The Troubleshooter 9-29-25

Episode Transcript

Speaker 1 (00:04):
Ripped up bad news.

Speaker 2 (00:07):
De need advice, so.

Speaker 3 (00:09):
You don't have.

Speaker 2 (00:11):
You come running just as fast.

Speaker 4 (00:13):
As we can show Shooter's gonna help come man, This is.

Speaker 5 (00:19):
The Troubleshooter Show now, Tom Martine, Hey, hey, hello.

Speaker 4 (00:25):
And how are you on this beautiful autumn Monday. Here
as we always do to solve problems, to answer questions,
to take complaints, and we do have the studio mothership
up and running with a camera. I'm gonna bring them
in in just a second here. And John Fuller is

(00:46):
our esteemed guest attorney. John Fuller, our auto accident expert
for uh your auto accidents and injuries. His hallmark is
that he will answer your questions without any obligation.

Speaker 1 (00:59):
What's soever upfront?

Speaker 4 (01:01):
You call him and talk to him, you know, I mean,
you know a lot of people just want to talk.
They don't they're not ready to make a decision yet.
They just need to talk to even to know if
they need an attorney or not for goodness sakes.

Speaker 1 (01:14):
So that's what John does. He talks to you.

Speaker 4 (01:16):
If you do hire him, it's on a contingency like
most attorneys in that field, but unlike any attorney I know,
you get his personal cell phone that you can call
or text at anytime. You know.

Speaker 1 (01:31):
One time when I.

Speaker 4 (01:32):
Did that spot, somebody said, come on, Tom, he probably
has a burner phone.

Speaker 1 (01:37):
Then he has his regular phone.

Speaker 4 (01:39):
And he probably gives out that burner number, you know,
so he can put it away and not worry about it.
So I'm going to bring up our video of the
mother Ship, and again before we do that, I just
want to ahead of time apologize for marx appearance. How

(02:00):
did you you were like you knew right away I
was gonna insult you. Okay, So now John Fuller, nice
looking back? Okay, good, gotcha?

Speaker 6 (02:10):
Now that hairline.

Speaker 1 (02:12):
Yeah.

Speaker 7 (02:13):
The fact that it's all there is what you should.

Speaker 1 (02:15):
Really depressed of, you know.

Speaker 4 (02:17):
For those streaming you'll see lovely Sues to the right.
Then you'll see Marty Mark, Hi, sus I miss you guys. Well, no,
let me imagine that I miss you. I miss you.
John Fuller, Come on, man, are you telling me the
cell phone that you have right there?

Speaker 1 (02:35):
Your personal cell phone? You're holding it up.

Speaker 4 (02:37):
Now tell me do you truly give that to clients?
That that phone right there?

Speaker 7 (02:44):
Try it out? Call the number you have it? Same number?

Speaker 4 (02:46):
No, No, I know, and no no, I know, I know
I had the number, but I didn't know that's the
one you give to your clients.

Speaker 7 (02:52):
It's been on my office card for twenty five years almost.
I'm not smart enough to have two phones town. That's
a lot of responsibility.

Speaker 6 (03:00):
I'm just saying that. Let me ask you something. When
you call up these people like on the side of
the train, these people that advertise on billboards and park benches,
do you talk to them? I've never called one. I've
used you. The chances of Asar answering that phone or
next to zero.

Speaker 7 (03:14):
Right, that's not Asar's cell phone, I can promise you.

Speaker 1 (03:18):
Yeah.

Speaker 4 (03:18):
And by the way, you know we're not throwing stones
at anybody. We're just saying John truly leaves himself open
for discussion, conversations and texting. Well, John is.

Speaker 6 (03:31):
Most of those big ones.

Speaker 2 (03:32):
Tom.

Speaker 6 (03:33):
When you call up, of course you're not talking to
that the person on the park bench, but you would
think you at least talk to an attorney. What I've
learned recently is you talk to like an intake counselor.

Speaker 1 (03:45):
That's right, and that's right.

Speaker 6 (03:46):
If you sign up and the case is good enough,
you might get to talk to an attorney.

Speaker 4 (03:51):
Now, by the way, let's just talk about this because
you mentioned intake and all of that.

Speaker 1 (03:57):
And here's the bottom line.

Speaker 4 (03:59):
I think the number one thing people want in any
kind of field, any kind of field, and this is
where companies fall short. Companies are big on wanting to
close a deal or get a client or get a customer,
but short on information giving. I have one whenever I

(04:19):
consult with businesses or give a talk at a business,
I tell them the information giver, the one who gives
information freely, will be the one that wins. Now, I'm
going to give you an example years ago, and by
the way, I should give out our number you can

(04:40):
call with any problem, any question, any complaint.

Speaker 1 (04:44):
Three oh three seven one three talk seven one three
A two five five. That is our local number here
for iHeart and then we have the national number.

Speaker 4 (04:54):
Uh and you can call it locally too. But this
gets you into our system. Even if we're not here,
we will call you back. That's our pledge to you.
Three oh three Martino three O three six two seven
eight four sixty six. So information, I want to give
you an example. I mean where information is important. Years ago,

(05:16):
there was a mortgage lender many years ago when I
got here many many years ago, there was a lender
and this lender had a database that showed every lender,
every metro lender, and what offerings they had. At that time,
it wasn't so uniform. People had special In fact, a

(05:37):
lot of it came back to bite us in the
ass loans, funny money loans and all that. But anyway,
this lender, this particular lender, had this database where they
acquire all of the popular loan programs, okay, and what
they're offering, like this one has an arm, this one
has a rollover loan, or this one has a balloon,

(06:00):
this one has an interest only this one has this,
this one has that. It was at a time when
loan offerings were not universal. So I said, this was
so many years ago.

Speaker 1 (06:12):
I said to him, let's make this public.

Speaker 4 (06:17):
Let's start the Home Loan Information Center, the Home Loan
Information Center.

Speaker 1 (06:27):
And he said, that's interesting.

Speaker 4 (06:30):
His partner said, why would we give this information out
about our competitors, And I said, I'll tell you why,
because they're going to find it out anyway, but it's
going to take a long time. And if you advertise that,
one call gets them all the information they want. In
the market, all of it. Whatever Joe Blow has, whatever

(06:53):
John Smith has, whatever Mary Doe has, you will give
that information and they can make a selection. So here's
what happened. People would call and say, you know, I'm wondering,
what's the best for someone who's going to own their
home for three years, or what's the best for someone
who plans on staying in the house for life, or

(07:13):
what's the best for someone who's fifty.

Speaker 1 (07:16):
Eight years old? Blah blah blah. Okay.

Speaker 4 (07:18):
They would say, well, here are some loans available in
the area, or they would send out information. Email was sparse,
it wasn't like it was now, but they would send
out a US mail information on whatever program they programs
they were interested in, or a sheet.

Speaker 1 (07:38):
Of all the programs. And a funny thing happened.

Speaker 4 (07:42):
This lender started making most of the loans, even though
they gave out information about the competitor, because sometimes a
borrower would say, well, we like this prom this arm
do you have something like that because they were already
talking to a counselor and trusted them, and the counselor
was they sure, we do. And they would make clear

(08:02):
that all of these offers could be matched by the
Home Loan Information Center, And I swear to you, I
don't know if they're still I've lost touch with them.
And I love the guys. They were good guys, and
they became one of the largest lenders in Colorado. In fact,
you know then they became a wholesaler. They were so big.

Speaker 1 (08:24):
But it's the Home Loan Information Center. Okay.

Speaker 4 (08:28):
A few years after that, I meet some wonderful people
with the Bert Organization. They used to be big sponsors Bert, Chevy, Bert, Toyota,
Bert this Now if I am I right, they don't
have Bert anymore, right is the name anyway?

Speaker 1 (08:43):
So a lot of the.

Speaker 4 (08:45):
Guys who started the Bert Organization really good people.

Speaker 1 (08:50):
And I started all the It's like, I don't have
any new tricks the.

Speaker 4 (08:56):
Auto Help Center, and the Auto Help Center will to
answer questions about cars.

Speaker 1 (09:02):
Now, Bert said.

Speaker 4 (09:04):
Why would we give information about our competitors? Same thing,
and I said, because people are going.

Speaker 1 (09:09):
To want to know about it.

Speaker 4 (09:10):
So when you tell them about, you know, somebody across town,
you can also say, but we have a Toyota that
matches all of those characteristics, or we have a Chevy
that can do that too. But it's not a hard sale.
It's an information center. And I'm telling you every time
businesses gave information.

Speaker 1 (09:31):
They got the job.

Speaker 4 (09:33):
Or not every time, but I mean the majority of
the times, because you rise above the static, you give
information that people want, and then you become an advocate.
And when you become an advocate, people gravitate towards you
and they think, oh, I'm going to call so and
so they'll know. And there are still opportunities like that

(09:56):
right now. And in fact, John Fuller is really I'm
making that kind of thing.

Speaker 1 (10:01):
You know. He says, call me about anything. You don't
even have to hire me.

Speaker 4 (10:05):
Call me. I'll answer all of your questions. And that
really is being the information giver. And he'll probably tell
us that he doesn't get every one of those calls,
but it's he's there to answer your questions. And if
you notice, I mimic that a lot and replicate it
a lot.

Speaker 1 (10:24):
In my advertising.

Speaker 4 (10:26):
I have my sponsors who are also advocates, and giving
information about the competition puts you in a position literally
higher than the competition because they you're open, you're honest,
you're forthright, you're giving all kinds of information.

Speaker 1 (10:45):
John on a percentage fee.

Speaker 4 (10:47):
Based not a percentage fee, I mean on a percentage
basis when you give out information. I'll bet you that
if you have a conversation more than once or more
than five minutes, you ultimately get probably ninety percent of
those clients.

Speaker 1 (11:04):
That's what I'm thinking.

Speaker 2 (11:05):
Now.

Speaker 4 (11:05):
Remember I'm saying a meaningful conversation more than five minutes
and maybe even more than one call.

Speaker 1 (11:12):
Does it work out that way? Or am I off?

Speaker 7 (11:15):
No, I'd say you're pretty close. I mean, you know,
we filled a lot of calls that just aren't a
good match. And I still try to help those people,
you know, get their questions answered or at least send
them in the right direction. But you know, if it's
on point and something that's really in our wheelhouse, then yeah,
you're you're probably spot on with the percentages.

Speaker 4 (11:34):
And forty five years ago when I come to Denver,
Roger Ogden who was then who went from Channel nine
to Channel four and hired me when I was back East.
He hired me as one of his initial hires, and
we brainstorm the consumer help center way back then, and

(11:56):
he and I both agreed we were going to have
a help center and could call about anything at any time.

Speaker 1 (12:02):
And it was It's really cool.

Speaker 4 (12:04):
I mean, it's the concept of course has been copied
a million times. I mean, you know, I can't lay
claim to it anymore.

Speaker 1 (12:11):
But anyway, welcome to the show.

Speaker 4 (12:14):
I gave you a lot of history and a lot
of information.

Speaker 1 (12:17):
But that's what we do here.

Speaker 4 (12:19):
We give out information on anything totally transparent. So if
you have a problem, a question, or complaint, here's the
important thing.

Speaker 1 (12:27):
Don't let it faster. Consumer problems never get better.

Speaker 4 (12:31):
If you have a little you.

Speaker 1 (12:33):
Know, something that just just doesn't.

Speaker 4 (12:36):
Feel right and you signed a contract or somebody's asking
you to do something, or an investment or something like that,
just please be really careful and don't let it fester
a long time. Call us for help. And by the way,
speaking of help, waterpros.

Speaker 1 (12:55):
Dot net will get you the best.

Speaker 4 (12:57):
When I say this, I mean it the best water
seit systems at the best price, and the best technology.
He keeps up on all of it. I'm telling you,
if you take supplements and take care of yourself, you
need to watch the water we're drinking. Waterpros dot net
can do reverse osmosis at the kitchen sink for twelve
hundred bucks. No one can touch that price, and he

(13:19):
has an array of other products and services for your
water three oh three eight six two five five five
four Waterpros dot net. Go with a sure thing Denver's
best roofer Excel Roofing dot com.

Speaker 1 (13:34):
You don't pay a cent until you're content.

Speaker 4 (13:40):
Time for an insurance check up free, no obligation comparison
call Compass Insurance Paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance. Three oh
three nine two zero sixteen two. Tom Martino here, welcome

(14:02):
to the show. Three oh three seven one three a
two five five. Let's talk to Judy has an issue
with garage doors and what's going on? Judy?

Speaker 3 (14:11):
Well, hi Tom, thanks for taking the call.

Speaker 1 (14:15):
Yeah, that's what's happening.

Speaker 3 (14:17):
We had it the first coding put on brand new concrete.
We let it cure and everything. So this Hello Garage
came out and put the poly asproutine coating on our
garage floor. This was in May twenty four and then
in the winter time. It was around the holidays, you know,

(14:37):
the car brought water in. Anyway, we noticed a discovered
discoloring of the flakes. So we called Andy, who was
the owner, and he was very nice.

Speaker 1 (14:48):
How did you find this company? To begin with?

Speaker 4 (14:51):
If I may ask you, I'm always curious about stuff
like that, How did you find this garage coding place?

Speaker 3 (14:57):
Well, we were getting a new driveway, new garage, so
we wanted that coding put on and we knew it
was you know, seventh.

Speaker 1 (15:05):
But how did you find How did you find that company?
In particular?

Speaker 3 (15:09):
Well, we were getting a new driveway, new garage, so
we wanted that coding put on and we knew it
was you know, seventh.

Speaker 1 (15:17):
But how did you find How did you find that company?
In particular?

Speaker 3 (15:22):
I looked online, so I had three or four companies
come out, and Andy me was the best customer service.
He had a five star rating, and you know, I
and he gave us about the same price as everybody else.
But I just liked how he presented, you know, and

(15:45):
he talked about you know, he came from Ohio where
his family was, and he started the business up here,
and he just presented himself very good, and you know,
so I went with him.

Speaker 1 (16:00):
It was called Hello.

Speaker 3 (16:01):
Garage, right, yeah, Hello Garage of South Denver, and they're
a national company.

Speaker 4 (16:09):
So it was well, yeah, well actually they are fly
by night guys. I'm not talking about this particular one.
But let me explain something. A franchise. A franchise is
simply someone who bought the rights to use a name,
to get in on the marketing and the supplies, and

(16:31):
most of the time, people who don't have the money
to start their own business from.

Speaker 1 (16:36):
Scratch by a franchise.

Speaker 4 (16:38):
Now, I'm not saying that franchises are not good people.
I'm not saying that at all, but the fact that
it is a franchise doesn't certainly doesn't assure you that
they are great people. Now, in this particular case, is
it's probably the Hello Garage that is the national franchise
because he named his Hello Garage of South Denver. So

(17:02):
I guess what I guess now now, and let me
explain something, and Mark will tell you the same thing.
He had his done, and absolutely I had mine done.
People they can just buy this stuff, get some temp
workers standing outside of home depot and call themselves a garage.

Speaker 1 (17:21):
Coding a company.

Speaker 4 (17:23):
It's really doesn't take anything to get into the business.
So we get a lot of complaints about this in general.
I'm just telling people this is not directed towards you,
but we know that ninety percent of it is prep
and people have a really hard time getting a good coding.

(17:43):
So tell me what happened May of twenty twenty four. Garage, Hello,
garage does your coding?

Speaker 1 (17:50):
So what's going on?

Speaker 3 (17:52):
Well, it was a brand new concrete so they didn't
have to even you know, fix up anything. And then
he went to redo it because of the discolouration of
the flakes. So we chose to have it done on
May twelfth of twenty twenty five. So we emptied the
garage again and they came.

Speaker 1 (18:14):
Now did he do it? He was doing this, He
was doing this under warranty.

Speaker 3 (18:19):
Yes, he was doing under warranty. He said that the
manufacturer was going to supply it and he was covering
the labor, so it was no cost to us. We
did pick a new color, just okay, I didn't want
to have the same issue. Sure, and anyway, so we

(18:40):
were gone out of town and just last week when
we got back, we were gone for ten days got
back by the back tire. Aside from my tire. I
saw this peeling of the floor and it was like
seriously again, so I called, I had his card it well.

Speaker 4 (19:00):
It went you know, well, let's just let's just get judy,
let's get right. I don't need to know the process
and how you contacted him and how I need to
know what happened.

Speaker 8 (19:10):
You want to cover They don't.

Speaker 4 (19:12):
They don't think. No, well, well hold on, so you
had it done in twenty four and then they redid it.

Speaker 1 (19:18):
When when was it actually redone.

Speaker 3 (19:22):
May twelfth of twenty five.

Speaker 1 (19:24):
Oh my god, that was just a few months ago.

Speaker 3 (19:28):
Yeah, they standed it all down, took everything all the
way down to the concrete stand it it all, redid
it all? I mean?

Speaker 8 (19:35):
I was wow?

Speaker 1 (19:38):
And then how long after that?

Speaker 4 (19:40):
How long after that did the hot tire start picking
it's called hot tire pickup. How long after they redid it?
Did you have problems again?

Speaker 3 (19:50):
Why? Just thought?

Speaker 6 (19:51):
Last week?

Speaker 3 (19:52):
So the last September, so like four four and a
half months.

Speaker 4 (19:56):
I guess, hey, Mark, Oh, who's that guy that we
have that I don't know? He might we might want
him to come out and just look at it and
give his opinion.

Speaker 6 (20:07):
Well, it sounds like it's got to be redone. I mean,
it sounds pretty straightforward.

Speaker 4 (20:13):
It does. But man, how much did you pay for this?
How much did you pay for this?

Speaker 8 (20:19):
About thirty seven dollars?

Speaker 1 (20:22):
Yeah?

Speaker 8 (20:22):
Thirty five?

Speaker 4 (20:24):
Okay, I mean I have Well, but Mark, it might
be it might be something else. I mean, in other words,
what part of don't give me your exact address?

Speaker 1 (20:33):
What part of town are you in? Kind of you know,
where are you?

Speaker 3 (20:37):
South Centennial, north of Park Meadows the area?

Speaker 1 (20:40):
Okay, Now, you can't get him.

Speaker 4 (20:42):
You can't get him to even answer the phone.

Speaker 3 (20:46):
No, So I called the national company and Liz there says, oh,
well it was the franchise. They have to cover the warranty.
We're so sorry, but there's no one in Colorado that
can help.

Speaker 4 (20:59):
You said, well, is this is this guy out of
Is this guy out of business?

Speaker 3 (21:04):
I guess he is. That's what she said. She wouldn't
give me any other I had his email, I had
his phone number and cell phone number, and yeah, it all,
it all goes nowhere. It was a fifteen year warranty.

Speaker 4 (21:21):
But well, you see, but that that warranty, that warranty
doesn't mean you can make it a fifty year warranty.
What difference does it make. Warranties don't mean anything. Warranties
are simply as good as the person who wrote the warranty.
And in this case, I hear South, I hear Hello
Garage saying when the local guy's out of business, that's tough.

Speaker 1 (21:41):
You know, you don't get any help, no, well help
at all.

Speaker 4 (21:45):
You said, you said he was great, and he was reputable,
and it was a national company. And I want this
to be an example to people that a franchise name
means nothing. It's the person who is. Who is the
person you dealt with.

Speaker 3 (22:03):
I dealt with Liz at Hello Garage, Liz.

Speaker 1 (22:08):
You know that, Liz.

Speaker 3 (22:09):
That's why l I z Z. And that's who I
talked to last week. I have the eight six sixth numbers.

Speaker 4 (22:17):
Wait wait wait not no, no, that that's the national franchise.
Who did you deal Who's the guy that came to
your house locally.

Speaker 3 (22:26):
Andy mcclenn mc c u n e. He was the
owner of the.

Speaker 4 (22:32):
Company, Andy mchuwn. Yes, okay, hold on a second, we
need to get some now.

Speaker 1 (22:42):
His phone still works.

Speaker 3 (22:45):
Not work as soon as you dial it, it goes
to Paul canceled.

Speaker 4 (22:51):
Okay, well, there's nothing we can do about it. I mean,
we can try to call, we can look at I'll
give it to bow to call.

Speaker 1 (23:01):
Hello Garage Nationally.

Speaker 4 (23:02):
The person you talk to and see if we can
Let's see if we can get them to do something.

Speaker 1 (23:08):
But I kind of doubt it.

Speaker 4 (23:10):
Listen, I'm telling you these businesses that have low barriers
to entry, they tend to attract people who don't stick around.
I mean, we've had it happen before. We've had it
by Judy. I even had it happen with someone that
I thought was going to do a good job and

(23:32):
he turned out to be a clown. It's because all
they have to do is buy this material and call
themselves a garage coding company. But you may you may
be able to salvage that job. That's why I think
we should give you the name also of of our

(23:52):
guy Marcus. He's still on Is he still on the
referral list? Because I'd like to see if he's really
really good? And what I'd like to see is if
he sometimes you can patch it and you can salvage it.
If the rest of the floor is really looking good
and it's solid. But what I would suggest is not

(24:15):
to do it yet. I would let that floor season
a while before you try to patch it, because there
may be other areas that come up. Again, Mark, what
is the name of the actual company that you dealt
with that you love them and I love them?

Speaker 1 (24:31):
What was the guy's what was his company?

Speaker 4 (24:34):
I'll have her give them the caller the number?

Speaker 1 (24:37):
But what is the name?

Speaker 4 (24:38):
Oh?

Speaker 1 (24:38):
Is it Elite Garage Floors? Yeah?

Speaker 4 (24:40):
Okay, be going through a name change. That's why I
was hesitant. Okay, okay, so hold on and then give
this to Boa to call the national company.

Speaker 1 (24:50):
Sorry, folks, this happens all the time.

Speaker 4 (24:54):
Remember, warranties don't mean a thing. They really don't, unless
it's just like general Electric or something. You really can't
depend on warranties. It's so funny how they say five
year or ten year, twenty year. One person told me
one time, well, I went with this company because it
was a twenty five year warranty.

Speaker 1 (25:14):
Guess what, the LLC goes out of business, you don't
have any warranty.

Speaker 4 (25:18):
That's just the way it is. And also, warranties aren't inherited,
so if another guy opens up one of these garage
coding places under the same name Hello Garage, even Hello
Garage of South Denver, somebody could reopen the franchise. They
would not be responsible to you. Warranties mean nothing, literally nothing.

(25:41):
I'm Tom Martino more coming up. Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying

(26:03):
too much your coverage at dozens of insurance companies find
out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine here, get your furnace

(26:26):
cleaned and checked only thirty nine bucks from fix It
twenty four to seven. It's like a total refurbishment. Do
it you can feel that cold starting, Get it before
the cold comes, and you get a no breakdown guarantee
just thirty nine bucks seven two zero five two six
thirty nine thirty nine we have John Fuller with us

(26:48):
from Fuller Law, and somebody's texting me. And by the way,
let me remind people where they can text me. You
can go to the short code iHeart short code five
seven seven three nine and just text us there five
seven seven three nine, or my personal cell phone text well,
this is my Google number that goes to my cell

(27:09):
phone seven four seven fifty two eighty seven four seven
nine nine nine fifty two eighty.

Speaker 1 (27:18):
Someone wants to know.

Speaker 4 (27:21):
Is a dashcam footage? Is that admissible in court? Can
it be used as evidence?

Speaker 7 (27:27):
John Fuller, Absolutely it can, yeah, And is it the
thing I mean dash cams? Dashcams are most effective at
making sure you don't have to go to court because
they completely eliminate the argument about what happened.

Speaker 1 (27:43):
Okay, and so you really love.

Speaker 7 (27:45):
Dash cams absolutely?

Speaker 4 (27:49):
Okay, So the for the texter, I'm just writing back, Yes, admissible.

Speaker 1 (27:55):
Are there any conditions?

Speaker 4 (27:56):
Like, I mean, like, you know, what are the rules
for getting it at They just give it to you
and that's it, they say here and it's probably used,
as you said, more as a negotiating tool, right, yeah.

Speaker 7 (28:08):
I mean you know, there's not really an authentication process
that we have to go through to use it pre litigation.
If you're in litigation, it has to be authenticated, and
there's rules for that. But generally, if you own the
dash cam and you can attest that it's a fair
and accurate representation of the scene and the accident and
the vehicles that we're involved, then you're going to meet
all the evidentiary standards to get that to get that

(28:30):
to come in. And so, you know, it's a really
simple foundation to lay to get that video in. But
like I said, you know, most of the time, and
I don't think I've ever had one that really we
still had a valid dispute after presenting a full color
video of the accident happened. What else is there to

(28:51):
really argue about?

Speaker 3 (28:52):
You know?

Speaker 4 (28:53):
Okay, all right, thank you, John, appreciate it. Drew, is
this Drew from back East? Can't be true?

Speaker 9 (29:03):
Yea, yeah, Oh.

Speaker 4 (29:08):
Drew, who are you suing?

Speaker 2 (29:09):
Now?

Speaker 9 (29:12):
I'm not going to talk with you if you're not
If you have an Unchristian attitude, you see the problem
with you?

Speaker 4 (29:18):
And if I have hold on, hold on, if I
have a what a Christian attitude?

Speaker 9 (29:23):
Oh, you don't have, I don't You've done in your life.
I've done about you know.

Speaker 4 (29:29):
I'm really I'm really happy that God and Jesus put
you in charge of judging.

Speaker 1 (29:35):
So you have judged.

Speaker 4 (29:36):
Me and you and you're saying I am not I
do not have a Christian attitude. Is that what you're saying, Drew,
I do not have a Christian attitude. I got to
get us straight.

Speaker 9 (29:48):
I'm trying to say your attitude thinks you always mock me.
We have stood now right, I think in minorities, children,
old women, And it's very, very difficult. And I was
just calling now to state there's a crooked judge we're
taking on.

Speaker 4 (30:07):
Now what and why is this judge crooked? How'd you
come across this judge?

Speaker 9 (30:11):
He has a clear conflict of mark. I'm not judging you.
You and I believe a lot the same, But in
any case, he has a clear conflict of interest and
he falsely judged the case.

Speaker 1 (30:24):
The conflict which case, which case drew? Which case.

Speaker 9 (30:28):
I'm not going to go into details, you only market,
but it's important to listen to this. He married, He
married the defendant at a ceremony. He was the master
of ceremonies, the guy who read the vows he's a
personal friend of his.

Speaker 4 (30:46):
Oh, when you say he married, you mean he officiated
the wedding or the ceremony. Okay, And you think because
he officiated the defendant's wedding, he has a bias toward them.

Speaker 9 (31:00):
Yeah, telling most of your audience, do you ask people,
would you want to be judged by a judge who
married the defendant?

Speaker 4 (31:08):
Officiate everybody, No, I wouldn't, But but Drew in order
to and and I want you to truly.

Speaker 1 (31:18):
Just stop insulting me about the past.

Speaker 4 (31:21):
I want I need to know some information this judge,
this judge was sitting in judge, This judge was sitting
in judgment of you, and you believe he was biased?
Did you when did you find this out? After the
judgment or before? Did you know going into court that
this guy was connected?

Speaker 1 (31:42):
Okay?

Speaker 9 (31:44):
How did you?

Speaker 1 (31:45):
Okay?

Speaker 4 (31:46):
Okay, all newspaper, But can you just roughly tell me
what was the case that he adjudicated?

Speaker 9 (31:57):
That's that's not the issue. And you're just gonna comes Drew.

Speaker 4 (32:01):
It is an issued because I want to know how
did he how was he biased? I have to know
a little bit about the case. I mean, I mean
I can't do this without that. But I will tell you,
and John Fuller will tell you, and by the way,
I'll give you John Fuller's personal cell phone after this.
But Drew, here's the deal. You suing a judge for

(32:23):
bias or conflict is so incredibly tough.

Speaker 1 (32:28):
John.

Speaker 4 (32:28):
On a serious note, if you think a judge is crooked,
if you think a judge is biased, what options do
you really have after a judgment has come down.

Speaker 7 (32:41):
Well, I don't think there's any real judgment or any
real option that would result in damages being owed to
you by the judge. If you know, if you had
a judgment that was the product of fraud or you know,
a bad conflict of interest, your remedy would be to
set aside that judgment and then you could potentially take
up the issue with the you know, with the Supreme

(33:02):
Court in that jurisdiction to adjudicate the wrongdoing of the judge.
But it wouldn't result in a civil damages pen No, no.

Speaker 1 (33:10):
I understand.

Speaker 4 (33:11):
But he could have the hearing a new hearing, but
he'd have to prove and I had to take this break.
I'll come back and explain what I was saying. Hang on,
go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 1 (33:27):
You don't pay a cent until you're content.

Speaker 4 (33:33):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three O three, seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

Speaker 1 (33:55):
Hi, I'm Tom Martino. You're troubleshooter.

Speaker 4 (33:57):
So Drew from New Jersey wants to do something about
this judge he feels was unfair. And he said he's
basing that on the fact that the judge knows the
defendant and actually officiated the defendant's wedding. And I don't
mind taking this call from Drew again. He goes from
lawsuit to lawsuit. But I just need to know what

(34:21):
the latest case was where the judge was biased. If
he can give me information, I will look into it. Okay,
even though he does nothing but insult me every time
he calls. We have more coming up. On this and
other cases.

Speaker 9 (34:36):
Right after this, your attitude thinks.

Speaker 4 (34:39):
Go with a sure thing Denver's best rufer Excel Roofing
dot com.

Speaker 1 (34:43):
You don't pay a cent until you're content.

Speaker 4 (34:49):
Time for an insurance checkup free no obligation comparison call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two ripped up.

Speaker 2 (35:12):
New You don't have come running just as fast as
we can.

Speaker 7 (35:20):
Shooter's gonna help come.

Speaker 1 (35:24):
Dix.

Speaker 5 (35:25):
Is the Troubleshooter Show Now Tom Martino.

Speaker 1 (35:30):
Hello, I'm Tom Martino.

Speaker 4 (35:31):
Welcome to the show where we solve problems, to answer questions,
take complaints, and make your life just a little easier.

Speaker 1 (35:39):
If we can.

Speaker 4 (35:40):
And we have John Fuller with us today from Fuller Law,
personal injury attorney, our auto accident expert here on the
show as far as injuries and what to do about it? Now,
crew hung up?

Speaker 1 (35:54):
Is that right? I think his battery might have died.

Speaker 4 (35:58):
I am, I am, I really need to explain this seriously,
because you won't. He doesn't let me talk. He always
says I'm unchristian, I'm terrible in this.

Speaker 1 (36:06):
But he yet he calls. And here's the thing I have.

Speaker 4 (36:10):
One time I thought it was a it was a
put on, it was a joke.

Speaker 1 (36:13):
It wasn't real.

Speaker 4 (36:15):
Years and years ago, when I was in New York City,
WABC in New York City and syndicated around, this guy
came to me with a case and you know, on
the air, and it was a case against I. Honest
to god, forget what the case was. There were so many,
but I highlighted it and he won that case.

Speaker 1 (36:38):
And it was something to do with Merrill lynch Er
maybe not, but somebody.

Speaker 4 (36:41):
Anyway, here's the bottom line. I could This guy is
a professional suer. He sues people all the time. For
every every time he calls us, he is suing someone
or he is out to get someone, and he wants

(37:03):
cash settlements. I swear to god it is. He almost
sounds like a made up character. For forty five years,
he's been calling me and he insults me and calls
me U Christian, that's his favorite thing. I don't have
a Christian attitude because I don't always see eye to
eye with him. And in fact, the guy has never

(37:27):
really worked. I think he has such a pain in
the ass that people give him money to make him
go away because he does everything pro say.

Speaker 1 (37:38):
He files lawsuits on his.

Speaker 4 (37:40):
Own, you know, handwritten or with an old typewriter, and
he files lawsuits. And when you have a lawsuit filed,
you have to answer the lawsuit. I mean, John Fuller,
attorney at law, even when there's a ridiculous lawsuit.

Speaker 1 (37:56):
Don't you remember the one you read where the.

Speaker 4 (37:59):
Guy was suing me because I said he was a
waste of skin.

Speaker 7 (38:03):
You were talking about Mark there for a second.

Speaker 4 (38:06):
Do you remember that guy that I he was suing
me for the intentional infliction of emotional whatever.

Speaker 7 (38:15):
Traumas right, Yeah.

Speaker 4 (38:19):
When somebody sues you like that, John, if someone that
was suing me for intentional infliction of emotional trauma, he
was suing me, what if I ignored it, Is it
possible I could have had a cash word against me.

Speaker 7 (38:34):
Yeah, of course. I mean, you know, listen, that's the
downside of it, is that and people like Drew to
take full advantage of it. Is once you file a
lawsuit and you properly effectuate service, you've got to answer
it or else a default judgment will be entered against you.
And then after the default judgment is ordered, they'll then
set it for a damage's hearing. And I mean, the

(38:55):
judge almost has no latitude but to but to take
the uncontested evident and then you know, inner a judgment.
I mean, it's terrible, but you can't really have it
any other way.

Speaker 4 (39:06):
Now, I'm going to bring Drew back, but I here's
what I want to say ahead of time, and I
mean this, I don't want any insults.

Speaker 1 (39:13):
I don't want anything like that.

Speaker 4 (39:14):
I listen, Drew your phone calls if nothing else are entertaining,
and I'll tell you why you go from one conflict
to another every I mean, I have lost count of
the conflicts in your life, and I'm wondering, why why

(39:34):
do you have so many conflicts everything from supermarkets to
drug stores, to large minority women to just all kinds
of He walked into the tailgate of a car one
time and wanted to blame the guy, and then there's
just so many lawsuits or threats of lawsuits and I'm

(39:56):
just so flabbergasted by it, and I wanted to ask
one question since you always attack me for having not
having a Christian attitude. You say I'm a heathen, I'm this,
I'm that. You've called me all kinds of names. So
I just have a simple question before we continue.

Speaker 1 (40:15):
Do you have any blessings in your life? Drew?

Speaker 4 (40:18):
Where you have gratitude to the Lord Jesus Christ. You
tout yourself as a Christian minister all the time, you
work it into every conversation. What I'd like to know
is this, do you have anything to feel gratitude about?
Are you happy? Or do you have any blessings? Can

(40:39):
we start.

Speaker 1 (40:39):
There, Drew?

Speaker 9 (40:42):
Ninety percent of what you just said is not true.
How can I respond to falses? I never called you an.

Speaker 4 (40:49):
Okay, I just threw that name in, But you've called
me a lot of names as far as Christians.

Speaker 1 (40:58):
And by the way, as I.

Speaker 4 (41:00):
Remember you pray, you prayed that I would be cursed
and me and Mark, I remember that.

Speaker 2 (41:06):
Drew.

Speaker 1 (41:06):
Listen, here's what I want to know.

Speaker 4 (41:08):
Seriously, Drew, shut up, because it's my show, I get
to shut up. Shut up. I want to ask you
a quick question before we go on. Do you have
any blessings in your life?

Speaker 9 (41:21):
I never prayed that to be cursed.

Speaker 1 (41:24):
Do you have any blessings in your life?

Speaker 9 (41:28):
I have blessings from God Almighty?

Speaker 1 (41:31):
What are the blessings? What do you have gratitude for today?

Speaker 4 (41:34):
Before we go into your next lawsuit, what do you
have gratitude for?

Speaker 9 (41:39):
First of all, the lawsuits were over a pod.

Speaker 1 (41:42):
What do you have gratitude for?

Speaker 4 (41:44):
Drew?

Speaker 1 (41:44):
In your life right now? What do you have to
be what's that?

Speaker 9 (41:48):
Lawsuits for over a period of twenty eight years in
New Jersey, where everybody's in the corner every third year,
it's not Colorado?

Speaker 2 (41:58):
Drew?

Speaker 4 (41:59):
What do you have to be thankful for today?

Speaker 9 (42:03):
And the lawyer says, we can't set aside the judge.

Speaker 1 (42:07):
What do you have to be thankful for today?

Speaker 9 (42:11):
The Bible says the only thing to be thankful Drew?

Speaker 1 (42:14):
What do you have to be thankful? What do you
have to be thankful for today?

Speaker 9 (42:22):
I'm trying to answer your question. The Bible says, the
only thing to be thankful for is that you know
in love God. Because this is a fallen world. There's
much corruption, and I never called your names. You start,
you started attacking me, and you can't set aside the verdict.
There is no you can't. There is no verdict, there's

(42:45):
no honor.

Speaker 2 (42:47):
What happened?

Speaker 1 (42:49):
Did he dismiss it? What did the judge dismiss your case?

Speaker 4 (42:55):
No?

Speaker 9 (42:56):
He just wrote a letter and he took away my
I'm crippled. I can't write, I can't hype. He took
away my three year disability for no reason and things
like that.

Speaker 4 (43:11):
I can well, who was I thought? You said, this
judge officiated the defendant's wedding and ruled in their favor.
What case are we talking about now? You're talking about disability?
Was was was the defendant? You were suing this defendant for? What?

Speaker 1 (43:30):
What is the case?

Speaker 9 (43:32):
I reported the descendant for taking two salaries for one job,
which is what Donald Trump and Elon Musker doing. I
reported a corrupt person taking two salaries for one job.

Speaker 1 (43:47):
Okay, So were you suing were you suing this person?

Speaker 3 (43:51):
Oh?

Speaker 4 (43:53):
Oh wow? Okay, because you called this person a defendant.
You said the judge knew the defendant.

Speaker 9 (43:58):
So she was defending the fact that she was caught
sealing money. She was not a descendant. I was suing.

Speaker 4 (44:06):
Okay, so what did the judge do that makes you
believe he was biased against you?

Speaker 9 (44:12):
What did he do without any We're supposed to have
due process and a hearing and notice and fairness. Just
judged it. No hearing, no notice, no witnesses, no evidence.
He just wrote a letter. He's taking away my disability.
I'm crippled. I can't have time.

Speaker 4 (44:32):
What kind of disability.

Speaker 10 (44:34):
Is it?

Speaker 3 (44:35):
So?

Speaker 1 (44:35):
Is it SSDI?

Speaker 9 (44:38):
I don't know what that means. All I know is
that's why wait.

Speaker 6 (44:42):
Wait, wait, that's why he just brought in hold on,
hold on. Finally something makes sense here. He just brought
in negative things about Elon in Trump. Is that correct, Drew, No,
he didn't. He said that's what they're trying to do.
He said they're trying to do away with corruption.

Speaker 7 (44:58):
And he was those two are drawing multiple salaries for
the same job, just like this one person did, Drew,
and An he's saying the judge is conflicted because I
don't understand that, to be honest with years ago, to
be understand.

Speaker 1 (45:10):
I don't understand anything that guy's saying.

Speaker 6 (45:13):
He's getting his disability taken away, right, Drew, that's let's
just get to the let's get to the matter at ann.

Speaker 4 (45:19):
But what kind of disability? I don't know, Drew, what
kind of disability?

Speaker 9 (45:25):
I can't write, I can't type on crippled.

Speaker 1 (45:28):
But what kind of disability were you getting?

Speaker 9 (45:32):
I'm trying to explain to court under a previous judge,
KA be a typist for four hours a week to
do all my papers.

Speaker 4 (45:41):
Person, du Drew, I need to know what kind of
disability were you on that was taken away?

Speaker 1 (45:50):
What kind of disability?

Speaker 9 (45:53):
I don't know what they call it. It doesn't matter
to me. I had a typist. That's all I cared about. No,
I can't even set aside to vernict, I have no
typist and the judge did not sut it into honor form.
Do you ask your lawyer friend.

Speaker 7 (46:08):
Who provided you a typist? Who paid the typist?

Speaker 1 (46:12):
Are the courts the courts?

Speaker 6 (46:14):
Dolls?

Speaker 4 (46:17):
Drew Martin, Drew, listen, I'm serious, now, I'm really serious.
You may think just that I want to I want
to say this, and I'm really really trying to appeal
to you. Why don't you just live the remainder of
your life in gratitude and every breath you take thank

(46:37):
God for being alive and look for good things instead
of always having conflict. Why can't you do that?

Speaker 9 (46:45):
Because God says to do the opposite of what you
Ephesians five to eleven have nothing to do with the
Jesus corruption, but rather expose them true.

Speaker 6 (46:55):
Thank God not toemru Mad because his benefits were taken away.

Speaker 4 (47:00):
I can at least appreciate that.

Speaker 6 (47:01):
But Drew, I don't understand while you're dancing around and
want to sue the judge, maybe do an appeal or
whatever the next level is to try to get your
benefits back.

Speaker 1 (47:11):
He can't pay, he can't type, weird picture.

Speaker 4 (47:14):
He can't type, and he can't write, Drew, Drew, are
you telling me it would be unchristian to live the
rest of your life in gratitude and thanksgiving for the
health that you have and for the sunlight and for
all of the things in our life. Do you think
you say that's unchristian?

Speaker 3 (47:35):
Oh?

Speaker 9 (47:35):
I never said that. You just said it.

Speaker 4 (47:37):
No, you said not two minutes ago, that that's not
what we're supposed to do as Christians.

Speaker 9 (47:43):
I feel like I woke up an amonicsing corruption, Donald
Trump and Elon Musk are correct and explosion or whoever
does it, they're right, that's good, Drew.

Speaker 1 (47:55):
But what about you.

Speaker 4 (47:57):
Don't you think it would be good to just enjoy life?
You go from one conflict to another. All You're always
in conflict, Drew, You're always in conflict.

Speaker 9 (48:09):
People don't know the true Bible. The only expression of
Jesus Christ in the Bible was a man of sorrows
Isiah fifty three three, Drew, Jesus.

Speaker 1 (48:22):
True.

Speaker 4 (48:23):
I'm just asking you if there's possible that you can
just live the rest of your life in some happiness.

Speaker 9 (48:32):
I will be happy when Jesus Christ puts his arms
around me and tells me everything is all right.

Speaker 4 (48:38):
Okay, well, okay, Drew, I gotta go now. I don't
think we can help you it. Going after a judge
is going to be impossible in your position. And really, Drew,
my recommendation to you, even though you call me names,
and you call me un Christian, and you cursed me

(48:59):
by the way you prayed that that I you know
some I don't know if Mark remembers it.

Speaker 1 (49:04):
But look, Drue, we're done.

Speaker 4 (49:08):
Come back with your next conflict, and maybe we can
give you the same advice. Yeah what, I what?

Speaker 6 (49:15):
I never understand about him. This one was very strange
because how he started the conversation. It sounded like he
wanted to sue a judge over some marriage that wasn't
appropriate or something stupid. But really he lost his benefits.
I don't understand why he didn't simply start with that.
Then we could get an expert on was social security

(49:35):
benefits and atmar get something dark.

Speaker 4 (49:38):
I don't. I don't think you understand when he was
talking about his benefits, he wasn't talking about Social Security
or anything like that. He was talking about some benefit
helping him file lawsuits.

Speaker 6 (49:51):
He would possibly extend a benefit for a typist. I mean,
who who would pay for that?

Speaker 4 (49:55):
What? What buet that the courts have a system for
access and if you make a case before a judge
that you don't have access because of a language barrier
or something else, And in his case, he said it
was because he couldn't type.

Speaker 6 (50:12):
Then he started quoting movies.

Speaker 7 (50:15):
I don't know, I'm talking about The Soggy Bottom Boys
and Oh brother, where art thou?

Speaker 4 (50:20):
What? Anyway, we wasted enough time with Drew. And what's
really interesting is he's been calling me for forty five years.

Speaker 6 (50:31):
He's getting worse, So I think his brain starting to
break down. Seriously, something's going on with him. He'd been calling,
you know, when it comes to my life. I've heard
this guy call for almost fifteen now, but he's getting
this Year's been really off the rockers for him.

Speaker 4 (50:47):
But what's really weird is he never never looks around
and finds things to be thankful for.

Speaker 6 (50:56):
He might not have always, he might not have one
thing to be thankful for, or my God, listen to him.

Speaker 4 (51:02):
He's in total conflict all the time.

Speaker 6 (51:04):
I'll tell you who's celebrating right now. The typist whoever
had to sit down with Drew for four hours a week.

Speaker 7 (51:10):
They bribed the judgement.

Speaker 4 (51:11):
My god, talk about a free pass through the pearly gates.
That person has it. By the way, people are thinking
right now, what's going on with the real estate market?

Speaker 1 (51:20):
Can I sell my house? And what will I get
for it? And how do I know? You don't want
to do a full blown appraisal.

Speaker 4 (51:27):
But what you can do is Frank Duran will do
an evaluation of your home and based on his thirty
two thirty three years of experience, he will show you
what you can sell that house for based on his
selling methods and what you cannet. It's a free no
obligation survey of your home an evaluation three OHO three
nine two zero sixteen twenty two. Frank Duran their real

(51:50):
estate Man dot com. Go with a sure thing Denver's
best roofer Excel Roofing dot Com.

Speaker 1 (51:59):
You don't pass until you're content.

Speaker 4 (52:04):
Time for an insurance checkup, free no obligation comparison call
Compass Insurance pain too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi Tom Martino here,

(52:31):
Welcome to the show. Three O three seven one three
talk seven one three A two five five. By the way,
KINH Hoome Solutions. Also we talked about companies with heritage.
They also have painters now, and I know people look
for dependable painters KINH Painting Pros. So you can get
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(52:54):
windows dot com.

Speaker 2 (52:56):
Uh.

Speaker 4 (52:56):
John Fuller is with us. We were talking off the
air about umbrella policies. Right, there's a misunderstanding about umbrella
policies and what they do.

Speaker 1 (53:05):
First and foremost umbrella policies are what they sound like.

Speaker 4 (53:09):
It's an umbrella over your mostly your liability and what
is covered.

Speaker 1 (53:16):
John, can you explain.

Speaker 4 (53:19):
From attorney's perspective what an umbrella can do to protect people? Sure?

Speaker 7 (53:24):
So you know, we all have a state required minimum
amount of coverage for liability, and that means that coverage
that's there in case you make a mistake and you
cause an accident that hurts somebody else, and then that
liability coverage is to protect you from that person making
claims against you. Now, some people buy extra insurance, and

(53:48):
generally you can go up to about five hundred thousand
dollars is about the most liability coverage that you can
buy from your traditional carriers like State Farm and All
State and all the other ones. But many people like
to have more coverage, and they call that coverage an
umbrella because it literally just hangs over the top of

(54:11):
your existing underlying policy and extends the amount of liability
coverage that you have in the event that you cause
an accident and hurt somebody else. It doesn't provide any
additional benefits to you other than just protection against some
other third party, So it doesn't increase the amount of

(54:32):
money that your family has available in the event that
you're hurt in an accident due to somebody else's fault.
All it does is simply act as an umbrella shielding
you from the claims of some third party. What Dimitri
is talking about is that some umbrella carriers also offer
the ability to buy a writer or an extra type

(54:56):
of coverage that extends not only your liability but also
your uninsured motorist coverage to the same or or some
other dollar amount that you're buying in your umbrella. And
what that does is it extends the amount of coverage
that's there for you and your family in the event
that you get hit or hurt by somebody else and

(55:19):
that person either has no insurance or not enough insurance
right now.

Speaker 1 (55:24):
To get umbrella, you can't.

Speaker 4 (55:27):
You can't buy the minimum insurance available and then get
an umbrella on top of it. Usually you have to
max out the underlying insurance in order to get an umbrella.

Speaker 7 (55:37):
Most of the ones I've seen require at least two
hundred and fifty thousand dollars of liability coverage, which is
expressed and generally as two fifty slash five hundred, which
means two fifty per person and up to five hundred
thousand dollars per accident.

Speaker 1 (55:53):
Right, But to get the umbrella.

Speaker 4 (55:55):
The point I was making is a lot of people think,
oh wow, this is a cheap way to buy extra
insur insurance, and they feel like they can buy the
minimum underlying insurance and simply have an umbrella cover them.

Speaker 1 (56:06):
But it doesn't work that way.

Speaker 4 (56:07):
Umbrellas require they absolutely require a certain minimum insurance under
them because obviously yeah so, and each umbrella policy is
a little different, but they all require a certain level
of underlying coverage. And talking about uninsured underinsured coverage, I

(56:28):
think of all the coverages, it is possibly the most
misunderstood coverage of anything, of anything at all. People have
no idea what it means. A lot of people think
it's going to get their car fixed. A lot of
people think it's going to cover their doctor bills. A
lot of people think a lot of things. But you am,

(56:50):
it's really simple to explain, and we'll do that. Everyone
should have it. Uninsured or underinsured motorist coverage protects you
and there's about a seventy five percent chance you will
need it because about seventy five percent of the people

(57:10):
have either no insurance or this state minimums, and a
lot of people think, why do I.

Speaker 1 (57:18):
Want to cover under insured or uninsured.

Speaker 4 (57:20):
We'll go over the specific times you use that policy
and it's really misunderstood. Trust me when I tell you that,
and then we'll ask John about some other texts I'm
getting on personal injury.

Speaker 1 (57:31):
Right after this, go with a sure.

Speaker 4 (57:40):
Thing Denver's Best roofer Excel Roofing dot com. You don't
pay a cent until you're content time for an insurance
checkup free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven to seven to one help.
You'll think you're what is only customer when you choose

(58:01):
Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two
zero sixteen twenty two on Tom Martino, you're troubleshooter. Okay,
So let's say you get into an accident and you

(58:24):
have a tremendous pain and suffering claim. What is pain
and suffering? That's the first misunderstanding a lot of people
have of defining.

Speaker 1 (58:36):
What the hell that is.

Speaker 4 (58:38):
Because medpay covers medical payments, the other person's liability if
it's their fault, should cover your medical bills. But even
after your medical bills are covered, what is pain and suffering?
John Fuller, What exactly is pain and suffering in the

(58:58):
insurance world? Is it?

Speaker 7 (59:00):
Sure?

Speaker 4 (59:01):
So?

Speaker 7 (59:01):
The easiest way to think about it is we have
two categories of damages. We call them economic and non economic.
Economics are easy. They're everything with a dollar sign, so
medical bills, lost wages, loss of future earning's capacity, those
kind of things. They're easy to calculate because we just
add up the dollars. The things that are tough to
calculate are those things that don't have dollar signs, and

(59:24):
their quality of life issues. They're they're your inability to
get up and do the things that you enjoyed, to
spend time with your family doing the things that are
important to you.

Speaker 4 (59:32):
Maybe even a miss vacation.

Speaker 7 (59:34):
Miss vacations, your lack of mobility, your lack of ability
to see and touch and feel and love and feel
loved and everything else. I mean, those are all components
of the intangible or the non economic factors that go
into accidents.

Speaker 1 (59:49):
And that is what pain and suffering is.

Speaker 7 (59:53):
Yep, you bet it was.

Speaker 1 (59:54):
It was nicknamed pain and suffering.

Speaker 4 (59:57):
But what it's not. It's not an econom damage. Now
you have to put a number on pain and suffering.
And this is where we can do a scenario. So
we get into an accident, it's someone else's fault. We
get our medical bills covered. But what if these people

(01:00:17):
have the minimums? What happens John first? On the medical bills?
If they don't have enough to cover my medical bills,
what do I do?

Speaker 2 (01:00:28):
Well?

Speaker 7 (01:00:28):
I mean, that's the ultimate insult that we have in
this stat is we have such abysmally low limits that
you can you can run up twenty five thousand dollars
of medical bills in about ten minutes at any decent hospital.

Speaker 2 (01:00:40):
Right.

Speaker 7 (01:00:40):
And so the reality is, I mean, here's the really.

Speaker 4 (01:00:43):
What didn't know? But I'm asking first before we go
off on.

Speaker 1 (01:00:46):
That, I want to hear it.

Speaker 4 (01:00:48):
But what do we have to cover ourselves if someone's
liability is not enough to cover our medical bills?

Speaker 7 (01:00:57):
Yeah? You have your own checkbook, that's what you have.

Speaker 1 (01:01:00):
So that's or health insurance or well health insurance.

Speaker 7 (01:01:04):
Yeah, but it's your The ultimate responsibility for all of
your bills falls back on you. And so that's why
we have to buy this extra insurance, is to have
coverage for what the other guy doesn't have.

Speaker 1 (01:01:15):
And Okay, that's what I'm asking. What coverage can we buy?

Speaker 4 (01:01:20):
And I'll ask Brian Burns from Okay, what coverage can
we buy specifically when the other party cannot cover our
medical bills?

Speaker 7 (01:01:29):
And starting, I'm with you, it starts with medical payments
coverage and that that really is something that we're going
to use at the beginning of the case. But ultimately
it's uninsured motorist coverage. That's what we buy to protect
ourselves from all of the categories of damages that the
other guy may not have enough insurance to cover.

Speaker 4 (01:01:47):
So underinsured and uninsured we'll pay medical bills. Yeah, you bet, Brian,
that's what that's that pays medical bills when somebody falls short.

Speaker 8 (01:02:00):
Thank Tom said, yeah, I'm sorry.

Speaker 4 (01:02:03):
Uninsured and underinsured motorists coverage. When I've asked in the
past what is it, they would tell me it it
is they put you sue. It's like suing your own company.
You get an award from your own company for the
inability of the other party at fault to come through.

(01:02:25):
So if the other party at fault cannot make you whole,
then you're underinsured and uninsured.

Speaker 1 (01:02:32):
Motorists coverage will make you whole.

Speaker 8 (01:02:35):
Right yeah, yeah, yeah, like for pain and suffering and
for loss of wages. And then if there is medical expenses,
sure they can go there.

Speaker 4 (01:02:43):
Okay, So how often is it used for just medical
bills and not the other pain and suffering?

Speaker 7 (01:02:50):
So Tom, let me jump in here. And I think
the mistake that you're making here is that that the
application of you has to be allocated to specific bills,
and it's not. It's allocated to an entire basket of damage,
one component of which may be your medical bills, but
it may also be everything else.

Speaker 4 (01:03:10):
Right, That's the point I'm trying to make is and
I want to make this clear, John, because I get
the calls all the time, and here's what it is. Okay,
the other party can't pay their medical bills. They get
a bill from the hospital, they submit it to their
to their under insured and uninsured policy, and they say
we're not covering this bill because we were not medpay.

Speaker 7 (01:03:29):
Why would they say that, Well.

Speaker 4 (01:03:31):
Because they settle for an uninsured motorist amount.

Speaker 7 (01:03:35):
I mean, so, I mean I think that I think
the flaw here, Tom is that we don't just submit
bills to the UM carrier and say here, pay this.
It's that's not really the way it works. Okay, so
it's right to health insurance policy. Why not try that.
They give you a card to take to the hospital.
It's a it's a policy that you buy that at
the end of the day. That's the really the biggest

(01:03:56):
thing is that we don't ever just send bills to
an insurance company along the way. We wait until the
end of the case, and we have one one resolution
of your damages with the liability company and one resolution
with the UM company, and it's for all of the
damages that are still on the table. If liability paid
a portion of those, they get an offset for that.

(01:04:16):
But then it's everything else. And so we would never
just pay a medical bill or submit a medical bill.
We would submit all the medical bills.

Speaker 1 (01:04:24):
And all of the pain is suffering claims.

Speaker 7 (01:04:27):
These are all of my damages. Now pay me hopefully
all of my UM coverage, and then I'll figure out
how to allocate that among the different categories of damages.

Speaker 4 (01:04:36):
That we're okay, And that brings me to my next point,
which you've answered. But a lot of people, this is
what I hear from them when I talk to them
about underinsured or uninsured motors coverage. They say something like this,
and I've heard it, why would I buy insurance for
the other person?

Speaker 1 (01:04:53):
Why would I ever do that?

Speaker 4 (01:04:55):
It's not my fault they don't have enough insurance? Why
should I pay for that? And that that that's probably
and and Brian, when people shop for insurance, I'll bet
you they say things like that, like, why would I
pay for someone uninsured? That's not my responsibility?

Speaker 2 (01:05:13):
Right?

Speaker 8 (01:05:14):
Just so counterintuitive because you're covering yourself against.

Speaker 1 (01:05:18):
That's exactly right.

Speaker 4 (01:05:20):
So so at what point then do medical bills go
from your medpay or from their liability to your UM coverage.

Speaker 7 (01:05:33):
When they're when their coverage is exhausted? Okay, So I
mean this coverage doom if you want to know my
answer to that question. And you just said, why would
you buy it? Because you can it's the cheapest thing
you can buy to protect yourself. I mean, right, for
the amount of money that I spend for my my
uninsured motorist umbrella rider, I mean it's a couple of

(01:05:55):
grand a year. I mean, what the heck can you
buy for two grand a year? And in terms of
medical expenses and stuff, I mean, in my business, I
routinely see people that have, you know, a cat scan
at the er for ten grand. Well, for twenty percent
of that, I can cover four million dollars of damages.
How in the world can there be a better deal

(01:06:17):
than that? No, I totally agree.

Speaker 4 (01:06:19):
I think medpay and YOUM coverage are two of some
of the most important coverages you can have. I want
to talk about that coming up, because somebody wanted to
know about medpay and when to use medpay, and I
know that Mark said there were certain parts of medpay
that people were trying to cash in on.

Speaker 1 (01:06:41):
And I forget what the exact terms of the case.

Speaker 4 (01:06:45):
Were, but he said that you helped him with strategy
when it comes to medpay. I hope that rings familiar.
I have to take this break and we'll talk about
it coming back. Oh with a sure thing Denver's best
roofer Excel roofing dot com. You don't pay a cent
until you're content time for an insurance checkup free, no obligation.

(01:07:11):
In comparison, call Compass Insurance. Paying too much your coverage
at dozens of insurance companies find out now three oh
three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Hi,

(01:07:35):
Tom Martino, I want to talk to Brian Burns at
Compass Insurance and wrap up something. By the way, they're
the home of the free insurance checkup as well, if
you want to know if you have enough coverage and
what it covers and if you're paying too much three
on three nine nine six nine thousand.

Speaker 1 (01:07:50):
Brian, we know that we've.

Speaker 4 (01:07:53):
Just heard that uninsured motorists coverage or underinsured. It's both
you as um which is underinsured or uninsured covers you
for all your pain and suffering and unpaid medical bills
and other damages, but.

Speaker 1 (01:08:07):
Not for your car.

Speaker 4 (01:08:11):
Right so, there is there an uninsured motors coverage we
can buy that would cover our car now? I know,
if you have the car financed or if you have
a newer car, you have collision coverage, and that in
essence covers your car no matter what. But what about
those who don't want collision coverage but they want to

(01:08:33):
be able. They figure if it's their fault, it's their fault.
But if it's not their fault, they want to be
able to get paid for their car.

Speaker 8 (01:08:42):
Yeah, and that would be uninsured motors property damage. So
it's only available for vehicles that don't have collisions. So
you said that exactly right. If they have collision, they're
covered either way. But if you have liability only on
your car, you don't have collision or comprehensive.

Speaker 11 (01:08:56):
But if you want some kind of coverage or liability okay,
now why liability limits, but just liability, you could have
an umbrella for that.

Speaker 4 (01:09:08):
Is that John talking on the air? I mean John, Uh,
somehow we had some double talk there.

Speaker 1 (01:09:15):
Let's let's talk.

Speaker 4 (01:09:17):
About the uninsured underinsured rider for your umbrella policy.

Speaker 1 (01:09:24):
Yep, okay, we're going to talk about that.

Speaker 4 (01:09:27):
Coming back because I hear the music, So Brian Compass
Insurance Group, if you could hang on for that, we'll
talk about how to get coverage for underinsured under your
umbrella policy. Then I want to talk about what underlying
limits you need to even get an umbrella. All of
that coming up. Go with a sure thing Denver's Best

(01:09:50):
roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance checkup. Free obligation
comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three all three
seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man

(01:10:12):
dot com to list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

Speaker 2 (01:10:19):
Yeah, ripped.

Speaker 1 (01:10:26):
News needs so you don't have.

Speaker 2 (01:10:31):
Come running as fast as we can.

Speaker 7 (01:10:34):
Shooter's gonna help coming man.

Speaker 5 (01:10:38):
This is the Troubleshooter Show Now Tom Martine.

Speaker 1 (01:10:44):
Hello, I'm Tom Martino. Welcome to the show.

Speaker 4 (01:10:46):
We're fighting for you, answering questions taking place, making your
life a little easier. And we have John Fuller with
us as our guests today from UH John Fuller UH
from Fuller Law, and he does personal injury law. Specifically,
he specializes in auto accidents and has been our expert
here for years.

Speaker 1 (01:11:06):
We also have for a couple topics.

Speaker 4 (01:11:10):
We went into the insurance realm and I asked Brian
Burns to come on as well. Brian is from Compass
Insurance Group and they do free insurance checkups for the
asking three oh three nine ninety six nine thousand when
they're not.

Speaker 3 (01:11:22):
Here, and.

Speaker 4 (01:11:24):
I would say eighty five percent of the time when
people call Compass they end up saving money. Not all
the time, but Compass will tell you, hey, we can't
save you, you have a great deal.

Speaker 1 (01:11:34):
And isn't that nice to know?

Speaker 3 (01:11:35):
Right?

Speaker 1 (01:11:36):
So, anyway, we've been talking about insurance and.

Speaker 4 (01:11:40):
There, you know, basically every now and then it's good
for my listening audience and for us to edify us
and to really clarify what insurance is all about.

Speaker 1 (01:11:53):
I want to be very basic.

Speaker 4 (01:11:55):
First of all, we all have to have liability coverage
that covers the other person when it's our fault.

Speaker 1 (01:12:04):
It covers the other party when it's our fault.

Speaker 6 (01:12:08):
And twenty percent plus in the state of Colorado don't
even have that.

Speaker 4 (01:12:14):
Mark.

Speaker 1 (01:12:15):
It's twenty fi. I believe. Wait a minute, I believe. Yeah,
like twenty five percent.

Speaker 6 (01:12:20):
Another around forty five percent have the state minimal.

Speaker 4 (01:12:26):
Yeah, and the minimum and coverage is next to nothing,
so liability covers.

Speaker 1 (01:12:34):
The other party.

Speaker 4 (01:12:35):
Then we have something called collision coverage, and that's no
matter what our car is covered, no matter whose.

Speaker 1 (01:12:44):
Fault it is.

Speaker 4 (01:12:46):
Then we have something called uninsured or underinsured motors coverage,
and that covers basically our bills when the other party
is either on a insured or under insured, and that
makes up seventy five percent of the motorists. Seventy five

(01:13:09):
percent are either underinsured or uninsured, so m coverage is
very important.

Speaker 6 (01:13:18):
Now, then you just real quick and Brian or John
can talk to this ironically, in the state of Colorado,
it's mandatory to have that.

Speaker 4 (01:13:27):
But the problem is.

Speaker 1 (01:13:29):
Mandatory to have what mark liability?

Speaker 6 (01:13:32):
No, no, no, it's I thought it was mandatory to
have hold on a second medpay Yeah.

Speaker 7 (01:13:41):
It's it's a mandatory coverage, but it can be waived,
which makes rise so it's not really mandatory really all mandatory.

Speaker 4 (01:13:48):
Yeah, and we didn't get to medpay, but medpay basically
if you had to sum it up, medpay pace for
your own medical bills or.

Speaker 1 (01:13:56):
Your passengers regardless of fault. Is that right? People?

Speaker 2 (01:14:00):
Yep?

Speaker 1 (01:14:01):
Okay?

Speaker 6 (01:14:01):
Does that cover you? Like you have medpay on your insurance,
I'm sure John. And if you're in my car, does
your own medpay.

Speaker 7 (01:14:10):
Kick in or no, it will, but it comes in second,
got it?

Speaker 4 (01:14:14):
Okay?

Speaker 1 (01:14:15):
So on medpay.

Speaker 4 (01:14:17):
I remember when Mark was in an accident, there was
some tricky stuff going on with medpay.

Speaker 6 (01:14:21):
No, no, no, let me explain what happened. So these hospitals,
and I'm sure John will attest to this, let me
tell you, they want to be first in line and
get that med pay money right, So never give them
the information. That's the best way I can put it.
And it's a hard lesson to learn. But you much
rather have that cash and have a good attorney like
John figure out where to dish out that money. Because

(01:14:44):
the hospital, these damn e ers, Tom, they will inflate
your bills so high. When Addie was in her accident,
I think an MRI and a what's the other scan?
Not a cat's a CT whatever it was, these two
scams were like forty thousand dollars. To give you all

(01:15:05):
my idea, So they want to apply whatever your medpay
is onto that instantly. That's ridiculous because a good attorney
like John, at the very end, after he gets all
the big money from the other insurance company, he'll go
back to that hospital and go, this is absurd. This
isn't forty grand. These should be about seven thousand dollars max.

(01:15:25):
And then he got all those bills brought down. And
if they apply it initially to those big bills, you
basically wasted your money.

Speaker 7 (01:15:33):
Is that a good way to put it, John, Well, yeah,
it's a flaw in the system that allows you know,
if you think about your health insurance, if a bill
gets sent to the health insurance, they have a contract
that allows them to reprice things down to it a
pre agreed upon price, and maybe for an MRI it
is you know, six or eight hundred dollars, so they
can bill five or ten thousand dollars for that MRI.

(01:15:56):
But at the end of the day, the health insurance
already knows they're only going to pay eight hundred bucks.
So the flaw in medpay is that, because they don't
have a contract with those medical providers, when they get
a bill for that ten thousand dollars, if they have
that much coverage, they just simply pay the ten thousand dollars.
And that's not how the legislature ever really intended for

(01:16:17):
that to work out. But that's how it happens in
the real world.

Speaker 4 (01:16:20):
Okay, I have a silly question, and it is a
silly question. But if medpay is paying it, and I
have other insurance or I'm going after the other party,
why do I care if they pay ten thousand for
a scan or if they pay two thousand for a scan.

Speaker 2 (01:16:36):
Why do I care?

Speaker 6 (01:16:36):
Because if John collected forty thousand dollars for me, because
that was the original er bill for Addie, he collected
forty thousand dollars from the adfault driver, he then negotiated
it down to say, ten thousand dollars. That put thirty
thousand dollars into my pocket.

Speaker 7 (01:16:56):
So okay, that's absolutely true. But here's the way I
look at it. I paid for ten thousand dollars worth
of value. I didn't pay for only twenty five hundred
dollars worth of value. When you know, because an insurance
company or because a hospital pot shotted the medpay and
got all of my dollars, So you're being victimized when
they do that because you've bought a lot more value

(01:17:19):
than you're receiving.

Speaker 1 (01:17:21):
Okay, and on medpay though time, what's that Brian?

Speaker 8 (01:17:26):
That that happens all the time. The hospitals will take
that money or I've seen ambulances try to get it
line to get it first, and they'll go straight and
get that metal.

Speaker 6 (01:17:35):
Because they can bill whatever they want their feeds. I mean,
honest to god, I've never seen a one industry.

Speaker 1 (01:17:41):
So let me get this straight. I want to make
this clear for people.

Speaker 4 (01:17:44):
So once your medpay paid the bill, you have lost
your ability to negotiate it down.

Speaker 7 (01:17:51):
Well, yeah, it's it's not outstanding anymore, but right, but
we do have the ability to force these hospitals and
stuff to actually run their bills through health and insurance
and and I mean there aren't things that we can do.
They're not really things that a consumer can do on
their own unless you really understand the laws and the
intricacies of this stuff. But it can also be applied

(01:18:12):
to your out of pocket maximums and copay, So you
really got to know how to navigate this area. And
even though we don't make a dime on anything to
do with Medpai, it's a huge part of what we
do and what we bring to the table on a
complex accidents.

Speaker 4 (01:18:28):
Literally, I want people to understand this.

Speaker 6 (01:18:29):
So the negotiations Fuller had with the hospital, the chiropractor,
the er, the ambulance company were what made us have
some actual money in our pocket. All that money would
have went to all those entities if John wasn't involved.

Speaker 4 (01:18:47):
So what you're saying is you collect on the actual
damages and negotiate the actual payment. Yeah, and then you
keep the you keep the rest.

Speaker 6 (01:18:55):
What's really strange about it is the fact you negotiate
the bills down that you're allowed to keep the overage,
which is like crazy because in a homeowner's claim, if
I only paid out, you know, ten thousand dollars on
a roof and they gave me thirty, they're going to
come looking for that twenty.

Speaker 7 (01:19:13):
It's a little It's not as crazy as you think
when you really look at the nuts and bolts of it.
You bought that coverage, you bought, you spent your money
up front way before that accident ever happened to have
protection in place in the event of a need right,
We're not going to let the ad fault driver benefit
and have less damages because you paid all this money

(01:19:34):
out over the years to have adequate protection in place.
So it really done it. It's not that hard to
figure out. We just don't give that guy credit for
what you did.

Speaker 4 (01:19:45):
Now, in talking about coverages, we also have to talk
about umbrellas, and umbrellas are confusing as well. Umbrellas cover
you when it's your fault, right, They you when it's
your fault. So if you don't have enough liability and
you're being sued, your umbrella coverage kicks in. But some

(01:20:09):
may argue, John and maybe Brian, you can answer this
that if you have an umbrella, you just made yourself
more of a target for a lawsuit. Yes or no, John, I.

Speaker 7 (01:20:21):
Don't think so, Because your damages are your damages. What
you did was make it more likely that you can
get you know, you can get covered in this event
for what you caused. Okay, so well, hold on, I mean,
let's put it differently. Your your liability is not limited
to the amount of insurance that you have. Tom If

(01:20:42):
you go out and do fifty thousand dollars of damage
and you only have twenty five of coverage, guess what
you still did fifty thousand of damage? There's nothing in
the law that says you get to get off for
just the amount of insurance.

Speaker 1 (01:20:55):
And that's where we come to the concept that you
ensure for.

Speaker 4 (01:20:59):
Your net worth because I agree because you need to
protect yourself. So if you're worth ten million dollars and
you think you're saving money by having minimums, they're gonna
look at you and say, we're suing you, you jerk.
We're not gonna take your minimums. So the more of
a target you are, the more insurance you need. So

(01:21:21):
umbrella policy comes in when you want to cover your
ass to keep yourself from being personally liable.

Speaker 1 (01:21:31):
You want insurance to pay the damages.

Speaker 4 (01:21:34):
So Brian, in that regard, if you have a workaday
person making good money, they make sixty seventy grand a
year and they're and they're like wanting to buy a
ten million dollar umbrella, wouldn't you discourage that?

Speaker 8 (01:21:50):
Well, I think underwriting would discourage it from the start.
You have to qualify. When you start getting limits above
five million. The underwriting wants to understand if well.

Speaker 6 (01:22:00):
They want to know if you got five million, Yeah, they.

Speaker 8 (01:22:03):
Would know that there's a need behind it. So that's
it's abnormal to get more than five million. That's what
a standard carrier did. And if you need more, there's
carriers that but it's it's abnormal. But yeah, I think
in general, when I'm talking to people, if if they
have no money, you know, I understand why they aren't
real interested in getting an umbrella they have no assets

(01:22:23):
or not worried about lawsuits. But I would say the
vast majority. The other piece to that whole thing is
that umbrellas are incredibly inexpensive. You're talking about, you know,
three hundred dollars a year for a million dollars liability.

Speaker 6 (01:22:35):
Brian, Brian, I agree with you there, but I want
to throw a little monkey ranch in there. We just
had this conversation with both of our kids. In order
to have that umbrella, which in their case, I bought
them for them. You know that I literally bought each
of my kids an umbrella in the past month. They
were only like four hundred bucks for a million dollars
additional in coverage, but out of their own pockets. They

(01:22:56):
had to have that two fifty five hundred minimum on
her car insurance, which does cost more.

Speaker 4 (01:23:03):
Yeah, Mark that that that umbrella, that million dollar umbrella
may have been a bit premature.

Speaker 6 (01:23:08):
For no, no, no, because if they get injured, I got.
I can't beat this through people's heads enough. If someone
injures my daughter, okay, and she can't work for two
or three market, we're not at working. The only coverage
they have for themselves is that freaking umbrella.

Speaker 4 (01:23:25):
Only if you have Mark, whoa, whoa, whoa whoa.

Speaker 2 (01:23:28):
That's what.

Speaker 1 (01:23:29):
But but but hold on, guys, guys, hold on.

Speaker 4 (01:23:33):
I think we're confusing people, and I can tell by
the text I'm getting when we talk about umbrella.

Speaker 1 (01:23:39):
We were talking about liability to others.

Speaker 4 (01:23:43):
Mark just talked about an umbrella for UM, which is
totally different if you buy a.

Speaker 6 (01:23:48):
Regular But if you have what umbrella do we have
for Mark?

Speaker 1 (01:23:52):
Will you wait one second? Please wait one second.

Speaker 4 (01:23:55):
The normal umbrella does not carry UM car ridge unless
you specify it. And that's the one that you bought, Mark.
That's what I want to make a distinction of people think, well,
I don't need an umbrella, but if they have, like
you said, Mark, you're saying there's some kind of rider
on the umbrella I just bought. That's exactly and I

(01:24:15):
wanted people to know that because a lot of people
don't understand that they need a special rider.

Speaker 1 (01:24:21):
That's the only point, Brian.

Speaker 4 (01:24:23):
Explain that please, because people might buy an umbrella thinking
they're covered for themselves and they're not.

Speaker 2 (01:24:29):
Yeah.

Speaker 8 (01:24:30):
Absolutely, it is a writer, and I would say the
majority of carriers don't even offer it. So your prototypical
carriers like in all States or I don't even think
State Farm or you know, a lot of them don't
even offer an endorsement to put excess uninsured motorists. And
that's what it's called excess uninsured motors that you can
put on an umbrella policy. The one that I got

(01:24:52):
Mark is a carrier that does offer it, and of
course we added it on there. But yeah, that's what
he's referring to. There is there our companies that allow
you to add on excess on insured motorists.

Speaker 4 (01:25:04):
And that is really important for young people that have
great jobs if they're knocked out, as Mark said, if
his daughter or son are marked out of the labor
market for any period of time, they're going.

Speaker 7 (01:25:16):
To eat that up.

Speaker 1 (01:25:17):
And that's exactly what it's for.

Speaker 4 (01:25:19):
So people, when you buy an umbrella coverage, it is
to protect your net worth if it's your fault and
somebody else you're responsible to.

Speaker 1 (01:25:29):
But the rider is really important for you.

Speaker 4 (01:25:34):
So if you don't have enough uninsured underinsured motorist coverage,
the umbrella for that kicks in.

Speaker 1 (01:25:40):
But only let me just.

Speaker 6 (01:25:42):
Ask Brian something out right. On those two policies I
just bought, you're saying if I just bought them without
the rider, those policies they wouldn't cover that. How about
the one you sell me every year Undermine, Because when
I renew it, we send a check in. I don't
see anything like I've got to check a box in
order to do this through that Brian, you do.

Speaker 8 (01:26:02):
It's actually it's automatically renewing it the same way that
we originally wrote it.

Speaker 6 (01:26:06):
But I got it on that.

Speaker 8 (01:26:08):
Renewal that states unexcess on insured motor I got it,
thank you.

Speaker 4 (01:26:12):
Right so, but but it's not automatic. If you go
out to a carrier, maybe with Compass they would explain
it to you.

Speaker 1 (01:26:19):
But we can't depend on other brokers.

Speaker 4 (01:26:21):
And I know like State Farm.

Speaker 6 (01:26:23):
I don't know about All State, but I know for
sure State Farms umbrella does not cover you in all right.

Speaker 4 (01:26:32):
By the way, I'm right way over time and we're
going to take this break. We have more coming right up.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,

(01:26:54):
call Compass Insurance paying too much your coverage at dozens
of insurance companies. Find out now three out the free
seven to seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two.

Speaker 1 (01:27:13):
Hi Tom Martino here, Brian Burns. I'm going to let
you go.

Speaker 4 (01:27:18):
I just want to ask one question. I got a
text about here and they want to know as far
as umbrella coverages go, if you if you have an
umbrella policy, when do you invoke it? It has to
be when your underlying policy is exhausted, right, that's right.

Speaker 8 (01:27:40):
Yeah, And if there's a large loss usually not always.
Usually the umbrella policy is with the same carrier that
has the underlying policy, so they're aware. But if there's
a large loss and they're with two different carriers, you
need to notify them of the loss just so they
can be involved, but they really won't jump in until
they know those limits are exhausted.

Speaker 4 (01:28:00):
And what limits are required to get an umbrella? Do
they differ according to the umbrella or do they all
specify the maximum amount?

Speaker 8 (01:28:09):
It differs between carriers. So most carriers in the industry
would require two hundred and fifty thousand per person, five
hundred thousand per accident, with one hundred thousand per property
damage liability. That's the normal underlying requirement. There's some that
require five hundred per person, five hundred per accident, and

(01:28:30):
then one hundred thousand. Hey, it depends.

Speaker 4 (01:28:33):
Yeah, I got a question for you too on this.

Speaker 6 (01:28:36):
Let's say something like my daughter who's got her main
insurance through Safeco or whoever it is, then the umbrellas
through a different one.

Speaker 4 (01:28:44):
If she somehow renewed her.

Speaker 6 (01:28:47):
Safeco and actually did it at let's say a hundred
thousand dollars limit instead of that two hundred and fifty,
what happens to that gap? Does she have to come
out of two questions? One does it create a gap
or does it avoid the umbrella too. If it does
create a gap, my understanding would be she'd have to
come out of pocket for one hundred and fifty thousand.

(01:29:09):
In that scenario, then the umbrella would take over.

Speaker 8 (01:29:12):
That's right, It would not avoid the umbrella. The umbrella
would still have to step in, but only after that
two hundred and fifty thousand dollars limit was achieved. So
in essence, it becomes a retained limit or a deductible
if you will. Is what you've done to yourself by
having that gap.

Speaker 4 (01:29:29):
Yeah, oh, I get it. And that'd be a hell
of a deductible.

Speaker 8 (01:29:32):
Yeah, that'd be a big one.

Speaker 4 (01:29:34):
And so Brian, to make things simple, you ensure for
what people can take from you.

Speaker 8 (01:29:42):
Yeah, yeah, I mean exactly, because that would encompass that
statement would encompass both your physical assets that you might have,
and you know what like loss of wages if you
have a good paying job, even if you don't have
a ton of assets, they can come after your wages
if you are found responsible the events of an accident.
So you just want to make sure you're protecting yourself. Well,

(01:30:04):
I think off today's standards. I mean, we tell people
it's very hard to find a case that you should
have less than two hundred and fifty thousand per person
five hundred thousand per accidents. As far as on your
bodily and reliability, just because it can get there so quickly.

Speaker 4 (01:30:22):
Right, okay, Brian Burns, thank you Compass Insurance three h
three nine nine six nine thousand. As I said, free
insurance checkups three oh three nine nine six nine thousand,
John Fuller. As far as litigation goes, have you heard
of the strategy called equity stripping? Obviously it has to
be done before you're the target of a lawsuit, but

(01:30:45):
can you fight it once you have a defendant who
has done this equity stripping?

Speaker 1 (01:30:52):
Somebody texted it to me and I looked it up.

Speaker 4 (01:30:55):
It's a legal asset protection strategy that reduces the value
of your assets, like at a revocable trust. No, here's
listen to this mark.

Speaker 1 (01:31:07):
It's the first time I ever heard of it.

Speaker 4 (01:31:09):
You create or use an LLC entity like a family
partnership or it can be a trust, but you control it,
and that entity issues a loan to you secured by
the house, and on paper it shows that there's no

(01:31:30):
equity in the house. The recorded lean shows the property
as heavily leveraged. Even if the loan proceeds were placed
in a protected account or trust that you control. So
you literally take an amount of money like five hundred thousand,
and you put it into a trust or one hundred

(01:31:52):
thousand or fifty thousand, and the house secures that amount.

Speaker 1 (01:31:56):
Have you ever heard of that, John Well, I have not.

Speaker 7 (01:32:00):
Heard that term before, but I understand the concept and
and and we've been calling that essentially fraudulent transfers for
years and years.

Speaker 4 (01:32:08):
And and you have no really I know that, but
but people people, they do it.

Speaker 1 (01:32:13):
Go ahead.

Speaker 7 (01:32:14):
The point is that you're still responsible for the judgment
for the damages that you caused. And so what you're
talking about when you're when you're looking at equity and
properties and stuff like that, is how collectible is the judgment? Okay?
And so if you've stripped out all of your assets
right into leans that are going to show up as
fully encumbered properties, then you better also be hiding that

(01:32:37):
equity somewhere. And that's where you're going to get into
trouble with fraudulent transfers, because you can't, you know, if
you're talking about using some shell LLC out there and
some angel investor to come along, that's a whole different
level of fraud that's going on. That's why it's illegal
in most states.

Speaker 2 (01:32:52):
To do that.

Speaker 4 (01:32:54):
Well, it's ill if there's a look back period, but
it says okay, but if you have it in place
now and in five or six years you get into trouble.

Speaker 1 (01:33:03):
The idea is not necessarily to prevent.

Speaker 4 (01:33:07):
Judgment, John, because as you said, what difference does it
make if you get a judgment against you?

Speaker 1 (01:33:13):
You're going to go into that money to pay it.
I mean, you are whether but if.

Speaker 6 (01:33:17):
The house is fully lean, let's just take a million
bucks so they you lean it for a million. I
think what John was saying is where's that million dollars.

Speaker 7 (01:33:25):
In the show? Yeah?

Speaker 4 (01:33:27):
No, and again it in this case scenario they say
you either put it into regular cash flow and it's
spent over time before it becomes an issue, or it's.

Speaker 1 (01:33:39):
Put into a trust.

Speaker 4 (01:33:40):
The point I'm making is this, it's not to prevent
you from getting a judgment, but it makes you less
of a target because many people, when they do asset searches,
won't go too much farther than seeing that the home
is leveraged to ABC LLC. So, John, is it true

(01:34:01):
that attorneys do asset searches or asset or a net
worth investigations of course, because you want to know should
you settle for the insurance or.

Speaker 1 (01:34:14):
Do you go after the individual?

Speaker 7 (01:34:16):
Yeah. Absolutely, we want to know what the full focus
your picture is before we decide what to do and
what to release and for how much money.

Speaker 4 (01:34:24):
So therefore, I guess this strategy doesn't necessarily excuse you
of a judgment. I mean, if you're guilty or guilty,
and again, you'll use whatever money you have to pay it.
But it's to make you less of a target when
people start looking into you. So they look into you
and see that you don't have much equity in something, John,
how likely do you think it would be if an

(01:34:47):
attorney saw that this asset was totally leaned, would they
go to see who has the lean?

Speaker 7 (01:34:54):
I think it depends on how much money is involved here, Tom,
I mean if you're seeing fully encumbered properties, I mean,
how often does that really happen. It's almost unheard of
that you walk into a bank and get one hundred
percent loan to equity loan on something. So you're you're
talking about some fairly sophisticated people and some financial tools
that are just not that common. So if I encounter

(01:35:16):
that and I see a bunch of LLCs and stuff,
it's going to raise my spike licenses to the point
where I'm going to go a bit deeper in my
asset evaluation to find out, and it may end up
causing me to go into litigation. So I've got the
ability to fully depose that guy and to go you know,
get all proctologically and really finances.

Speaker 4 (01:35:37):
And john in reality, if you think about it, I mean,
my goodness, if you're going to go through all that trouble,
it's probably cheaper to just buy the damn insurance.

Speaker 1 (01:35:45):
It would be for sure. We got more coming up.

Speaker 4 (01:35:54):
Go with a sure thing Denver's Best roofer Excel Roofing
dot com.

Speaker 1 (01:35:58):
You don't pay a cent until your ten.

Speaker 4 (01:36:03):
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi, Tom Martino

(01:36:29):
here three O three seven one three talk seven one
three A two five five. We've been talking a lot
about insurance. And then Deputy d he said, Hey, I
asked some questions specifically about my umbrella, and I asked
John Fuller to look it over. What were the questions
that you had d to begin with?

Speaker 10 (01:36:49):
Well, Tom, basically, I mean there are general questions because
over the past year or so, what I've heard John
say is that one of the most important things you
can consider when you're buying insurance is you're actually insuring
your elf, and there's a way to do so when
this umbrella policy in the event of a car crash.
So I sent John a copy of the umbrella policy

(01:37:09):
that I bought from Brian over at Compass just a
few months ago, and the you know, the primary purpose
of that where there are two primary purposes. One is
I want to be covered for myself to the maximum
extent possible. But then the other part is if I
got forbid doing injure somebody in a crash, I want
that person to be able to get the biggest possible
check that an insurance company can possibly write to them.

Speaker 1 (01:37:31):
So my question for.

Speaker 4 (01:37:32):
John, is for beyond your ability to pay it. In
other words, you just want to do it altruistically.

Speaker 10 (01:37:38):
Well altruistically for one, and also protect the rest of
my assets.

Speaker 7 (01:37:42):
That would be number two.

Speaker 10 (01:37:43):
And so that's kind of an open ended question for John.
So I thought i'd send that policy over to him,
which I did a few minutes ago, just to get
his perspective on it, to kind of give us, you know,
give it a good, good lookover and see if I've
accomplished anything.

Speaker 7 (01:37:58):
Okay, you know, So here's the thing. You've got a
lot of coverage, and it's a good policy with a
reputable carrier, and it's probably enough to cover ninety nine
percent of the accidents that are out there enough, and
so in that respect, you're probably covered. I mean, there

(01:38:19):
are so very few million dollar, two million dollar cases
from a liability perspective, you know, the odds are in
your favor that you're never going to cause one of
those accidents. But I look at it solely from my personal,
you know standpoint. I look at insurance as a way

(01:38:40):
to protect me and my family in the event that
somebody else runs into me, and the liability is good
and important, you know, I want to have the right
amount of coverage and stuff. But I'm mostly important, or
I'm mostly concerned about protecting me and my family, because
if I got hurt or killed and I was not

(01:39:00):
able to work, that impact is going to go way
beyond a minimal limits policy for some Yahoo in Colorado
or or better yet, somebody that has no insurance. So
I'm buying the insurance so that my family is protected me.
So in that respect, you've got a million, and we
talked about it earlier. You've got two million in liability coverage,

(01:39:24):
but only a million in uninsured motorists. Now that's going
to add on to your two fifty below, So it's
technically one point twenty five in protection, and only you
know whether that's enough, Dmitri. If that's enough for you
and your family and income stream to be replaced for
the foreseeable future, that may be enough. It's different for everybody, right,

(01:39:48):
but you have to just balance your needs and your
assets and your comfort level and risk tolerances to know
whether it's enough. You ask earlier about medpay and you've
got twenty five thousand. I don't see the need and
going much beyond that because of the abuses that we
talked about earlier. Medpay is great, but having a big,
huge pot of medpay, I think kind of incentivizes these

(01:40:10):
these hospitals and stuff to get as much as they
can paid at full one value instead of going through
your health insurance. And really and truly, you know, once
you've covered your out of pocket maximums and your co
pays for that event, you know, I want everything else
to go through my health insurance so that they will
fully reprice that down to the lowest amount possible for

(01:40:33):
me to have to deal with, because whether I'm paying
them back or not, I want that medical service to
be at the lowest you know price that I can
get it.

Speaker 4 (01:40:42):
For, right, especially because it puts more money in your
pocket too when you can negotiates.

Speaker 7 (01:40:48):
Yeah, exactly that reason. You're right, all right.

Speaker 1 (01:40:51):
We have more coming up on the Troubleshooter Show.

Speaker 4 (01:40:58):
Go with a sure Thing best Roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when

(01:41:20):
you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, you're
a troubleshooter. Three oh three seven one three talks seven
one three eight two five five. Okay, So I had

(01:41:41):
a question about health insurance and medpay? Can your health
insurance require I know they ask questions, and that one
of the questions I get and when I go to
a clinic for something or my clinic is is this
the result of an auto accident or somewhere where a
third party could be liable? So, John, can your health

(01:42:05):
insurance literally turn down a claim and want you to
use your medpay?

Speaker 11 (01:42:10):
No?

Speaker 7 (01:42:11):
They can't.

Speaker 4 (01:42:12):
Why did they ask?

Speaker 3 (01:42:12):
Though?

Speaker 4 (01:42:13):
Why do they ask those questions?

Speaker 7 (01:42:15):
Here's the one hundred percent of the answer is because
every health insurance out there, if they pay claims that
were the fault of some other party and you're pursuing
damages against that party, they have written into their contract
that they have the right to get paid back. And
so the only way they can find out is by

(01:42:37):
asking you where these a car wreck, and then they'll
go on to ask, you know, are you are you
founding a claim because obviously if it's a car you
cause they don't have a subrogation right.

Speaker 4 (01:42:48):
So let me get this straight. Then, if I was
in an accident and it was someone else's fault and
I used my health insurance, my health insurance can come
after a settlement.

Speaker 7 (01:43:00):
Yes, sir, absolutely, they will do it every time.

Speaker 4 (01:43:03):
And when they do come after a settlement, can you
negotiate it down?

Speaker 7 (01:43:07):
Yeah, and we do that. But what you can't do
is say, by dang it, it was not my fault.
I'm not paying them back a dime. You know, there
are circumstances, and we even have a law in Colorado
that say that sometimes you're not made whole and they
don't have a right to get paid back. But every
contract starts with language that gives them the ability to

(01:43:27):
get paid back. It's called subrogation rights.

Speaker 1 (01:43:30):
Okay.

Speaker 4 (01:43:31):
A subrogation right, in short, is when an insurance company
can go after the one at fault.

Speaker 1 (01:43:37):
To get reimbursed.

Speaker 7 (01:43:39):
They typically go after you to get reimbursed from the
proceeds that you collected against the third party.

Speaker 4 (01:43:45):
Yeah, but it came from someone who is that fault.
I get what you're saying, John.

Speaker 1 (01:43:48):
You're correct. Thank you for that clarification.

Speaker 4 (01:43:51):
We have more coming up on the Troubleshooter Show and
we're going to talk more about insurance coverages, liability, injury,
and of course any can humor, problem, question or complaint.
Three oh three Martino three oh three six two seven
eight four sixty six or three oh three seven.

Speaker 1 (01:44:08):
To one three talk.

Speaker 4 (01:44:11):
Go with a sure thing Denvers Best Roofer, Excel Roofing
dot com.

Speaker 1 (01:44:15):
You don't pay a cent until you're content.

Speaker 4 (01:44:20):
Time for an insurance check up free, no obligation comparison
call Compass Insurance. Pay too much your coverage at dozens
of insurance companies find out now three oh three seven
seven one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two.

Speaker 2 (01:44:46):
Ripped. You needed that so you don't have come run
inches as fast as we can. Shoot 's gonna help.

Speaker 5 (01:44:59):
Come man, This is the Troubleshooter Show. No Tom Martino, Hey.

Speaker 4 (01:45:08):
Tom Martino here, Welcome to the Show three oh three
seven one three Talk seven one three eight two five
five John Fuller our guests today, Welcome to the show.
We're here to help you solve problems, answer questions, take complaints.
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home Innovations dot Com. All right, John Fuller's with us,
and I'm getting some texts and somebody said that they

(01:46:09):
had their health insurance inquire about the car accident. And
they did say they did ask me, do I have
medpay coverage? These health insurance people. They're not allowed to
force you to use medpay, are they.

Speaker 7 (01:46:26):
No, we haven't run into them forcing the issue. Usually
it's the hospital trying to find out whether you have
medpay so they can get in line to get it first.
That's typically the application. Now, you know, you can use
medpay for things like copays and deductible, so even if
you had medpay, it wouldn't really benefit the health insurance.

(01:46:48):
You're still entitled to the repricing component of your health insurance,
So whether you had medpay or not, I'd still want
to use them to reprice the bills and then pay
your portion of it out of whatever source you wanted.

Speaker 6 (01:47:01):
If you do run a medical bill through your insurance,
and I'm talking health insurance. So let's just say you
end up in the hospital and ultimately it is someone
else's fault that has coverage, but it got ran through
your health insurance. When that other person pays, do they
pay when your health insurance subrogates against that what do

(01:47:24):
they ask for the exact amount they paid out? Yes? Okay,
so they can't.

Speaker 7 (01:47:28):
Ask for more No no, No, they can't ask for
the build amount or anything else. They can only get
back and that's why. I mean I made the distinction earlier,
but it's a critical one. They don't subrogate directly against
the other guy's insurance policy. That's not cool because keep
in mind, we're holding that guy responsible for the full
amount of the medical bills, the actual build them out. Yeah,

(01:47:48):
and so it's none of their business, and we never
disclose to them what a health insurance might have paid
through their contract adjustments. So they subrogate directly against us.
It's it's me that has the obligation as a policy
holder to pay back my health insurance carrier. It's not
that third party that somehow has to do it.

Speaker 6 (01:48:09):
Besides fraud, what would stop somebody from running the medical
bills like the ambulance everything through their medical insurance, not
saying it was related to a car accident, then hiring
an attorney, getting all that money and keeping the money
and the health insurance never gets reimbursed.

Speaker 4 (01:48:29):
Yeah, and then is there in a safety net there?

Speaker 2 (01:48:32):
Well?

Speaker 7 (01:48:32):
Not really. I mean, you know, chances are they're going
to find out about it, and if they do, they
will a come after you for that money, and b
they won't cover anything that's related to that accident. Going forward.

Speaker 4 (01:48:45):
Got it?

Speaker 7 (01:48:45):
So when some people say, oh, I might need a
surgery in a couple of years, you could find yourself
with no coverage for that really expensive surgery because you
didn't pay them back for their six hundred dollars MRI
follow up that accident.

Speaker 1 (01:48:58):
Now John's hood.

Speaker 4 (01:49:00):
He texted me, wants to know what is the make
whole doctrine? I don't even know what that means. I
think what they mean is you're allowed to be made
whole or they can't subrogate. Is this something like that?
Explain it?

Speaker 7 (01:49:13):
Yeah, So the idea of made whole. The concept of
make whole is that it wouldn't be fair for an
insurance company to get paid back until the actual injured
party has been made whole. Okay, So I completely agree
with that. But there's there's a problem. There's there's different
sets of rules that control insurance company. Some of them

(01:49:35):
are regulated by a federal set of guidelines and laws
called ARISA, and others are regulated under this state state
of What does it mean? Yeah, what does it mean
to be made?

Speaker 1 (01:49:46):
Okay? Go ahead.

Speaker 7 (01:49:47):
So for those policies that are regulated by the state
of Colorado, we have something called the made whole doctrine.
And what that says is when we have a case
where policy limits are paid. So let's assume our twenty
five thousand dollars policy. When they pay those limits, the
fact that they're paying you all of the insurance gives

(01:50:07):
rise to a presumption that you were not made whole.
So think about that. If you were paid less than limits,
they would say, well, you were made whole because we
paid you everything that you had and it might get
out to your limits. But if you I get limits,
the argument could be made and it's true that your
damages must have been more than the limits. Okay. And

(01:50:28):
for a case where it's a state regulated health insurance
program mostly it's small employers, okay, then the law says
that there's a presumption that you weren't made whole. And
although it's a rebuttable presumption, we're not going to allow
that insurance company to get paid back at all.

Speaker 4 (01:50:46):
So and so, and that does the future So the
insurance company, the insurance company can only get paid if you.

Speaker 1 (01:50:54):
Were made whole. First, that's correct, yep, because.

Speaker 4 (01:50:58):
They're assuming how can you pay back the insurance company
if or if you haven't been made whole? You're not
even at ground zero, let alone paying them back. Okay,
So you have to be to ground zero first, then
we and who determines whether or not it's beyond policy
limits or not. And are we talking about policy limits

(01:51:19):
for health insurance.

Speaker 7 (01:51:20):
No, we're talking about the claims against the Apahult driver
and the limits that that person is.

Speaker 1 (01:51:27):
Okay, got it.

Speaker 4 (01:51:28):
So if you get the if you get a settlement
from the other party and they paid out the policy limit,
you can make the argument that I was not made whole.

Speaker 7 (01:51:39):
The law presumes that you were not made whole, and
so that shifts the burden to the health insurance company
to come back and prove that you were. And so
they would have to initiate a proceeding and have a
court hearing where they would put on evidence that shows
that even though you know that, even though this presumption
of not being made whole applies, that in fact, you

(01:52:00):
were made whole in their subrogation. Right, never happens, almost never,
I've only.

Speaker 4 (01:52:05):
Okay, now you said that's for state licensed. What does
that mean for so?

Speaker 7 (01:52:12):
Insurance companies fall into two categories, those that are regulated
under the state Division of Insurance and those that are
regulated under the federal ARISSA guidelines. Typically, the ARISSA guidelines
are for employers that have multi state operation or that
are self funded. So your bigger companies that have a
more national you know footprint and stuff, those are the

(01:52:33):
ones that typically fall under ARISSA based those if.

Speaker 4 (01:52:36):
You buy it on the exchange, it'll come into play.

Speaker 7 (01:52:40):
Yeah, pretty good chance of it. Yeah. But those that
fall under ARISSA, their rights to subrogate are almost I
mean from on high and no state made whole law
has any bearing at all. They're going to be getting
their money back and we're going to have to deal
with them.

Speaker 4 (01:52:56):
Okay, So if they are federally, if they are a
federal company, they can come after us no matter what.

Speaker 7 (01:53:02):
Yep.

Speaker 1 (01:53:04):
Okay. But most people are going to have state companies.

Speaker 7 (01:53:07):
Right, No, probably most of them are arisk of qualified.
It's really the minority of policies that are the smaller.
It really comes down to this time. If your employer
is a local company, like with just a Colorado footprint,
chances are you're probably going to be a state regulated
health insurance plan. If, on the other hand, you work

(01:53:27):
for a company that's got ten different you know locations,
they run a national contents and stuff. Chances are pretty
good it's going to be an arisk qualified policy.

Speaker 4 (01:53:35):
Well, let's just talk about this, John, How aggressive are
health insurance companies for reinverse reimbursement?

Speaker 7 (01:53:42):
As aggressive as they can be? They want them wow wow.

Speaker 1 (01:53:48):
And when they come after you, they come after you
at full retail.

Speaker 7 (01:53:52):
No, they come after you at the exact amount of
money that they paid out. Okay, So richel would be
the build amount, you know, and then the paid amount
would be the amount that they repriced it down to,
and then they paid but.

Speaker 4 (01:54:06):
Even okay, so they paid a discount rate to begin with,
of course their negotiated rate. But they still want to
get that back. Then you can negotiate that down even further,
I do. Yeah, what incentive do they have to negotiate
it down lower if they know you got a big pot?

Speaker 7 (01:54:24):
Well, the fact that we can drag it out, we
can litigate it, We can cost them a lot of
money in both time and effort, and we might just prevail,
you know. So it's in their interest to work with
us to a degree. Now we also argue that, look,
if I went out and did the work, it's only
fair that you guys should you know, shoulder some of
the burden for fees and expenses and that kind of stuff.

(01:54:46):
And so the argument is that it's not fair for
you to get one hundred cents on the dollar of
what your claim is when okay, you know, when your
injured party here had to pay fees for me to
go out and get the money. So we use a
lot of different techniques. We all so go back and
we do our own repricing of these different procedures to
make the argument that they paid too much and it

(01:55:06):
should have been a lot lower.

Speaker 4 (01:55:08):
You know, are they are they pretty Are they pretty
amenable to negotiating or do they they know you got
a lot of money.

Speaker 1 (01:55:15):
Are they going to say hell no?

Speaker 7 (01:55:17):
They would like to say heck no on everything, But
I mean, yeah, they work with this. They understand the
way the world turns.

Speaker 6 (01:55:26):
It's pretty amazing at a hospital, they're the only thing
in the world that can charge you forty thousand dollars
to one person and five hundred dollars to somebody else.

Speaker 7 (01:55:36):
But do you want to talk about mamazing? What's crazy?
I'll give you a real life example. Okay, we just
had a case where John.

Speaker 4 (01:55:43):
Can you John can you do this, I want you
to remember this case and we'll do it right after this.

Speaker 1 (01:55:48):
A real life example.

Speaker 4 (01:55:49):
All right, So we have more coming up on the
Troubleshooter Show. We're going to get a real life example
of ridiculousness right after this. Go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check

(01:56:10):
up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find
out now three oh three seven to seven to one help.
You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three O three

(01:56:35):
seven to one three talk three O three seven one
three A two five five. So I just got another
email from somebody ripped off by a contractor. Contractors have
moved to the number one spot for problems, and uh
think about that. I mean, you know, over the years

(01:56:55):
there have been so many people that in the top five,
but number one contractors number two used cars. Used cars
dropped off the top five for a long time, but
they're back up with a vengeance. Since COVID, problems with
used cars have quadrupled people who buy pieces of junk. Now,

(01:57:16):
that's because in these cases, people are buying cars with
one hundred thousand miles or more, many of them one
hundred and fifty thousand miles. You can't buy a car
with one hundred thousand miles on it and expect to
be trouble free. It's not going to happen.

Speaker 2 (01:57:31):
Now.

Speaker 1 (01:57:31):
Of course, when I say that, I always get these
idiots who say, oh, I want a car with one
hundred thousand miles or one.

Speaker 4 (01:57:39):
Hundred and five and I've had it for six years
and I've never had a problem. I mean, there are outliers, okay,
But in general, when you buy a used car with
one hundred thousand miles, you will have trouble. There's no
doubt you will have trouble. One hundred and fifty thousand

(01:58:03):
miles you will have serious problems, and two hundred thousand
miles catastrophic problems. There is not a car in the
world worth buying with two hundred thousand miles unless it's
an outlier, one of those rare cases where someone meticulously
maintained it.

Speaker 1 (01:58:23):
But you're not going to find that most of the time.

Speaker 4 (01:58:25):
Okay, So instead of shooting for that outlier where you're
going to get screscrewed, don't even dream of it. Okay,
just don't unless you know the pedigree of that car
from beginning to end and can verify the maintenance and
repairs and the log of what was done.

Speaker 1 (01:58:49):
Don't bother. Don't bother now, if that means.

Speaker 4 (01:58:54):
You can't afford a car, I have a very a
very useful proposition, and that is buy a new car.

Speaker 1 (01:59:01):
That's right, Buy a new car, buy a low priced.

Speaker 4 (01:59:05):
New car with a great warranty, put the money down,
and get a loan. You will end up spending less
doing that than buying a used car.

Speaker 1 (01:59:16):
I can prove it almost every time.

Speaker 4 (01:59:18):
Or lease a new car. Yeah that's true too. Leasing
is a great option for some people. You have less
money down, less monthly payment because you're only paying for
the use of the car. But really, and truly more
people who buy these old pieces of junk should think
about buying newer cars now. Contractors, Why why are there

(01:59:44):
so many bad contractors out there. I think that a
lot of these contractors never even plan to do the work.
They basically collect money and they don't. They absolutely positively
do not do the work. They take the money and run.
We have so many people like that. It just pisses

(02:00:06):
me off, and.

Speaker 1 (02:00:07):
They get away with it.

Speaker 4 (02:00:08):
Why are they getting away with it because our authorities
will do nothing. They pass all kinds of laws, but
they won't do anything about it. They won't do anything
to really make.

Speaker 1 (02:00:22):
To make it less attractive to rip people off. They
just won't. I have let me see this one guy here.
Listen to this.

Speaker 4 (02:00:32):
He took eighteen thousand dollars and did absolutely nothing. His
name is American Bath Solutions, Peter COMPLETEO, Peter Complete Oo nice,
it's cum plido come pleto Peter American Bath Solutions.

Speaker 6 (02:00:59):
And he does He doesn't complete the job or complete
O the job.

Speaker 4 (02:01:03):
No, he's a piece of garbage and there are numerous
lawsuits against him. He's next on Sleaves Brigade Peter Completo.
In fact, they got to find a picture of him somewhere.
It's so much nicer when I can put a picture
up of these people on a Sleaves brigade a completo.
So what I'm saying is, if you want to make money,

(02:01:28):
become a contractor that doesn't do contracting. Just become a contractor.
You don't have to have a license, you don't have
to have any skill. You simply talk people into giving
you money upfront. And there are a lot of stupid
people out there that will pay money upfront, absolutely positively,

(02:01:48):
without question. We'll pay money upfront. They don't get you,
they don't know anything about you, but they'll pay you money.
We had that one woman who did the garage floor right.
She paid money, she had the job done. It's a
piece of crap job. The guys out of business. What
can she do?

Speaker 1 (02:02:05):
Nothing?

Speaker 4 (02:02:05):
Contractors, I think that there is the message has gotten out.
Come to Colorado, be a contractor, rip people off, and
nothing will happen to you. I think absolutely not almost
anywhere though, Tom Well in Florida. Guess what in Florida,

(02:02:27):
listen to this one. It's a felony to take money
up front and not do something. And it's more than
a thousand bucks or something. Now listen to this. There
are people that three strikes, you're out, You get a
life sentence. You think I'm kidding you. Three felonies in Florida.

(02:02:49):
Now they may have changed a lot. I don't know,
but I knew a contractor one time that was on
his third felony. If he didn't complete the job, he
would have gone. Could you imagine life in prison for
ripping people off as a contractor, I'll tell you what,
you would find a lot less people ripping people off.
Could you imagine if we had some strict laws here,

(02:03:12):
like you take money down and you don't do the work.
Why do they call it a civil matter? When the
guy has a pattern of doing it.

Speaker 1 (02:03:20):
Why do they do that?

Speaker 4 (02:03:21):
They call it a civil Oh, that's a civil action.
That's because they don't want to take the time to
investigate and prosecute. But more and more people should be prosecuted.

Speaker 6 (02:03:33):
I think just I'm not trying to strike up an argument,
or maybe i am. But Florida, I think it's number
one in financial fraud across the board. Man, it's because
so many older people live there. It's absolutely, I mean
it's crazy. I mean they just get ripped off left
and right.

Speaker 1 (02:03:48):
Yes they do.

Speaker 4 (02:03:50):
And you know all of the movers we found that
were bad, they're all located in Florida. Every single bad
listen to this bar none, every single ripoff mover. I
mean that's you know that online was headquartered in Florida.
Headquartered in Florida. And also, I'm not going to bring

(02:04:13):
this up as far as naming them. But when something's
a fact, does it mean that you're being hateful when
you talk about it? No?

Speaker 1 (02:04:25):
Okay, but it is a fact. But I'm still not
going to talk about it.

Speaker 4 (02:04:29):
One ethnicity one in Florida for all the moving ripoffs,
one ethnicity one. Now, if I mentioned who it was,
you'd say I'm being hateful or I'm being what's that
the French?

Speaker 1 (02:04:45):
In fact, I don't know. You never hear from French,
you never hear from French people.

Speaker 4 (02:04:50):
But anyway, in Florida, one ethnicity coming right from the
country to Florida setting up shop and ripping people off
in the moving business. It's almost like they sent out
a memo in the State Department, Hey, you guys, come
on over to Florida, set up residency and start ripping

(02:05:11):
people off up in Alligator Alcatraz.

Speaker 6 (02:05:16):
Nowadays not so much.

Speaker 1 (02:05:18):
Yeah, that's not true. No, I know these are these
are not illegal immigrants.

Speaker 7 (02:05:24):
I know which group you're talking about.

Speaker 4 (02:05:26):
Why is it, though, John, Why is it that it
happens that way? It's almost I swear to God, it's
it's like and I'm not lying. I am telling you
that I've gone through and they're all owned by the
same ethnicity.

Speaker 1 (02:05:41):
They don't all know each other. So how did that happen?

Speaker 7 (02:05:45):
Well, I mean, you know, I think that there are
opportunities to defraud the you know, the public that wants
somebody identifies one of those opportunities, or they identify a
crack in the armor if you will, then you know,
then a number of other people will step into, you know,

(02:06:05):
to take advantage of that, and it becomes almost you know,
endemic to that group because that's the that's the group
that they you know, that they they associate with. I mean,
it's just the same could be said of every other
group in different parts of the country. You know, we
we had we had car theftissues in Colorado with one group,

(02:06:28):
not dimitri you know, that's right.

Speaker 4 (02:06:31):
But but what's funny is neither of you will say
the name.

Speaker 7 (02:06:35):
Oh it's Cubans in Florida for sure. Yeah, Well, it's
no doubt about it.

Speaker 6 (02:06:39):
But Tom, I mean think about when people discuss the
mob and news and it's nothing about it's nothing about
Cubans in general.

Speaker 7 (02:06:46):
That's not the point. I think, by the way, by
the way, are owned by you know, by the way, Florida.

Speaker 4 (02:06:54):
The moving companies are not Cuban. They're not the ones
I'm talking about. Okay, all right, the moving companies, I
swear to God it I without even looking, I can
tell you who owns it and that they're in Florida.
When I hear the moving scam, and I think John's right,
it just gets to be around the communities and they say, hey,

(02:07:15):
I'm going to American and I'm opening up a moving company.
It's like, you know, there's good money to be made.
And let me just tell you how the moving scam works.
The first person you talk to are these ripoffs in Florida, okay.
And then once you talk to them, they sell it
sometimes to another ripoff company who takes the contract, and

(02:07:36):
then that company wants money when they come to pick
it up. And then they send it to another contractor
who then delivers it and they want even more money.
And sometimes you don't even get your stuff. It's amazing
to me, Hey, th reeal three, you brought.

Speaker 6 (02:07:52):
Up cars real quick. You were going either you or John.
You realize it was either twenty one or twenty two
Colorado Numero uno in the country for stolen cars. Think
about that number one in the entire country. That's amazing.
That tells me bad leadership.

Speaker 1 (02:08:12):
Well, you know, like like you said, yeah, you can't
make these things up. You can't.

Speaker 4 (02:08:19):
If I said there was one ethnicity in Florida that
has most of the moving scams and I didn't have it,
I didn't have the facts to back it up, then
you could say I was being hateful or I'm just
assuming that. So far, though, I'll leave it. I'll leave
it open. So far, I've not come up with one
moving company owned by other than these people.

Speaker 1 (02:08:41):
Not one. Now, that to me is an amazing thing.
Amazing to me.

Speaker 4 (02:08:46):
Three oh three seven, one, three eight two five five.
Go with a sure thing Denver's Best roofer Excel roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass insurance paying too much your coverage at dozens

(02:09:09):
of insurance companies find out now three three seven to
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot
com to list your home with Remax Alliance three three
nine two zero sixteen twenty two. Hi Tom Martino here, Welcome.

(02:09:32):
John Fuller's with us from.

Speaker 1 (02:09:35):
Full of Law.

Speaker 4 (02:09:35):
He's talking about auto accidents, personal injury. We're talking about
car insurance. What insurance is to have. Somebody wanted to know,
if you don't have medpay, can't you get the other party,
if it's their fault, to pay for your medical bills
right away?

Speaker 1 (02:09:54):
John?

Speaker 7 (02:09:54):
Almost? Never, I mean never. I'll just go ahead and
say never.

Speaker 4 (02:10:00):
Why is that, John, Well, because here's the thing.

Speaker 7 (02:10:02):
They don't owe them. You owe your own bills to
the hospital when you go to the hospital. They don't
have a contract with that guy that caused the accident.
They don't even know if that guy is accepting liability
for the accident. And there's no way to say, send
the bills to that other guy. It just doesn't work
that way. So they're going to build you and you're responsible,
and you can turn around and try to collect those bills.

(02:10:25):
But there's never been a case in my twenty five
years of doing this, where they've actually paid bills as
they were being incurred, you know, for somebody that didn't
have their own type of insurance. That's why we have leans,
and we have all sorts of different ways to get
people the treatment that they need because we have to
front load that treatment in order to get us to
the settlement table down the road.

Speaker 1 (02:10:48):
And what do you mean by leans?

Speaker 7 (02:10:49):
I mean we have arrangements where we can get you
the treatment that you need and defer the payment for
that medical care until the time of settlement in your case.

Speaker 4 (02:11:00):
Hmm.

Speaker 1 (02:11:01):
Okay, so I didn't realize that.

Speaker 4 (02:11:04):
So so you actually is it? Is it?

Speaker 1 (02:11:06):
Is it really like a written lean that you actually filed?

Speaker 7 (02:11:11):
Yeah, it's an official I mean these are legitimate companies
and doctors that that treat people on a you know,
regular insurance basis, but that also you know, are willing
to extend treatment to people that need it. Uh, with
the understanding that they'll wait to get paid until down
the road.

Speaker 1 (02:11:30):
Huh.

Speaker 4 (02:11:31):
And you don't and and and do you sometimes do
you negotiate these with a big group or with individual
providers or how is that done?

Speaker 7 (02:11:39):
Both? Sometimes? And then we have you know, ancillary stuff
like MRIs and surgical facilities and everything else. I mean,
it's not just the doctor. Think about all the different
entities that have to you know, provide services and the
and the rendering of medical care.

Speaker 4 (02:11:56):
Huh. Very interesting. Another question I have here is is
somebody said they were hit in a parking lot and
they exchanged information and even though it was in a
parking lot, they were parked and they sustained injury, but
they never got a police report, and it was about

(02:12:17):
three months ago. So it's almost impossible to pursue that now,
isn't it. I Mean, all this person has to do
is deny they were in that parking lot.

Speaker 7 (02:12:27):
Yeah, I mean that is tricky. And honestly, even if
you went to the police station and filled out a
police report and you put you know, Marx information on
the other side of the police report, that doesn't establish
that it truly was Mark. That was you know, the
cause of the accident. So you still have the burden
of proof. You have that burden, and so you better
take steps at the time of the accident to you know,

(02:12:50):
to protect yourself. So that's why I always recommend taking
photographs of the license plate. Take a picture of the
other driver, you know, take a picture of their license
and their registration and those documents that you can use
down the road to say, well, how in the world
did this guy get all these pictures of you and
your stuff and your license and your registration if it
wasn't you that was there in the parking lot.

Speaker 6 (02:13:12):
Hey, real quick, John, Going back to the lean, do
you literally, if you I assume at some point you
filed liens against never have had leans file against the claims,
do they actually do a UCC one on it?

Speaker 7 (02:13:24):
Some of them do? I mean by lean, I mean
it's truly a lean document saying we have a right
to get paid.

Speaker 6 (02:13:30):
Down the road, still have multiple people in line.

Speaker 7 (02:13:33):
It doesn't always get filed in a UCC type sense,
but it's a lean in the sense of like a
lean on your house. It's something that has to be
paid at the time that the settlement or the verdict
is taken care of.

Speaker 6 (02:13:44):
Gout it, Okay?

Speaker 4 (02:13:46):
So h three or three seven, one, three, eight, two
five five? You have a problem, question or complain? I
have another text.

Speaker 6 (02:13:53):
Wait, hold on, someone on YouTube just had a very
good question.

Speaker 7 (02:13:57):
Go ahead.

Speaker 6 (02:13:57):
So let's say a doctor or a chiropractor or an
ambulance company files a lien on it, okay or whomever.
It doesn't matter who what coms. If ultimately they end
up losing what and there is no money because there
is no judgment, do they generally the leanholder then come
after the individual. I mean, I would assume they have

(02:14:19):
no money, but if there is money, if.

Speaker 7 (02:14:22):
There is money, I would think that they would want
to get paid, you know, down the end or at
the end of the day.

Speaker 6 (02:14:28):
Yeah, do you see it a lot? I mean, I'm
just stuck on this because to me that would seem
so risky.

Speaker 7 (02:14:34):
Well, it is risky, but you have to do your homework.
And that's where the relationship with the attorney, you know,
comes into play, because I evaluate risk and I also,
you know, will verify the presence and the amount of
coverage on all the different insurance policies, and we can,
you know, we can evaluate all of these factors. You
can't just walk into a doctor's office and say hey,

(02:14:55):
I want to treat on Aleen. It doesn't work that way.
It It requires the doctor to have some assurance that
this thing is going to materialize down the road, and
generally that comes through the attorney because we're doing all
the back end work to make sure the doctors don't
go call the car insurance companies to verify their liability position.
So it's it, you know, it's it's just a matter

(02:15:17):
of the doctors saying, we're willing to help people because
we want to help people, but we also want to
know that just like with an insurance company, it may
be a couple months or so before we get paid
through that process. We want to know that ultimately we're
going to get paid through this process.

Speaker 4 (02:15:33):
Okay, this is a text I don't understand. They're upset
with me talking about the movers in South Florida, and
they said, how dare I cast dispersions on their nationality?

Speaker 1 (02:15:49):
And yet with you, I never mentioned the nationality.

Speaker 6 (02:15:53):
That's what I will, that they're busting your cajuntes