November 12, 2025 • 22 mins
GOT A LEGAL QUESTION? Gary Bell and Brad Pollock are joining me today at 2pm with a big announcement and to answer your legal questions live on the radio. I want to hear why you need an attorney. Find out more about them by clicking here.
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Episode Transcript
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Speaker 1 (00:00):
Gary, Brad Bell and Pollock. How you guys doing super?
Speaker 2 (00:04):
Ready to go?
Speaker 3 (00:05):
Introduce me to your new friend here. This is our
They announced me got a new attorney, right.
Speaker 4 (00:09):
His name is Justin Johansen, and there's a new part
of Bell and Pollock. We're really proud and Glad.
Speaker 1 (00:14):
Justin, welcome aboard.
Speaker 2 (00:16):
Thanks good to be here.
Speaker 1 (00:17):
Well, I don't know if you're.
Speaker 3 (00:17):
Gonna love this segment as much because we have people.
This is your opportunity. I call it ask the attorney,
And I love doing this segment because Gary, Brad, how
long have you guys collectively been doing personal injury law?
Speaker 4 (00:29):
I would say about forty five years?
Speaker 1 (00:30):
So brand new, right, just get me started.
Speaker 2 (00:34):
Brad New's a game right collectively?
Speaker 1 (00:36):
Yeah, like ninety years.
Speaker 5 (00:38):
I think more like ninety years. Yeah, I'm on together,
of course.
Speaker 3 (00:44):
And what I like to do is bring these guys
on and let you guys in the listening audience ask
questions questions. If you've been hurt, you haven't you got anything,
or you're having trouble, now's the time to call and ask,
and Gary and Brad and Justin can answer these questions.
Speaker 1 (01:00):
Now.
Speaker 3 (01:00):
I wanted to ask you guys last time you were in.
Let me give out the phone number. Three oh three
seven to one, three eighty five eighty five is the number.
That's three O three seven one three eighty five eighty five.
Last time we were in, I asked you for the
strangest case that you ever had. And since then I
have spoken to one of my father's old attorney friends
and I said, what is the strangest personal angory case
(01:21):
that you ever had in your lifetime? And he had
a case of a guy who had gone cat fishing. Now,
I don't know if you guys have ever been cat fishing.
Speaker 1 (01:28):
It works like this.
Speaker 3 (01:29):
You take a long fishing line and put a bunch
of hooks on it. You put chicken livers or whatever,
hot dogs or whatever you're using his bait, and you
just drape that across a busy area of a river
and you let it sit there, and then you sit
by campfire and you drink deer for an indeterminate amount
of time, and right.
Speaker 1 (01:44):
You run out of beer, and then you go and
you pull in the trot line.
Speaker 3 (01:46):
And you get your cat fish, and then you go
home and you have you have catfish for dinner.
Speaker 1 (01:50):
So he represented a guy.
Speaker 3 (01:53):
Who had pulled a trot line at the exact same
time the neighbor had had hit some cows.
Speaker 1 (02:00):
That had some kind of kerfuffle. We don't know what
happened to the cows.
Speaker 3 (02:03):
The cows raced across the pasture, broke through.
Speaker 1 (02:07):
The wire fence, crashed into.
Speaker 3 (02:09):
The guy pulling in the catfish trot line. He then
tumbles into the river, wrapping himself in the trot line
that had all these hooks and chicken livers on him
and basically covered himself.
Speaker 1 (02:20):
With these with these fishing.
Speaker 3 (02:22):
Line and he wanted the farmer to pay for his
medical fees. And I said, well, what happened? He said,
We got into court. The jets started laughing as we
were telling the story.
Speaker 1 (02:33):
Issued a summary judgment because it was like seven hundred
dollars or some ridiculously low amount like that, and the
farmer had to pay for the guy's injuries because his
cows knocked into him in a fence that was not sufficient,
and he had to pay for him and he paid
like a thousand dollars in damages.
Speaker 4 (02:48):
Or something like that.
Speaker 3 (02:49):
And I was like, you know what, I bet Ella
and Pollock have never handled a case.
Speaker 5 (02:52):
Like that, you know, I remember doing some cases years
and years ago about people who had their cat I
was get out on the road. Yeah, and it caused
an accident, and they're responsible for the cow's getting out
on the road.
Speaker 3 (03:06):
Well, in this that was the argument that they were making.
Three on three, seven one, three eighty five, eighty five
is the number to call if you have a question
for Bell and Pollock. Would you like to join us
in this? How I've never asked you, guys, why did
you want to be an attorney?
Speaker 4 (03:21):
Well, I've always wanted to be attorneyman. At our young age,
I read booked attorney books like Anatomy of a Murder
and you know, to Kill a mocking Bird. So that
was that was it rock and roll there you go go.
Speaker 5 (03:32):
So yeah, since fifth grade I wanted to be an attorney.
Speaker 1 (03:36):
Really, what makes you want to be an attorney.
Speaker 2 (03:38):
Because you got to argue?
Speaker 5 (03:40):
Oh gosh, yeah, that was the funnest part of life
was to argue with people.
Speaker 1 (03:44):
In my mind, and you've made a good living arguing
with people.
Speaker 5 (03:47):
I've made a career at arguing with people.
Speaker 3 (03:50):
When I was a kid, my father, also an attorney,
used to tell us like teach us to advocate for ourselves,
and as we got a little older, he said, I.
Speaker 1 (03:56):
Believe I have taught you too.
Speaker 2 (03:57):
Well.
Speaker 1 (04:01):
Why did you want to be an attorney?
Speaker 6 (04:03):
It came down to either a pilot. I want to
go to Colorado Springs Air Force Academy. But somehow the
fear of flying changed that decision. Yeah, And when I
was in sixth grade, for whatever reason, my teacher named
me the judge. He had a nickname for everybody. Why
he picked that? And I thought, oh, I'll be a judge.
(04:23):
And I went to law school to be a judge.
And then I got out and I'm like, I don't
want to be a judge.
Speaker 4 (04:28):
They really don't have a lot of power.
Speaker 6 (04:30):
The number one most powerful person in the courtroom in
terms of criminal was a prosecutor, because with the flick
of a pen, the prosecutor, not the judge, can dismiss
a case.
Speaker 2 (04:41):
I'm like, I want that power.
Speaker 6 (04:43):
So I did prosecution for about three or four years
and like, oh, I don't like this.
Speaker 1 (04:49):
Yeah. Well, I mean that's the thing about being a lawyer.
There's so many different avenues that you can pursue. You know.
I have a friend who wanted to be.
Speaker 3 (04:55):
In personal injury and now is one of the number
one copyright and patent. Can you think of anything more
boring than copyright and patent?
Speaker 4 (05:05):
Yeah, I've got to, but I can't think of any
more boring. But he does it.
Speaker 1 (05:10):
It's like it doing patent.
Speaker 2 (05:12):
Work is like nerds on steroids.
Speaker 7 (05:15):
Yeah.
Speaker 1 (05:16):
So I have a double electrical.
Speaker 6 (05:18):
Engineering degree, and so you're real slouch, thankfully, right.
Speaker 1 (05:23):
I always say I'm a family lawyer, but I don't.
Speaker 6 (05:24):
Practice family law because everyone in my family has a
legal question or needs help.
Speaker 1 (05:29):
Well, I mean and yeah, and my partner's.
Speaker 6 (05:32):
Wife ex wife got sick from mold exposure and that
got us into the whole world of litigation and mold litigation,
personal injury. So we flipped ip intellectual property to PI.
Speaker 1 (05:45):
Nice.
Speaker 2 (05:46):
I like that, So we do.
Speaker 1 (05:46):
We got the p's in the eyes.
Speaker 3 (05:48):
Let's see three O three seven one, three eighty five
eighty five is the number. If you have a question
for the lawyers, now's the time to ask it. Pat
in Littleton, you're on with Belle and Pollock. What is
your question?
Speaker 8 (06:00):
Wonderful? Thank you to hey. Quick question about a car
injury or a car accident where the other person that
hit us was found guilty, and we settled the the
value of the car. We're working through the injury component
of it. But the question I have is can you
(06:24):
recuperate the cost of interest by comparison to winning the
car was first financed, which was around five percent in
the cost of interest later that you had to do
to replace the car, which was a run around twelve percent.
So that's a big difference when you look at the
value of a fifty thousand dollars.
Speaker 4 (06:39):
Car, well, it is a big difference. And we get
this question a lot. We also get it with regard
to reduce value of the car after it's been an accident,
car Max and all that kind of stuff, And so
it's about a fifteen minute, pretty complicated discussion. Discussion because
of the results around revolves around a couple of legal
doctrines called race you to colder and collateral stop will.
(07:00):
But what means in English, what it means is if
you don't want to get payment for the car, now
you can include the car the property damage is part
of your injury case. Okay, but nobody wants to do
that because they want to get their car fixed, so
you really have no leverage to sue them on your car,
and they know that because of these doctrines, so they
(07:20):
try to beat you up and beat you down, and
they usually don't pay, so you can basically.
Speaker 1 (07:26):
You're what you're saying. I want to make sure I
understand what you just said.
Speaker 3 (07:28):
So you're saying that as part of your injury claim,
you could roll a cash amount into that injury claim
that would then cover that difference, only you cover it
under the injury claim instead of saying it's for the car.
Speaker 4 (07:39):
That's right, man. If you don't settle the property claim
to begin with, you settle the property claim, it's all
over with.
Speaker 2 (07:45):
Okay.
Speaker 4 (07:45):
You don't get interest, you don't get the difference, you
don't get the reduced value, you don't get anything. But
you cannot settle and wait. But nobody wants to do that, right,
And then you can wait and include it as part
of your injury claim.
Speaker 8 (07:57):
I see, thank you very much.
Speaker 1 (07:58):
Did you already set you already said the property claim?
Speaker 8 (08:02):
Yeah, the property claim has been settled. It's the injury
part of it that hasn't. So I guess I was.
So if I'm hearing that correctly, since the property claim
has been settled and we don't have any opportunity to
go back and get the difference of the interest of
the cost of Basically it's the cost of money.
Speaker 4 (08:17):
Yeah, right.
Speaker 5 (08:18):
And you know, I'll just tell you a lot of
times I tell clients because you're talking about an amount
that's not worth it to pay the lawyer to go
after the interest.
Speaker 2 (08:27):
It's significant to.
Speaker 5 (08:29):
You, but when you compare that to attorney's fees, it
doesn't work.
Speaker 2 (08:34):
But you know, I tell my clients quite often.
Speaker 5 (08:37):
Ninety percent when Gary and justin eighty ninety percent of
the case is settle at some point. And you know,
when I do my bottom line dollar amount, I'll roll
the interest into it. As far as just saying, okay,
my personal entry case, instead of being worth fifty thousand dollars,
is now worth fifty one thousand dollars, right, and I'll
roll that in and make them give that to me
(08:59):
in this I don't want based on the value of
the personal injury case and recoup it that way. So
as you're doing your personal injury case, just keep in
mind I lost money on the interest.
Speaker 2 (09:09):
I lost money on the interest, and see if you
can't get it rolled in a few extra bucks exactly.
Speaker 8 (09:13):
All right?
Speaker 1 (09:13):
Thanks Pat?
Speaker 3 (09:14):
Guys, hanging in there for just a second. We've got
people lining up on the phone. If you have a
question for Gary and Brad and Justin, call three O
three seven one, three eighty five eighty five.
Speaker 1 (09:23):
We'll get more of those. But I have a question
for you guys when we get back.
Speaker 3 (09:26):
I've always wondered, how do you settle on the first
number that you go in, Because I know how I've
been in mediations. I know how they work. The lawyers
come in and say we want X amount of dollars.
I want to know where you get that X amount
of dollars.
Speaker 1 (09:38):
I'm just curious. We'll do that after this, keep it
on KOA. I just want to know this text message.
Speaker 2 (09:43):
Guys.
Speaker 3 (09:44):
These Bell and Pollock guys are great. They should have
their own show on KOA. Maybe run it on Saturday mornings.
They could call it the Bell and Pollock did you
get hurt show? Thank you for that.
Speaker 1 (09:56):
Let me go to the phones here we got an Aurora.
What you got for Bell and Polock?
Speaker 9 (10:01):
Hey, guys, I just had a question about insurance. I
have two older cars that are over ten years old,
and I dropped the collision, kept the liability and I
was wondering that by exposing myself poorly, if I've been
an accident that someone else's fault.
Speaker 4 (10:17):
Okay, So if you're in an accident of somebody else's fault,
their liability insurance is going to pay you. But sometimes
they don't have enough. Sometimes they don't have any insurance.
And so what you need to do you can set
the collision aside. You can make sure you have liability
and make sure you have you I am under insured
(10:39):
motorist coverage. Make sure you have that covered because if
they have no insurance, that's where you go. And if
they don't have enough insurance, that's where you go.
Speaker 2 (10:48):
Well, hold on to your medpay too.
Speaker 5 (10:50):
If you've got make sure you get medpay on the policy.
It's mandatory for five thousand unless you wave it. Don't
wave it. It doesn't hurt to get a little bit extra.
And I knowbody's going to say you're your insurance agent
is going to say, well you have health insurance. Well
there's deductibles and copays. Hold onto that MedPage because it
can help you with respect to the deductibles in the copse.
(11:12):
But as far as dropping the cars and the liability,
you know where your biggest danger is if you cause
the accident, you can't get.
Speaker 2 (11:19):
To get them to fix your car.
Speaker 5 (11:20):
But if the other side caused the accident, they should
have a liability coverage for your car, so they're going
to cover.
Speaker 3 (11:29):
I just pulled this up while we're talking about this,
and estimated seventeen point five percent of Colorado drivers are uninsured.
If you are driving around without uninsured motorists coverage right now, there.
Speaker 1 (11:40):
Is a one in five chance.
Speaker 3 (11:42):
I mean, obviously the statistics don't work that way, but
that's really kind.
Speaker 1 (11:46):
That's crazy high.
Speaker 2 (11:48):
That's exactly right.
Speaker 4 (11:49):
But Maddy, I got to tell you we have a
story about that. We say on our show, okay, yeap,
and as you're in a jungle with your family, your
two little kids, right, and you come across this canyon
with an old rickety bridge and there's an attendant there
and the attendance and you say, is a safe to cross?
And the attendant says, there's one in five shants it'll
fall down er one.
Speaker 2 (12:08):
Of five jecks.
Speaker 4 (12:09):
You get in your car. Nobody has insurance. So you
get the picture.
Speaker 3 (12:12):
Now, yeah, yeah, and now I mean I'm seeing we
have a story on the blog today about more people
are delinquent on their car loans. And we all have
seen the cars driving around with no tags and those
people are not licensed.
Speaker 1 (12:23):
And it's just it.
Speaker 3 (12:24):
Is a terrible time to get into a car accident
in Colorado.
Speaker 1 (12:27):
It is a craftshoot. It's higher than the national average,
by the way, the national average is fourteen point five percent.
Speaker 5 (12:33):
And you can head your bet against a lot of
that just by having your UIM coverage, your medpay coverage,
having those in place, because that way, I don't care
what kind of insurance Gary has on it on the car.
I care about my insurance, and I know I've got
myself protected. And it's not that much more expensive, you know,
make your agent tell you the differences in the amount
and then realize it's worth it's worth it to get
(12:55):
the extra insurance, So get it.
Speaker 2 (12:56):
Keep yourself protected.
Speaker 3 (12:57):
Got a question, This is an interesting question from the
Common Spirit Health techt line. You can call three oh
three seven one three eighty five eighty five. Mandy question
for Bill and Pollock regarding ride share drivers. If a
no fault accident occurs with or without an active passenger
in the vehicle, that determines if the commercial insurance from
the ride share company pays versus the private insurance of
(13:20):
the ride share driver. Either way, repairs could take weeks
or even months. With some body shop the driver can't
make an income. Is there anything in the law to
support ride share or insurance companies to replace the driver's
income while the vehicle is being repaired?
Speaker 4 (13:37):
Okay, so Transportation Network statute. So the answer is no, there,
but you need to get your own private insurance that
covers that's your loss of income.
Speaker 1 (13:47):
Okay, what kind of insurance even is that?
Speaker 4 (13:49):
I mean, it's going to be it's going to be
car insurance, but it's going to have a special rider
and somes some companies don't ride it. And you're going
to do not lie, tell them you're in the right
share buil because they won't pay you anything, right.
Speaker 3 (14:02):
And they will absolutely find out yes, correct. Just anybody
who thinks they're going to get cute buying insurance and
not telling the truth is just stupid. I had a
customer when I sold life insurance that had terminal lung
cancer and lied on the application.
Speaker 1 (14:18):
And it was shocked when they turned him down. And
I'm like, what he didn't tell me?
Speaker 4 (14:23):
They're going to find out.
Speaker 5 (14:24):
Well, just take the premiums that you're paying him, throw
them away rather than giving insurance company because they're going
to find out and you're not. You've wasted your money
giving him premium. So it's just a waste because you're
not really getting coverage.
Speaker 1 (14:36):
Right, All right, let's go to John and Bailey. Hi John,
you're on with Bell and Pollock.
Speaker 8 (14:42):
Thank you, ma'am.
Speaker 9 (14:43):
I have a quick question.
Speaker 7 (14:45):
I hated deer made.
Speaker 9 (14:46):
My cause and the insurance company they cause it was
minor damage.
Speaker 8 (14:57):
What you guys said, I do ex step.
Speaker 3 (15:01):
Well, you dropped out on your phone, so you hit
a deer in the insurance company said, what.
Speaker 7 (15:06):
Does the car?
Speaker 4 (15:10):
Well, I mean sometimes that does happen. Total the car.
But do you have collision insurance on your car?
Speaker 5 (15:16):
Yes, sir, I have to coverage.
Speaker 4 (15:19):
Okay, well then they total the car. So now you're
going to get into a friendly not so friendly argument
of what the value of the car is. Uh, And
so you need to get your blocks lined up. Is
to prove the value of the car the highest value
that you can get. And and you know blue book
my Internet doesn't matter, Kelly's blue Book Nata, it doesn't matter.
You'd be able to prove the value of the car
(15:40):
because they're going to try to low ball you, and
you want to have your your proof where it's worth
X dollars instead of their low low amount.
Speaker 3 (15:48):
So now you said that you think the damage is
pretty minor, like you can drive the car now?
Speaker 5 (15:53):
Yes?
Speaker 1 (15:54):
Can you buy the car back from the insurance company?
Speaker 2 (15:57):
Sure?
Speaker 1 (15:57):
Yeah, how does that work?
Speaker 5 (15:59):
You'll get what's the salvage value title, and that decreases
the value of your car when you go to trade
it in or resell it. But if you plan on
keeping the car for a lot of time, you know
that salvage title doesn't matter at all. I've known people
who go to certain places around town where the cars
that are are are totaled, get fixed, and they get
(16:21):
a salvage title, and they're driving around really nice cars
that have been all repaired look great. And what doesn't
matter what kind of title you got if you're exactly
exactly and so you can you.
Speaker 2 (16:32):
Can negotiate with them. Now.
Speaker 5 (16:34):
One of the things you need to do is get
on the internet and check out all the cars in
your valve of your type with a similar mileage, with
a similar upkeep, with similar all the similar add ons
that are on a car, and so you can start
determining the value of your car because you want to
fight the value of your car and Kelly Bluebook and
(16:57):
Nada and all the different source is really don't tell
you the value of your car for your locality, right,
that's what insurance companies use.
Speaker 2 (17:05):
They use your locality.
Speaker 1 (17:07):
Okay, so John, you got a little work to do.
Does that help?
Speaker 2 (17:10):
Yes, ma'am?
Speaker 1 (17:11):
All right, thank you, John.
Speaker 3 (17:13):
Here's some interesting follow up questions about uninsured motorists courage. Mandy,
could you ask, if I have full coverage, why do
I need uninsured motorists coverage?
Speaker 1 (17:21):
Won't my full coverage?
Speaker 4 (17:23):
Coverage depends what quote full coverage means, and I mean
we'd be glad to talk to him on the phone,
but full coverage does it usually mean under insured motorists coverage?
Full coverage? You know, you're protecting yourself if you cause
an accident and that sort of thing. So that's why
you need you. I am if the other person, and
we just talked about it, has no insurance, if that
(17:45):
fall person that hits you has no insurance, you're going
to go to your UIM. And if you don't have
UIM you have nowhere to go, and if they have
not enough insurance, they say twenty five grand and your
medical bills are one hundred and twenty. Then you go
to your U. I am so that's where you go.
Speaker 3 (17:59):
Okay, Jerry, what their company? Because it doesn't exist, isn't covering?
Speaker 2 (18:03):
Yes?
Speaker 1 (18:04):
Okay, let's do a quick time out when we get back.
We've got a little old lady falling on a sidewalk
and the homeowner wants to know. Am I in trouble?
We'll do that next with Ellenbolick. A lot of you
were asking questions about uninsured motors coverage Umbrella insurance, which
is fantastic if you have a liability policy. But Gary
and Brad are here to help you after you screw up,
not before you screw up.
Speaker 3 (18:25):
So call your insurance agent and ask all of these
questions that you're sending to me. But I think this
next question from the Common Spirit Health techt line is
a good one. My elderly neighbor fell on the sidewalk
in front of my house. Is there any liability on
my part? She just fell, no snow, et cetera. But
I want to ask an adjacent question to that if
people do not clear snow from their sidewalks and I
(18:47):
slip and bust my kazoo, are they liable?
Speaker 2 (18:51):
Okay?
Speaker 4 (18:51):
So the first one, if no snow, no eyes, just
walking down. If there's no dangerous condition on your sidewalk
like a ray lip, like a big crack, like a
big hole, it's in good shape or it's in good shapes,
and I don't see any any liability for the home
for the homeowner. Yeah, it has to be a dangerous condition.
Speaker 5 (19:10):
Go take photos of your sidewalk right then, right now
where they fail. So you have a good, nice evidence
about the sidewalk being nice and calm, because you're gonna
think everything's fine until you get home one night and
you find out one of those cracks is raised because
all of a sudden there was ground movement the day
while you were at work.
Speaker 1 (19:27):
Right right now, what about my question? If somebody doesn't
shovel their walk, and I bust my.
Speaker 4 (19:32):
Kazoo, okay, because there's some Yeah, and so you're good.
They're gonna be liable because they're supposed to. They're required to.
They're required you by ordinances or required you by you know,
Douglas Caunyon, whatever, wherever you live, there's ordinances that you
got to get it clean. You have to have a
reasonable opportunity time, you know, to clean it off, but
you have to do it. And if it's if it's where,
if it's dangerous and it's not cleaned off, it's not treated,
(19:54):
it's not maintained, then there's gonna be liability period.
Speaker 3 (19:57):
I have run into that situation, I mean significantly where
just because of my cat like reflexes. I didn't hurt myself,
but it could have gone much differently. And I've wanted
to knock on the doors of these because their houses
are nicer than mine.
Speaker 1 (20:09):
Guys, I'm just saying, Okay, so I'm not saying I
would fall, but.
Speaker 3 (20:14):
I'm just saying, Steven Parker, you're on mc gary and Brad.
Speaker 1 (20:18):
We got a couple of minutes left.
Speaker 7 (20:20):
Hey, Mandy, thanks for doing this. This is great. I've
got a quick question. I have a current claim that
I just filed with my auto insurance. My car had
some damage out at de Ia parking lot and I
think it's vandalism. The estimator thinks it's vandalism, and the
insurance is coming back saying no, that's collision. And the
difference is my deductible is twice as much for collision
(20:44):
than what they call other than collision, which is vandalism.
Speaker 1 (20:47):
Why do you think it's vandalism.
Speaker 7 (20:50):
Because the tail light is smashed out and there was
plastic on the ground from the tail light, and there's
really no other bodily damage. There's a small little dent
next to the hill light, which they're saying that's where
somebody backed into it. But I mean it's I think
it's it's very ten point damage. And the estimator agrees
(21:12):
with me. So I'm in this back and forth with
the insurance right now and which one it is which
does affect my deductible greatly twice the amount.
Speaker 4 (21:20):
I'll tell you what you do. You asked them in
writing an email, whatever, You ask them, what's their proof?
It's it's it's what they call it. What is your proof,
mister or missus insurance company? What facts revenuce do you have?
Or is this just a guess so that you you
get a higher deductible from me? Ask them perfect and
(21:42):
tell them reference to me the part of the policy,
and tell me your evidence and give me your file
if you have pictures, give them to me. If you
took a statement of somebody, give it to me or
are you just guessing from from the seat of your pants?
Speaker 2 (21:53):
Right?
Speaker 4 (21:54):
And if they are, then your I like your chances
on this one.
Speaker 8 (21:58):
Okay, all right, give me a favorite.
Speaker 3 (22:00):
I need you to to send me an email after
you do that. I want to know how this turns.
Speaker 1 (22:02):
Out a man.
Speaker 3 (22:05):
Thank you if anything, If you need anything, And I
always say I hope my listeners never need to call
Bell and Pollock, because that means you have been hurt
by someone else. It's not your fault, but you have
all the repercussions, and you've got to call and get
your free legal game plan. Like our text to earlier
texted in you already had his free legal game plan.
You got to call in and get that. Guys, thanks
(22:26):
for coming in. We'll see you again next month. Three
oh three seven nine fifty nine hundred is their number
or Champions of the People dot Com
Gary, Brad Bell and Pollock. How you guys doing super?
Speaker 2 (00:04):
Ready to go?
Speaker 3 (00:05):
Introduce me to your new friend here. This is our
They announced me got a new attorney, right.
Speaker 4 (00:09):
His name is Justin Johansen, and there's a new part
of Bell and Pollock. We're really proud and Glad.
Speaker 1 (00:14):
Justin, welcome aboard.
Speaker 2 (00:16):
Thanks good to be here.
Speaker 1 (00:17):
Well, I don't know if you're.
Speaker 3 (00:17):
Gonna love this segment as much because we have people.
This is your opportunity. I call it ask the attorney,
And I love doing this segment because Gary, Brad, how
long have you guys collectively been doing personal injury law?
Speaker 4 (00:29):
I would say about forty five years?
Speaker 1 (00:30):
So brand new, right, just get me started.
Speaker 2 (00:34):
Brad New's a game right collectively?
Speaker 1 (00:36):
Yeah, like ninety years.
Speaker 5 (00:38):
I think more like ninety years. Yeah, I'm on together,
of course.
Speaker 3 (00:44):
And what I like to do is bring these guys
on and let you guys in the listening audience ask
questions questions. If you've been hurt, you haven't you got anything,
or you're having trouble, now's the time to call and ask,
and Gary and Brad and Justin can answer these questions.
Speaker 1 (01:00):
Now.
Speaker 3 (01:00):
I wanted to ask you guys last time you were in.
Let me give out the phone number. Three oh three
seven to one, three eighty five eighty five is the number.
That's three O three seven one three eighty five eighty five.
Last time we were in, I asked you for the
strangest case that you ever had. And since then I
have spoken to one of my father's old attorney friends
and I said, what is the strangest personal angory case
(01:21):
that you ever had in your lifetime? And he had
a case of a guy who had gone cat fishing. Now,
I don't know if you guys have ever been cat fishing.
Speaker 1 (01:28):
It works like this.
Speaker 3 (01:29):
You take a long fishing line and put a bunch
of hooks on it. You put chicken livers or whatever,
hot dogs or whatever you're using his bait, and you
just drape that across a busy area of a river
and you let it sit there, and then you sit
by campfire and you drink deer for an indeterminate amount
of time, and right.
Speaker 1 (01:44):
You run out of beer, and then you go and
you pull in the trot line.
Speaker 3 (01:46):
And you get your cat fish, and then you go
home and you have you have catfish for dinner.
Speaker 1 (01:50):
So he represented a guy.
Speaker 3 (01:53):
Who had pulled a trot line at the exact same
time the neighbor had had hit some cows.
Speaker 1 (02:00):
That had some kind of kerfuffle. We don't know what
happened to the cows.
Speaker 3 (02:03):
The cows raced across the pasture, broke through.
Speaker 1 (02:07):
The wire fence, crashed into.
Speaker 3 (02:09):
The guy pulling in the catfish trot line. He then
tumbles into the river, wrapping himself in the trot line
that had all these hooks and chicken livers on him
and basically covered himself.
Speaker 1 (02:20):
With these with these fishing.
Speaker 3 (02:22):
Line and he wanted the farmer to pay for his
medical fees. And I said, well, what happened? He said,
We got into court. The jets started laughing as we
were telling the story.
Speaker 1 (02:33):
Issued a summary judgment because it was like seven hundred
dollars or some ridiculously low amount like that, and the
farmer had to pay for the guy's injuries because his
cows knocked into him in a fence that was not sufficient,
and he had to pay for him and he paid
like a thousand dollars in damages.
Speaker 4 (02:48):
Or something like that.
Speaker 3 (02:49):
And I was like, you know what, I bet Ella
and Pollock have never handled a case.
Speaker 5 (02:52):
Like that, you know, I remember doing some cases years
and years ago about people who had their cat I
was get out on the road. Yeah, and it caused
an accident, and they're responsible for the cow's getting out
on the road.
Speaker 3 (03:06):
Well, in this that was the argument that they were making.
Three on three, seven one, three eighty five, eighty five
is the number to call if you have a question
for Bell and Pollock. Would you like to join us
in this? How I've never asked you, guys, why did
you want to be an attorney?
Speaker 4 (03:21):
Well, I've always wanted to be attorneyman. At our young age,
I read booked attorney books like Anatomy of a Murder
and you know, to Kill a mocking Bird. So that
was that was it rock and roll there you go go.
Speaker 5 (03:32):
So yeah, since fifth grade I wanted to be an attorney.
Speaker 1 (03:36):
Really, what makes you want to be an attorney.
Speaker 2 (03:38):
Because you got to argue?
Speaker 5 (03:40):
Oh gosh, yeah, that was the funnest part of life
was to argue with people.
Speaker 1 (03:44):
In my mind, and you've made a good living arguing
with people.
Speaker 5 (03:47):
I've made a career at arguing with people.
Speaker 3 (03:50):
When I was a kid, my father, also an attorney,
used to tell us like teach us to advocate for ourselves,
and as we got a little older, he said, I.
Speaker 1 (03:56):
Believe I have taught you too.
Speaker 2 (03:57):
Well.
Speaker 1 (04:01):
Why did you want to be an attorney?
Speaker 6 (04:03):
It came down to either a pilot. I want to
go to Colorado Springs Air Force Academy. But somehow the
fear of flying changed that decision. Yeah, And when I
was in sixth grade, for whatever reason, my teacher named
me the judge. He had a nickname for everybody. Why
he picked that? And I thought, oh, I'll be a judge.
(04:23):
And I went to law school to be a judge.
And then I got out and I'm like, I don't
want to be a judge.
Speaker 4 (04:28):
They really don't have a lot of power.
Speaker 6 (04:30):
The number one most powerful person in the courtroom in
terms of criminal was a prosecutor, because with the flick
of a pen, the prosecutor, not the judge, can dismiss
a case.
Speaker 2 (04:41):
I'm like, I want that power.
Speaker 6 (04:43):
So I did prosecution for about three or four years
and like, oh, I don't like this.
Speaker 1 (04:49):
Yeah. Well, I mean that's the thing about being a lawyer.
There's so many different avenues that you can pursue. You know.
I have a friend who wanted to be.
Speaker 3 (04:55):
In personal injury and now is one of the number
one copyright and patent. Can you think of anything more
boring than copyright and patent?
Speaker 4 (05:05):
Yeah, I've got to, but I can't think of any
more boring. But he does it.
Speaker 1 (05:10):
It's like it doing patent.
Speaker 2 (05:12):
Work is like nerds on steroids.
Speaker 7 (05:15):
Yeah.
Speaker 1 (05:16):
So I have a double electrical.
Speaker 6 (05:18):
Engineering degree, and so you're real slouch, thankfully, right.
Speaker 1 (05:23):
I always say I'm a family lawyer, but I don't.
Speaker 6 (05:24):
Practice family law because everyone in my family has a
legal question or needs help.
Speaker 1 (05:29):
Well, I mean and yeah, and my partner's.
Speaker 6 (05:32):
Wife ex wife got sick from mold exposure and that
got us into the whole world of litigation and mold litigation,
personal injury. So we flipped ip intellectual property to PI.
Speaker 1 (05:45):
Nice.
Speaker 2 (05:46):
I like that, So we do.
Speaker 1 (05:46):
We got the p's in the eyes.
Speaker 3 (05:48):
Let's see three O three seven one, three eighty five
eighty five is the number. If you have a question
for the lawyers, now's the time to ask it. Pat
in Littleton, you're on with Belle and Pollock. What is
your question?
Speaker 8 (06:00):
Wonderful? Thank you to hey. Quick question about a car
injury or a car accident where the other person that
hit us was found guilty, and we settled the the
value of the car. We're working through the injury component
of it. But the question I have is can you
(06:24):
recuperate the cost of interest by comparison to winning the
car was first financed, which was around five percent in
the cost of interest later that you had to do
to replace the car, which was a run around twelve percent.
So that's a big difference when you look at the
value of a fifty thousand dollars.
Speaker 4 (06:39):
Car, well, it is a big difference. And we get
this question a lot. We also get it with regard
to reduce value of the car after it's been an accident,
car Max and all that kind of stuff, And so
it's about a fifteen minute, pretty complicated discussion. Discussion because
of the results around revolves around a couple of legal
doctrines called race you to colder and collateral stop will.
(07:00):
But what means in English, what it means is if
you don't want to get payment for the car, now
you can include the car the property damage is part
of your injury case. Okay, but nobody wants to do
that because they want to get their car fixed, so
you really have no leverage to sue them on your car,
and they know that because of these doctrines, so they
(07:20):
try to beat you up and beat you down, and
they usually don't pay, so you can basically.
Speaker 1 (07:26):
You're what you're saying. I want to make sure I
understand what you just said.
Speaker 3 (07:28):
So you're saying that as part of your injury claim,
you could roll a cash amount into that injury claim
that would then cover that difference, only you cover it
under the injury claim instead of saying it's for the car.
Speaker 4 (07:39):
That's right, man. If you don't settle the property claim
to begin with, you settle the property claim, it's all
over with.
Speaker 2 (07:45):
Okay.
Speaker 4 (07:45):
You don't get interest, you don't get the difference, you
don't get the reduced value, you don't get anything. But
you cannot settle and wait. But nobody wants to do that, right,
And then you can wait and include it as part
of your injury claim.
Speaker 8 (07:57):
I see, thank you very much.
Speaker 1 (07:58):
Did you already set you already said the property claim?
Speaker 8 (08:02):
Yeah, the property claim has been settled. It's the injury
part of it that hasn't. So I guess I was.
So if I'm hearing that correctly, since the property claim
has been settled and we don't have any opportunity to
go back and get the difference of the interest of
the cost of Basically it's the cost of money.
Speaker 4 (08:17):
Yeah, right.
Speaker 5 (08:18):
And you know, I'll just tell you a lot of
times I tell clients because you're talking about an amount
that's not worth it to pay the lawyer to go
after the interest.
Speaker 2 (08:27):
It's significant to.
Speaker 5 (08:29):
You, but when you compare that to attorney's fees, it
doesn't work.
Speaker 2 (08:34):
But you know, I tell my clients quite often.
Speaker 5 (08:37):
Ninety percent when Gary and justin eighty ninety percent of
the case is settle at some point. And you know,
when I do my bottom line dollar amount, I'll roll
the interest into it. As far as just saying, okay,
my personal entry case, instead of being worth fifty thousand dollars,
is now worth fifty one thousand dollars, right, and I'll
roll that in and make them give that to me
(08:59):
in this I don't want based on the value of
the personal injury case and recoup it that way. So
as you're doing your personal injury case, just keep in
mind I lost money on the interest.
Speaker 2 (09:09):
I lost money on the interest, and see if you
can't get it rolled in a few extra bucks exactly.
Speaker 8 (09:13):
All right?
Speaker 1 (09:13):
Thanks Pat?
Speaker 3 (09:14):
Guys, hanging in there for just a second. We've got
people lining up on the phone. If you have a
question for Gary and Brad and Justin, call three O
three seven one, three eighty five eighty five.
Speaker 1 (09:23):
We'll get more of those. But I have a question
for you guys when we get back.
Speaker 3 (09:26):
I've always wondered, how do you settle on the first
number that you go in, Because I know how I've
been in mediations. I know how they work. The lawyers
come in and say we want X amount of dollars.
I want to know where you get that X amount
of dollars.
Speaker 1 (09:38):
I'm just curious. We'll do that after this, keep it
on KOA. I just want to know this text message.
Speaker 2 (09:43):
Guys.
Speaker 3 (09:44):
These Bell and Pollock guys are great. They should have
their own show on KOA. Maybe run it on Saturday mornings.
They could call it the Bell and Pollock did you
get hurt show? Thank you for that.
Speaker 1 (09:56):
Let me go to the phones here we got an Aurora.
What you got for Bell and Polock?
Speaker 9 (10:01):
Hey, guys, I just had a question about insurance. I
have two older cars that are over ten years old,
and I dropped the collision, kept the liability and I
was wondering that by exposing myself poorly, if I've been
an accident that someone else's fault.
Speaker 4 (10:17):
Okay, So if you're in an accident of somebody else's fault,
their liability insurance is going to pay you. But sometimes
they don't have enough. Sometimes they don't have any insurance.
And so what you need to do you can set
the collision aside. You can make sure you have liability
and make sure you have you I am under insured
(10:39):
motorist coverage. Make sure you have that covered because if
they have no insurance, that's where you go. And if
they don't have enough insurance, that's where you go.
Speaker 2 (10:48):
Well, hold on to your medpay too.
Speaker 5 (10:50):
If you've got make sure you get medpay on the policy.
It's mandatory for five thousand unless you wave it. Don't
wave it. It doesn't hurt to get a little bit extra.
And I knowbody's going to say you're your insurance agent
is going to say, well you have health insurance. Well
there's deductibles and copays. Hold onto that MedPage because it
can help you with respect to the deductibles in the copse.
(11:12):
But as far as dropping the cars and the liability,
you know where your biggest danger is if you cause
the accident, you can't get.
Speaker 2 (11:19):
To get them to fix your car.
Speaker 5 (11:20):
But if the other side caused the accident, they should
have a liability coverage for your car, so they're going
to cover.
Speaker 3 (11:29):
I just pulled this up while we're talking about this,
and estimated seventeen point five percent of Colorado drivers are uninsured.
If you are driving around without uninsured motorists coverage right now, there.
Speaker 1 (11:40):
Is a one in five chance.
Speaker 3 (11:42):
I mean, obviously the statistics don't work that way, but
that's really kind.
Speaker 1 (11:46):
That's crazy high.
Speaker 2 (11:48):
That's exactly right.
Speaker 4 (11:49):
But Maddy, I got to tell you we have a
story about that. We say on our show, okay, yeap,
and as you're in a jungle with your family, your
two little kids, right, and you come across this canyon
with an old rickety bridge and there's an attendant there
and the attendance and you say, is a safe to cross?
And the attendant says, there's one in five shants it'll
fall down er one.
Speaker 2 (12:08):
Of five jecks.
Speaker 4 (12:09):
You get in your car. Nobody has insurance. So you
get the picture.
Speaker 3 (12:12):
Now, yeah, yeah, and now I mean I'm seeing we
have a story on the blog today about more people
are delinquent on their car loans. And we all have
seen the cars driving around with no tags and those
people are not licensed.
Speaker 1 (12:23):
And it's just it.
Speaker 3 (12:24):
Is a terrible time to get into a car accident
in Colorado.
Speaker 1 (12:27):
It is a craftshoot. It's higher than the national average,
by the way, the national average is fourteen point five percent.
Speaker 5 (12:33):
And you can head your bet against a lot of
that just by having your UIM coverage, your medpay coverage,
having those in place, because that way, I don't care
what kind of insurance Gary has on it on the car.
I care about my insurance, and I know I've got
myself protected. And it's not that much more expensive, you know,
make your agent tell you the differences in the amount
and then realize it's worth it's worth it to get
(12:55):
the extra insurance, So get it.
Speaker 2 (12:56):
Keep yourself protected.
Speaker 3 (12:57):
Got a question, This is an interesting question from the
Common Spirit Health techt line. You can call three oh
three seven one three eighty five eighty five. Mandy question
for Bill and Pollock regarding ride share drivers. If a
no fault accident occurs with or without an active passenger
in the vehicle, that determines if the commercial insurance from
the ride share company pays versus the private insurance of
(13:20):
the ride share driver. Either way, repairs could take weeks
or even months. With some body shop the driver can't
make an income. Is there anything in the law to
support ride share or insurance companies to replace the driver's
income while the vehicle is being repaired?
Speaker 4 (13:37):
Okay, so Transportation Network statute. So the answer is no, there,
but you need to get your own private insurance that
covers that's your loss of income.
Speaker 1 (13:47):
Okay, what kind of insurance even is that?
Speaker 4 (13:49):
I mean, it's going to be it's going to be
car insurance, but it's going to have a special rider
and somes some companies don't ride it. And you're going
to do not lie, tell them you're in the right
share buil because they won't pay you anything, right.
Speaker 3 (14:02):
And they will absolutely find out yes, correct. Just anybody
who thinks they're going to get cute buying insurance and
not telling the truth is just stupid. I had a
customer when I sold life insurance that had terminal lung
cancer and lied on the application.
Speaker 1 (14:18):
And it was shocked when they turned him down. And
I'm like, what he didn't tell me?
Speaker 4 (14:23):
They're going to find out.
Speaker 5 (14:24):
Well, just take the premiums that you're paying him, throw
them away rather than giving insurance company because they're going
to find out and you're not. You've wasted your money
giving him premium. So it's just a waste because you're
not really getting coverage.
Speaker 1 (14:36):
Right, All right, let's go to John and Bailey. Hi John,
you're on with Bell and Pollock.
Speaker 8 (14:42):
Thank you, ma'am.
Speaker 9 (14:43):
I have a quick question.
Speaker 7 (14:45):
I hated deer made.
Speaker 9 (14:46):
My cause and the insurance company they cause it was
minor damage.
Speaker 8 (14:57):
What you guys said, I do ex step.
Speaker 3 (15:01):
Well, you dropped out on your phone, so you hit
a deer in the insurance company said, what.
Speaker 7 (15:06):
Does the car?
Speaker 4 (15:10):
Well, I mean sometimes that does happen. Total the car.
But do you have collision insurance on your car?
Speaker 5 (15:16):
Yes, sir, I have to coverage.
Speaker 4 (15:19):
Okay, well then they total the car. So now you're
going to get into a friendly not so friendly argument
of what the value of the car is. Uh, And
so you need to get your blocks lined up. Is
to prove the value of the car the highest value
that you can get. And and you know blue book
my Internet doesn't matter, Kelly's blue Book Nata, it doesn't matter.
You'd be able to prove the value of the car
(15:40):
because they're going to try to low ball you, and
you want to have your your proof where it's worth
X dollars instead of their low low amount.
Speaker 3 (15:48):
So now you said that you think the damage is
pretty minor, like you can drive the car now?
Speaker 5 (15:53):
Yes?
Speaker 1 (15:54):
Can you buy the car back from the insurance company?
Speaker 2 (15:57):
Sure?
Speaker 1 (15:57):
Yeah, how does that work?
Speaker 5 (15:59):
You'll get what's the salvage value title, and that decreases
the value of your car when you go to trade
it in or resell it. But if you plan on
keeping the car for a lot of time, you know
that salvage title doesn't matter at all. I've known people
who go to certain places around town where the cars
that are are are totaled, get fixed, and they get
(16:21):
a salvage title, and they're driving around really nice cars
that have been all repaired look great. And what doesn't
matter what kind of title you got if you're exactly
exactly and so you can you.
Speaker 2 (16:32):
Can negotiate with them. Now.
Speaker 5 (16:34):
One of the things you need to do is get
on the internet and check out all the cars in
your valve of your type with a similar mileage, with
a similar upkeep, with similar all the similar add ons
that are on a car, and so you can start
determining the value of your car because you want to
fight the value of your car and Kelly Bluebook and
(16:57):
Nada and all the different source is really don't tell
you the value of your car for your locality, right,
that's what insurance companies use.
Speaker 2 (17:05):
They use your locality.
Speaker 1 (17:07):
Okay, so John, you got a little work to do.
Does that help?
Speaker 2 (17:10):
Yes, ma'am?
Speaker 1 (17:11):
All right, thank you, John.
Speaker 3 (17:13):
Here's some interesting follow up questions about uninsured motorists courage. Mandy,
could you ask, if I have full coverage, why do
I need uninsured motorists coverage?
Speaker 1 (17:21):
Won't my full coverage?
Speaker 4 (17:23):
Coverage depends what quote full coverage means, and I mean
we'd be glad to talk to him on the phone,
but full coverage does it usually mean under insured motorists coverage?
Full coverage? You know, you're protecting yourself if you cause
an accident and that sort of thing. So that's why
you need you. I am if the other person, and
we just talked about it, has no insurance, if that
(17:45):
fall person that hits you has no insurance, you're going
to go to your UIM. And if you don't have
UIM you have nowhere to go, and if they have
not enough insurance, they say twenty five grand and your
medical bills are one hundred and twenty. Then you go
to your U. I am so that's where you go.
Speaker 3 (17:59):
Okay, Jerry, what their company? Because it doesn't exist, isn't covering?
Speaker 2 (18:03):
Yes?
Speaker 1 (18:04):
Okay, let's do a quick time out when we get back.
We've got a little old lady falling on a sidewalk
and the homeowner wants to know. Am I in trouble?
We'll do that next with Ellenbolick. A lot of you
were asking questions about uninsured motors coverage Umbrella insurance, which
is fantastic if you have a liability policy. But Gary
and Brad are here to help you after you screw up,
not before you screw up.
Speaker 3 (18:25):
So call your insurance agent and ask all of these
questions that you're sending to me. But I think this
next question from the Common Spirit Health techt line is
a good one. My elderly neighbor fell on the sidewalk
in front of my house. Is there any liability on
my part? She just fell, no snow, et cetera. But
I want to ask an adjacent question to that if
people do not clear snow from their sidewalks and I
(18:47):
slip and bust my kazoo, are they liable?
Speaker 2 (18:51):
Okay?
Speaker 4 (18:51):
So the first one, if no snow, no eyes, just
walking down. If there's no dangerous condition on your sidewalk
like a ray lip, like a big crack, like a
big hole, it's in good shape or it's in good shapes,
and I don't see any any liability for the home
for the homeowner. Yeah, it has to be a dangerous condition.
Speaker 5 (19:10):
Go take photos of your sidewalk right then, right now
where they fail. So you have a good, nice evidence
about the sidewalk being nice and calm, because you're gonna
think everything's fine until you get home one night and
you find out one of those cracks is raised because
all of a sudden there was ground movement the day
while you were at work.
Speaker 1 (19:27):
Right right now, what about my question? If somebody doesn't
shovel their walk, and I bust my.
Speaker 4 (19:32):
Kazoo, okay, because there's some Yeah, and so you're good.
They're gonna be liable because they're supposed to. They're required to.
They're required you by ordinances or required you by you know,
Douglas Caunyon, whatever, wherever you live, there's ordinances that you
got to get it clean. You have to have a
reasonable opportunity time, you know, to clean it off, but
you have to do it. And if it's if it's where,
if it's dangerous and it's not cleaned off, it's not treated,
(19:54):
it's not maintained, then there's gonna be liability period.
Speaker 3 (19:57):
I have run into that situation, I mean significantly where
just because of my cat like reflexes. I didn't hurt myself,
but it could have gone much differently. And I've wanted
to knock on the doors of these because their houses
are nicer than mine.
Speaker 1 (20:09):
Guys, I'm just saying, Okay, so I'm not saying I
would fall, but.
Speaker 3 (20:14):
I'm just saying, Steven Parker, you're on mc gary and Brad.
Speaker 1 (20:18):
We got a couple of minutes left.
Speaker 7 (20:20):
Hey, Mandy, thanks for doing this. This is great. I've
got a quick question. I have a current claim that
I just filed with my auto insurance. My car had
some damage out at de Ia parking lot and I
think it's vandalism. The estimator thinks it's vandalism, and the
insurance is coming back saying no, that's collision. And the
difference is my deductible is twice as much for collision
(20:44):
than what they call other than collision, which is vandalism.
Speaker 1 (20:47):
Why do you think it's vandalism.
Speaker 7 (20:50):
Because the tail light is smashed out and there was
plastic on the ground from the tail light, and there's
really no other bodily damage. There's a small little dent
next to the hill light, which they're saying that's where
somebody backed into it. But I mean it's I think
it's it's very ten point damage. And the estimator agrees
(21:12):
with me. So I'm in this back and forth with
the insurance right now and which one it is which
does affect my deductible greatly twice the amount.
Speaker 4 (21:20):
I'll tell you what you do. You asked them in
writing an email, whatever, You ask them, what's their proof?
It's it's it's what they call it. What is your proof,
mister or missus insurance company? What facts revenuce do you have?
Or is this just a guess so that you you
get a higher deductible from me? Ask them perfect and
(21:42):
tell them reference to me the part of the policy,
and tell me your evidence and give me your file
if you have pictures, give them to me. If you
took a statement of somebody, give it to me or
are you just guessing from from the seat of your pants?
Speaker 2 (21:53):
Right?
Speaker 4 (21:54):
And if they are, then your I like your chances
on this one.
Speaker 8 (21:58):
Okay, all right, give me a favorite.
Speaker 3 (22:00):
I need you to to send me an email after
you do that. I want to know how this turns.
Speaker 1 (22:02):
Out a man.
Speaker 3 (22:05):
Thank you if anything, If you need anything, And I
always say I hope my listeners never need to call
Bell and Pollock, because that means you have been hurt
by someone else. It's not your fault, but you have
all the repercussions, and you've got to call and get
your free legal game plan. Like our text to earlier
texted in you already had his free legal game plan.
You got to call in and get that. Guys, thanks
(22:26):
for coming in. We'll see you again next month. Three
oh three seven nine fifty nine hundred is their number
or Champions of the People dot Com
The Mandy Connell Podcast News
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