelve thousand miles on an
oil chain.

Speaker 4 (01:13:32):
Oh and you know, my car manual for my Toyota
says that I have lifetime so called lifetime transmission fluid,
which is yeah, it's exaccurate to die with fluid in it.

Speaker 2 (01:13:44):
But here's where I was going with this.

Speaker 4 (01:13:46):
In your decades of experience and the count of thousands
of cars that you've worked on, what percentage do you
think what percentage of those repairs.

Speaker 2 (01:13:54):
Do you think you see too late?

Speaker 4 (01:13:56):
In other words, if somebody had changed the coolant and
it didn't turn acidic or corrosive and destroy somebody's head gasket,
how how many of the cases you work could have
been prevented if somebody had just you know, absolutely followed
the maintenance regiment that you recommend.

Speaker 5 (01:14:12):
Well, yeah, I mean that's a good question because the
cars are much much more complex now, the internals. So
you're you're you're taking I would say probably thirty to
forty percent off the life of most engines and transmissions
by not by not performing to the maintenance recommendation of maintenance.

Speaker 2 (01:14:31):
Wait, thirty to forty percent, yes, well.

Speaker 5 (01:14:33):
That most engines, transmissions, everything can run I think easily
one hundred and fifty plus properly maintained. The maintenance starts
cutting them down to the one hundred hundred and ten
hundred twenty thousand miles.

Speaker 2 (01:14:46):
Is your mic on?

Speaker 5 (01:14:47):
Yeah? Okay, sorry, yep, So no, to me, maintenance is everything.
It's the cheapest insurance you can get.

Speaker 2 (01:14:53):
Kevin.

Speaker 4 (01:14:54):
That implies, if my metho is correct, at about a
third of their repairs.

Speaker 5 (01:14:58):
They're brought to you major repair.

Speaker 2 (01:15:00):
Yeah, a third of the major repairs could have been avoided.

Speaker 5 (01:15:02):
Yes, Why it's prolonged not having to be done as
soon as they were done.

Speaker 4 (01:15:07):
Well, which is kind of like the avoiding the avoiding
the giant repair.

Speaker 2 (01:15:10):
Yeah, so I have a question for you, and this
kind of goes.

Speaker 3 (01:15:17):
From broad to specific I have a vehicle that has
one of the Ford ten speed yep whatever it's called
ten speed ten gears mission transmission.

Speaker 2 (01:15:29):
Yeah, And I was told, you know that they all
will go out at some point, and I'm cool with that.
I just wanted to go out while it's still in
warranty and stuff, because that's that can be a very
pricey little thing to go bad. My vehicle has I believe.

Speaker 3 (01:15:48):
Forty five thousand miles on it or something like that.
Fifteen or so thousand miles ago, right before the thirty
six thousand mile where I thought the warranty was going
to expire, it was having issue.

Speaker 2 (01:16:00):
I took it back to the dealership. They spent three weeks,
maybe almost a month, going back and forth with Ford
about whether or not that transmission was actually defective and
needed to be just swapped out. Which they just swap
them out. Now they don't they don't want to repair them.
They don't repair them, they don't do anything.

Speaker 3 (01:16:19):
They have a whole inventory of these transmissions and as
soon as Ford green lights it, boom, they throw a
new one in and you're you're down the road. And
I would very much like one of those before before
the warranty.

Speaker 2 (01:16:32):
Expires and and and goes. But they didn't do it.

Speaker 3 (01:16:35):
They they they ran tests after tests, they had Ford
on the line. They you know, they just never could
get the final approval. And so their eventual cure, if
you will, was to do a total reprogram on the transmission,
reduce it back to it's like day one, no data,

(01:16:56):
you know, and and that transmission apparently kind of learned
as you go.

Speaker 5 (01:17:00):
Most do anymore. Yeah, they they learn your habits.

Speaker 2 (01:17:03):
And so that's scary by itself.

Speaker 3 (01:17:05):
But my question is, like, you know that was a dealership,
that is a Ford flag dealership. I know that there
is this issue called right to repair and I don't
have to use the dealership for for some things, and
I might have to do them for another. Can you
talk about that, like, what is that something that you

(01:17:28):
could take on that battle for me? Or is that
something that the dealership's got to do because it's that
big dollar warranty deal directly from four.

Speaker 5 (01:17:36):
Under the Ford manufacturer's warranty has got to be through
a Ford dealership period. Okay, they won't even take a
phone call from us, really, no, no, So.

Speaker 4 (01:17:44):
It would have to be an official diagnosis that comes
only from the Ford dealer, Yes, but could you kind
of nudge John in the right direction. In other words,
can you look at it and say, look, the.

Speaker 5 (01:17:54):
Dealership is trying to do that. He's not fighting the dealer,
he's fighting Ford. And Ford's got so many warranty claims
that they're pushing back on all of them. So they're
just trying to kick it down the road. That's all
I'm doing.

Speaker 3 (01:18:07):
And admittedly so even the dealerships like, you'll be back yep,
we know it.

Speaker 2 (01:18:12):
It's just a matter of when, yep.

Speaker 5 (01:18:14):
And they're just hoping you'll be back after the warranties
expired and you're right to ten thousand dollars check instead of.

Speaker 2 (01:18:19):
Ford writing right, yes, yeah, I'm watching the clock.

Speaker 5 (01:18:24):
But yeah, we're running into that with all extended warranties.
They're making this fight really really hard for covers.

Speaker 3 (01:18:30):
Now, so what if it rolls over from the factory
warranty over into an extended warranty because you know, even
despite the fact that Tom thinks those are a rip off,
I knew about it going into it and was like, you.

Speaker 5 (01:18:42):
Know, well, but Ford's telling you there's nothing wrong with it.
So it's not like you're committing fraud by getting extended.

Speaker 2 (01:18:48):
No, that's not my question.

Speaker 3 (01:18:50):
If it does go over that line into extended you know,
after market type warranty zone, is that something that.

Speaker 2 (01:18:59):
Other than forward store shop like your own?

Speaker 5 (01:19:02):
You can, But what they're making us do now is
tear it down and and prove the failure. Oh so,
if there is a failed part that causes the failure,
it's covered. If it's a worn out part that's causing
the failure, it is not covered. So where out they
call for defect and damaged parts.

Speaker 2 (01:19:21):
So if if I'm hearing you correctly, that just there's
no way that would be worth your.

Speaker 5 (01:19:26):
While to do that, right, Yeah, you know, I mean
if you hear a little take in the motor, just
that harder on it till it's a bigger ticket. It's
kind of what they're telling that's what they're telling you
to do.

Speaker 2 (01:19:36):
Absolutely.

Speaker 5 (01:19:37):
Yeah, catastrophic failure is catastrophic failure.

Speaker 2 (01:19:40):
She said, take sport mode and give it a whole
new definition.

Speaker 5 (01:19:45):
Well, I'm just saying what it is.

Speaker 3 (01:19:47):
That's true though, because I mean we all know and
nationwide these transmissions don't have a very good track record.

Speaker 2 (01:19:53):
They're all getting replaced. What they're replacing them with I
think is improving.

Speaker 3 (01:19:59):
Yeah, so I'm good with it, but just let's do
it before the warranty.

Speaker 5 (01:20:03):
Run ten thousand dollars. Tech has to come out.

Speaker 4 (01:20:06):
John, if you have it sounds like you have an
after warranty, a third party product that you purchased on
this it's.

Speaker 3 (01:20:13):
Under the factory warranty now, but later on, I do
have an after.

Speaker 4 (01:20:17):
That one Kevin could work on, right, And Kevin, you
could then go to bed for a job here and
make a claim with that warranty company, provided that you
found the point of failure.

Speaker 5 (01:20:27):
As long as the point of failure is a failure
of a partner. That's what he's saying.

Speaker 3 (01:20:31):
On the break it down completely to be able to
fight that battle. And by the time you invest the
time and money to take the training out, break it down,
do all that and then begin the battle, you've got
a bay tied up.

Speaker 2 (01:20:42):
This whole time.

Speaker 5 (01:20:43):
Adjuster comes back and says no, right, You're like, what
do you mean, no, just no.

Speaker 2 (01:20:48):
It's the answer is no.

Speaker 5 (01:20:50):
No answer, no anything, Just to know, no, it's not
we don't consider it covered.

Speaker 4 (01:20:56):
What percentage of the cases does the consumer actually lose
when does what percentage of the consumer of the cases
does the consumer lose in a conversation like that, half
two thirds.

Speaker 5 (01:21:07):
It's it's becoming more and it depends on the customer.
Have you done your maintenance? Do you have the records?
Do you have the proof that we need to keep fighting?
Then that's less of a problem.

Speaker 2 (01:21:17):
And we just got done saying.

Speaker 4 (01:21:18):
You just got done saying that a third of you,
the repairs in your shop could have been prevented by maintenance.
So doesn't that apply that at least the third of
us don't do the maintenance that's required.

Speaker 5 (01:21:29):
To be That's why the insurance is pushing.

Speaker 2 (01:21:31):
Therefore, we're not going to be covered even with an after.

Speaker 5 (01:21:34):
It's not it's not a no fault claim, right right,
you have to prove it.

Speaker 3 (01:21:37):
We will address this more when we get back on
the other side. Let's go to a quick break.

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Speaker 16 (01:22:31):
Right.

Speaker 3 (01:22:32):
Good, theon John Fuller here back with the Troubleshooter Network,
and we are trucking through some interesting issues. So Kevin,
along those same lines of dealing with warranty, you know,
kind of issues that some have to go to the dealership,
some do not. The advanced driver assistance systems, all those

(01:22:53):
those A dads, Yeah, what are A dads for the listeners?

Speaker 2 (01:22:57):
What?

Speaker 5 (01:22:57):
Well, it's the cameras and sensors that well, you know,
they're crash avoidance, they're lane divergence. So if you if
you you feel your seat shake when you go over
the line, and different things like that. You know, you
were talking about totals in accidents and everything else. That
contributes a lot. Because even once the body's fixed, now
you've got to go fix that system. You start damaging

(01:23:20):
the cameras and they got to be realigned and everything
that goes with it. So it's it's it's a complicated system.

Speaker 2 (01:23:25):
Isn't that calibration like a huge thing.

Speaker 3 (01:23:28):
I mean, you've got you've got all these different manufacturers.
Is their consistency in their systems or.

Speaker 5 (01:23:33):
The Well, no, they're not all using the same thing.
That'd be too easy. But yeah, No, you have basically
screens that you put up, you know, with barcodes on
them and this the computer can read them and that's
how you calibrate it. Okay, So but it's it's it's
it's not easy and it's not cheap.

Speaker 3 (01:23:50):
Well, let's talk more about that in just a moment.
We got Dale on the line here, Dale, what is
going on with you today?

Speaker 2 (01:23:55):
Sir Hi John?

Speaker 17 (01:23:58):
Would you expand on uninsured motorists? Let me let me
start out by saying asking, is it illegal in Colorado
to drive without insurance coverage?

Speaker 2 (01:24:09):
Yes, sir.

Speaker 17 (01:24:12):
So uh if I get in a wreck I'm uninsured?

Speaker 16 (01:24:17):
Uh?

Speaker 17 (01:24:18):
Is there any penalty?

Speaker 2 (01:24:20):
Well? There there is. I mean, there's there's the the
citations that you can be issued for driving without proof
of insurance, you know, but that's a that's a ticket, that's.

Speaker 3 (01:24:32):
A fine that you pay in points on your driver's license.
But they're not going to put you in jail for
not having insurance. I mean, gosh, that'd be a we'd
have a whole lot more people covered in Colorado if
that if that were the case. But but I mean,
here's the reality is that that you know, there's no listen,

(01:24:53):
if if you get in a wreck and you hurt
somebody and you're you're liable for it, that person has
to decide what to do about their damages. And though
many people would like to go and get a judgment
and they you know, they're going to chase you down
for life, the reality is that just doesn't work. You know,
you've got a judgment, you've got to garnish it. You're

(01:25:13):
gonna you're gonna have to track the person down, find
where they work and where they bank, to follow those PaperWorks,
and then hopefully they can garnish your paycheck and you
get thirteen dollars a pay period for the next seven
or ten years and they you know, changed jobs four times.
I mean, the reality is that that's not a good plan.
And so the only way to protect yourself and your

(01:25:36):
family is to have adequate amounts of insurance on the
uninsured motorist.

Speaker 2 (01:25:41):
Part of your policy.

Speaker 3 (01:25:42):
You'll see that that some policies refer to uninsured and underinsured.

Speaker 2 (01:25:47):
They're synonymous. They mean the same thing. It's just that
portion of your policy that provides coverage for you and
your family that is over and above whatever the other
guy had. If any does that make sense, It.

Speaker 17 (01:26:04):
Does very much so for the individual. I'm talking about
the broader picture and where the state comes into.

Speaker 2 (01:26:11):
Okay, account here, tell me more about that.

Speaker 17 (01:26:15):
To me, illegal is illegal. If I get caught drunk driving,
I get a penalty. If I get caught twice, the
penalty goes up. If I got fought caught a third time,
I'm in serious trouble if I get caught if I'm
driving uninsured the first time, as you say, you can
chase the guy, but it's nothing going to happen. The
state doesn't do anything but issue a ticket. What about

(01:26:37):
the second time? What about the third time? I'm interested
in getting the uninsured motorist, which is illegal off the road.

Speaker 3 (01:26:46):
Hey, you're preaching to the choir there, Dale. We'd all
like that, but the reality is that they're not. And
so you know I said earlier, and to me, there's
not a lot of difference in being uninsured and having
the state minimal limits. They're both just a a tree
sum of money. Sixty six percent of the people in
Colorado have either no insurance or the minimal limits. So

(01:27:08):
I mean, you can tilted windmills all you want and
cry about the problem being these low insurance carrying people
or no insurance carrying people. I'm good if you want
to throw them in jail, but it doesn't help my
client that got injured when they got in the accident.
And I can't tell a client with a straight face

(01:27:28):
that we're going to go through the restitution process and
we're going to get a court order and man, we're
going to go after that guy and we're going to
get your money. Because here's something else to consider. Dale
if you throw them in jail, then they really can't
pay any damages because they're in jail. So you're just
kind of you're damned if you do and damned if
you don't in this situation. And so the answer to it,

(01:27:48):
the only answer that really works in this case is
you got to protect yourself. And the way you do
that is you buy uninsured motors coverage that's there for you.
If you have an umbrella policy, you buy the writer
to the umbrella policy that kicks up your uninsured motors
coverage to the same level as your umbrella. And so
in the case of Dimitri over here, that's you know,

(01:28:11):
a crazy driver out there getting in these accidents and stuff.
You know, if Dmitri happens to be the victim, he
knows that he has a two million dollar policy of
uninsured motorists that's on top of his underlying policy. So
he and everybody in his car is covered way above
two million dollars, which is gonna which is going to

(01:28:32):
provide enough money for all but the most catastrophic accidents.

Speaker 4 (01:28:36):
Yeah, and John, I'm glad you brought that up, because
until our offline conversation here a few minutes ago, I
was really under the impression that these judgments in these
cases are huge, because, like everybody, I've heard a lot
of radio ads from successful law firms who brag about
making up numbers two hundred million dollar judgments, sixty million

(01:28:57):
dollar judgments. But it sounds like those huge outliers, right.
I mean, statistically speaking, the real judgments and the real
and the real settlements are just a tiny fraction of that.
But in addition to that, a judgment doesn't always result
in a check.

Speaker 3 (01:29:15):
Both of those statements are true. You've got a very
small percentage of accidents are going to fall into the
multimillion dollar category. Very small percentage. There are far more
people that get injured, that have damages that would easily
fall into that category, that find that there's a paltry
sum of insurance and they max it out and they

(01:29:37):
get virtually nothing and find themselves facing a lifetime of
disabilities or medical treatments or challenges or problems going forward
for which there was no coverage. I mean, there's far
more of those people. I can think of ten off
the top of my head that separate injuries way in
advance of what the coverages were. But those are the

(01:30:01):
cards that we've been dealt. And so you can do
one of two things. I sympathize with the position of
the caller. I do throw them in jail. I'm good
with it, but it doesn't really help my clients, and
it doesn't help me. The only way I can help
me and my family is to carry enough insurance to
make up for what that guy doesn't have.

Speaker 4 (01:30:21):
And I think that actually addresses our caller's concern. I
think the genesis of his concern is that, Hey, if
I get in the crash and injured, I am going
to be screwed because the guy has either no insurance
or twenty five thousand right. And I used to think
in those terms too, but after I met you and
Burns from Compass Insurance, I don't because I was able

(01:30:41):
to insure myself, and I think I got that quote
from you. I think you said, look, this the most
important part of car insurance. You can buys the insurance
for yourself. And so now I really do feel much
better about that. I didn't think of it in those
terms before I met you. Guys, Yeah, Dale, what do
you think I mean? Is that kind of what you
were thinking before?

Speaker 17 (01:31:04):
No, I don't want to throw them in jail, and
I believe everybody out of had ensured motorist insurance. What
I wanted to do is for the legislature and for
the police to uphold the law. And if you get
caught driving without insurance, I wanted to take your driver's
license away.

Speaker 2 (01:31:21):
And largely they do, I mean they really do.

Speaker 18 (01:31:24):
You do.

Speaker 3 (01:31:25):
The penalty for no insurance is a twelve point violation,
and so that does generally result in a suspension or
it puts you right on the line. If that's the
only thing you have, you can get up to twelve
points and don't hold me to that day. It's been
a long time since I've handled cases that involve points,
you know, on driving records, But my recollection is that

(01:31:47):
the no insurance was a twelve point ticket, and you
could get up to twelve points before you face a suspension.
And so if you had no insurance and speeding and
careless and whatever fill in the blank that you would
get by causing an accident, that would be enough to
put you over the line, and you would almost certainly
be facing, you know, facing a suspension. And then, just

(01:32:08):
to let you know, the DMV has procedures in place
where once you've had a conviction for no insurance, they
make you do something called an SR twenty two, which
is an extra little kicker you have to buy from
your insurance company that that kind of prepays for a

(01:32:29):
monitoring or a ongoing reporting of your valid insurance to
the state. So they go fool me once, you know,
shame on you, fool me twice, shame on me, or
however it goes. They're basically saying, look, we're just not
going to trust you anymore, and they make you buy
this SR twenty two and that results as soon as

(01:32:49):
you miss a payment to your insurance company, they get
put on notice and they will suspend you immediately once
you've reinstated. So, I mean the tools are there, they
just don't they don't stop a guy with no license
and no insurance from walking out his door, getting in
his dang car and driving down the road drunk and
causing an accident.

Speaker 2 (01:33:08):
So it kind of leads a.

Speaker 3 (01:33:09):
Full circle right back where we are, which is, if
you want to protect yourself, you got to get your
check book out and buy that coverage.

Speaker 17 (01:33:17):
Well, I appreciate that explanation. I was not aware of
the extra penalties that you just informed me of besides
just getting a ticket.

Speaker 19 (01:33:28):
Yeah, it sounds like it.

Speaker 17 (01:33:29):
Goes beyond that if you really are out there driving
intentionally with no insurance.

Speaker 2 (01:33:36):
Yeah, thank you, it does. Dale.

Speaker 3 (01:33:38):
Thanks for the call. We appreciate it. I'm sure you
and many other callers are in the same boat. So
we're going to take a quick break right now. We'll
be right back with some of your questions right after this.

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Speaker 2 (01:34:28):
All right, good afternoon, John Fuller. Here we are rocking
and rolling.

Speaker 16 (01:34:31):
Here.

Speaker 3 (01:34:31):
We're talking about a lot of interesting stuff with insurance
and lawsuits and claims and damages and all that stuff.
And all that stuff is the kind of stuff that
I deal with every day, and I would so much
rather spend a whole afternoon explaining how things work and
educating the listeners and having people to have the right

(01:34:54):
insurance so that God forbid, if something does happen, you've
got the right coverage. You're not operating from these these
total misconceptions about what the role of insurance is, or
the role of the other driver. When when something bad happens,
I can't tell you the number of people that come
in and and we'll say something like I got a

(01:35:14):
I got an umbrella. You know, I got a million
dollars of coverage umbrella. And it's like, yeah, but that's
liability coverage, doesn't That doesn't help you unless you were
at fault for the accident.

Speaker 5 (01:35:26):
I think we're all guilty too of price shopping. That is,
you make a phone call and he can save me
fifty bucks a month and it's not exactly what I
had before, And I'm going that way.

Speaker 3 (01:35:37):
We were talking about that yesterday and in the sense
that you know, I've asked people that are agents and
stuff like why in the world would you ever sell
a policy that didn't have medpay and uninsured motorists on it?

Speaker 2 (01:35:50):
And the short answer not to rehash it.

Speaker 3 (01:35:52):
We've got a couple of callers on the line, but
the short answer was, John, I get price shopped on everything.

Speaker 2 (01:35:58):
I'm an agent, I'm I'm a dying breed.

Speaker 3 (01:36:01):
I'm a dinosaur here of an actual person that deals
with a client. But my clients aren't just dealing with me.
They're online getting quotes from Progressive and Geico and whoever else.
And it's to check the box syndrome. Do you want
to pay extra for this? An extra for that? And
they're like, no, no, no, no. If it's not mandatory,
I'm not going to buy it exactly. And so they
get a price quote that's just ridiculously low. But it's

(01:36:24):
only when they walk in my office and say I've
gotten an accident that they really find out what they
don't have for coverage, you know.

Speaker 2 (01:36:31):
And so that's just that just happens.

Speaker 3 (01:36:34):
Over and over and over again. And I don't know
what the answer is. I hope that we're able to
educate people.

Speaker 5 (01:36:41):
That's the key is understanding lease people what to do.

Speaker 2 (01:36:44):
Marvin, you're on the line with a question. How can
I help you?

Speaker 16 (01:36:48):
Yes, I had a question.

Speaker 19 (01:36:50):
I'm an over the road driver, so I'm on the
road all the time, yes, sir, And is there you
know I work for a company. I know I'm under
Workman's comp and everything stuff like that, But I is
there something that I can add to my insurance or
is there different insurance or anything like that that you know, say,

(01:37:14):
if I did get in a bad accident of some sort,
would only Workman's cover or is there something other that
I to help cover? Myself, is what I'm getting at.

Speaker 2 (01:37:25):
Great question. You you drive a company vehicle, is that right?

Speaker 19 (01:37:30):
Yeah, a big grig.

Speaker 3 (01:37:31):
Okay, but you don't own the tractor. The tractors owned
by the company.

Speaker 2 (01:37:35):
Is that right?

Speaker 18 (01:37:36):
Nope?

Speaker 2 (01:37:37):
Okay, no, correct, All right.

Speaker 19 (01:37:39):
So what I'm getting at is, you know, if an accident,
you know, drastically happened. I'm with you, I'm with some
of this is very expensive.

Speaker 3 (01:37:49):
I agree, I'm with you completely. I just wanted to
make sure that you weren't the owner of the tractor.
So here's the here's the deal. You're absolutely right. If
you get injured in the course and scope of your employment,
you are are you know, you're covered by workers Comp
and and workers Comp is going to be primary for
not only your medical care, but also for your lost wages.

(01:38:09):
They will pay you a percentage of the amount that
you earn on an average weekly basis while you're unable
to work, and then as you are able to come
back into the workforce, they'll either accommodate some some you know,
deficiencies that you have or shortcomings, or you know you're
able to get back on the on the road at
some point.

Speaker 2 (01:38:28):
I get it.

Speaker 3 (01:38:29):
The problem with work comp is that work comp never,
even if they settle your case at the end, they
never pay for things like pain and suffering, loss of
the you know, enjoymental life, quality of life, those kind
of issues that we we go after on the civil side.
They're only really paying you for your your medical care
that you had up until that point, and they're paying
you for your average weekly wage that that portion of

(01:38:53):
it which is lost by any lingering, you know, disability
or or diminishment of your ability to work in the
capacity that you did before. So it is not a
very fulfilling outcome through the work comp process.

Speaker 2 (01:39:09):
Two answers to your question.

Speaker 3 (01:39:11):
I have had cases where the employer, even though they
pay for work comp, also has uninsured motorists on their
company policy. And I have had cases where my client
has gone completely through the work comp program and then
we have achieved a settlement from the uninsured motorist coverage
that they had on the company auto insurance policy. And

(01:39:35):
so some companies will carry that. They don't have to
carry that, Marvin, because it's kind of redundant. They're already
paying for work comp and there's no real reason except
out of the kindness of their heart. That they would
pay for it for uninsured motorists, but some do, and
so that would be the first place that I would look.
Secondly is I would look to your own insurance policy

(01:39:57):
for the vehicles that you own and cover because many
of them and you'll have to talk to them to
make sure that you've got the right coverage and maybe
even shop around. But you need to make sure that
your uninsured motors coverage would cover you for a on
the job accident.

Speaker 2 (01:40:12):
Some will and some won't.

Speaker 3 (01:40:13):
It will come down to the policy definitions in the
policy for the carrier that you have. But if you
have that coverage and it's uninsured motors coverage, here's the
thing that you need to know, which is really cool
for every other type of So let me just back
up a little bit. If you're injured in this accident

(01:40:33):
and it's the fault of somebody else, you have the
right to bring an action that we call a third
party comp case, and that means you're going to treat
through workers' comp. You're an injured worker just like any
other worker. But I'm going after the other vehicle that
caused the accident and caused you to get hurt. Okay,
and we may very well recover from that person, but

(01:40:54):
when we do, I am going to have to deal
with on your behalf. A it's something called subrogation on
behalf of the Workers Comp carrier, because they're going to
want to get paid back. And so if we go
out and collect, say a million dollars, but you had
half a million of medical treatment, they're going to have
their handout and want to get paid back out of

(01:41:15):
that million dollars that I collected for you.

Speaker 2 (01:41:17):
Okay, Right, if.

Speaker 3 (01:41:19):
We had an uninsured motorist policy that was on your
own policy, guess what. Workers Comp is not allowed to
subrogate against that. And so once again, okay, the workers
company or the uninsured motorists policy may be the only
coverage that you have to really fall back on for

(01:41:39):
those intangible and really important losses that you suffer in this.
So I would check with your carrier, I would check
with your policy. I would make sure that you have
that coverage. And and really, for a guy like you that's.

Speaker 2 (01:41:52):
You know, man, you're out on the road every day,
that's the most important coverage that you could have.

Speaker 3 (01:41:57):
Max it out, protect you and your family and you'll
be in good shape.

Speaker 16 (01:42:01):
Okay, yep.

Speaker 19 (01:42:02):
Now the other thing is is I have my insurance
on our vehicles all ever, I got everything maxed out
plus a million dollar umbrella.

Speaker 2 (01:42:12):
Okay.

Speaker 19 (01:42:13):
On the on the uninsured side of it, are there
different limits on uninsured or is it just uninsured and
that's it? The limit is what they is, what they offer.

Speaker 2 (01:42:26):
No, there's absolutely different limits.

Speaker 3 (01:42:28):
And some insurance companies kind of try to trick you
by having you check the box of what coverage you want.
And one that starts with in rhymes with progressive is
very well known for sending out a letter that says,
you know, Marvin, you don't have to have this same
coverage here.

Speaker 2 (01:42:44):
You can opt to get lower coverage.

Speaker 3 (01:42:46):
Just check one of these boxes here and we'll be
happy to write that up for you. And the reality
is the only reason to have, you know, those higher
coverages is to open up the ability to buy extra
You know that's not the only reason, but you want
to buy as much you as you can, so you
would never want to get less than the amount that
they will let you buy. The other thing that you

(01:43:06):
just mentioned an umbrella. I'm sure you heard us in
the in the former segment, but but make sure that
as a writer to your umbrella policy. You've got an
extra um writer, which means that they'll they'll also pay
out that full million dollars in uninsured motorist coverage if
you if you, you know, are in that situation. So
if you do that, Marvin, you should be as well

(01:43:28):
protected as you can be in these crazy roads. And
I really appreciate your call. So uh, we're all thank you.
You bet, we're going to go to another break here.
Hang tight, we'll be right back.

Speaker 9 (01:43:45):
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Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much much your coverage at
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(01:44:06):
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two.

Speaker 2 (01:44:17):
All right, good afternoon, good afternoon, Good afternoon.

Speaker 3 (01:44:19):
This is John Fulner filling in for Tom Martinez and
the Troubleshooter network, and we are going to go right
to the phone to here. We have Mary on the
line with an issue about a dealership.

Speaker 2 (01:44:29):
What is going on with you? Mary?

Speaker 20 (01:44:33):
Yes, I had a problem with my Kia Soul after
a recall item. I didn't know that was what was
causing the problem at the time, but it wouldn't turn
on and off right, and it would stick.

Speaker 21 (01:44:46):
The key would stick in the ignition.

Speaker 20 (01:44:48):
At one time the fob broke in half and the
key was in the ignition and the fob part was
broken off, and I had to get it needlenose pires
and anyway, it's been months of this and I I
didn't put together until I brought it in early I
believe it was late February, maybe early in March. The

(01:45:08):
Saturday right around there, I brought it in to be
looked at to figure out the problem because I had
to get back to Minnesota to care for my mom
who was going on hospice and sorry, so I brought
it in and made an appointment, came in. I wanted
other things done too, but they were really crowded that

(01:45:30):
day and they didn't have enough mechanics, you know, they
said somebody called in or whatever. But Anyway, they did
look at the one thing that I wanted, which was
the ignition switch, because I was afraid to drive nine
hundred miles back to Minnesota.

Speaker 2 (01:45:45):
Right, So what happened with it still doing that?

Speaker 20 (01:45:49):
I heard the mechanic say, you know that kiaso. When
we fixed that problem for the recall and we had
to glue those two parts together. I think the glue
kind of came out and it's what's making it stick.
And I was standing right there when he was talking
to the service guy young man, and he went out

(01:46:11):
to my car with me and he brought it around
and he said, oh, I see what you mean.

Speaker 21 (01:46:16):
Yeah, this is not coming out right. And anyway, I.

Speaker 20 (01:46:20):
Asked the guy if they said it'd be three or
four days before they could get the parts in. I said,
I can't do that. I got to get back to
Minnesota and I don't fly. Just have my fears.

Speaker 21 (01:46:31):
Anyway, so I always drive back.

Speaker 20 (01:46:34):
And anyway, I drove back, I parked the car. I
wasn't going anywhere.

Speaker 21 (01:46:41):
It's a small town. I didn't need it.

Speaker 20 (01:46:43):
And then my mom died April twenty second, and I
went ahead and made an appointment. I think right after
the funeral talked to someone because they.

Speaker 21 (01:46:56):
Told me they weren't going to pay for it. In Pueblo.

Speaker 20 (01:47:00):
Me a quote for the two parts that had to
be replaced, the one that they glued to and the
one that was replaced.

Speaker 3 (01:47:06):
Okay, Mary, don't I don't mean, I don't mean to
interrupt you here. We're going to go to a really
hard break here in just a second. But what I
want to note from you as I look it up
in the break is are we talking about a recall
about the key fob? Basically was at the beginning of
this not.

Speaker 2 (01:47:20):
The key fob.

Speaker 20 (01:47:21):
It was the internal parts that they replaced so that
the souls wouldn't get stolen.

Speaker 2 (01:47:27):
Got all right, We will be right back Mary, hang
on the line. We'll be right back to you.

Speaker 9 (01:47:31):
Thanks, go with a sure thing Denver's best roofer Excel
roofing dot com.

Speaker 10 (01:47:45):
You don't pay a cent unto your contents.

Speaker 9 (01:47:49):
On top of it, time for an insurance check up
free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now
three all three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the
real estate Man dot Com to list your home with
Remax Alliance three all three nine two zero sixteen twenty.

Speaker 1 (01:48:10):
Two, forty five years strong, solving your problems, answering questions,
taking complaints.

Speaker 2 (01:48:18):
This is the Troubleshooter Show.

Speaker 1 (01:48:21):
No Tom Martino, I mean good afternoon.

Speaker 3 (01:48:25):
This is John Fuller filming in for Tom Martino on
the last hour of the Troubleshooter Show. We have Mary
on the line, who to recap her story, has a
Kia Soul that she ran into some issues when she
accidentally broke off the keyfob and was having it worked on,
and unbeknownst to Mary, there was a prior recall that

(01:48:46):
had been repaired but apparently had failed, and she was
recounting the discussion she was having with the with the
service providers and stuff. Mary, we have an expert in
house here, Kevin Culkin, was shared in Auto Tech. Kevin
tell us about these anti theft devices and they give
us some contexts.

Speaker 5 (01:49:03):
They had a lot of issues with the keys and
Hundai's they were way too easy to steal, so there
were software updates and the ones that couldn't do the
software updates. They did a key protector, They did all
kinds of things to try to keep them from stealing them,
and those key protectors do fail. Okay, you know there's
two components that's just covering things up. Basically got you.
But some are glued. Some you can rivets. There's so

(01:49:27):
many different applications. I don't even know what your car
we're talking about. But depending on how long ago it
was done. Twenty eleven, so it's the older. Yeah, and
you know, if it was done more than a couple
of years ago, they're not going to warranty it. They're warranty.
They worked for twelve months, twelve.

Speaker 2 (01:49:42):
So tell us the rest of your story. And Mary,
what happened with you?

Speaker 6 (01:49:45):
It was a.

Speaker 20 (01:49:46):
Recall, it was a recall item.

Speaker 21 (01:49:48):
Well, I took it.

Speaker 20 (01:49:50):
Then I called the corporate office. They gave me a
corporate case number for complaints and I I told them
I was nine highundred miles away. I can't take it
back to Pueblo. They set me up with an appointment
in Sioux Falls.

Speaker 21 (01:50:04):
That's the nearest key of dealership, a couple hours away, okay,
and I brought it. I brought it there and the
key didn't just fall off.

Speaker 20 (01:50:12):
I had another key that was several months ago because
it's been sticking, and it broke off in there because
it's been sticking anyway, the service department there said, yeah,
that thing was jv wel did wrong. It's not really glue,
but it's kind of they call it glue, but it's not.
And he said that was the problem. We're going to
replace that. We're going to get you a new key fob,

(01:50:34):
and yeah, corporate should pay for the assessment. They asked
because the first people who looked at it and knew
what the problem was. So he said yeah, he said,
we had a couple issues like that and we paid
for it because we made the fix.

Speaker 21 (01:50:48):
We did it wrong.

Speaker 20 (01:50:49):
We didn't let the guy who did it before do
it again because it wasn't the right fix.

Speaker 3 (01:50:54):
So can I assume that we're heading in the direction
of they didn't pay for it or what happened?

Speaker 21 (01:51:00):
No, I got a call.

Speaker 20 (01:51:01):
I talked to one person on Keandra who said she
was calling and we'll have to see and you know,
we'll call you back, and she made an appointment at
Billion Keyns who followed for the twenty sixth of May.
So I had had to have my brother bring it
in and buy another car to get home anyway. Then

(01:51:24):
then Laurie called on June first and said that she
spoke with Jason at the dealership in Pueblo of the
manager apparently, and he denied it and escalated to the
district manager and Tiffany Mary decalated.

Speaker 2 (01:51:38):
Y can I then? I thought?

Speaker 5 (01:51:40):
So little?

Speaker 2 (01:51:40):
I'm sorry? Can I interrupt you?

Speaker 3 (01:51:42):
These names are are not really relevant to kind of
where we're going.

Speaker 2 (01:51:45):
Can you tell us how we can help you today?

Speaker 20 (01:51:50):
I've just been given the run around by three or
four people, like they won't even respond to me, like
where is this at? This isn't this is fourteen hundred
dollars costs like that I shouldn't owe for a messed
up recall fix. Okay, no, I feel like one hundred
other people.

Speaker 3 (01:52:09):
Well maybe, so let me just make sure I understand
you lost me with all those names along the way there.
But the gist of it is that they fixed your
car and they wanted to charge you fourteen hundred dollars
for it.

Speaker 20 (01:52:21):
And I'll gladly pay two falls for doing that because
they didn't do the problem. And it's got a corporate
case number, but I can't get anyone to talk to me.
I did get a message from one lady which on
the third then escalation case manager. Okay left the message
Shane apologize, happy to help you called her back and

(01:52:44):
she said, tell me what we can do.

Speaker 2 (01:52:47):
So when the case notes when was that phone call.

Speaker 21 (01:52:52):
The June third?

Speaker 3 (01:52:53):
Okay, So this is kind of happening real time here,
so you know, I real time.

Speaker 20 (01:52:58):
I'm not gonna no she when I said, this is
really a no brainer. It was a recoffix that you
guys messed up that caused the problem, So you need
to fix it and pay for the labor and the
costs of the materials. That's how I see it, That's
how normal people would see it.

Speaker 21 (01:53:11):
Righteous just people.

Speaker 20 (01:53:14):
So anyway, I said, it's a no brainer, and she said, ma'am,
I'm going to give you a minute, and she gave
me the silent treatment, and I said, I said, ma'am,
I just want to know what Kia can.

Speaker 2 (01:53:25):
Do for me and what and what did Kia finally let.

Speaker 21 (01:53:29):
Me on the phone silent treatment?

Speaker 20 (01:53:31):
And I told her I have post traumatic.

Speaker 4 (01:53:33):
Stress disborderr Harry on a second, did Kia finally agree
to pay for all or part of this fourteen hundred
dollars repair.

Speaker 21 (01:53:44):
None of it. They haven't called me back.

Speaker 2 (01:53:45):
Okay, all right, so Mary, here's what we're going to do. Mary.

Speaker 3 (01:53:50):
We're going to assign one of our deputies. It's Deputy Bo.
Deputy Bow is fantastic. He's gonna he's going to talk
to you off the air here for just a second
and get some of the finer details from me that
we don't need on the air, and he's going to
try to help you, okay, And we're going to see
what we can do to get Kia to respond to

(01:54:11):
you and try to get this resolved, and then we
will report back. We'll get a report from Deputy Bow
about what's going on. So what I'd like you to
do is to hang tight and we'll get that information
from you here in just a second.

Speaker 2 (01:54:25):
You had a question, Jadre.

Speaker 4 (01:54:26):
You know, we have a really great Kia dealership that
we work with. It's called McDonald Kia, and they've been
wonderful and resolving problems. So I'm gonna give Bo the
guy's name. Our contact is the operations manager for all
of McDonald's dealerships.

Speaker 2 (01:54:43):
That's fantastic.

Speaker 3 (01:54:46):
We're gonna put the right resources on this to give
this the very best possible chance of getting resolved. Okay,
so I really appreciate your call and we'll do everything
we can to help you out. All right, Mary, thanks
so much. We are going to move forward here. We
still have a little bit of time to go. The
phone number directly into the studio is three oh three

(01:55:07):
seven one three eight two five five. As you heard,
we have Kevin Culkin with this with Shardon. Auto Tech
is a wealth of knowledge today's car day. So if
you have a car related issue, now's the time to
call in and just like Mary, we can do everything
that we can to help you out. We can dedicate
the resources to it and get to the bottom of it.
And so that's what we're here for, Kevin. Is that

(01:55:32):
the kind of stuff you deal with regularly, where we
have these these issues that that just don't get resolved
with the dealership and they come to you or do
you get.

Speaker 2 (01:55:40):
You knowed up in this stuff.

Speaker 5 (01:55:42):
Or sometimes most of the dealerships are pretty straight up. Yeah,
you know, there's no reason to try to play games
or anything. I think there's a few more levels here
than we probably heard.

Speaker 2 (01:55:53):
Mary and Joe and Bill and you know it.

Speaker 5 (01:55:57):
And then she's out of state from the original repair
place and then that complicates it. But right, you know,
and Key and Hunday generally stand up. I mean they've
they've warranted a ton of engines and yeah, it's they've
been pretty good outfits. I'm kind of surprised that they're playing,
but I think it may be a little something going on.

Speaker 2 (01:56:15):
Yeah, I suspect you're right.

Speaker 3 (01:56:16):
It's it's sometimes hard when you're bouncing back and forth
between a lot of people and you end up losing
more in the delivery of the story than you do
the true actual issue.

Speaker 5 (01:56:27):
Sometimes you want something fixed today, now they're not equipped
for today, and now they're equipped for two weeks from now.

Speaker 3 (01:56:34):
So yeah, Dimitri, you said you had an update for
us and the young lady that called in concerning the
medical device that you payed fifteen thousand dollars for.

Speaker 4 (01:56:46):
Yeah, you know, we got that call a few days
ago from a lady Gosh, I just her name just
kind of dropped out of my brain. Sarah, you're right,
And she said that she bought this some sort of
a red light therapy device from Vibrant Health System them Spain, exactly,
and she told us that they had now bounced two
checks and they're about thirteen thousand dollars checks.

Speaker 3 (01:57:06):
Now, well, she had tried to return the item to them,
and they accepted the item back and refunded her money
lesser restocking fee.

Speaker 2 (01:57:15):
But that check.

Speaker 4 (01:57:16):
Bounced right well, according to her, that check bounce. So
then she said that they sent her a replacement check,
and she said that bounce too, So you may recall John.
So a couple of days ago we told her to.
We suggested that she go to her bank and dispute
the charge on her debit card. Well, it turns out
Deputy Chopper was listening to the show that day and

(01:57:38):
he actually called me after the show and he said, look,
her story isn't exactly correct. He said that she received
these checks. They were written on Chase Bank, which has
branches here in Denver, and she went to Instead of
depositing these checks in her account like you and I
normally would, she went to the brand and to try

(01:58:00):
to turn these checks into cashiers checks.

Speaker 2 (01:58:03):
And that didn't work out. They said, no, can do.

Speaker 3 (01:58:06):
We're not going to take a check and turn it
into a cashiers check without knowing if it's going to
clear or anything else.

Speaker 4 (01:58:11):
Well, they probably knew that it was going to clear
because it's their account, right, just a nott of State
Chase Bank account, but they probably had some security concerns like, hey,
is this just a forged check that this.

Speaker 2 (01:58:21):
Lady's trying to you know?

Speaker 4 (01:58:23):
So Deputy Chopper told me that they made multiple attempts
to get her and the writer of the check on
a conference call to verify the validity of these checks
that never worked out. And so what Deputy Chopper had,
you know, planned to do after this most recent call
from Sarah is to tell her to just take the

(01:58:44):
latest check and deposit it in her bank account because
it hasn't bounced yet. The only thing is she just
can't turn into a cashier's check, So deposit in the
bank account.

Speaker 2 (01:58:55):
See if it bounces. If it bounces, then we'll help
out again. Okay, Well is information that we didn't know
the first time around. So thank you for that update.

Speaker 3 (01:59:04):
We're going to go to a quick break here and
we'll be right back with your calls.

Speaker 9 (01:59:13):
Go with a sure thing Denver's best rufer excel roofing
dot com.

Speaker 10 (01:59:17):

Speaker 9 (01:59:23):
insurance companies find out now three all three seven to
seven to one.

Speaker 2 (01:59:33):
Help.

Speaker 9 (01:59:33):
home with Remax Alliance three all three nine two zero
sixteen twenty two.

Speaker 2 (01:59:44):
All right, good afternoon, This is John Fuller. We have
come to that magical moment where Dimitri in the studio
is talking about the Sword of Suffocles Suffocles.

Speaker 3 (01:59:54):
Oh my goodness, this is going off the rails here.
My name is John Fuller and I'm Philly in for
Tom Martino, and we are here in the Troubleshooter Network
here to help solve your problems and answer your questions
and take complaints and otherwise deal with the issues that
you're having struggles with.

Speaker 2 (02:00:11):
In the studio with me is Kevin Caulkin.

Speaker 3 (02:00:13):
He is with Shared and Auto Tech and this is
officially Car Day, which is the day we try to
have experts on hand to deal with your car related issues.
And we have a caller on the line Teresa with
a question for Kevin. So we'll go right to Teresa,
and we can go right to you if you get
on the phone at three three seven one, three eight
two five five.

Speaker 2 (02:00:33):
What's going on, Teresa?

Speaker 6 (02:00:35):
Hi?

Speaker 22 (02:00:35):
Can you hear me?

Speaker 2 (02:00:36):
Yes? Ma'am?

Speaker 22 (02:00:37):
Okay, thank you. Two questions. Actually, I want to get
a new car one of these days, and I know
the prices and all this, and with a good batter
in different I want a minivan because I have giant dogs.
So I was looking at the key at Carnival. And
my question is should I wait until I know? Keep
waiting until prices come down. And the other question that

(02:00:59):
goes with this, please is that I saw this guy
on YouTube. He talks about subscriptions. It started with BMW,
like you have to subscribe to use the heated seats,
and it goes on and on and on. Is that
true as well?

Speaker 2 (02:01:13):
That sounds like Steve Lado's channel.

Speaker 5 (02:01:15):
Yes, that's what it sounds like.

Speaker 4 (02:01:16):
Are you it was this guy? You're referring to Steve Lado,
who's the Lemon Law turn out?

Speaker 3 (02:01:20):
No, no, no, you know what, Theresa, It is so
funny that you bring this up because sitting in front
of me at this very moment is an article that
I've pulled about car subscriptions, and that's a that's a
new thing. That it's not that new, but it's new
or among regular cars. It's always been out there for

(02:01:41):
kind of your super high end cars and even on
teslas and stuff that self driving features are not they're
not standard. They don't come with the full you know,
ability to self drive straight from the factory, but you
can add those on and pay for them. And what
you're talking about with car seats and even some things
like laying assist and you know, other features and stuff

(02:02:04):
are subscriptions. So the important thing to know is that
you could have a car that, even after owning it
completely free and clear, you don't have full functionality of
all the features that are built into.

Speaker 5 (02:02:17):
That car without continuing to pay for.

Speaker 3 (02:02:19):
It, without continuing to pay, and that that payment can
be could easily be a thousand bucks a year, It
could be you know, it could be a lot over
the life of the car that you just have to
keep on paying. You never actually owned the full car
and the full functionality at any point in time.

Speaker 2 (02:02:38):
Even though you actually already paid for it.

Speaker 4 (02:02:40):
Yeah, because the hardware and the software that's built into
your car is also built into the purchase price, so
you paid for it, yet you're not allowed to use that.
It's a fundamentally unfair and maybe even an illegal thing
to do.

Speaker 2 (02:02:54):
I don't think it's illegal.

Speaker 3 (02:02:55):
I think there's a ton of companies out there that
are doing that, and they're justification for it is, Look,
we can actually save money by building every car the same,
and that way we're not having to, you know, have
different cars at different stages of productions, with different equipment.
We can just build them all the same. If you
want to use that function, it's there and we'll charge

(02:03:18):
you for it. They could probably argue that we could
have charged you as an inclusion upfront and stuff, but
they the subscription model is just the way to go
in today's world. Think of everything that we subscribe to.
You subscribe to probably ten different apps on your phone.
At least you've got, you know, software on your computer
at home that you subscribe to that you can't not

(02:03:40):
use because you have to have it, you know, and
and stuff with your banks and insur I mean, everything
has a has a subscription charge to it. And so
this is just the way of the future. I don't
know that. I mean, I don't think I've seen that on.

Speaker 2 (02:03:58):
Ford products yet, but maybe it's coming.

Speaker 5 (02:04:01):
It's it's coming.

Speaker 2 (02:04:03):
They do have it on forward. It's infuriating, is the is.

Speaker 22 (02:04:06):
The thing on YouTube? But so what about and I
guess you he said you're not going to buy a
car after this year because and he went on and
on about those things.

Speaker 7 (02:04:16):
So what about that?

Speaker 22 (02:04:17):
Do you have a thought about the Carnival or anything
like that, because I know.

Speaker 7 (02:04:21):
You guys are short on new are used?

Speaker 2 (02:04:23):
Are you looking at new or used?

Speaker 22 (02:04:26):
I'm looking at new? But that's my question too, is
it because I don't know anything about cars? I'm afraid
of the used and blah blah blah and the depreciation
on the news. So I'm not sure which you're out
to take.

Speaker 5 (02:04:37):
Well, you know, between the Key and the Hunda, they
have an incredible warranty, so I mean that's a plus.
The Carnival I don't know a lot about because it's
a new model, so there's not a lot of history.
We certainly don't see them because they're under warranty still. Uh,
but based on the warranty of Key and Hundai, I
mean that's that's a big selling point.

Speaker 7 (02:04:55):
It's good.

Speaker 22 (02:04:56):
How about that versus the Toyota Siena anything. As far
as many fans go, is there one Toyota's head and
above a Kia.

Speaker 5 (02:05:05):
Yeah, don't get the warranty. You don't get the warranty
from tot you do from the Kiya. But you don't
need the warranty with the t warranty you do with
the Kia.

Speaker 4 (02:05:14):
But with these subscriptions, John, I heard that you're going
to have to swipe a valid credit card than the
dashboard before the airbags deploying the event of a crash.

Speaker 2 (02:05:23):
Heard about that.

Speaker 5 (02:05:24):
Don't tell people you have to have quarters, quarters, get
the laundromats quarters.

Speaker 3 (02:05:31):
The maitre will throw a slug in there on the string.

Speaker 22 (02:05:36):
Well, thank you, I'll keep listening and I thank.

Speaker 7 (02:05:38):
You very much.

Speaker 2 (02:05:38):
Hey, Teresa, good luck to you. Thanks for the call today.
We appreciate it. You know, that's the.

Speaker 3 (02:05:45):
That's just the way the world is going with these
subscription based models. And I don't think we can never
get around to it, but it does kind of bring
up the question of, you know, are we going to
get to a point where, you know, a more East
based kind of environment exists where we never truly own
the cars.

Speaker 5 (02:06:06):
We just you know, way the prices are going. Yes, yeah, yeah,
you can't afford to finance, so you can find it
for eight nine years, right, it's crazy.

Speaker 2 (02:06:14):
Yeah, that is crazy. I've I can't even imagine.

Speaker 3 (02:06:16):
I mean, I remember the first car I ever financed,
and I think it was like it may have been
four years, and even that seemed like a long time.

Speaker 5 (02:06:25):
Now they're regular finance in eighty four months.

Speaker 2 (02:06:28):
Oh that's un used cars too, by the way, is
it really?

Speaker 4 (02:06:31):
Yeah, you've seen eighty four I've seen purchase contracts, contracts
that our listeners send in and it's eighty four months for.

Speaker 5 (02:06:37):
Trying to keep the payment under a thousand a month.

Speaker 3 (02:06:39):
And they're like one hundred and ten thousand dollars diesel
one ton pickup trucks or something that are you know,
they're dropping seventeen eighteen hundred dollars a month on.

Speaker 4 (02:06:49):
And roll out over negative equity from the previous three
pickup truck.

Speaker 9 (02:06:53):
dot com.

Speaker 10 (02:06:57):

Speaker 9 (02:07:02):
insurance companies. Find out now three all three seven to
seven to one. Help You'll think you're his only customer
com to list your home with Remax Alliance three all

Speaker 3 (02:07:27):
All right, good afternoon, we are franking along here. This
is John Fuller sitting in for Tom Martino on the
Troubleshooter Network and with me today is Kevin Culkin, was
shared an autotech and we have two car questions on
the line.

Speaker 2 (02:07:38):
We're going to go right to the phones. David Europe First,
what is going on? David?

Speaker 5 (02:07:45):
Oh?

Speaker 23 (02:07:45):
Yes, I have a P five diagnostic trouble code, okay,
and I erase it with mybi OBD two meter and
it puts it into a permanent state. But it gets
rid of my engine light. So I drive it about
one hundred and fifty to two hundred miles and it

(02:08:06):
comes back on. So my question is does the engine
light come back on due to the failure reoccurring or
because it took one hundred and fifty to two hundred
miles for the computer to realize that that failure is
in the permanent state, and it brings it back up
because it says, oh, I got a permanent failure here.

Speaker 5 (02:08:30):
Well, you may not be clearing it properly. I mean,
I'm not sure you know what kind of scanner, but yeah,
I mean it just needs to be diagnosed the sensor.
It's how you're having driveability problems along with it, or
just a code.

Speaker 23 (02:08:47):
Oh yeah, it'll go into limp mode.

Speaker 5 (02:08:49):
Yep. Yeah.

Speaker 23 (02:08:50):
When it first pops up, and you know, I can
turn the car off and wait a minute and it'll
come back out. But I just erase it just to
buy me some time. I'm sure, befo, I have some
time to look into it.

Speaker 5 (02:09:02):
Yep.

Speaker 23 (02:09:03):
And when I drive it back and forth to the
store or something, I wind up with one hundred and
fifty miles and it comes back on again.

Speaker 5 (02:09:09):
Yep. Yeah, because what the code's really saying is that
there's a correlation mismatch between the throttle sensor and the
pedal sensor, so they're not communicating properly. So you're just
kicking it down the road by clearing it, and it's
just coming back on you. So there is realized. Yeah,
there's something going on that needs to be fixed to
get that to go away for good.

Speaker 23 (02:09:31):
Yeah, you could have wiring, you.

Speaker 5 (02:09:33):
Could have a sensor. It's a couple of things.

Speaker 23 (02:09:36):
But what I was wondering, is it the failure coming
back or is it the mount of startups and miles
the code.

Speaker 5 (02:09:44):
Itself can't You can't be cleared by disconnecting the battery
or scintill It can only be clear by fixing the problem.
That's what it's telling you. Oh okay, so you're avoiding
fixing the problem, so it keeps reoccurring.

Speaker 23 (02:09:59):
Okay, thank you very much.

Speaker 2 (02:10:02):
All Right, David, thanks for the call. We appreciate it.
We're going to go next to Greg, who is on
the line also with the car question. So Greg, what's
happening with you?

Speaker 7 (02:10:11):
Hi?

Speaker 24 (02:10:11):
I've got a twenty thirteen GMC Terrain Denali that has
a blown engine. The compression, I guess is shot in
numerous cylinders, and I'm wondering what the guys think whether
it's worth buying a I think we call it a
rebuilt engine or just getting on to another car.

Speaker 5 (02:10:35):
Okay, well, how much do you love the car?

Speaker 24 (02:10:40):
I'm not. You know, I'm not a car person. The
rest of the car is in pretty good shapes. But
I mean from what they quoted me at this place,
I think it was twelve thousand dollars for a rebuild engine.
And you know, then it becomes what I'd be smarter
to spend thirty thousand and get a car with a

(02:11:03):
lot lower miles. My car's got about one hundred and
thirty thousand miles on it.

Speaker 5 (02:11:08):
Sure, it's a it's a personal choice. I mean, there
is no math, There is no anything. You're gonna be
overvalued in it with a motor at twelve grand? Sure,
but what can you buy for twelve thousand to replace it?
That's the way I look at it. Yeah, because you
can't you know, it's worth nothing without the engine.

Speaker 2 (02:11:27):
Yeah, but it's it's not automatically worth twelve grabbing twelve
grand more about putting.

Speaker 5 (02:11:32):
Them No, No, But I'm just saying to replace the
vehicle for twelve thousand. Yeah, I'm not saying it's worth twelve.
It's probably still worth seven or eight and you've got
twelve in it. Sure, But right, I mean, so you're
gonna go out and spend thirty to save twelve or
is it worth twelve and just keep the car for
another couple of years or it's a hard car.

Speaker 2 (02:11:49):
Yeah, it is, and.

Speaker 5 (02:11:49):
We do it all the time. I mean it's it's
people that are trying to keep the cars because they
are so expensive to replace, right, yeah, Kevin, What what
are the warranties like on these used engines?

Speaker 2 (02:11:59):
And by the way, what is the difference when used
and rebuilt?

Speaker 5 (02:12:02):
Well, you used obviously, it's just it's coming out of
another vehicle. So the ones we sell are twelve twelve
twelve thousand, twelve months, twelve thousand mile warranty part that's
what they used in that's used. The remans have upwards
a four year unlimited mile warranty. Whoa for you know,
for covered parts? Yeah.

Speaker 2 (02:12:19):
Yeah, it's a difference in price between a used and
I mean, I know that's a hard question, you know, but.

Speaker 5 (02:12:24):
Yeah, there's generally fifty percent. Okay, you know, if it's twelve,
you know for reman, you're probably six to seven for used.

Speaker 2 (02:12:32):
Okay, got it? Does that answer your question? Greg? Thank you?

Speaker 3 (02:12:38):
Yep, you bet appreciate the call. So talk to me
about you know, we talk about the price of things
and stuff, and I'm sure the parts businesses is no
exception to the fact that everything's more expensive these days.
We have we have supply chain issues all over the
globe between tariffs and you know, raw materials and stuff,

(02:12:59):
especially when it comes to the type of parts to
use in vehicles. I mean, what are you really seeing
these days in terms of availability versus price differences between
now and a couple of years ago. I mean, where
are things going?

Speaker 5 (02:13:11):
It's tough. I mean the pricing we see increases all
the time. You know, we get notifications the next little
delivery is you know, plus ten percent or this or that. So, yeah,
the pricing is always changing. There's nothing we can do,
you know. Availability, it's hitt and myths, you know, but
it's always it seems like the silly little parts through
the manufacturers. They don't want to inventory anymore. So you know,

(02:13:34):
a Nissan part, we had to wait, you know, five
days for a gasket for an engine, you know, things
like that. It's brutal.

Speaker 2 (02:13:41):
So the vehicle just ends up sitting there for five
days waiting on or.

Speaker 5 (02:13:45):
You try to take a short cut and say maybe
it won't leak if we put it back on, and
you know, which we won't do, but you know, it's
frustrating for the customer. We had a wait a week
for the engine to get there and then a week
for a two dollars gasket, so her truck was tied
up for three weeks, where normally that would have been
three days.

Speaker 3 (02:14:02):
Right, So is it just that these supply houses are
going to zero inventory models and okay.

Speaker 5 (02:14:08):
Yeah, just a inventory only you know, ABC whatever They
can move every week as opposed to what's every two weeks. Yeah, yep,
all right.

Speaker 4 (02:14:18):
Kind of learned that lesson during the chinavirus panic and
the listen is that the customer will wait because what
other choice does this does this lady have?

Speaker 5 (02:14:28):
That's what I mean. We take a risk that it's
gonna leak. You know, yeah, it's not worth it.

Speaker 3 (02:14:33):
Crazy crazy the stuff that we deal with. We are
going to take one more break here to round out
the day. When we come back, Tony, you will be
next up in line, so we'll be right back on
the other side.

Speaker 9 (02:14:46):
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Speaker 10 (02:14:50):

Speaker 9 (02:14:55):
Time for an insurance check up free no obligation in comparison,
call compass in insurance paying too much your coverage at
dozens of insurance companies. Find out now three all three
seven to seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
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three all three nine two zero sixteen twenty two.

Speaker 2 (02:15:27):
All right, welcome back, welcome back. Yeah, such good.

Speaker 3 (02:15:29):
You know lead in music, We just want to leave
that play in there for a while and stuff, you know.
All right, So we are getting close to wrapping up
for today. My name is John Fuller, and uh I
am filling in for Tom and Mark on the Troubleshooter
Network and I appreciate them having me in here in
the studio to do this. It's been a lot of fun.
We do have another caller on the line. We're going
to go to Tony next and see what we can

(02:15:51):
do to help out Tony.

Speaker 2 (02:15:52):
What's happening.

Speaker 18 (02:15:55):
I just have a simple question. It was bugging me
gosh for years. If you're like in public and you
get in to like an altercation with someone like verbal
and they push you, can you call the cops on them.

Speaker 2 (02:16:14):
I mean, like, can you call the cops on them?
Is that what you ask?

Speaker 18 (02:16:19):
Yeah? I mean like if you, you know, if you
get like an argument, if you're like being in a
line somewhere and you get an argument and they push
you to the ground, can you what do you do?
Can you call the cops or you just walk away?
Or I was just wondering about that popped in my mind.

Speaker 5 (02:16:40):
I think the best thing they always do is walk away. Yeah,
I mean, any chance you get walk away.

Speaker 3 (02:16:45):
You can always call the cops. But that doesn't mean
that they're going to just show up and beat the
people down and arrest them. On your behalf, And I mean,
you got to accept some personal responsibility for the situation.
And and maybe if you had the opportunity to just
de escalate and move on, that'd be the best way

(02:17:05):
to go, Tony.

Speaker 2 (02:17:06):
The only fight you can be assured of winning is
the one you walk away from.

Speaker 18 (02:17:10):
Yep, Yeah, all right?

Speaker 2 (02:17:15):
Are you calling because you've been in this situation, Tony?
What's going on? There has to be a story behind
this question. Were you the pusher or the pushy? Yeah?

Speaker 18 (02:17:24):
That was the pushy.

Speaker 2 (02:17:26):
You were the pushy. What happened Walt.

Speaker 18 (02:17:31):
Walmart. No, okay, actually it wouldn't be surprised.

Speaker 3 (02:17:34):
But is there a big town car anywhere closer this, Dimitri? Yeah,
I got the lookout for this guy.

Speaker 2 (02:17:42):
You know.

Speaker 18 (02:17:43):
Actually, I was just curious about that because if it
never happens, I don't know, Like, I don't like to fight.
I've been in one fight in my life and I lost.

Speaker 5 (02:17:54):
Nobody.

Speaker 4 (02:17:56):
The only way to win is to walk away, Tony.
And to answer your original question, it is crime called
assault and battery, right, that crime The cops won't even
show up unless unless there are injuries.

Speaker 5 (02:18:06):
Injuries.

Speaker 18 (02:18:07):
Sure, Yeah, I'm just wondering, like, if it ever ever happened,
like and then he keeps pressing it.

Speaker 2 (02:18:13):
Oh, is it somebody you know?

Speaker 4 (02:18:15):
No, okay, just a random douchebag at the at the
grocery store line.

Speaker 18 (02:18:20):
Yeah, I'm just wondering, like, if they keep pressing it,
what do you do?

Speaker 5 (02:18:24):
Walk away?

Speaker 18 (02:18:27):
Then he chases you.

Speaker 3 (02:18:28):
Or Listen, Tony, I don't know what kind of circumstance
you got yourself into here.

Speaker 18 (02:18:35):
I was just curious. I was just thinking about it.

Speaker 3 (02:18:39):
I mean, listen, there's everything in the law is a
matter of degrees okay. And if if somebody assaults you
and you're the victim of a of an assault, obviously
you can call the police and they will pursue charges.
But at the same time, the police are not there
to get, you know, to get involved with every time
somebody gets pushed or or whatever. And normally, I would

(02:19:02):
say most of those scenarios you could probably avoid in
the first place and and just not get into that situation.
But but I mean, yeah, if you get assaulted and
somebody's coming after you and you're getting hurt or you
know clearly that that is a different scenario and one
that you could you could involve the law enforcement and stuff.

Speaker 18 (02:19:22):
But no, in other words, and if they just touch you,
it's just not a big deal for the cock.

Speaker 2 (02:19:29):
I don't think you can call up the touch police
and have them, you know, come right out and you know,
lock the person up and haul them away to the
to the clink, you know. I just I don't say
that I real quick.

Speaker 18 (02:19:44):
I know, you guys are in it on time. So
if I if he does something like that and I
push him back and it turns into a fight, who's
that fault?

Speaker 5 (02:19:56):
Well, you're probably both at fault.

Speaker 3 (02:19:58):
Of Yeah, I don't think there's there's fault is not
really one of those things that that comes into play
all that much. I mean, listen, the reality is this.
If you get in a skirmish and both of you
guys get arrested, you're both gonna be known as the defendant, okay,
and you're both gonna be in court facing charges, and
neither one of you want to be there or need

(02:20:19):
to be there or had to be there, and so
you know, take the steps you can to just avoid that,
because man, nothing goods comes out of getting charge with
these stupid little petty bites and pushes and shoves and
if everything else.

Speaker 4 (02:20:33):
And who knows, if your neck hurts, make sure to
copy John Forres's phone number down.

Speaker 3 (02:20:41):
You don't have a case, so hey, listen, Tony, we
appreciate it. Be careful, stay out of trouble, don't get arrested,
don't get pushed, and.

Speaker 18 (02:20:48):
Shape before you guys leave real quick. John, if you
had your own show, I'd listen to it.

Speaker 2 (02:20:54):
I appreciate that, Tony.

Speaker 18 (02:20:56):
Yeah, genius as usual.

Speaker 2 (02:20:58):
Thank you right there alongside John to help him out.
How much do you have to pay a guy to
get him to call in and call you a Gene John.
I'll be your ED McMahon. If you get your own
show'd be like I know a guy. His name is
Dimitri you know. By the way.

Speaker 4 (02:21:13):
Thanks a huge thanks to Kevin Culkin from Shardan Auto
Tech located right there at Wadsworth and Callfax three zero
three four five five seven two four to two offering
three year, thirty six thousand mile warranty on certain repairs
honored at eighteen thousand locations around the country. I challenge

(02:21:34):
you to name a car dealer that can do that.

Speaker 3 (02:21:36):
I challenge you to name all eighteen thousand locations. That's
going to be the more impressive feat there no listen,
we do appreciate it. Thanks to everybody save all your
problems for us. We are signing off today and we
will see you guys next week.

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