The Troubleshooter 2-13-25

Episode Transcript

Speaker 1 (00:00):
Yeah, ripped, bad news to need advice?

Speaker 2 (00:09):
Who you don't have the.

Speaker 3 (00:12):
Come running just as fast as we can.

Speaker 4 (00:16):
Show Shooter's gonna help coming.

Speaker 5 (00:19):
Man, This is the Troubleshooter Show. No Tom Martino, Hey.

Speaker 2 (00:27):
Tom Martino here, Welcome to the show. Three oh three
seven to one three talk seven one three eight two
five five. I'll get the studio up at a minute.
Mark's on his way back right now. All you'll see
is deputy doc and Bow. And I wouldn't do that
to you. You could pay me to keep it off,
and I will. And I'm talking to those streaming. We
got a we got a popular following. We love it.

(00:49):
We got mostly downloads, but but several stream During the day,
I get emails and text from people all over the
country that have downloaded the show. Sometimes they're a month
behind and they somehow hear the show and then reach
out to us. And it's an older show, and that's
pretty funny. John Fuller is with us Fuller Law, and

(01:13):
I actually saved up some stuff for John personal injury attorney,
and I say call on the first sign of trouble
and just get some consultations. You'd be shocked at how
many ride share accidents, there are john people don't know
what to do. They want to know does their own
I mean, they're completely confused about rideshare. So let's take

(01:33):
it one step out a time. Ride share as a passenger,
is your own insurance covering you? Is there insurance covering you?
Who's covering you?

Speaker 6 (01:41):
Okay? It really depends on who's at fault.

Speaker 7 (01:44):
Tom.

Speaker 6 (01:44):
If there's a third party at fault, then it's just
like any other accident. In the beginning. You're going to
file all the claims against the third party that's at fault,
just as if you were in your own car. Okay,
you're still going to use your medpay. There may be
medpay available by the you know, the uber or lyft driver,

(02:05):
but but primarily you're going to use your own insurance
and you're going to use that third party. If the
lift or uber driver is at fault, they're required to
have insurance and quite a lot of it, and so
you're going to file all of your claims against that driver.
You may still have your own medpay and stuff and
your own UM that would stack on top um meaning

(02:26):
uninsured motorists. But primarily we would look to the driver
of the lift or the you know, uber for all
of the coverage for that accident.

Speaker 2 (02:39):
Okay, does your insurance ever cover you that would be
underinsured and uninsured? You said sometimes, right.

Speaker 6 (02:44):
Correct, Yep. If you run out of limits, then that
yours would kick in and stack on top of that.

Speaker 2 (02:52):
John, we used to recommend and say it's a good
idea to have underinsured and uninsured. I think it's mandatory.
I mean not by law, but I mean you're protecting yourself.
I bring back this other run and I hope he's
not listening because I rub his nose in it. He
insured his parents and wanted to save him a ton
of money. Basic liability, medpay no basic liability. Okay, what

(03:15):
about uninsured? Underinsured, no basic liability? They were hit by
someone who had next to nothing. Yeah, and now they
have lifelong injuries and they have nowhere to collect nowhere.

Speaker 4 (03:28):
Yeah.

Speaker 6 (03:29):
I see that all the time, Tom, and listen. Nobody's
immune to it. Even you know, even well intended agents
and stuff will steer people wrong. I just yesterday was
given a copy of my mother in law's car insurance,
and I was shocked to find out that she had
really good liability limits, but the state minimum of UM limits.

(03:52):
And this isn't a different state. But that's just a
classic example of some agent trying to save her money.
But it's the worst thing to skimp on. It's the
only coverage on that policy that actually protects you. This
lady is eighty two years old and has no assets
of any significance. She is not at risk of having

(04:14):
a big liability judgment wreckord financially. The only reason why
you would have those enhanced liability limits is so you
can purchase the exact same thing in UM limits. So
I see it all the time. It's not just it's
not just one carrier or one agent. It's all across
the board.

Speaker 2 (04:35):
Yeah, and you really need to advocate for yourself or
go to an agent that knows what the hell they're doing.
And another one Callion Times.

Speaker 6 (04:47):
If your agent tells you to do things like skimp
on the UM or to waive your medpay, it's time
for you to get a new agent.

Speaker 2 (04:55):
Well. See here's what happens, John. People are trying to
save money, okay, and they think they're being wise. I
think one of the wiser things would be to increase
deductibles and things like that, because if you put in
too many. If you put in too many claims anyway,
you're going to be screwed. So you may as well
have a higher deductible because you end up paying for

(05:16):
a lot of those claims yourself anyway.

Speaker 6 (05:18):
Now, Yeah, I don't disagree with you, but the problem
that you have, Tom, and especially you that have a
lot of you know, a lot of older listeners and stuff.
These people genuinely believe that their insurance agents are representatives
of the company. You know, they work for these companies
and in many instances, nothing could be further from the truth.

(05:40):
They are selling you products and they try to remain
as competitive as they can, and if they can shoot
you a lower rate by shaving off a coverage or
two here and there, then then many times the consumer
thinks that's the guy I want to go with because
he's looking out for me and getting me the best rate.
But the price for that is a lack of coverage
when you actually need it the most.

Speaker 2 (06:03):
Yeah, And I want to talk about Instagram and TikTok
and how it plays into insurance because it does, and
I want to get to the bottom of it. In fact,
I wouldn't mind having Brian Burns on to weigh in
on it, sus whenever we can. Scott, what's going on
in your life today? Scott? Three O three seven to

(06:23):
one three talk is our number three oh three seven
one three A two five five. If you call three
L three Martino you can get through twenty four to seven.
Leave a number. We will get back to you. And
of course we're available on all the social media platforms.
Just look for us. Hey, Scott, what's going on? Hey?

Speaker 8 (06:37):
How's it going?

Speaker 9 (06:38):
So?

Speaker 2 (06:39):
Good Man?

Speaker 8 (06:40):
Tend to a new home about about a year and
a half ago, a little under.

Speaker 2 (06:43):
Any new home renter, buy rent, buy bye, and is
it new from the builder?

Speaker 8 (06:51):
No, it's actually an older home, which is why I
had to have them put HBAC in when I moved in.

Speaker 2 (07:00):
When we said.

Speaker 8 (07:02):
It was November a year.

Speaker 2 (07:05):
Ago, November of twenty four, twenty three.

Speaker 8 (07:10):
Which one twenty three November twenty okay.

Speaker 2 (07:13):
And who did your HVAC comfort works? Okay? I don't
know them. So what happened?

Speaker 8 (07:22):
Well, when they came and they did the job, I
mean it seemed like a great job. The Winner of
twenty three twenty four we had that one really cold
night and the system froze up. I tried colling. I'm
never heard back. It worked afterwards, so I didn't think
much about it. But this year it's gone down. I
don't know, three four, five times it's frozen up. Last

(07:44):
night I had absolutely no heat. I've been trying to
get a hold of this guy for about the last
month and a half. Ever since that first really cold
night we had and it froze up again. I mean,
I've been going without heat.

Speaker 2 (07:55):
Hearing that all right, now, listen, let's talk about let's
talk about the very first time you said it froze up.
What exactly does that mean?

Speaker 8 (08:04):
Well, it's a mini split system, so it's got indoor.

Speaker 2 (08:07):
U Okay, now I got you. I got you. It's
not a real furnace. Then it's it's a it's a
heat pump.

Speaker 8 (08:14):
Yeah, it's a heat pump.

Speaker 2 (08:17):
Well, a heat pump will freeze up unless it's these
newer heat pumps, and it's probably not these newer heat pumps.
I don't believe they make them in mini splits. The
newer heat pumps are good for a way below zero.
The regular mini splits are not, and they are not
really good below forty forty degrees thirty five degrees so

(08:39):
you don't have a regular furnace.

Speaker 8 (08:42):
I have the mini splits and that's all I have.
The they were brand how many.

Speaker 2 (08:46):
How many many? How many many? It doesn't matter if
they're new or not, if they can't do the job.
How many mini splits do you have?

Speaker 8 (09:00):
And they're both connected to the same outdoor unit?

Speaker 2 (09:02):
Okay? I missed that. What did he say? How many?
Like three or four? Like? How many outside units? How
many outside units do you have?

Speaker 8 (09:10):
H there's one outside unit and two indoor units.

Speaker 2 (09:15):
Okay, so it's a it's truly using one compressor and
one condenser and it has two wall units in the house.
Those are never going to heat your house. I mean
they're probably functioning font and shepherd those well that you
know what, then you're lucky, You're lucky. But when they
go out, how do they go out?

Speaker 9 (09:35):
Uh?

Speaker 8 (09:35):
Well, the defrost light will come on like it'll be heating.
Then the little event goes up. The light will come
on for to defrosts and then just sits there for hours.
The outside unit wi's running whatsoever, and it just gets cold,
you know, I think, and you know, little ice or
what nott a form on around the outside of it.
And whatever, and it just it doesn't defrost, it doesn't
come back on.

Speaker 2 (09:59):
Okay, listen, I'm just gonna tell you you're going to
have this problem. And usually usually they're pretty piss poor.
From twenty to thirty two degrees. Thirty two to forty five,
they're wonderful. Below twenty, they're useless and they will freeze up.

(10:20):
It's absolutely normal. Now they do make some hyper heat
high performance ones for below fifteen. I don't know what
kind you have. What's the make of yours?

Speaker 8 (10:31):
It's a Mitsubishi Electric. It's been running just fine until
it gets down to about you know, five degrees zero degrees.

Speaker 2 (10:38):
Or did you just hear it? Okay, bro, did you
hear what I said? I mean, that's why, because they're
not made for that. Of course they're gonna run fine
until they don't. But I need to know the exact
make and model and stuff and let us let our
experts run it down. So I'm gonna put you on
hold and give us the make, give us the exact

(11:01):
make and model. Okay, hold on three oh three seven
one three talk seven one three eight two five five
waterpros dot Net, you want to talk about the best
water systems in the world. I'm just telling you this.
You can get rid of all the poofa chemicals that's
forever chemicals, the plastics, the chlorine con soften your water,
good for pipes, good for you, good for your skin,

(11:23):
and get drinking water at the kitchen sink. All of
this this is never be foeheard of. And it's a
Valentine to Day special. So I think it ends smortw
But you can call and get in line and you'll
still be an unord thirty one, ninety five, three and
ninety five. Now now I'm really serious. I honest to God,
I'm serious. Not a plumber in Denver will do it

(11:45):
for less than fifteen grand, and even Paul the waterman
charges more than this usually. So here's what I want
you to do. Call him three oh three eighty six
two five five five four. Hey Tom Martino here three
oh three seven to one three talk three oh three

(12:05):
seven one three eight two five five. So let's go
back to the phone see what we can do for you.
And John Fuller is with us, Marcus somewhere in the house.
So Scott's got an HVAC issue. I try did we
get the issues? If we get the exact make and model.
I'd like to get someone from fix It or eight eight.

Speaker 10 (12:27):
Eighteen m I'm sorry, okay, okay.

Speaker 2 (12:30):
Or Plumbline. What I'd like to do is address the
system he has, because having a mini split that goes
out around five degrees is not unusual. I mean really,
there's only a few a few that will actually handle
temperatures below that. Mini splits, for those listening, are electric systems,

(12:53):
and they call them splits because you don't have to
put in a whole system. You put in a wall
unit to an exterior wall. It looks like an air conditioner,
but it's built into the wall. They put it usually
up a little high, and then it's remote controlled and
then it goes the the fluids and everything go outside
to the guts, which is called the split mini split.

(13:18):
So that's where the word, you know, that's how they
describe them. And sometimes they're people's only option when they
don't have duct work. They have to put these big
splits in. But they're really not they're really really not
made for Colorado.

Speaker 11 (13:33):
I have a tree, Scott, Tom.

Speaker 2 (13:36):
Oh and you know about this too, bo, Yes.

Speaker 11 (13:38):
Tom, Tom is Scott still on the air. I think
go ahead, Scott, this is bo. You need to call
your your your contractor comfort works and see if they
installed an integrated electric element into your Mini split that'll
supplement the heat pump. It's a strip elements, similar to

(14:01):
like your toaster. I think that's yeah, some.

Speaker 2 (14:04):
Of them that That's what I was asking him for
the model because some of them have it, like for example,
the go ahead.

Speaker 8 (14:13):
I have a model number if you want it. But
that's my whole problem. I've been calling this guy for
a month and a half and he won't return a
single phone call.

Speaker 2 (14:20):
Well, is it a Mitsubishi.

Speaker 8 (14:23):
Yeah, it's a Missabis looks like the part number is
MS z GS two four inn a.

Speaker 2 (14:32):
Okay, you gotta phonetically do that MS like in liking
Mike Sierra.

Speaker 12 (14:38):
Yeah, m is in Mike, as is in sausage, z
as in Zebra, sausage, g as in green s as
in sausage two four n as in Niagara Falls and
in Alberta.

Speaker 2 (14:55):
Okay, I like sausage. Okay. Is it called do you
know if it's called do you know if it's called
the hyperhat?

Speaker 13 (15:06):
I have no idea. I just know it's a miss
Abigi Electric. The guys were real nice when they installed it.
I mean they were quick, they were efficient, and it
works great up until he gets to that point.

Speaker 2 (15:15):
Okay, I would never listen. Listen carefully. Listen carefully, bro,
I'm on their site. The Mitsubi MSZGS two A n
A is not a cold climate heat pump. Okay, it's
got a limited capacity, and uh, if you want the

(15:39):
heating one, it's got to be a different one. Now
here's what's going to be your argument. You're you're going
to say it's defective, and it's not. They put in
and you paid for what you got. Well, no it's not.

Speaker 8 (15:52):
I'm looking for a way to get it to not.

Speaker 2 (15:55):
What do you want?

Speaker 8 (15:55):
How can I keep this from happening?

Speaker 14 (15:58):
Well, you can't, I would like to.

Speaker 2 (16:00):
I guess, man, I don't know. Hold on, hold on,
hold on. I am assuming that you're understanding me. You
can't make something work that's not made for the intended purpose.
You can't make it work to keep it from happening.

Speaker 13 (16:18):
When I didn't realize that this unit was not design
for cold weather, when the students stallted, he told me,
as you were just fine year round.

Speaker 2 (16:29):
And it okay, and in Colorado, it does most of
the time. So your argument's going to be, should you
have been sold it isn't inappropriate? But this is not
an investment. I mean, the appropriateness doesn't really play into
it if the consumer knowingly buys something and pays a
fair price. Now, if you were misled, in other words,

(16:50):
they told you it was the hyperheat model and it wasn't.
But if you were sold that model number and pay
the appropriate price for that model number, and you didn't
pay for the high efficiency, then you got what you
paid for and it's working about nine or ninety five
percent of the time. Scott, there is no answer to this.
There isn't. I mean, I don't know if they would,

(17:10):
out of courtesy upgrade you, But what are you expecting
them to do. They can't make it work better. It's
designed for what it does.

Speaker 8 (17:21):
I did not realize it was not designed for cold
weather until you just told me, to be honest.

Speaker 2 (17:26):
Not designed for extreme It's not designed for extreme cold weather.
Now I would complain. You said, the dude this is
a company. Is the company made up of a number
of dudes or is it one dude that owns it?

Speaker 8 (17:41):
I think it's like I don't want to see a
mom in poss. But I know there's a guy that
owns it and he's got to do that helps them.
And I don't know of anyone else. But I've only
met those two.

Speaker 2 (17:50):
I've only spoken with him, did you ever? Okay, they
won't return your call, right, okay?

Speaker 9 (17:55):
Bo.

Speaker 2 (17:56):
What I would like you to do is call them,
Bo call.

Speaker 11 (18:00):
I will, and I'll give them the model, go ahead.

Speaker 2 (18:04):
Yeah, and ask them if they think it's appropriate that
it was sold. Do they feel any obligation to help
upgrade them?

Speaker 11 (18:13):
Tom, You're right, it's not the correct unit for this
climate with our low cabin.

Speaker 3 (18:18):
It's not.

Speaker 11 (18:19):
It's not and it may need to just be changed out.
I don't think you can add a supplemental strip eating
to that model.

Speaker 2 (18:27):
No, you can't. It's not made for it.

Speaker 11 (18:30):
Scott will call the contractor for you.

Speaker 2 (18:33):
See what now, Sus? Did we get? Is Brian Burns around?

Speaker 4 (18:39):
I can check?

Speaker 2 (18:39):
Hang on a minute, Yeah. I want to try to
get them after the break to talk with John Fullern
me about some things I'm seeing on Instagram and TikTok.
And I want somebody to look into it because I'm
so tired of it. I am so tired of it,
and I really want to look into it. Three oh
three seven to one three talk seven one three eight
two five.

Speaker 6 (19:06):
Necessairly in that order.

Speaker 2 (19:10):
I'm Tom Martine. You're a troubleshooter. I got Brian Burns
up from Compass Insurance. By the way, they're the home
of the free insurance checkups always three h three nine
nine six nine thousand. Brian, I don't know if you've
ever been asked this question. And John Fuller, our personal
injury attorney, as well, I don't know if you've ever
been asked this, but I'm getting tired of seeing it.

(19:33):
I look every now and then on TikTok and most
more so on Instagram, and what I'm seeing are these
short VIDs on Okay. One of them is a guy
in a sharkskin suit standing next to a McLaren and
in the driveway's a g wagon and a woman comes
up and says, man, that's a really wonderful, beautiful cards,

(19:54):
so thank you appreciate it. What do you do for
a living. I'm in real estate. Man. That must be
expensive to maintain a car like this. What is the
cost to ensure he says, let's see for this car
and the g Wagon over there, they're forty five dollars
each month. And she said no way. He says, yes,
there's a little known secret in auto, in the auto industry,

(20:15):
and everybody is cheated. Now, then mister Wonderful did a
commercial on TikTok turned the insurance industry on its ear,
saying that most people are paying ten times what they
should for car insurance. And then I think his name
was mister Wonderful and then from the Shark Tank, and
then I see countless ads. Now, Brian, I don't know,

(20:36):
or John, do you guys look at TikTok or Instagram
at all any of those VIDs ever?

Speaker 6 (20:42):
Rare?

Speaker 2 (20:42):
I don't, Okay, so you don't. You have not seen
these ads? And they say base. Basically, what they're saying
is everyone is getting cheated everyone, And I'm going to
try to bring one up if I can. But they
say everyone is being cheated. But do you know what
they're talking about?

Speaker 15 (21:03):
Well, I've never even seen it, so but I'm taking it.
They don't offer a solution out of this. It's not well,
you know, it's no they sure.

Speaker 2 (21:11):
Do, they sure do. No, no, hey, hey, hey, hey,
they they do offer they say, check out, you know,
check it out this link. Hit this link. Obviously I
never hit it. I guess I should before I open
my mouth. But so I don't know. I can't believe
there must be people listening that have seen these ads

(21:34):
on tick. Do you see them all the time saying
that you're paying too much? You're paying too much And
I'm trying to find one right now, and I might
try to find one during the break, So you have
not heard of them, and they obviously if this guy
is saying he's paying forty five dollars a month on
a McLaren, he's a liar.

Speaker 15 (21:54):
Right, It's not true. So I mean that's I mean,
there's all sorts of clickbait like that. Also, I'm sure
you can find where it says if you do this,
you know, you'll lose one hundred pounds by you know,
in the next month by simply you know, following, or you.

Speaker 2 (22:11):
Can or you can grow hair, right they you know,
the growing hair thing. But there seems to be a
plethora lately of these car insurance adds, specifically, not house insurance,
but car insurance anyway, So I am curious and again,
if I find it. Brian I'm going to run it

(22:33):
by you, but right now, are what's going on with
insurance right now? Are all rates just going up, up, up,
up up, Like when they have problems with the housing market,
the casualty property casualty market, do they pass along losses

(22:54):
to the auto department? I mean, do all the rates
go up or do they keep them independent?

Speaker 15 (23:00):
No, they're more independent. I mean, not that you couldn't
see some overflow, but for the most part, it's pretty independent.
As a matter of fact, I just met with a
carrier that was talking about the fact they're taking a
rate decrease on auto now certainly not on home in Colorado,
but on auto. So that tells me it's pretty independent.
So you know, I don't foresee a huge rate increase

(23:24):
on auto this year.

Speaker 2 (23:27):
Okay, all right, John Fuller, have you seen have you
seen any of those come ons for low priced car insurance?

Speaker 6 (23:36):
No, I've not seen those. But let me touch on
that issue you guys just chatted about. I mean, I look,
Brian knows firsthand about rates here in Colorado and stuff.
But here's what I do see, and here's what I
am concerned about. We just had massive fires in California.
You know, we've had We've had huge fires in Colorado,
We've had massive hail seasons. I mean, sometimes we have

(23:59):
no natural you know, we have hurricanes in Florida and
up through Georgia and North Carolina and all that. I mean,
these insurance companies are getting just walloped this year in
property and casualty claims. And I can tell you that
when that kind of stuff happens, the collateral consequence is
that these insurance companies get very very very stingy with

(24:22):
the money they go in to protect their home turf mode,
and they don't want to pay any claims out unless
they're forced to do so.

Speaker 2 (24:31):
So it of course all of us.

Speaker 6 (24:33):
You know, I remember when you know, the State Farm
had such a huge exposure when the big hurricanes came
into New Orleans, you know, many years ago, and I
mean we didn't I don't think we got a single
case settled with State Farm for about a year or
a year and a half that didn't require litigation, even
though they were completely legitimate cases. The adjusters just had

(24:55):
no authority to settle those cases, and so we ended
up having and the file everything. So it definitely affects them.
They may be local and setting their rates based on
their exposure. But they are national companies and these big, huge,
you know, disasters definitely hit the bottom line.

Speaker 2 (25:14):
Brian, what do you think?

Speaker 15 (25:16):
Oh, yeah, no, I and I specifically agree. I agree
with you specifically on the property side, because there's been
so many you know, people will often ask why haven't
had a claim? You know, why am I Why are
my rates going up? And you know, I say, well,
if you get ten people in the room, you know,
I'll promise you probably seven of them have had a claim.

(25:37):
And that's the reason it spreads out. But as far
as how they pay out, John obviously deals with that
side of it more. I do see a difference in
carriers on how they pay out. Certain carriers seem to
pay out much easier than others. But no doubt that
when a carrier has an enormous amount of losses, it

(25:58):
doesn't surprise me at all. They're they become tighter on
their ability to pay out.

Speaker 7 (26:04):
But my hope is that, uh.

Speaker 15 (26:06):
You know, we can also help if something is legitimate
claim and it seems uh pretty much no brainer. We
usually have pretty good success of getting involved if we
need to.

Speaker 2 (26:19):
Okay, so we have more coming up. I I just
want to take uh this real quick thing here. Bob
Uh from lam Landscaping, he has a comment. Go ahead,
Bob hey, tom so that.

Speaker 16 (26:34):
I'm serious thing you're talking about. There's like five of them,
but every one of them says the exact same thing.
And what they say is is your payments blah blah
blah blah blah. And they're blaming it on the agents.
What they're saying is and I call it, it's just
a blissiting to your number. They're saying that the agents
make fifty percent of all your all all your payments

(26:55):
and that's why your insurance is so high. And Anon,
one of them says the same thing. I'm for sure
that's the same company US in five different advertisements. But
that's how it is. And then when you call them,
they just send you off the summer, you know, like
a different insurance time to try to quote your insurance.
It's a bogus thing.

Speaker 2 (27:13):
And and and they claim they claim if you go
they claim, if you go direct, you're gonna save a
crapload of money.

Speaker 17 (27:21):
Yeah see us.

Speaker 18 (27:23):
Do you know me?

Speaker 16 (27:24):
I watched some of these things for you, and I
saw that the other day and I'm like, okay, I'm
gonna call it. It's just a way for them to
get to you another insurance covers right to the.

Speaker 2 (27:32):
Quote that's all, and it never and it never, and
then I then I'd like to say, well, wait a minute,
where's that forty five dollars a month come in? You know?
I wonder if they could ever quote that. I want
to talk to Brian about commissions and stuff, and I
want to dispel a lot of the myths about insurance.
Coming up, I'm Tom Martine, Thank you, Bob. We have
more coming up. Three or three seven one three talks

(27:53):
seven one three eight two five five. By the way,
I want to remind you eight eight eight heating dot com.
Put that to the test. They say the lowest price
on high efficiency units, including high efficiency mini splits. That's
eight eight eight heating dot Com. My friends Garrett and
his team three oh three seven seven zero two seven

(28:13):
seven six. Hey Tom Martino, your troubleshooter. Three oh three
seven one three talk seven one three eight two five five.
So some other people are texting me about those TikTok

(28:34):
and Instagram as they got suckered in, and really all
it is is their aggregating leads and giving quotes. But Brian, Yep,
there's no way that an agent makes fifty percent of
the premium, is there.

Speaker 3 (28:47):
No.

Speaker 15 (28:47):
I would love to know the carrier that would pay
that on average what you'd find, I would love it,
but it would be uh ten is what you'd normally find.

Speaker 2 (28:58):
Yeah, and you don't save going I don't know why
people think that.

Speaker 15 (29:02):
Now there you get the same exact rate if you
were to go direct, But there's a lot of carriers
that won't even offer a direct rate like that. They
require you go through an agent. So you know, it
makes no sense to do the work yourself because it
is work having to shop through all those make sure
coverages are the same or there's endorsements that are missing.

(29:22):
But then on the flip side, I don't know why
people go to a captive agent because they go to
the one company hoping that's going to be the best option,
and you know the chance of that being is very slim.

Speaker 2 (29:36):
Okay, thank you, Brian. Compass insurance three h three nine
nine six nine thousand, and they do insurance checkups every day,
so I appreciate that. Brian. Now here's what I want
to tell you. Jr. Texted me a picture. He says,
they're showing up all over JR. Believe it or not,
You're not the only one that told me this. There's

(29:58):
signs on various facilities and they say Colorado, Uh. Something
at the top has cut off immigrants, no mass deportations
and it says report suspected ICE activity and it gives
a number where you can report ICE, know your rights,

(30:22):
And so it's some group for illegal immigration protection. I
just have to say this. I know I wish Major
Mark Mouth Major was on the on the mic right now,
but he's not in the studio just yet. But how
do you come down in favor of illegal immigration front?

(30:50):
And because the people they're targeting right now are people
who are in the country illegally and have committed crimes
or have a criminal record, how does anyone in their
right mind come down in favor of leaving them alone?
Where do you justify this?

Speaker 5 (31:11):
Then?

Speaker 2 (31:12):
I heard AOC that congresswoman who's half crazy do a
video talking about how the United States is taking a
black eye because billionaire Elon Musk and President Trump are
running amok, drying up charity and humanitarian causes all over

(31:36):
the world. If you read some of the things being
cut by Doge. If you read them, you would be shocked.
They're not taking baby milk formula, baby formula out of nurseries.
They're stopping the most ridiculous crap you have ever seen

(31:56):
in your life. And do you know that they have
found on the roles hundreds and hundreds of people one
hundred and fifty years or older collecting social security? Do
you know that? Did you ever see that TV series Shameless?

Speaker 3 (32:14):
Oh?

Speaker 2 (32:15):
Yeah, they were collecting. They were collecting classic show. Oh
my god, they were collecting social security, unemployment every government
doled out check. They were getting it all from US eight. No,
they know because US eight is for foreign people or
for foreign countries, not for here. But but it reminds
you of Shameless. I swear to god, they are just

(32:36):
unbelievable and how this is what I don't understand. And
I wish anybody just had the nerve to call me,
and I promise you the utmost respect. I will listen
to you. How do you come down against what they're doing?

Speaker 3 (32:53):
So far?

Speaker 2 (32:54):
Fifty billion dollars a day being saved? What are you
kidding me? How can anyone be against it?

Speaker 3 (33:04):
Listen?

Speaker 2 (33:04):
This is not political, it's economic. Why do you want
to support useless bs all over the planet. I mean,
did you know that that news organization, and I don't
know if it's the only one, Politico was actually being subsidized.
Their subscriptions were being subsidized because their subscriptions they lose

(33:25):
on every subscription. Now where the hell? And then Politico
would write good things about the White House when it
was Democrat and they were being subsidized by USAID, And
there were other private media organizations being supported in the effort.
What they say is to equalize the voices. Who please

(33:48):
call me. I promise you you will get priority. Call
me and justify it. We have more coming up on
the Troubleshooter Show.

Speaker 1 (34:01):
Ripped off bad news, You need advice, who.

Speaker 3 (34:06):
You don't have the come running just as fast as
we can show.

Speaker 4 (34:12):
Shooter's gonna help.

Speaker 3 (34:14):
Come man.

Speaker 5 (34:16):
This is the Troubleshooter Show.

Speaker 10 (34:18):
No Tom Martine, Welcome, Welcome my friends to the only
and I mean that the only show of It's guy
and we are here to solve problems, answer questions, take complaints.
Our goal in life is to make your life just
a little bit better. If we can help recoup money.
Maybe from a contractor that oki dokya, Maybe from some

(34:39):
kind of dentist that didn't do the right thing. Maybe
from a landlord, uh, trying to put the screws to
you by not fixing your furnace on a cold night.
That's what the show's about. The phone number is so easy.
I love this phone number. Three oh three Martino. That
number works on and off the year. Please tell your friends,
your family, anybody that needs help. Hell, tap the person

(35:00):
on the shoulder in the grocery store and tell them, Hey,
if you ever need help, three to zho three Martino,
or you can email him at help at troubleshooter dot com.
I'm sure they'll find that a little strange, but what
the hell? Hey joining me today? Of course John Fuller,
Personal injury CEO dot com. Not only is John basically
a co host and fills in for Tom and myself

(35:22):
here on the show, but he's also my attorney, my
personal injury attorney. And on top of that, we have
to Deputy's deputy docs in studio and Deputy Bow. What
are you guys up to?

Speaker 11 (35:35):
Just hanging out trying to stay warm? I do have
a small update from last year.

Speaker 10 (35:39):
So I got it when I walk in the studio
and I look over there, and that damn thing's on three.
Who put it on three?

Speaker 11 (35:46):
It was on six when we came in. By no,
I turned it down.

Speaker 10 (35:50):
I feel like I'm the only person in the world
that has normal skin temperature. If anybody walked into the studio,
it's like one hundred and five degrees. It's a sna
in here.

Speaker 11 (36:00):
Blame Michael Brown, not us.

Speaker 10 (36:01):
John Fuller, what's going on with you, sir?

Speaker 6 (36:05):
Just living the dream?

Speaker 3 (36:06):
Then?

Speaker 10 (36:06):
Yeah, you're living the dream. I bet you're in better weather,
aren't you don't why just a little bit?

Speaker 3 (36:12):
Yeah?

Speaker 10 (36:12):
Yeah, I know, kid. Where are you at today, Florida?

Speaker 6 (36:15):
I am in Florida?

Speaker 3 (36:16):
Yep.

Speaker 10 (36:16):
You guys, you're getting You had some hurricane damage and
some other stuff you're still dealing with. I assume we are.

Speaker 6 (36:23):
We are. We're getting to the end of it though,
but it just takes a lot of hands on stuff,
and you know, we're very fortunate. A lot of people
are still are still dealing with, you know, that storm
damage as if it happened just yesterday.

Speaker 10 (36:36):
I was going to ask you that, you know, they
talk a lot. What was at South Carolina and North
Carolina one of them where you know, there was people
living in tents. They got like, you know, seven hundred
and fifty bucks. You know, it became a whole political
thing as well. But generally speaking, I mean, my god,
you know what I'm answering my own question. As you know,
we've been looking for a place out in sly Dell,

(36:58):
out around New Orleans. And when you drive from the
airport across any of the bridges over to the Slydell
area or across the lake patcha train. I got to
tell you, man, there's apartment complexes that got hit by
Katrina that are completely completely just in shambles. No one
has lived there for twenty years. There's homes where there's

(37:20):
still tarps on the roofs. It looks like the damn
thing hit six seven months ago. But generally speaking, in
nicer areas, I mean, when something goes through say Miami,
like a hurricane, and there's some damage or in the
keys somewhere like that, what generally happens is everything rebuilt
within a couple years.

Speaker 6 (37:42):
Well, ITAs, it takes every bit of that. I mean,
you know, like I've told you a million times, here's
the deal, you don't know what you don't know, okay,
And what happens when you have one of these big
storms is the damage is so extensive that everywhere you
turn there's just destruction. And then we have to start rebuilding.
So the area that you that got hit in this

(38:04):
last round of hurricanes Helene and Milton, what you've got it?
I mean that happened in October. It's now middle of February,
and these people are still waiting to try to get
permits to even start rebuilding their home. And you might say, well,
how could that possibly be. Well, here's the deal. They're
not allowed to rebuild their home at all if the

(38:25):
damage is over a certain threshold. And literally they haven't
heard from the federal government yet about whether or not
that house's damage is over that threshold. And so the
people are just in this catch twenty two where they
can't rebuild because they can't get permits, and yet they
can't live in their home because it's been destroyed. And

(38:46):
now we're going on months and months and it's just crazy.

Speaker 10 (38:49):
So well, the same thing, John, the same things kind
of going on in California with the fires.

Speaker 6 (38:55):
Truly it is, Yeah, it doesn't matter where it is,
that's the same thing you've got. You've got this intersection
of insurance, of federal regulations, of local building departments, and
you've got a massive shortage of contractors and materials and
tradesmen and everything. You know, with the perfect storm.

Speaker 10 (39:15):
We've talked about it so much. Those California fires are
way worse than what the Boulder fires were. I mean,
if you lived through something like that, it's just bad.

Speaker 6 (39:22):
In the middle of the Boulder Urine area, I'll exactly
the same.

Speaker 10 (39:26):
But well, that's right, but I'm saying it affected a
lot more dollars in California. But here's what blew me away.
Almost everybody it was like ninety eight percent. We're all
under insured. And you just touched on one of the
big reasons why when there's something devastating like that, the
contractors they can start charging more. The supplies run low,

(39:48):
they can start charging more. The insurance goes up, so everybody,
everybody ends up under insured, even if you did have
the correct amount of insurance before that happened.

Speaker 6 (40:00):
Yeah, you're right, I mean, but though the lesson of
voter was that, you know, listen, we've all gone through
this area or this this timeframe when when the real
estate market was going up. We see it in this
property tax debacle that we've got where all of a sudden,
you know, your property values have doubled over the last yeah,
you know, five or six years, and then the taxes

(40:21):
go up accordingly, and people, you know, cry foul as
if there's something wrong with that. But the real problem
is when you insured your home at four hundred thousand
dollars and then all of a sudden it's worth six
or seven, which carries time to rebuild it, you don't
have enough insurance.

Speaker 10 (40:37):
No in fact, so you could literally be upside down,
not be able to rebuild, and still have a mortgage
payment for twenty five hours.

Speaker 6 (40:44):
Venture to guess that half of the people up in
Lewisville and Voter were in exactly that situation.

Speaker 10 (40:49):
And that's why it's important. You know, we talk about
compass insurance a lot, and I think they were on
last hour. But the bottom line is if you haven't
checked to see if you have the proper coverage. And
I mean that like just like John said, think about it.
If you bought your house ten fifteen years ago and
you have not looked at the value of your house
in a while, you could be so underinsured it's crazy.

(41:11):
And let me tell you the insurance companies, especially if
you're around a fire zone, they don't care. In fact,
they're the ones that make out in it because you
have a maximum payout of say four or five hundred,
and you can't rebuild that piece of property for less
than eight nine hundred thousand. It's crazy. Hey, Tom, what
is your comment on Doze?

Speaker 19 (41:31):
A great show as usual? The comment really is, can
we agree that we've got a president that's been a
little loose with the truth in the last few years?

Speaker 10 (41:40):
No, you mean you don't? You mean Trump or you
mean Biden?

Speaker 19 (41:43):
I mean Trump?

Speaker 2 (41:44):
Well?

Speaker 10 (41:45):
Okay, Well, how has he been loose in the screws?

Speaker 19 (41:49):
Loose in the truth?

Speaker 10 (41:50):
Loose in the truth? How would that be? What has
he said that's not true?

Speaker 3 (41:53):
Tom?

Speaker 10 (41:55):
Are you homeless? I'm just curious.

Speaker 19 (41:57):
No, I'm not homeless.

Speaker 10 (41:58):
All right, go ahead, how's he loose?

Speaker 19 (42:01):
Well, I'll get to the point.

Speaker 10 (42:03):
Yeah, no, Actually, why don't you start with exactly what
you said? Give me an idea, what is that? I
have not seen a president in at least four years
that actually talks to the press every day answers questions,
tells you exactly what he's thinking of and has done
so many good things in a short time. I just

(42:23):
have never seen it. So I want to know how
he's loose in the screws.

Speaker 19 (42:28):
I'm sorry, it's not loose in the screws. It's loose
with the truth.

Speaker 10 (42:33):
Okay, loose with the truth. How what is he said?
That's not true?

Speaker 19 (42:37):
Well, we'll take the dose thing he had said first,
That was said there was fifty million dollars used for
condoms to Hamas. Trump repeated that and said there was
one hundred million dollars lost by giving condoms.

Speaker 10 (42:52):
To who cares? Who cares? What the hell is the
damn difference? What the what the hell is it difference?
Fifty or one hundred million in condoms.

Speaker 6 (43:03):
For hony condoms would have been an appropriate number to
send to Hamas.

Speaker 10 (43:07):
How about if it was ten I don't even care
if it was ten dollars? Who cares?

Speaker 2 (43:13):
Pop me up?

Speaker 10 (43:14):
Is this guy defending the guy is saying Trump is
loose with the truth, Tom, I mean, it's crazy. Instead
of what about the people who are one hundred and
fifty years old?

Speaker 2 (43:25):
What about the people on Social Security? Are over one
hundred and fifty years old. You all for that?

Speaker 19 (43:29):
Well, is that anecdotal or have you seen the actual
proof of names and numbers?

Speaker 2 (43:34):
It's just well, no, I haven't seen the actual proof.

Speaker 6 (43:37):
So Tom, Okay, Well Tom, just like, let me get
this ice rate of an elementary school.

Speaker 2 (43:44):
No, you have not, Tom, I'm asking Tom. I'm asking
a simple question, seriously, and I promised I would give
you your say. So are you saying that every dime
they're claiming to save, they're lying about it, that it
didn't exist, and it does exist? So government waste does exist.

(44:08):
Are they helping getting are they helping to get rid
of it? That?

Speaker 19 (44:12):
I could not tell you for sure until I see
accurate and verifiable number.

Speaker 10 (44:17):
Tom. No one's going to show you anything. It's just
not going to happen. You're either going to have to
trust you.

Speaker 2 (44:23):
No, No, what would be Tom? What would be an
accurate and verifiable number on the Republican side, Because you
seem to take everything on the Democratic side at face value?
So tell me what what constitutes for you? And I
know what Tom's saying. Tom's saying, Look, if they were
really saving money, I'm all for it, But I don't believe.

Speaker 10 (44:43):
I think they're exaggerating, and I want to see proof.
I don't agree with you, Tom, I bet, I mean Martino.
I think what Tom is saying is stuff like this.
I don't think we should get rid of the Education Department. Tom.
If that would save us money, should we get rid
of it and gut it?

Speaker 19 (45:00):
No, I don't believe.

Speaker 10 (45:01):
It doesn't matter what Tom. He's got a theory in
his mind how this country should run, so it has
many can do with saving money. Okay, I want to
go back to Look, that's Tom.

Speaker 2 (45:14):
Tom. You might have disagreement on whether offices should be
open or closure, what they should do, but what I'm asking,
in basic common sense is what can what it constitutes
verifiable information on the waste they're.

Speaker 19 (45:27):
Cutting an audit by a Commerce Department official.

Speaker 2 (45:34):
Okay, do you understand that the Oversight Community the office
of a the the the there is an office of
the federal government that's supposed to be doing what DOGE
is doing. They're actually a target of DOGE. So they
wouldn't actually probably be credible to audit themselves, would they?

Speaker 7 (45:52):
Oh?

Speaker 19 (45:52):
Probably not, but you know they expector generals were fired
pretty much across the board and that was their job
and they're gone now.

Speaker 2 (46:00):
So you don't approve, So you basically don't approve or
don't believe we're saving all of this money.

Speaker 19 (46:06):
I just want an audit, uh, you know, the condom thing,
the gross amounts that they say the I would like
to see some type of verification because these people are
justifying their jobs of cutting this and I you know,
would like some you know, real numbers or at least

(46:29):
some something to lean on other than anecdotes.

Speaker 10 (46:32):
Okay, how do you argue with that?

Speaker 2 (46:35):
So you think they're just like I know what he's saying.
He's saying they're searching for headlines and they're not really
doing what they say.

Speaker 10 (46:43):
Okay, well no, what do you know what he's saying
is I don't believe the damn word Eline or Trump
or anybody says. That's what he's saying. And there's no
way to fix stupid.

Speaker 2 (46:52):
Now, now, I went, hold on, I want to verify it.

Speaker 19 (46:55):
Hold On, bro, I don't doubt.

Speaker 2 (46:58):
Can I tell you something. You're gonna have to do
a little research, But I got something for you. Seriously, Tom,
and again, Mark, I don't mind you. I don't mind
you dogging on people when they call. I don't mind
it at all. It's your opinion. But I did tell
them if they called in disagreement and that they feel,
I want to hear I want to hear them out.
So here's what here's here's what I'm seeing. I'm seeing
verifiable information on AI that gives you the links support

(47:23):
for persecuted communities. They were giving money to Yazidi communities
in Iraq essential for rebuilding, water, electricity, healthcare and education.
That's been totally cut. They had healthcare in Syria and
that was for uh They suspended all of that and
AIDS programs. Now people might disagree with it. Agricultural research

(47:46):
was halted in a network of research laboratories around the world.
Global health programs again for AIDS, and all of these
uh UH for for HIV mainly child health and nutrition.
Four billion has been cut. These funds were supposedly combating

(48:08):
malaria HIV to regulus. Again, this is AI which is
going to have a bend toward them. USA cuts too.
They had transgender studies in whatever this country is, I
can't pronounce it, and advancing LBGYQ in the Arab countries,
advancing the cause for and what they say is for

(48:32):
humanitarian purposes. In other words, they I guess they feel
like they're being persecuted. And so there's millions of dollars
going there. There were hundreds and hundreds of people cut
from social security that were dead. So you know, here's
an easy thing to do, Tom, just call up and
keep denying and say no, that's not true, that's not true.

(48:54):
That's not true. So I don't know what. I don't
know how to combat it, but do some research. I
got to take a break on Tom Martino. More coming up, Hi,
Tom Martino. You're a troubleshooter. Three three seven one three
talk seven one three eight two five five. So, man,

(49:14):
the world has changed, hasn't it. A lot of people
aren'thappy about it. I say, it is what it is.
The pendulum always swings, always back and forth it does.
This country is good that way it goes. Maybe it's
been going too far to left, too far to the right.
Maybe we have another comment on DOJE Department of Government Efficiency.

(49:35):
And really I made the comment that I don't know
how people don't want to route out waste. And when
I hear AOC, it's as if we are the most
evil people in the world defending programs that seem ridiculous. Now,
you know, you might want to argue on some of

(49:56):
these child healthcare programs, thinking, come on, you know these
kids need help. But not only did they cut the programs,
but they could find no trails that the money was
going where it was supposed to go. Do you know
that in the Ukraine? I swear to God there is
so much money missing that Zelenski even says we didn't
get any of that money. Where did it go? I mean,

(50:17):
think about that, God, I mean, they just billions just
go disappearing. Ralph, go ahead, you can have your say
on this. I'm not going to interfere. What do you
have to say about doj.

Speaker 7 (50:30):
Hey, you guys really attacked Tom there. I didn't think
that was really appropriate and he was just trying to
give his opinion.

Speaker 10 (50:37):
But maya, did you think I did?

Speaker 2 (50:39):
You think I attacked him? Roll? Seriously, do you think
I did?

Speaker 7 (50:42):
You did not?

Speaker 2 (50:43):
You did it?

Speaker 7 (50:44):
Mark did?

Speaker 2 (50:44):
Though?

Speaker 7 (50:44):
Okay, I thought it was It was unacceptable that he
did that, and he spewed his hate over the airways
and I don't like that. And I listened to you
guys every okay, okay, But what he was trying to
say is Trump has been lying and he's not correcting himself.
And even even Elon said in the White House that yes,

(51:05):
he's gonna he's gonna say things that aren't true and
that's just part of the system. There's been no money
sent to a Moss for condoms, zero zero zero, not
fifty million, not one hundred million, and Trump has not
corrected that. So until he corrects that, that means he's
lying to the American people to get a headline zero money.

(51:25):
And also there's been no.

Speaker 2 (51:27):
No I you know what's funny about this, I've never
heard about the condom thing to begin with, is this
widely publicized where they're saying that this was one.

Speaker 7 (51:37):
Okay, that's the biggest thing he said, and that's what
he keeps on saying again and again, and even yesterday
he said it again. One hundred million, zero dollars are
being sent to Hamas to begin with, and especially not
fifty million for condoms. For so him saying that is
to get people to lie to the American people. And

(51:57):
that's the fact.

Speaker 20 (51:58):
Mark.

Speaker 7 (51:59):
You might not like that, but that is not a
true statement, and that's not just mistakes Ralph.

Speaker 2 (52:05):
According according to Reuters, there's zero verifiable evidence that money
has been spent for condoms anywhere, not just Toomas and
there was no there there was no such program. Recent
claim surface regarding this, however, nothing. It's been debunked by
several fact checking organizations and not one dollar has been

(52:28):
traced to Hamas or anywhere for condoms.

Speaker 6 (52:35):
So how many of the how many of the prior
administration came out after the fact and said, yeah, you
know what, you're right, Joe really was completely out of
his mind and incapable of running the country and we
live about that and we're really sorry and we shouldn't
have done it, and we're going to do better going forward.
How many of them did that?

Speaker 7 (52:54):
So why doesn't Trump be bigger than that and say
I made a hun Come on, fake American people, you come.

Speaker 2 (53:00):
Yeah, but but John, John, I think Rolf has a point. No, Seriously,
when a president off the cuff, when a president makes
off the cuff comments, they're serious. When when he says, hey,
you know, we're tired of this waist. We're sending one
hundred million or billion or whatever whatever we're sending for
condoms in Gaza and it's not true. He should say
he most spoke. I mean, yeah, I agree.

Speaker 10 (53:21):
How did misspeak? In other words, how do you know
that he knew he misspoke? The guy says, whatever's on
his mind.

Speaker 7 (53:30):
Correct the record today then, because that's still the headline
is about condoms.

Speaker 10 (53:34):
Oh my god, it is a double standard. You're talking
on a double standard. Man. The Biden administration lied to
us about that sucker for so long.

Speaker 2 (53:43):
It's unbelievable about everything. They've lied to us about everything.
I mean, I'm still convinced. And I don't know if
you are. I don't know where you are politically. I
don't care.

Speaker 10 (53:54):
I just want to a hard guests.

Speaker 2 (53:56):
Do you believe well no, no, do you believe that
Biden received millions of dollars from communist China?

Speaker 14 (54:05):
I have no idea.

Speaker 16 (54:06):
Show what's the facts.

Speaker 7 (54:07):
There's no facts on that. But we're talking about this.
But you know something, he's not.

Speaker 2 (54:13):
The Princip's what's weird. We have That's what's weird. Can
you prove White House is that a man called Can
you prove that a man called Robert F. Kennedy is not?
It is real? Can you prove it? Have you had
do you have verifiable evidence?

Speaker 7 (54:31):
You're right, I guess we could go down this that
we're actually into simulization, but we could also just be
honest about this is their government waste, absolutely, So why
do they have to say things that are not true?
Like the condoms? This is their big selling point. It's
not about anything else, it's it's it's about the condoms
and about somebody who's.

Speaker 10 (54:50):
Got They called Trump hitler. They said we would never
have a democracy again. They lied every five seconds. And
you're getting stuck on this thing. And I bet we
find out we did spend a lot of money on
condom somewhere.

Speaker 2 (55:06):
That's the way it normally goes.

Speaker 10 (55:08):
How we spend money on tampon for the men's bathrooms.

Speaker 6 (55:13):
Yeah, it's kind of the way it goes. Though, is
that you have to you have to understand that, you know,
we have this this cycle over and over again, and
and it just gets ridiculous. We hear from Trump that
the trend de Aaragua issue is going on in Aurora
and it's terrible, And we listened to ten days straight
of Aurora and Denver telling them that that's completely wrong

(55:33):
and that's absolutely untrue, and it never happened, and everything else,
and that Trump's just a liar about all these issues.
And then lo and behold they just lock up fifty
of them, and and and it turns out yes they do,
and they're condemning the buildings, and every single bit of
that was true. So we just keep going in these
circles and stuff. I think you just need to lighten
up and not get hung up on this condom to

(55:55):
hamas thing in general, the concept is the same, and
we agree government and abuse is not acceptable and needs
to be rooted out. If it turns out that we
sent condoms to homage, that's wrong. If it turns out
that we didn't, that doesn't mean that we don't have
a problem.

Speaker 7 (56:12):
So you guys are supercritical. You guys are hypocritical, and
you know you are.

Speaker 6 (56:19):
It is it absolutely is, Ralph.

Speaker 2 (56:24):
I get what you're saying. You're saying if you misstate
and exaggerate, you should correct it. But I I got
to tell you that goes for everyone in politics. Man.
Have you ever heard Biden come out and say, by
the way, and then correct something. Have you ever heard
him ever? Yeah?

Speaker 7 (56:42):
And and the White House usually corrects and say he misspoke.
This White House doesn't say that. He doesn't say he didn't.

Speaker 6 (56:49):
He didn't mean it.

Speaker 7 (56:53):
It's not true. It's not true.

Speaker 9 (56:55):
This is true.

Speaker 10 (56:58):
Well, truth to man, everybody you know, for him, Ralph,
they didn't know what we can do. Hey, listen, man, Okay,
now now that he got the popular voted, still not
good enough for these Trump syndrome people. It'll never be
good enough. Ever, it doesn't matter. Trump could cure cancer
tomorrow and Ralph would complain about.

Speaker 2 (57:19):
Well, hold on, Ralph, may I ask you, Ralph, do
you think the country is on the wrong track?

Speaker 7 (57:26):
Absolutely? Absolutely? And guess what. I've been in there. Do
you think I've been in the state. Do you I've
been in the state for sixty one years? By the way, do.

Speaker 2 (57:34):
You think that under Biden the country was in it?
Do you think under Biden and the Democrats the country
was in a better trajectory?

Speaker 7 (57:43):
Absolutely? The economy was booming. The conomy has never been better.

Speaker 10 (57:47):
Ever, Trump's derangement right there, How do you, honest to god,
how do you argue I got to take a break?

Speaker 2 (57:53):
Hey, listen, Ralph, don't don't call me a hypocrite, and
don't say it, and let you have your say, okay,
three oh three seven one three talks seven on three
eight two five five. You know Denverregen dot com is
on my list for stem cell therapy and for hair regeneration.
They do a great job and I'll never forget how
they got me out of pain. They're really good. That's
one aspect that I want to keep harping on Denverregen dot com.

Speaker 6 (58:18):
Trankly what he was doing?

Speaker 10 (58:23):
Hi, Tom Martino, Hey Tom Shannon. Shannon found a SoundBite
from Trump. Listen to this man. This that Ralph, make
sure you're listening please.

Speaker 2 (58:33):
It's from a Musk right.

Speaker 21 (58:37):
This is big nus for one hundred and two undred
million dollars a year, serious, bunny, missus.

Speaker 3 (58:42):
Musk.

Speaker 18 (58:42):
You said on x that an example of the fruit
that you have cited was fifty million dollars of condoms
was sent to Gaza. But after fact check, this apparently
Gaza in Mozambique and the program was to protect.

Speaker 4 (58:58):
Them against HIV.

Speaker 18 (59:00):
So can you correct these statements. It wasn't sent to
hamas actually to us into Musambi, which makes sense why
condoms was sent there.

Speaker 17 (59:07):
And how can we make sure that.

Speaker 18 (59:09):
All the statements that you said were correct, so we
can't trust what you're saying.

Speaker 21 (59:13):
Well of courst well, some of the things that I
say will be incorrect and should be corrected. So nobody's
going to pad one thousands, I mean any you know,
we will make mistakes, but will act quickly to correct
any mistakes. So, you know, if the I'm not sure
we should be sending fifty million dollars with the condoms anywhere. Frankly,
I'm not sure that's something Americans would be really excited about.

(59:36):
And that's really an enormous nuber of contents when you
think about it. But you know, if it went to
Mozavika Setagauza, I'm like, Okay, that's not as bad, but still,
you know, why are we doing that?

Speaker 10 (59:47):
Well, how do you argue with that? They corrected it.
The actual reporter that went and did the leg work
to find out if it was real corrected them and
said it was fifty million to whatever country. She kept saying,
I've never and heard of it, But my god, I
don't care once again what country it is, unless if
it's our own country, Why the hell are we sending

(01:00:07):
fifty million dollars in condoms to whatever beach community is
talking about or whatever when we have people that fought
in Vietnam and other wars on our streets homeless.

Speaker 2 (01:00:20):
By the way, just so you know, okay, the pricing
on those condoms for the government, they bought one point
sixty seven billion condoms.

Speaker 10 (01:00:28):
Well that's impossible time because according to rolf in caller Tom,
they didn't even exist. It never happened. There was no condoms.

Speaker 2 (01:00:37):
They went to Mozambique, Adam and there were one billion
up one point six.

Speaker 10 (01:00:44):
I'd like Tom or Ralph please call back. And now
that you've heard that and you heard the reporter explain.

Speaker 6 (01:00:50):
This is exactly what happens every single time. You can
change one little minute fact and it's like, oh okay,
well maybe there was some truth in it. Yeah, but
the original.

Speaker 10 (01:01:00):
Thing was a lie.

Speaker 2 (01:01:00):
It was all lies. It's just a lie.

Speaker 6 (01:01:03):
But it's like, yeah, but they talk, let's.

Speaker 2 (01:01:05):
Do And by the way, people really problems, questions, complaints,
give us a call please three oh three seven to
one three talk seven one three eight two five five. Hey, Paul,
what is your comment?

Speaker 14 (01:01:17):
Yeah, I just wanted to comment on that person that
was on the phone this minute ago. Uh, Tom, I
guess it was Yeah, I only know a fairy tale
world this to living in. But the comedy was not
federal when Biden was in there.

Speaker 19 (01:01:30):
Period.

Speaker 9 (01:01:32):
I've been struggling every since.

Speaker 14 (01:01:33):
I'm making almost thirty bucks an hour and I'm still struggling.
You know, it's it's it's ridiculous. You can't talk to
these people. They're one side. You don't see their agenda.
Then it's not right period.

Speaker 10 (01:01:44):
They hate the fact they're gutting the government. The federal
government was never intended to be this big. We were
never intended the entire world.

Speaker 2 (01:01:55):
You have to admit Trump is not doing one thing
that he hasn't promised. I mean, it's not like it's
a surprise. He campaigned on these very issues. He campaigned
on every single issue he's doing. I mean, apparently the
people wanted it. I mean, look, he's got the highest
approval rating of of any recent presidents after election. You know,

(01:02:20):
look at what was one of the first things Biden did.
You remember one of the first major things he did.
The boy got into office.

Speaker 10 (01:02:26):
The first thing he did was opened it up. Then
they lied about it for four years.

Speaker 2 (01:02:31):
There was nothing things mark mark the border was one.
The shutdown of the pipeline causing massive layoffs was another,
and then the and then the withdrawal from Afghanistan that soldiers,
and then and then the that is the sloppiest withdrawal,

(01:02:52):
since I'm curious, Yellow, that is like the worst billions
of dollars, billions of.

Speaker 10 (01:02:59):
Dollars of equipment least spent and equipment left.

Speaker 2 (01:03:04):
But people would justify it. That's the thing. People will justify.

Speaker 10 (01:03:10):
Then he he left and right not long ago, saying
under his watch, not an American soldier died. I mean,
how do you say that after that whole withdrawal. But nope,
I didn't hear. I didn't hear wall for Tom talking
about that one.

Speaker 2 (01:03:23):
All right, Now, hold on real quick, John Fuller. I
got a text here, really seriously, they say that, I
tell them, Well, let me do this after the break.
I got this for John Fuller. After the break. I'm
going to talk about the communication thing right after this. Hi,
Tom Martino, your troubleshooter. Three zero three seven one three

(01:03:47):
Talk seven one three eight two five five Man Lively Show.
Today we got John Fuller with us, and I do
have a question John. I do say this in the ads.
I say, if you call John you can talk to
him before you asking questions, and then afterwards you get
a cell phone, you can call her text anytime. Somebody said,

(01:04:08):
what do I mean if you don't have a cell
phone up front and you give out the general number,
how do you get to talk to John? Is he
always available? Does he call you back? This was just
a very practical question. They call that three oh three,
five nine seven forty five hundred, So they say, I
want to talk to John, I mean, because obviously you're

(01:04:28):
not going to answer that phone, right John.

Speaker 6 (01:04:31):
Well, sometimes I do, but you know, as an example,
right now, I'm on the radio, so I'm not answering
the phone. If you call my office, you're going to
get my capable staff. But I am always available. And
if a client would you know, wants to visit with
me about their case, We're going to get on the
phone and chat. If if I need to give them
a call back after, you know, after the show or something,

(01:04:54):
I'll give them a call back. But it's not a secret.
My cell number is always available. I'm avail in the office.
But you know the point is that we are available.
My whole staff is available. We answer the phone, we
call people back, We rarely, actually rarely have to call
people back. We're there to answer the calls.

Speaker 10 (01:05:15):
So am I understanding if someone calls you at three am?
This is going to be cool.

Speaker 6 (01:05:21):
That's that's only you that does have marrow.

Speaker 2 (01:05:23):
Sorry, I am back in the you know he did.
I brought the bottom line you can ask to talk
to you.

Speaker 3 (01:05:34):
Yeah.

Speaker 10 (01:05:34):
I brought that up, Tom, because we did have a
listener call him at three am one time.

Speaker 2 (01:05:40):
Yeah, No, we didn't. We did. Yeah, Wow, was it important?

Speaker 3 (01:05:45):
John?

Speaker 6 (01:05:47):
I don't recall. You know, back many years ago, I
used to handle criminal defense cases as well. And you know,
my card has had my cell number on it for
twenty three years now, so there's a few of them
out there. But but those guys used to be the
ones that would call me at two or three in
the morning, and it usually they'd pick up the phone

(01:06:07):
they call, and then they'd set the phone down, so
I'd sit there and listen to the entire police interaction
over the phone. When I'd wake up the next morning
and listen to the to the message and stuff. So
it's quite humorous. But no, I don't get too many
calls after hours. Not bad after hours.

Speaker 2 (01:06:24):
That's scary. That really is scary. Now is Paul a
new caller? I thought I took him. Paul, you were
done with them? Tom, Well, Paul, are you done? Go ahead,
make your make your final points fall.

Speaker 14 (01:06:36):
Well, I just you know, I just like I said, Man,
we'll talk to people like you can't talk to people
like that. You know, one side didn't that's it. You
don't see then.

Speaker 9 (01:06:44):
It's not right scary.

Speaker 10 (01:06:45):
So I was just shocked here they were both so
wrong on the condoms, like they didn't exist at all.
And it comes to find out they one the guy
got the wrong country. Who cares? It wasn't right here
in the good old us of.

Speaker 14 (01:06:57):
A exactly like you said, dude, you know we got
vedrooms of stuff that are homes outside and don't worry
about other trumps. We could need to worry about ourselves first.

Speaker 10 (01:07:08):
Wish we shipped one of those to Raff's dad.

Speaker 2 (01:07:13):
Okay, now three O three seven one three talks seven
one three A two five five, taking all your calls, problems, questions, complaints. Truly,
we're having fun doing it too, So stick around for
the Troubleshooter show.

Speaker 3 (01:07:28):
Yeah, ripped.

Speaker 4 (01:07:34):
Bad news didn't need advice.

Speaker 7 (01:07:37):
So you don't have the.

Speaker 3 (01:07:40):
Come running just as fast.

Speaker 5 (01:07:41):
As we can.

Speaker 4 (01:07:43):
Trouble Shooter's gonna help.

Speaker 16 (01:07:45):
Come man, This is.

Speaker 5 (01:07:48):
The Troubleshooter Show. No Tom Martino.

Speaker 2 (01:07:53):
Hey, I'm Tom Martino, and I welcome you to the show.
This hour brought to you by one Clear Choice Garage Doors.
If you're looking for or great service new garage doors,
new openers, any part of the door, any part of
the opener, they do it all and their price on
one Clear Choice Garage Doors. All of their prices clearly
marked on the website. Chappie started this with full transparency

(01:08:14):
twenty four to seven service one Clear Choice Doors dot Com.
Somebody says you never give out that number, Tom, I'm
gonna give it out now. Seven to zero three seven
zero thirty nine eighty seven. I want to welcome John
Fuller with us Fuller Law, and we're talking about personal injury.
If you have any questions on that, we're talking about
any and all things you want to talk about. Really, So, John,

(01:08:38):
what is on your mind in general in your field
of expertise? Are there any changing laws? Anything you're seeing
abusive wise? Are you seeing any just really if you
you know so many times we have experts on and
we take calls and inquiries, but I just want to
ask you straight up, anything particular that you think people
need to know that maybe occurs all the time or whatever.

Speaker 6 (01:09:02):
You know, there are certain trends that just kind of
repeat themselves, and we go through phases with some of
these different companies out there. But one of the ones
that I've seen recently a lot of is these insurance
companies rushing out and trying to give offers to people
before they've even had a chance to consult with an
attorney and to try to settle their cases super fast

(01:09:24):
and for not that much money. And that's that doesn't
really happen all the time, but right now we seem
to have a lot of that. And so if you're
in that situation, do not accept an offer that literally
is like ten minutes after your accident.

Speaker 2 (01:09:41):
Okay, Okay, that's really good advice. Do you feel that
there are cases where they're simple enough that a consumer
can handle them and you tell them just do this
and see what they say.

Speaker 6 (01:09:58):
Well, I mean, you know, there are cases that we
don't accept because they don't require our assistance on them.
But if you're injured and you're getting treatment, and you've
got you know, you've got questions about which insurance companies
should be paying for things and what order they should
be paying. I mean, you're probably gonna be a lot
better off by having us on your side. But if

(01:10:19):
you're just you know, not injured, maybe you just had
one little trip to the Cairo or two or something
and you paid out of pocket, and it's just a
simple case all the way around, you might be okay,
but much more complicated than that, and it just opens
the door to problems that are gonna, you know, come
back to haunt you down the road.

Speaker 2 (01:10:40):
Okay, I got this text just now when we were talking.
Does John believe in no dash cams?

Speaker 3 (01:10:48):
Yes?

Speaker 6 (01:10:49):
John believes in dash cams. I don't think that should
be a secret to any of your listeners. I'm a
big believer in dash cams.

Speaker 3 (01:10:55):
You know.

Speaker 6 (01:10:55):
The one of the things that I hate more than anything,
And you know, and maybe it's a function of you know,
a lot of the police forces are spread pretty thin.
They don't have enough people working in them and they
just don't have time. But the thing that I hate
more than anything is when a cop comes out to
an accident scene, they get a he said, she said,
and they just throw up their hands and say, well,

(01:11:17):
the parties don't really agree, so I'm not going to
write a ticket, and we don't really know who's at fault.
And I can guarantee you that the cop not knowing
who's at fault means we're going to get a denial
from the insurance company. Happens every single time. So one
way to eliminate that confusion, absolutely one hundred percent is
to have that nice little dash cam up there taking

(01:11:39):
a full color picture of exactly what happened in your accident.
It can completely and it does frequently, completely eliminate disputed
liability cases.

Speaker 2 (01:11:50):
Okay, now, obviously it can also count against you if
you're an idiot, right I.

Speaker 6 (01:11:54):
Mean well, I mean listen, if you're at fault, you're
at fault. I mean, that's that's the reality. But if
you're not the worst thing in the world is to
have some guys say, man, I'm really sorry, and by
the time you get home, you get a call from
their insurance saying we want to get your information. We
understand that you were at fault for the accident. The
guy completely changed his tune by the time he spoke

(01:12:16):
to his own insurance company. Now from that moment on,
you have this battle where we have to we have
to fight about liability and many times there's nothing you
can do. On those cases.

Speaker 2 (01:12:28):
You know you're absolutely right. So in any case, what
I tell people all the evidence you can gather. I mean, obviously,
if you're in the right, which you know, you're not
going to seek legal help. If you don't think you're
in the right, if you think you screwed up, I mean,
then you have to get other kinds of help, and
your insurance should help you. But in any case, all

(01:12:50):
I mean cell phone people don't use their phones to
take pictures. They think they're weird, so they don't want
to do it. Dash cams are great, but the license
plate of the other I mean, there are people that
totally deny the encounter. Sometimes when authorities aren't called, they
literally deny the entire incident. I've had those cases. I mean,

(01:13:12):
it's crazy, okay.

Speaker 6 (01:13:14):
I mean that's why I tell people, and you know,
get out of the car, take a picture, you know,
take a picture of the other driver. Those cases do
happen where the other driver just flat denis that they
were even in the car.

Speaker 2 (01:13:27):
So cut off one person here, John, we have some
one person here who said they were driving down and
the RTD bus pulled out from its stop and never
look and smash them into an oncoming car and they
have injuries. Now, is is RTD self insured? How do
they deal with RTD?

Speaker 6 (01:13:49):
So that's a hard question because there's more than one RTD.
RTD itself is a government entity, and you're basically dealing
with you know, state dollars and governmental immunity and all
those issues. But we also have a private contractor that
does an awful lot of RTD bus operation and everything else,

(01:14:11):
and they have their own private insurance. So it depends
on who and which one of the RTD buses you
happen to get hit by or happen to, you know,
be involved with. But you know it six and one
half dozen, they're both. They get a lot of claims
tom as you can imagine. So they're not very easy
to deal with.

Speaker 2 (01:14:33):
Okay, But but for sure you need I mean you
they do have some kind of coverage, is what you're saying.

Speaker 6 (01:14:41):
I mean, absolutely, government there's coverage. Yeah, No, you do
have governmental immunity issues. If it's the UH, if it's
truly RTD that is a government you know, funded, owned,
operated program, and you do have governmental immunity.

Speaker 10 (01:14:57):
Issues that generally john that just per say, the driver
or the employee doesn't That doesn't stop the city or
whomever for paying out.

Speaker 6 (01:15:07):
Sure it does, Sure it does, it does. Yeah. So,
I mean, here's the way governmental immunity works. The basic
rule is we're immune unless we say that we're not immune.
And one of the things that they statutorily say they're
not immune for is car accident. But you still have
to go through the motions of giving the statutory notice

(01:15:28):
and all of the steps that you have to do
to preserve your case or you will lose it forever,
regardless of what the statutes say about them waving immunity.
So it just is an extra procedural hurdle that if
a person is not represented or they don't know, they
can easily miss that deadline and later find out that
they have no case at all.

Speaker 10 (01:15:48):
I guess more or less. What I was saying, though,
is with the exception of a snowplow in a car
park to where it shouldn't be or wherever, I mean,
generally speaking, if you get hit by an RTD bus,
and it's the bus's fault. If you get an attorney
and go through the hoops, you're going to end up
most likely getting paid. Correct.

Speaker 6 (01:16:08):
Yeah, but if you wanted to get in by a
cop or but.

Speaker 10 (01:16:11):
If your attorney or a cop or anybody, but if
your attorney wanted to actually go after that employee as well,
that's a whole different hurdle.

Speaker 6 (01:16:22):
Well, we do go after the employee. It's just that
that person is afforded coverage by being in the course
of scope of their employment. I guess we're always saying
you after the driver itself.

Speaker 10 (01:16:35):
But I'll put it two different ways. Let's say a
city worker, let's say an RTD bus driver, and let's
say just a private citizen that happens to be on
the job for whatever, driving some parts around to deliver.
So in either case, and let's say they were drinking.
Let's say the RTD bus guy was drinking and that

(01:16:56):
was proven and same with the other person, could you
go after that RTD bus driver for that aspect of it?

Speaker 6 (01:17:06):
Okay, So listen to me really carefully. In every single lawsuit,
we go after the actual driver, Okay, in every single lawsuit.
Sometimes we also go after a company under a separate
claim such as negligent entrustment or something like that. But

(01:17:28):
we always go after the driver because it's the driver
who was negligent got it. RTD itself didn't cause the accident.
I mean, they may be by policy or bad hire
or something, but that's a different deal. But we always
go after the driver, and that driver is indemnified by
the fact that they're operating within the course and scope

(01:17:48):
of their employment. So that's why we have RTD paying
for the damages caused by driver A, driver B, and
driver C. We will almost never anything directly from that driver.
That driver is going to be covered by their employer.

Speaker 2 (01:18:06):
Yeah, but that's the way it is with most people,
even when they have their own insurance.

Speaker 10 (01:18:10):
Well, I was thinking if Margie d was going to say, hey,
we're only going to pay out whatever two million dollars,
I'll just throw something out and you still wanted more.
Could you go after that driver individually because he was drinking,
but yet he's a uh state employee. I mean, could
you still go after him for his house, his assets?

Speaker 6 (01:18:32):
Most likely not mark You're You're you're going to end
up wanting to go after where the money is and
that's going to be with the employer and got it, you.

Speaker 2 (01:18:41):
Know, no, and that that moves that that goes right
into our next text. By the way, you got Mark,
Mark hit on it. Yeah, So I'll take this break
and then this text has to do with what Mark
asked about going after other parties. Three oh three seven
to one three eight two five five.

Speaker 3 (01:19:06):
Tom martinall.

Speaker 2 (01:19:10):
Three seven one three talk seven one three eight two
five five Ken, go ahead, Ken, what's going on?

Speaker 3 (01:19:19):
Yeah? Tom?

Speaker 17 (01:19:19):
Before Thanksgivin and you were talking about your back surgeon
and I was driving and couldn't write down who the
surgeon's name is and the practice.

Speaker 2 (01:19:27):
Yeah, just so you know, he's not the only one
that does it. Since it's been FDA he's one of
the first. But since it's been FDA approved, there are
a lot of really good surgeons that do it. But
my surgeon, I love him, and he is really doing
many of them is Joshua Beckman B E, C K,

(01:19:49):
M A N. And he's a he's at Saint A's
but he doesn't work well. He has a his practice
I believe is called neurosurgery. One doctor Joshua Beckman, and
he does the Uh, yeah, he does that one procedure
that I had done that of course TOP procedure, right,

(01:20:10):
Tom Yeah. Tops. Now, one thing, like I said, not
everyone is eligible for it, unfortunately, because you know one
of the yeah it's neurosurgery one dot com and but
one of the things is that it's not. It's just
not for everyone because people don't have the right structure
for it. But it's something to look into. Now. One

(01:20:32):
thing they have been doing, which is really amazing is
since the TOPS procedure, which is really an implant that
takes the place of your diseased facets and joints and disk,
it's only a proof for one level, meaning one level
at a time, not two levels together. So what they've

(01:20:53):
been doing people that had multiple problems, and this is ingenious,
they've been actually doing the fusion in the middle and
putting a top's device on the top and on the
bottom of the fusion for people that have big multi levels. Now,
the reason for that is, as you probably know if

(01:21:14):
you've looked into fusion there is fusions fail more than
they don't, and they fail because of what's called adjacent
disk disease where or adjacent facet disease where there's too
much pressure put on the back and there's no movement.
So by putting movement above and below the fusion, it

(01:21:34):
actually relieves the adjacent disk disease part of it. It's ingesting.
Now obviously what's yeah, Now the fusion then would not fail. Probably.
Now here's what would be best if they would just
the FDA I think they're going for it would do
multi levels of the of the tops because you could

(01:21:55):
literally just replace all of those facets period, just replace them.
But you have to have really good bone density and
stuff to do it. So I wish you the best. Man.
There's nothing more terra I shouldn't say there's nothing more terrible.
Back pain is very terrible, very terrible. Three oh three
seven one three talk seven one three eight two five five.
All right, John Fuller, we had that question that Mark

(01:22:18):
brought up. Somebody wanted to know. They say, Tom, you
always talk about ensuring what you're worth, because if if
if you're insured for fifteen grand, and they look at
your bank account or your house, or they do an
asset search, they may say, screw you, we're not taking
your insurance. We're gonna go after you. But does that
really happen does. I knew a couple who wanted to

(01:22:41):
save money again, and they were worth I know, they
were worth about five million dollars and they had state minimums,
and they got into an accident and the woman started
They won but for another reason, but they were coming
after the full monty and they they wouldn't take any
insurance settlement. And I told her, I said, look, you

(01:23:03):
underinsured yourself, and you're a very attractive target. And then
another personal injury attorney said, they hardly ever sue people personally.
What is your thought, what is your thought on that?

Speaker 6 (01:23:18):
Well, both of those things are true. I mean, so
here's kind of the you know, the test. We generally
just go after insurance money because it's the only money
that's there most of the time, you know, most most
people don't have twenty five or fifty thousand or one
hundred thousand or three hundred thousand or any of those

(01:23:38):
nice round you know dollar amounts, just sitting in the
bank and waiting if they you know, to see if
they cause an accident. But here's where it does come
back to bite you. So if you have you know
the means, and you choose to under insure by having,
say twenty five grand, even though you're a multi millionaire.

Speaker 2 (01:23:58):
Yeah, yeah, I take.

Speaker 6 (01:24:01):
When I get ready to take policy limits from a
company and I know that I'm fixing the go to
my client's uninsured motorists. The first thing we have to
do is get permission. And guess what they do. They
do an asset check on the defendant and they discover,
oh my goodness, they actually do have enough money to
satisfy a judgment, and they are voluntarily uninsured at that moment.

(01:24:24):
And this does happen. The uninsured motorists company will pony
up the amount of money that this person had an
insurance and they will go after them directly for the
entirety of the damages without paying a nickel out of
the un proceeds. So it does happen.

Speaker 2 (01:24:41):
They know that, So, John, But you, personally, or most
personal injury attorneys, you're telling me, no matter how attractive
the defendant, you would rather not go after them.

Speaker 6 (01:24:53):
Well, no, I'm going after them. But the insurance company
has more money than they do most of the time.

Speaker 2 (01:25:04):
You mean, so if they have okay, under in short
on insured coverage. So here's your deal.

Speaker 6 (01:25:11):
Let's say that Let's say that you incur, you know,
a ninety thousand dollars hospital bill, and you lost thirty
thousand dollars of wages and all this stuff, right, and
I want to go after you directly. And I look
at you and I go, okay, wait a second. We've
got one hundred thousand dollars insurance policy and maybe by
the time you're done, I've got two hundred thousand dollars

(01:25:32):
of damages. You know, what are you going to do here?
I can get a hundred from the insurance company and
that check clears the bank. Or I can go after
you directly and not take the hundred, because going after
you directly means I have to forego taking the hundred
because the only way the insurance company would give me
the hundred is if I sign a release that lets

(01:25:54):
your guy off the hook. So if I don't sign
that release and I go after you, direc I have
to be able to find liquid assets that I can
attach to that are in you know, in the vicinity
of that two hundred thousand dollars that we believe are
our damages are. Or I can take the hundred and
then go after the uninsured motor is you know coverage

(01:26:17):
that we have on our own clients policy. And perhaps
my client gets made whole out of both of those
insurance policies versus or spend.

Speaker 2 (01:26:26):
A year sign to collect money, or perhaps the UM
goes after the uh uh goes after the other party
because they say, look, yeah, we paid, but now we're
going to subrogate.

Speaker 6 (01:26:38):
Right, Well, they can't do that if you've signed a
complete release to get the underlying liability settlement. That's why
you have to get permission from the UM carrier. So
the UM carrier looks at it and says, Okay, we
think the guys appropriately insured and we're going to give
you permission to settle. Then they're going to be bound
by that same release. It's a complete release that lets

(01:26:58):
that guy out there okay, you know, okay God and
for all of the damages. So that's why there is
this permission component to go after you am.

Speaker 2 (01:27:08):
Now, John, I know it's a gamble, but we say
this to people all the time. Make sure you ensure
what you're worth, and you're kind of telling me if
you have some healthy insurance, you may not have every
And then also there has to be the loss itself.
So this one couple I was talking about, while they're
worth five million, and they only had fifteen thousand or whatever,

(01:27:29):
the twenty five thousand minimum, the actual damages of the
other driver. Actually we're not that bad. So you don't
go after money just because someone has it. You actually
have to have the loss, right.

Speaker 6 (01:27:39):
I mean, that's how saying actual damage is. You can't
go after somebodey for more than your damages are.

Speaker 2 (01:27:47):
Yeah, just because they're rich, exactly. But I guess what
I'm saying is are you saying then? And I'm not
trying to put you on the spot, but it's highly
unlikely that people are sued individually if they have a
healthy chunk of insurance.

Speaker 6 (01:28:05):
Once again, we always sue people individually. We we then
have to make a determination on whether it is better
and more strategically advantageous for our clients to take the
limits of their their auto insurance versus not taking that
money and trying to go after these people individually.

Speaker 2 (01:28:28):
You can't do both, Okay, got it? And you would
say most of the time, the insurance is the way
to go most of the time. Absolutely, Okay. Three three seven,
one three five. That's very telling, that's very I'm glad
you told me that because a lot of like I said,

(01:28:48):
I'm not telling people to underinsure themselves voluntarily, but perhaps
you know they don't have to exaggerate. Again, there's always
this theory that go ahead, John, want.

Speaker 6 (01:28:58):
Listen that that what's your what's your here's the weak
link in that, in that theory that oh, I can
just underinsurre and they're always going to take the insurance.
It's only true if there happens to be, you know,
a healthy UN policy out there, and the UN policy
decides that you didn't intentionally under insure. So there is

(01:29:20):
risk in not carrying enough insurance. I would never advocate
that somebody not carry a ton of insurance, but for
for for different reasons. My main reason is because I
want to be able to get as much UM coverage
as I can to protect me and the occupants of
my car in the event that somebody who's uninsured or
who has that crappy insurance causes the accident. But no,

(01:29:44):
I would never suggest that you intentionally under insured. That's
just crazy.

Speaker 16 (01:29:48):
No.

Speaker 2 (01:29:48):
No, yeah, three oh three seven, one three eight two
five five. By the way, Frank durand the real estate
Man dot Com I love Frank Man. He's a great
person for buying or selling. But I also think you
can rely on him no charge for a market analysis
to see what your home will sell for, without listing
and without obligation. Three oh three nine two zero sixteen

(01:30:12):
twenty two Frank three in the real Estate man dot com.
Hey Tom Martino here at three oh three seven one
three talk seven one three eight two five five. All right,
So I wanted to talk to John about this other

(01:30:33):
uh text we got as far as they're if they're
involved in an activity with their car, like voluntarily, like
motocross or something like that, or they have a hot
car and they're they're racing it or they're having they're
out of track, Are they liable for injuries they cause others?

(01:30:56):
Or is that a higher risk assessment where people you know,
should respect that or I imagine a lot has to
do with what the participants sign when they participate.

Speaker 6 (01:31:07):
What do you think, John, I think it has a
lot more to do with whether the insurance company knows
that they're ensuring you for that risk. So many policies
will exclude activities like that. Certainly, if it was something
illegal that that that may very well not be covered
by any insurance policy.

Speaker 2 (01:31:31):
Okay, and you're you're screwed. I mean basically. But as
far as if people sign agreements and I've both often
asked you about this, disclaimers or what do you call them? Waivers?
Are they did they hold up? Yeah?

Speaker 6 (01:31:48):
They do, they sure do. So there's two different kinds
of waivers that come into play. Tom One is for
you know, simple negligence, which is, you know, making a mistake, Okay,
nothing intentional, just just a mistake, acting in a way
that you know that that you should have known that

(01:32:11):
something bad could happen, and something bad, My gosh, that's
simple negligence. Those are going to be enforced every day
of the week. Where where you run into problems is
sometimes waivers are worded in a way that they actually
include things like reckless conduct and intentional conduct and gross
negligents and you see it written a bunch of different ways.

(01:32:32):
Those courts are much less likely to enforce. It comes
down to the the the activity itself, how necessary it is.
So the famous case on it is, you know, a
waiver that somebody had to signed to get propane put
into the tank at their house, and the court ruled
that that's so necessary because the alternative is your house

(01:32:54):
freezes and you you know, you have no heat that
that you know, there's a different analysis in terms of
enforcing an agreement than for a recreational activity that you
certainly don't have to do. So the courts will enforce them,
but much less so with gross negligents and words.

Speaker 2 (01:33:12):
Like that, okay, we get it. Okay. So basically though,
the messages on waivers in general, you have to not
just have them to protect you if you do something,
if you're conducting something that could be risky, but you
have to watch what you sign as a participant. But

(01:33:34):
I was always told that even if you sign a waiver,
gross negligence is never overlooked. Is that right?

Speaker 6 (01:33:45):
Well, I've seen plenty of waivers where gross negligence is waived.
The question is whether or not the courts are going
to enforce that. Okay, got it. Got But they're written
in a way that says, we wave everything under the sun.
Any theory you could ever come up with. You've waived it,
you know, But the issue whether it's going to be enforced.

(01:34:07):
I'll tell you something else that people need to be
aware of is that you know, there are many activities
that you can that you can do. I'm thinking of
a you know, a little I don't want to say
the name of the company, but a little activity in
the mountains where you you sign up and then go
for a ride on a particular conveyance and and just

(01:34:28):
signing up, they make you click through a screen on
the internet to where you agree to the terms of
their waiver. And and let me tell you, that's enforceable.
So don't think that those screens that you just click yes, yes, yes,
yes yes, crew on the internet aren't ultimately going to
come back to haunt you in the event that something
bad happens, because I promise you they will and they'll

(01:34:50):
be enforced.

Speaker 2 (01:34:52):
You know what. That's really good advice. Okay, we have
more coming up on The Troubleshooter Show three oh three,
seven to one to three talks seven to one, three eight,
two five, five.

Speaker 1 (01:35:02):
Yeah, ripped off bad news.

Speaker 4 (01:35:10):
The need advice, so you don't have.

Speaker 3 (01:35:14):
You'll come running just as fast as we can.

Speaker 4 (01:35:18):
Show Shooter's gonna help come.

Speaker 3 (01:35:21):
Man, This is.

Speaker 5 (01:35:22):
The Troubleshooter Show now, Tom Martinez, welcome, Welcome.

Speaker 10 (01:35:28):
My friends to the only show. It's kind' here to
solve problems, answer questions, take complaints. I'll tell you something,
this show's been a little different. We kind of dived
into politics. I got some thoughts on that in a second.
But really what we do is we try to recoup
money for you. Over three hundred million dollars. Listen to that,
three hundred million dollars in cash, merchandise exchanges, refund services.

(01:35:52):
I think you get the idea. We help. We help
get money back from bad contractors. We help get problems
solved like bad LAMB. It can't seem to fix a
furnace for you. If you're living in the cold, you
pretty much name it. We do it. In fact, someone
told me, Bo, do you have an actual update? Did
I hear that? I actually have an update? After a week,

(01:36:14):
Deputy Bo's got an update. Here's how things work on
this show. If you're new to it, you call up
generally if we can't solve it right now, we get
either a referral list member on a referral list dot Com,
one of our experts, whether that's an attorney like John
Fuller by the way, that is joining me today for
this hour. And we also have Deputy Doc. But we'll
get an expert on and then if we have to

(01:36:35):
go a step further, we will assign one of our
deputies to help work through the problem. What was the
initial problem? By the way, I always forget this three
zero three seven one three eight two five five. We
do have a couple lines open right now, and I
promise I'm going to go back to you, Pam in
a second and recap that so I can get involved
in at three oh three seven one three eight two

(01:36:57):
five five. I want to hear from you now, any
problem you got bo What was the initial call?

Speaker 11 (01:37:02):
So Scott called in I believe at the ten o'clock
hour this morning. He had a contractor by the name
of Comfort Works install a Mitsubishi heat pump back in
November of twenty twenty three, and last year the unit
froze up and he couldn't get any heat out of

(01:37:24):
the thing, and with this recent very very cold weather
it froze up again.

Speaker 10 (01:37:30):
No, this heat pump is basically his furnace, of course.

Speaker 11 (01:37:33):
Yeah, it's it's doing both things, heating and cooling.

Speaker 10 (01:37:37):
Is it a mini split system.

Speaker 11 (01:37:39):
It's a yeah, it's a heat heat pump mini split Yes,
it does both things.

Speaker 10 (01:37:43):
Very familiar. Those are some of the best things out there.
In fact, they'll save you a ton of money. But
when it was really cold, it wasn't heating.

Speaker 11 (01:37:50):
No, because I believe this particular model didn't have supplemental heat.
Some of these heat pumps are good, but because when
it gets below zero at zero, they just don't work well.

Speaker 10 (01:38:00):
So the ones on r just to give people an
idea how heat pumps work. We have a Susanna and
I have an all electric coach in RV, so when
we plug it in, our AC units are also heat pumps.
But just like Bo saying, if it gets down twenty
five degrees or so, they don't work very well at all,
so we end up burning diesel in our insta heat,

(01:38:23):
which gives us you know, it gives us fire, it
gives us real heat. But if it's around forty to
fifty degrees, those heat pumps were great to get it
up to you know, sixty five seventy wherever you want
to set it and.

Speaker 11 (01:38:35):
Mark, they're very effashiout.

Speaker 22 (01:38:36):
Could you explain to us the difference between a furnace
and a heat pump?

Speaker 10 (01:38:41):
So well, Boat did this forever? I mean, the furnace
is usually natural gas or it's going to be runoff propane.

Speaker 11 (01:38:48):
Yeah, furnaces gas fire dusts where you get the heat,
whereas a heat pump. To make it simple, it's actually
an air conditioner working in reverse.

Speaker 10 (01:38:56):
And it's electric generally yeah.

Speaker 11 (01:38:58):
Generally electric in an Aggtually, the free on or the
refrigerant actually captures the heat outside and through this superheat
and cooling, it transfers that heat back into the house
where you're not using natural gags.

Speaker 10 (01:39:13):
And what we're really crazy about it. You think, okay,
if it's twenty degrees out, how does it get heat. Well,
there's always heat in the air.

Speaker 11 (01:39:19):
It's like in the ground like geothermal, you know that's freezing,
but there's always some sort of heat yep, that they
can capture. So anyway, back to Scott, he called this
contractor at four to five times to get up to
come out. They were blowing him off.

Speaker 2 (01:39:34):
Who was it?

Speaker 10 (01:39:35):
Who was the contract company?

Speaker 11 (01:39:36):
Is called Comfort Works Got a Fouler Colorado.

Speaker 10 (01:39:40):
And that's Comfort Works with an X. Got a KS
got it?

Speaker 11 (01:39:44):
So that's right, has an X. So I called them
three times during the breaks. They didn't call me back.

Speaker 10 (01:39:50):
When did this come in?

Speaker 11 (01:39:51):
It came in at ten o'clock this morning.

Speaker 10 (01:39:53):
Wow, okay, So you called him back three times.

Speaker 11 (01:39:55):
I called back three times. I left a very detailed message.
I left them the I don't number the unit, and
I also called my Mitsubishie supplier in Denver asked him
about the unit, and there is you can't buy a
supplemental heat strip to make the thing, make it work nice. So, uh,
Scott called me about twenty minutes ago, and he was

(01:40:18):
very thankful. He says, Bo, this contractor called me about
this about an hour ago, and he says, well, we apologize.
We're gonna get out to his house. We're gonna we're
gonna find out why the unit is freezing up. And
if they have to, they will install this electric supplemental

(01:40:40):
heater into his Mitchbisi unit.

Speaker 10 (01:40:42):
And they're gonna do it no costs.

Speaker 11 (01:40:44):
They're gonna do it. Hopefully, they're gonna do it at
no costs.

Speaker 3 (01:40:46):
I love it.

Speaker 10 (01:40:47):
Well, even if he asked if he didn't pay for
it before, long as they cut him a good deal.
Don't charge an right way if.

Speaker 11 (01:40:52):
It's something that the contractor missed an installation. If this
electric heater, supplemental heat strip is not in.

Speaker 10 (01:40:58):
So it should have been their period. It should have
been there, so there shouldn't be a cost. It's great
they finally got in contact, though, Yeah, leaving messages left
and right only.

Speaker 11 (01:41:08):
Because the Troubleshooter show. That's my reason why he called
him back. Yeah, Scott's the kind of things.

Speaker 10 (01:41:15):
I don't even know how you put a dollar amount
on it. Maybe if he called up I don't know,
Joe Blow and had to add it because his contractor
was out of business, what do you think it would be?
Five hundred one thousand. I don't know how much for
the service, call, the labor, the heats.

Speaker 11 (01:41:28):
It's it's out. In fact, it's I forget. He lives
in a town called Onny Springs. I don't even know
where that is.

Speaker 10 (01:41:34):
You know what, good Jombo.

Speaker 11 (01:41:36):
He's gonna get it done. He's gonna get some heat
and he can maybe return those supplemental strip eaters he
bought at Target back.

Speaker 3 (01:41:41):
Yeah.

Speaker 10 (01:41:42):
Hey, John Fuller Fuller Law, how are you doing?

Speaker 3 (01:41:44):
Man?

Speaker 6 (01:41:45):
Marvelous? Marvelous, marvelous?

Speaker 10 (01:41:47):
Hey are you We were we were talking last hour
and Pam, I promise I'm going to get back to you.
Three oh three seven one three a two five five.
We're trying to get someone on, Pam. Pam, I'm sorry
about that about your social security question. So hopefully we'll
get this expert on in a minute. I was thinking
about how I went after what was that guy's name, Ralph,

(01:42:09):
Ralph Ruff. Yeah, so him and Tom called up. We
were talking about Doze and basically he started in Trump's
a liar. For example, there never was fifty million, fifty
nine million dollars or whatever it is worth of condom
sent to the Gaza strip or sent to Afghanistan or wherever.
And basically what happened is, yeah, we were right, there

(01:42:31):
was that amount, but Trump said it went to what
did Trump say? I went to Gaza? Do you guys
remember Hamas or something like that. But to come back
on it, it didn't. It went to a different country,
whatever country. But still the fact was fifty nine million
or fifty million, whatever it is. And you can hear
Elon actually talk about where they actually went, and he apologized, Okay,

(01:42:54):
I got the wrong country. I'm not going to be perfect,
but you know what, we're finding stuff everywhere. Not everything
is going to be perfect, but feel free to ask
me and I'll clarify when I need to clarify. I
mean it was very straightforward, but really the whole thing
was about the wasteful spending. It doesn't matter what country
it went to. But I started thinking I was probably

(01:43:16):
a little too hard on him, and I'll tell you why,
because the first part of the Trump administration, going back
pre COVID, it was tough, man. I mean, the lefties
were absolutely crazy. Even what i'd call somewhat moderate Democrats
went absolutely nuts with Trump syndrome. And now he's back.

(01:43:37):
Now he's got a path. He's moving so fast. I
think it's freaking people out. John. I think he's moving
it to speed a light. And I think it's actually
by design. He's kind of creating chaos. So you know,
he's not going to do one thing, wait for them
to bitch, wait for him to take it to court,
and wait for different things. So I think he is

(01:43:58):
trying to create a l lot of things going on
at one time for a true purpose. But honestly, and
here's what I want to ask you as an attorney.
Of course, you're my personal injury attorney, and you know
a lot of callers use you, and I'm not asking
in your realm of law, but in general, in general,
it drives me insane when people either side of the

(01:44:22):
aisle go to a judge that is obviously very liberal
or very conservative on something that I don't think a
judge has any business being involved. And I'll give you
an idea one that it just went down Trump being
the chief, the chief man, the man, the mac daddy.

(01:44:43):
He runs the federal government, and he decided he wants
to cut a lot of jobs. I don't care what
department or anything. That's up to him. If he wants
to ask somebody if they want eight months up front
if they retire now, and then he warned them, also
might get fired if you don't take it, because we

(01:45:03):
might be cutting jobs. Simple as that. So people run
off to a judge and say, hey, he can't do that,
and then, of course, you know, it had to go
a couple weeks. Finally it hit an appeals process and
the judge basically said, yeah, of course he can go
ahead and make an offer. These are his employees. But
give me some rational understanding of knowing the legal system

(01:45:28):
from a judge's standpoint, Why why any of that makes
any sense? Why why can a judge even stop something
like that.

Speaker 6 (01:45:36):
John, Well, so that's a tough question. I mean, here,
here's the thing. That the agenda is to stop everything
at all costs. And so there are legions of attorneys
in all fifty states that are raring to go on
every little, you know, everything executive order that he could sign.

(01:46:00):
And and you know, the attorney general in Colorado is
no exception. I mean he's been I believe, on every
single one of these lawsuits and and they've been prepared
to file these lawsuits for weeks and weeks and weeks
since the you know, since the election happened. It's nothing
more than an attempt to slow the role of the

(01:46:21):
Trump had been.

Speaker 10 (01:46:22):
And that's that's that's I agree everything you said, and
I wanted you and hoped that you would answer that way.
And then the question becomes this, and I'm going to
let you think about it during the break. Why did
he not just enforce what he said, knowing when it
finally gets to an appeal, even if it has to

(01:46:44):
be appealed all the way up? What would the ramifications
and I don't mean public ramifications. Maybe this is truly
what people would call a constitutional crisis, but what would
happen if Trump and everybody, everybody in his work world said, listen,
a judge simply can't stop this. This judge is absolutely

(01:47:05):
looney tunes. There's no way to do it. So he
just he goes ahead and fires people or says, Okay,
we're done. Uh, we're not gonna We're not gonna stop
the offer right now. I don't care what the judge says.
We're gonna move forward. But hold your thoughts on that
because I got to take this. But that's kind of
where I'm going with this, like who's right Who's wrong?

(01:47:25):
If eventually John something is going to be overturned and
someone doesn't follow it, what happens, all right? Three oh
three seven one three A two five five. By the way,
join us on YouTube dot com and look up Troubleshooter Network.
You can hear us during the break. I put polls
up all the time, And what I mean by that

(01:47:47):
is like I just put a pull up. Was I
too hard on rolf on one of the comments I made?
And I was curious what our YouTube listeners thought of it.
I'm gonna get it back up in a second, but
it auto tried to correct it because the guy's name
is r Alf Right people.

Speaker 9 (01:48:04):
R l s.

Speaker 10 (01:48:05):
I don't get that right, rol S, that's right, Mark.
But anyhow, it messed it up. So anyhow I'll get
that pullback up, but join us. I always love knowing
if I was too hard on the guy he said
the condoms basically went U. The condoms actually, John, he
said the condoms didn't even exist, right.

Speaker 6 (01:48:25):
He did say he said, we have a you know,
the government hasn't bought any none have been distributed. It's
not five million, five hundred, it's not even five he
said it was none.

Speaker 10 (01:48:34):
Yeah, and it turned out it was fifty million, but
it wasn't too hamas they went to some other country.
And I made the comment because I was a little snarky.
I made the comment, I wish we sent some condoms
to his dad back in the day. So I just
wanted to know if that if I was going a
little overboard there. But man, listen, I got called a racist.

(01:48:55):
What was that two weeks ago because they shy said,
and I'm glad USAID is getting shut down. And this
guy actually emailed the station saying, you got to take
that guy off the air because I'm glad they're saving
money when they were talking about all the money going
out of there, and it's like, okay, okay, So what

(01:49:16):
happens is I get so worked up because these these crazy,
crazy left liberals, crazy left liberals, so I somehow take
that out. I probably shouldn't have told Ralph that is,
I wished his dad received economy. I probably shouldn't have
done that. Hey, Pam, what's going on with you? Pam?

Speaker 16 (01:49:40):
Yeah?

Speaker 10 (01:49:41):
How are you? Pam? I'm I'm kind of taking I'm
taking over on this call, so I'd like to know
what the original question is. So everybody's on the same page.

Speaker 9 (01:49:50):
Okay, I have been retired since September of twenty twenty one,
which means I have been paying it my medic care
since that day. It's automatic to pull out of my
check before I get my checked.

Speaker 10 (01:50:06):
And how long have you been paying for it? I'm
sorry the medicare.

Speaker 9 (01:50:11):
That's the September of twenty twenty one.

Speaker 10 (01:50:14):
Okay, so you turned a certain age and boom they
start taking it out of your Social Security correct correct? Yeah,
that's that's so far. All pretty normal. So what's going on?

Speaker 16 (01:50:26):
Right?

Speaker 9 (01:50:27):
So then I started doctoring for a hip replacement in
October of twenty four, Okay, and found out that I
didn't have Medicare party Okay, doctors.

Speaker 10 (01:50:43):
Told me so. So I understand that so far, this
is perfect for John Jones. No matter how we listening,
I'm waiting for him to call in. Yeah, John, call in.
He's usually listening to the show. So, but go ahead,
And when did all this go down? By the way, like,
when did you find doubt you didn't have Medicare Part B.

Speaker 9 (01:51:03):
In October?

Speaker 22 (01:51:07):
Hey, pam to the amount of your Social Security checks
change at any point?

Speaker 21 (01:51:13):
No?

Speaker 22 (01:51:14):
Well, then they were taking out from Medicare Part B obviously.

Speaker 10 (01:51:19):
Well why would the doctor say there was no Medicare.

Speaker 22 (01:51:22):
Because he probably you know, the staff could have met
a clericallera. The best thing to do is to go
down to this Social Security office in person.

Speaker 10 (01:51:31):
Well, first of all, how do we know she doesn't
have advantage? For example? I don't, okay, So what is
the doctor telling you?

Speaker 2 (01:51:39):
Though?

Speaker 10 (01:51:40):
So, Doc, what you're saying is if they're taking money
out of her check, it's got to be Part B.

Speaker 22 (01:51:45):
Yeah, but it's been the same since she started.

Speaker 10 (01:51:50):
Do you know if you have Part B or not?
I mean that seems it would seem to me like
you would know. But do you know, Pam buy.

Speaker 9 (01:51:57):
The hope for a fact that I do not have it?

Speaker 10 (01:51:59):
Okay, so you do not have Part B. So let's
just let's just say that's written in Stone. Now what.

Speaker 9 (01:52:06):
And Social Security. I just got a letter from Social
Security in Santuary verifying that I do have Part B,
but social Security will not communicate with Medicare.

Speaker 10 (01:52:20):
Well, that thing we just wrote in Stone sure change
pretty quick. So you do have Part B, but you've
but the doctor's saying you don't. So now I'm going
to go back to exactly what Doc was saying. Doc
saying you need to make an appointment with Social Security. Actually, Doc,
at this point, Social Security is saying she does have

(01:52:40):
Part B. So I don't know what good she's going
to go going to so Security. It's got to be
the doctor she's got to deal with.

Speaker 9 (01:52:48):
No, I've been Social Security in offices, talked to hold
on a second.

Speaker 10 (01:52:53):
Hey, hey, John Jones, John Jones and Tiger Insurance, what
are you making of this right here?

Speaker 20 (01:53:01):
Gonna ask quick questions?

Speaker 10 (01:53:02):
Yeah, go ahead, she's on the person you're talking with. Damn,
her name is How much are they?

Speaker 20 (01:53:07):
Yeah? How much are they withdrawing out of her Social Security.

Speaker 2 (01:53:11):
Check each month?

Speaker 9 (01:53:13):
Well, that's your dollars.

Speaker 14 (01:53:17):
There you go.

Speaker 20 (01:53:17):
She has her Medicare Part B.

Speaker 10 (01:53:19):
Then okay, now the next question is her doctor? Her
hip doctor told you exactly what. Go ahead?

Speaker 9 (01:53:28):
Now if you talk to Medicare, Medicare little thing I
do not have play.

Speaker 10 (01:53:34):
So how would that? How is that? John? Is it
even possible? Because I assume the one hundred and eighty
five is basically for everybody or almost everybody, I should say,
getting pulled out of their Social Security check each month
for Part B. The number lines up. That's why you asked, right,
that's correct. So if that lines up, it's obvious she's

(01:53:55):
been paying for it. Have you ever seen a case
where Social Secure he is taking the money out, but
Medicare has no idea? She has Part B.

Speaker 20 (01:54:07):
She could clarify that real quick without going to Social Security.
If I could give her a quick phone number, Mark,
would that be out cut?

Speaker 10 (01:54:14):
I'd love for you to do it. Who is it for?

Speaker 2 (01:54:16):
Though?

Speaker 10 (01:54:16):
Kind of tell everybody listening what it's about.

Speaker 20 (01:54:18):
It's actually it's actually the NAE wand number for Medicare.

Speaker 10 (01:54:22):
Oh, go ahead, go ahead, John, give it out that
you can talk.

Speaker 20 (01:54:29):
It's one ice, You've done it.

Speaker 10 (01:54:32):
Okay, Pam. Yeah, it's a give and take here, so
hold on because other people are listening. I want him
to give the phone number out, then he can give
instructions and we'll kind of hear what you were going
to say.

Speaker 20 (01:54:42):
Go ahead, Okay, it's eight hundred six three three four
two two seven.

Speaker 10 (01:54:48):
Now, John, I think what Pam's gonna say, but I'm
going to let her say it. You have tried calling
that numerous times?

Speaker 3 (01:54:54):
Or what?

Speaker 9 (01:54:56):
I have been on three way call with Medicare security
of me many times.

Speaker 10 (01:55:02):
And what happens? Who? Who acknowledges there's a problem? Does anybody?

Speaker 14 (01:55:07):
Or do?

Speaker 10 (01:55:08):
They both say there is no problem?

Speaker 9 (01:55:12):
Medicare social Security is not talking to them, and Social
Security has no idea of why my Medicare party is
taking away from me. But they set letters to the
payment processing center for Social Security, but nothing's happening with it.

(01:55:33):
I cannot get a reinstated.

Speaker 10 (01:55:37):
John, What do you? What do you make of all this?
At this point?

Speaker 3 (01:55:42):
Now?

Speaker 20 (01:55:42):
I was thinking what Doc was saying too, to go
down the local Social Security office. But Pam, if I
may ask you this too, when you go to see
the doctor, and that doctor obviously builds Medicare. Correct, Yes,
for those bill If he works on Medicare assignment, he

(01:56:03):
those bills can go directly into Medicare. Is the doctor
coming back and saying he's not being paid by Medicare, Well, I.

Speaker 9 (01:56:13):
Have because I just had the surgery then last week.

Speaker 10 (01:56:16):
Oh so the surgery's done and over. They're just trying
to get paid.

Speaker 9 (01:56:22):
Well, I'm trying to get my part be back because
I have party was with a hospital that took care
of the surgery. But he has to take care of
all of these.

Speaker 10 (01:56:34):
Yeah, the medications and the follow up visits and everything else.

Speaker 2 (01:56:38):
Yeah.

Speaker 10 (01:56:39):
John, So you're saying we'll circle back to what doc said.
Is what you're saying right now.

Speaker 20 (01:56:45):
Let me let me ask her to were you in
the hospital for the surgery or was it outpatient surgery?

Speaker 9 (01:56:51):
It was outpatient surgery, but I ended back in the
hospital two days later.

Speaker 20 (01:56:57):
Okay, off, So the surgery and everything, then he's going
to be covered under your Medicare Part B if it
was out patient surgery, if I had, yeah, well obviously
you do.

Speaker 10 (01:57:11):
That's the whole thing. It is obvious you've been paying
for it and eventually, I mean, they're going to see it.

Speaker 22 (01:57:16):
But as will say something, I have never performed the surgery,
thousands of them without first getting authorization from the insurance company.

Speaker 10 (01:57:27):
So but she had the surgery.

Speaker 22 (01:57:29):
But the doctor, he would not perform the surgery without
getting pre authorization from Medicare.

Speaker 11 (01:57:36):
So obviously he was.

Speaker 3 (01:57:38):
He was.

Speaker 22 (01:57:38):
It was pre authorized, which means she had to have Medicare.

Speaker 10 (01:57:41):
There's there's no problem with the cost of the surgery.
It was paid. It's the medication afterwards and the follow
ups where the Part b's coming in.

Speaker 20 (01:57:52):
No, you don't have to you don't have to pre
author If i'm if, I might make a suggestion pay them. Also,
would your doctors obviously probably haven't even sent the bill
into Medicare yet. I just tell them, or you can
take it down to the office, however you want to
do it. You can see right now I'm paying for
my Medicare Part B. I need you to send the

(01:58:15):
bills to Medicare.

Speaker 10 (01:58:16):
It's crazy, she's in this loop. I find it so
hard to believe.

Speaker 13 (01:58:22):
Well, when I hear from security in which are you
You're not on Medicare advantage?

Speaker 20 (01:58:29):
You do have a Medicare supplement.

Speaker 10 (01:58:31):
I asked her that. I asked her that, And which plan.

Speaker 2 (01:58:37):
Are you on there?

Speaker 16 (01:58:39):
Gee?

Speaker 8 (01:58:42):
G yep, yep, yeah, Okay.

Speaker 20 (01:58:45):
The only thing after all this surgery, the only thing
you should have to worry about being out of pocket
this year is two hundred and fifty four dollars.

Speaker 10 (01:58:52):
Yeah, that's it. On g right, yep.

Speaker 20 (01:58:55):
Yeah, your Medicare part be deductible. Everything should be covered.

Speaker 10 (01:58:59):
Yeah, and you got proof you're paying for it.

Speaker 9 (01:59:04):
I understand the Medicure says they won't even accept the
bills because they say, I don't have party.

Speaker 10 (01:59:11):
Oh my god, I gotta put this on hold. Hold on,
I don't This is one if anybody out there has
found themselves in this loop. I believe what she's saying.
Social Security, John, hold on, I gotta take this.

Speaker 5 (01:59:29):
You know.

Speaker 10 (01:59:30):
I got to apologize for anybody that's driven off the
road or committed suicide on this last call. It's one
of these things that is so frustrating. I have a caller, Pam,
and I'm going to bring her up and here's the
bottom line, and I believe her. Social Security is taking
out the money for Part B every month one hundred
and eighty five Bucks and they've been taking out for
Part B since two thousand and one. She had hip

(01:59:51):
surgery done. Now she needs follow up care, medication, whatever
that looks like. But when she goes to the doctor,
they try to build Medicare and they're you don't have
Part B, correct, Pam. Then on top of that, she
has had Medicare and Social Security on the phone a
three way call, and they all agree there's a problem.

(02:00:12):
They're not talking to each other in other words, Pam,
and please correct me if I'm wrong. But social Security
is saying we are taking the money out for a
Part B, and Medicare is saying we don't show that
you don't have Part.

Speaker 7 (02:00:24):
B, right, correct?

Speaker 10 (02:00:26):
Okay, We're going to go back to what doc said.
And I talked to John Jones during the break, and
I'm going to pull him up one more time. But John,
go ahead and tell me what you told me during
the break. I mean, we've got all the facts straight
long as Pam's not crazy, you know, and as long
as she's not crazy or lying, which I don't think
is a case. Who the hell would lie about this?

(02:00:46):
What does she do at this point?

Speaker 20 (02:00:49):
And Pam, I'm think you know what doc originally said
I'd recommend go down the local Social Security office set
an appointment.

Speaker 9 (02:00:57):
I'm going and they can help me.

Speaker 10 (02:01:02):
Okay, Well, I swear to God, I don't now. Now
I'm getting to the point, Pam, it doesn't matter. You've
done everything. So let me ask you this. Have you
called a congressman, know, called the attorney jutant? Okay? And
what did the Attorney general say?

Speaker 19 (02:01:18):
They get me?

Speaker 9 (02:01:20):
Called me to call the fraud hotline?

Speaker 10 (02:01:22):
The fraud hotline? Why the fraud hotline? Mark, I don't know.
I'm jumping straight down. I'm jumping straight down.

Speaker 2 (02:01:28):
Around right, I'll try to reach out to public relations
with Medicare and take a stab out here.

Speaker 10 (02:01:33):
You know who else might just might And Pam, I
hate to keep saying this, but I'm almost wondering if
we're missing something like here's an example, like you haven't
done some of the things you've said. I think the
problem's truly there. But let me bring this back to
reality real quick, Pam, what right now besides them telling
you you don't have Part B, do you have a

(02:01:54):
collection agency coming off from you? Do you have a
doctor refusing to give you follow up care? Can you
not get a medication. Where are we right now in this.

Speaker 9 (02:02:06):
The only place I am just trying to get it reinstated?

Speaker 2 (02:02:10):
What?

Speaker 10 (02:02:10):
But Sam, I'm going to ask you the question again.
Forget about it. If if, if I don't even have
to put this, someone help me. What is the problem
right now? Once again, the doctor won't help you anymore.
You can't get medication? What? What is the actual problem?

Speaker 9 (02:02:29):
The only the only problem I have right now? Well,
I almost got refuse surgery, but you didn't.

Speaker 10 (02:02:36):
You didn't, So keep going.

Speaker 9 (02:02:39):
The only problem I have is that I cannot if
I'm at jere Park be you reinstated.

Speaker 10 (02:02:43):
Oh my god, I I okay, So Susanne, I'm putting
I'm putting her on hold. I don't know if I'm
not clear enough. I understand that someone told you you
don't have I'm gonna try one more time and then
I'm going to hang my own self. So so Pam, listen,
and I promise, I promise. If everything you're saying is correct,
We're gonna help you.

Speaker 2 (02:03:04):
Are you being denied anything right now for medications or
do anything?

Speaker 10 (02:03:08):
Are you being denied a damn thing right now? Besides
just knowing in your head you don't have it. Whether
that's correct or not, I don't know. But is anybody
denying you care? You need no? Okay? Bam three oh
three seven one three talk wow my three o three

(02:03:30):
seven one three eight two five five. Don't forget. Check
out the show on YouTube. Just type in Troubleshooter Network.
We're live on there all the time. Of course, our
podcast fifty thousand plus downloads every single month, one of
the biggest in the iHeart network. Now, anyhow, let's go
to Frank. Frank's got a question. Frank, you need a roof?
Is that my understanding?

Speaker 17 (02:03:52):
Well, that is correct. In fact, I had called Excel
rooping this this morning.

Speaker 10 (02:03:57):
Yes, and both to Carl.

Speaker 17 (02:04:00):
And we have a little bit of snow on the
roof right now. I live in Monuments, so he's going
to come out next week, hopefully it'll melt by then.

Speaker 10 (02:04:09):
Is this a cash pay or how are you paying
for the roof cash?

Speaker 7 (02:04:13):
Oh?

Speaker 10 (02:04:14):
Okay, you don't have insurance. It's not a claim. Just
out of curiosity, it's not a claim.

Speaker 17 (02:04:22):
I have Compass insurance, okay. And my policy is renewing
next month, okay. And it went from sixty three hundred
to ninety six hundred.

Speaker 10 (02:04:34):
Yeah, but that wasn't because of a claim. It's because
he lived in Monument right or Colorado for.

Speaker 17 (02:04:39):
That Well yeah, and plus my roof is fifteen years old.

Speaker 10 (02:04:43):
Well okay, but do you have I'm just curious and
I'm going to bring up Jay Brett's the owner Vicksel,
But I'm a little curious on something else. Do you
have an ACV policy so you would barely get any
coverage anyhow?

Speaker 17 (02:04:55):
No, I have a full coverage.

Speaker 10 (02:04:57):
And if there was hail damage, you know, whether you
you see it or not. But if Excel comes out there,
Carlos or whatever team member comes out and they say, oh,
you do have hail damage. Are you saying you wouldn't
have the insurance company pay for it because it's going up.

Speaker 17 (02:05:13):
No, I'm not saying that. I guess if there was damage.

Speaker 10 (02:05:16):
I perfect, man. I just wanted to make sure on
that and that I wasn't missing a reason you were
paying cash because you were saying it went up basically
three thousand bucks, that you might not do it, but
let me lock you in. Hey, Jay, here's really the question.
If he's got to pay cash, let's face it, in Colorado,
be honest Jay Brett's owner Excel Roofing, how many people

(02:05:37):
out of one hundred people pay cash for a roof
with no insurance involved in Colorado or that deal with
You give me an honest number.

Speaker 23 (02:05:46):
Okay, hey, Mark, So this is the honest answer, and
it depends upon the ear back. In twenty twenty two,
when there hadn't been hailed for a while, we were
seeing a lot more people having to pay out of
their pocket for a new row.

Speaker 10 (02:05:59):
Yeah, but what do weak because it was like sixty
forty what are we talking?

Speaker 23 (02:06:03):
Yes, exactly in twenty twenty two is probably sixty percent
of the people were having to pay out of their
pockets got to the new roofs last year. It's been
a long time because there hadn't been any hail, and
there was also a lot of real estate transactions. Real
estate transactions will drive these.

Speaker 10 (02:06:19):
Quite a Heck yeah they will. Heck yeah.

Speaker 23 (02:06:21):
Well, last year when there was a lot of hal,
probably ninety five percent of our customers had insurance claims.

Speaker 10 (02:06:27):
Got it now? Two direct questions, two direct credits questions
Bread Jay listen Number one, did you do any roofs
and monument this year due to hal? Last year we.

Speaker 23 (02:06:41):
Have, and what we will do for Frank is when
we go out there, we're going to inspect it. And
it looks like he's got a claim, We're going to
tell him to file a claim.

Speaker 3 (02:06:49):
Actually not.

Speaker 23 (02:06:50):
If not, See, that's the thing. So many people call
up a roofer the riffer guard, but if not, hell hold.

Speaker 10 (02:06:57):
On, I hear the music. But here was his other question,
do you guys have any promotions this time of year
because you're not super busy. If he does have to
pay cash, can you cut him a deal? I guess
is kind of what he's asking. Are you going to
be better than all the competition? Real quick, Jacobs, it's
gonna cut you off.

Speaker 23 (02:07:15):
We've got some home show deals going right now, and
I'm not sure Carlos tells Frank about him.

Speaker 10 (02:07:19):
I love it. If they do have deals going, Frank,
we're gonna be back tomorrow