1 00:00:00,754 --> 00:00:03,774 Hey, everybody. I'm Robert Y, and I'm an 2 00:00:03,774 --> 00:00:05,625 insurance professional, and admittedly 3 00:00:06,078 --> 00:00:07,111 kind of an insurance nerd. 4 00:00:07,924 --> 00:00:10,241 My friends and family tell me that nobody 5 00:00:10,241 --> 00:00:12,080 is gonna wanna listen to a podcast about 6 00:00:12,080 --> 00:00:14,877 insurance. So instead, on this show, I'm hoping 7 00:00:14,877 --> 00:00:18,087 to share a story or have a conversation 8 00:00:18,087 --> 00:00:21,280 with a guest about some relatable experience, and 9 00:00:21,280 --> 00:00:24,554 then show you how insurance impacts that story 10 00:00:24,554 --> 00:00:25,033 or topic. 11 00:00:25,672 --> 00:00:26,651 My hope is 12 00:00:26,963 --> 00:00:28,792 You'll enjoy a few laughs with me and 13 00:00:28,792 --> 00:00:31,815 maybe learn at least 1 interesting thing about 14 00:00:31,815 --> 00:00:32,770 insurance along the way. 15 00:00:33,978 --> 00:00:34,455 Here we go. 16 00:00:39,463 --> 00:00:41,689 Alright. Hey, everybody. Thanks for listening in the 17 00:00:41,689 --> 00:00:43,063 podcast. This is Robert 18 00:00:43,374 --> 00:00:46,032 and I'm coming at you today from 19 00:00:46,731 --> 00:00:47,231 Mansfield, 20 00:00:48,009 --> 00:00:48,489 Ohio. 21 00:00:49,448 --> 00:00:51,206 I've been I've been spending the last several 22 00:00:51,206 --> 00:00:52,105 days here 23 00:00:52,579 --> 00:00:53,079 family 24 00:00:54,015 --> 00:00:54,254 vacation. 25 00:00:54,892 --> 00:00:55,551 I brought 26 00:00:56,009 --> 00:00:56,806 my son Damon, 27 00:00:57,524 --> 00:00:58,003 my girlfriend 28 00:00:58,561 --> 00:00:59,678 Out here, and we met. 29 00:01:00,874 --> 00:01:01,751 We met my parents. 30 00:01:02,564 --> 00:01:03,064 And 31 00:01:03,441 --> 00:01:05,674 my older son's, Jake and brandon, 32 00:01:06,472 --> 00:01:08,385 and then my sisters. I have twin sisters. 33 00:01:08,864 --> 00:01:10,539 They brought their families out. So was a 34 00:01:10,539 --> 00:01:11,496 huge, huge group. 35 00:01:12,149 --> 00:01:14,704 I think 18 or 19 people. Yeah. I 36 00:01:14,704 --> 00:01:16,380 don't work together. Forget the little man. 37 00:01:17,498 --> 00:01:19,973 Grandson here. My grandson was here. That voice 38 00:01:19,973 --> 00:01:21,904 you just heard. That's Jake. He's he's gonna 39 00:01:21,904 --> 00:01:24,141 be my guest on the podcast today. It's 40 00:01:24,141 --> 00:01:26,059 good to be here. Yeah. It is good 41 00:01:26,059 --> 00:01:27,358 to be here. This is 42 00:01:28,137 --> 00:01:31,022 last day of the family trip. And people 43 00:01:31,022 --> 00:01:32,133 have been filtering out, 44 00:01:33,481 --> 00:01:35,464 and were some of the last ones standing. 45 00:01:35,782 --> 00:01:37,051 Best to the best. Yeah. 46 00:01:38,891 --> 00:01:40,003 So we've been doing stuff like, 47 00:01:40,717 --> 00:01:42,226 well, we we we got this enormous home, 48 00:01:42,385 --> 00:01:45,562 so there's, like a pool and hot to... 49 00:01:46,277 --> 00:01:47,230 What's been your favorite part. 50 00:01:48,598 --> 00:01:50,274 Lounge at the pool, it's hard to beat. 51 00:01:50,833 --> 00:01:51,551 Yeah. Yeah. 52 00:01:52,429 --> 00:01:54,264 And it was hot. These few days. It 53 00:01:54,264 --> 00:01:56,121 was... Well the first couple of days were 54 00:01:56,593 --> 00:01:58,666 probably the best weather could have asked for. 55 00:01:59,783 --> 00:02:01,138 Because it just... It gets just cool enough 56 00:02:01,138 --> 00:02:02,574 for the hot tub in the evening, and 57 00:02:02,574 --> 00:02:04,408 it's warm enough for the pool early in 58 00:02:04,408 --> 00:02:04,966 the afternoon. 59 00:02:05,777 --> 00:02:07,284 There's enough people to play all the little 60 00:02:07,284 --> 00:02:08,713 games. You guys wanted to play. 61 00:02:09,189 --> 00:02:11,411 Yeah. Yeah. Good times. Good times and we're 62 00:02:11,411 --> 00:02:13,633 all talking Like. We wanna do that again. 63 00:02:14,683 --> 00:02:15,161 Also, 64 00:02:16,198 --> 00:02:16,596 Ohio, 65 00:02:17,155 --> 00:02:17,952 everybody's been asked me like? 66 00:02:18,749 --> 00:02:20,264 Who's from Ohio? Is that where you're from? 67 00:02:20,504 --> 00:02:22,338 What... How'd did you get Ohio? And it... 68 00:02:22,497 --> 00:02:24,664 All it is is just it's a convenient 69 00:02:24,664 --> 00:02:26,416 meeting place where we found a house big 70 00:02:26,416 --> 00:02:27,690 enough for everybody. Yeah. 71 00:02:28,486 --> 00:02:29,522 Now I had to fly. 72 00:02:30,318 --> 00:02:32,284 Your brother brandon had to fly. Yep 73 00:02:32,722 --> 00:02:33,677 everybody else drove. 74 00:02:35,029 --> 00:02:36,540 Well, so I was thinking, 75 00:02:37,415 --> 00:02:39,998 I rented a car. Mh. And 76 00:02:40,609 --> 00:02:42,514 brandon rented at a car when we pick, 77 00:02:42,673 --> 00:02:44,419 you know, when we got in at the 78 00:02:44,419 --> 00:02:46,880 airport. And somebody... I don't remember who but 79 00:02:46,880 --> 00:02:48,015 somebody asked me 80 00:02:48,640 --> 00:02:49,591 Did you get the insurance? 81 00:02:51,176 --> 00:02:52,760 And I I said, no, I did not 82 00:02:52,760 --> 00:02:53,394 get the insurance. 83 00:02:54,028 --> 00:02:55,162 But there was 84 00:02:55,629 --> 00:02:56,847 sort of a, a 85 00:02:57,305 --> 00:02:59,061 conversation at the rental car desk with the 86 00:02:59,061 --> 00:03:01,535 gal who is checking me, like, out? Yeah. 87 00:03:01,934 --> 00:03:02,812 We always bring it up. 88 00:03:04,344 --> 00:03:06,425 They usually bring it up. Some people are 89 00:03:06,425 --> 00:03:07,864 better at bringing it up than others. 90 00:03:08,824 --> 00:03:10,745 Now I feel like you used to rent 91 00:03:10,745 --> 00:03:12,344 cars because you didn't have a car when 92 00:03:12,344 --> 00:03:14,354 you lived in the city. Every week. Yeah. 93 00:03:14,672 --> 00:03:16,581 Is I was traveling for work. That's Killing 94 00:03:16,581 --> 00:03:16,740 zoo? 95 00:03:17,456 --> 00:03:18,012 Yeah. Yeah. 96 00:03:18,808 --> 00:03:20,717 So you heard the pitch every week. Every 97 00:03:20,717 --> 00:03:23,201 time. Yeah. Well, I so I went to 98 00:03:23,201 --> 00:03:24,658 the same enterprise 99 00:03:25,035 --> 00:03:27,928 every week for 2 years. So I think 100 00:03:28,305 --> 00:03:29,741 they they recognize recognized me. They got to 101 00:03:29,741 --> 00:03:31,416 know me and eventually, they're like, okay, this 102 00:03:31,416 --> 00:03:31,655 guy. 103 00:03:32,861 --> 00:03:35,080 Declined it. Yeah. 40 times in a row. 104 00:03:36,665 --> 00:03:38,250 Yeah. So I think they... I think eventually 105 00:03:38,250 --> 00:03:39,122 they stopped asking. 106 00:03:39,614 --> 00:03:40,810 Well, the cool thing about going to the 107 00:03:40,810 --> 00:03:43,442 same place every week also is, like, they 108 00:03:43,442 --> 00:03:46,154 probably threw you upgrading Oh, yeah. Driving cool 109 00:03:46,154 --> 00:03:47,909 cars. Okay. Qualify yeah. What's the coolest car 110 00:03:47,909 --> 00:03:49,185 you remember were getting? What we were talking 111 00:03:49,185 --> 00:03:49,997 and So 112 00:03:50,793 --> 00:03:52,146 we're all here in Mansfield. We did this, 113 00:03:52,225 --> 00:03:55,887 like, evening round table of questions. Yeah. And 114 00:03:55,887 --> 00:03:56,922 1 of the questions was, like, 115 00:03:57,574 --> 00:03:59,725 cars are really into. And it was that 116 00:03:59,725 --> 00:04:01,558 cadillac that I brought up last night. Oh, 117 00:04:01,798 --> 00:04:03,391 yeah. That was 1 of 1 of my 118 00:04:03,391 --> 00:04:04,826 favorites that they upgraded me too. 119 00:04:06,033 --> 00:04:07,541 Nice. And, hopefully, 120 00:04:08,255 --> 00:04:10,660 no upper management or listeners of this podcast 121 00:04:10,874 --> 00:04:13,274 because they couldn't give me some of the 122 00:04:13,274 --> 00:04:14,553 cars they gave me because That I was 123 00:04:14,553 --> 00:04:15,272 under 25. 124 00:04:16,471 --> 00:04:18,389 Oh, but they did anyone did. 125 00:04:19,108 --> 00:04:19,667 They did. 126 00:04:21,346 --> 00:04:23,753 Yeah. Yeah. Maybe those people are long gone 127 00:04:23,753 --> 00:04:25,344 from the enterprise. So it might be the 128 00:04:25,344 --> 00:04:25,583 clear. 129 00:04:27,254 --> 00:04:28,766 Well, I I thought the whole thing with 130 00:04:28,766 --> 00:04:31,415 enterprise was like, they got college grads 131 00:04:32,203 --> 00:04:33,499 to be, like, managers. 132 00:04:34,590 --> 00:04:35,625 So that they could just kinda... 133 00:04:36,818 --> 00:04:38,489 They're probably cool guys. They're like, they were. 134 00:04:38,807 --> 00:04:40,080 They were. And like you said, they recognize 135 00:04:40,080 --> 00:04:41,057 recognized me So 136 00:04:41,449 --> 00:04:43,207 everyone once in a while. If they had 137 00:04:43,207 --> 00:04:46,003 something. It was a small enterprise, like, neighborhood 138 00:04:46,083 --> 00:04:48,560 City enterprise. So they didn't always have something. 139 00:04:49,293 --> 00:04:50,563 It runs well. Yeah. They give me, like, 140 00:04:50,642 --> 00:04:52,967 a say convertible or cadillac, 141 00:04:53,420 --> 00:04:53,920 bmw. 142 00:04:55,007 --> 00:04:56,911 And those, like I was saying, I can 143 00:04:56,911 --> 00:04:57,308 book those. 144 00:04:58,039 --> 00:05:00,037 Because I was under 25. Yeah. Yeah. 145 00:05:01,076 --> 00:05:01,576 So 146 00:05:02,994 --> 00:05:03,474 good stuff. 147 00:05:04,193 --> 00:05:07,171 Okay. I remember we went to North Carolina 148 00:05:07,883 --> 00:05:09,394 was just you and I. It was like, 149 00:05:09,553 --> 00:05:12,415 to scout out colleges when you were Yeah 150 00:05:12,415 --> 00:05:14,403 16 or 17. Yeah. And do you remember, 151 00:05:14,562 --> 00:05:17,281 they they gave us AAA challenger. Yeah. That's 152 00:05:17,281 --> 00:05:19,690 cool. Yeah. That was very cool. And 153 00:05:20,145 --> 00:05:21,815 it's too bad because I remember being very 154 00:05:21,815 --> 00:05:22,213 rainy. 155 00:05:23,103 --> 00:05:25,487 Couldn't really just, like, open it up, because 156 00:05:25,646 --> 00:05:27,394 I I wasn't familiar at the car. I 157 00:05:27,394 --> 00:05:29,222 didn't know how it was gonna handle and 158 00:05:29,222 --> 00:05:31,050 didn't... I I didn't know the tires. 159 00:05:32,259 --> 00:05:33,779 So I was very careful with it, but 160 00:05:33,779 --> 00:05:35,060 it was a cool car. It was cool. 161 00:05:35,300 --> 00:05:36,819 I I don't know if you let me 162 00:05:36,819 --> 00:05:38,740 drive, but you did take a picture. 163 00:05:39,473 --> 00:05:41,389 In fancy. Yes. I did not let you 164 00:05:41,389 --> 00:05:41,889 drive. 165 00:05:43,464 --> 00:05:44,421 Probably the right call there. 166 00:05:45,459 --> 00:05:47,076 Yeah. Well, so this gal 167 00:05:47,866 --> 00:05:49,296 where I picked up the car this time. 168 00:05:50,408 --> 00:05:50,806 She... 169 00:05:51,441 --> 00:05:52,633 And I guess, I won't say the name 170 00:05:52,633 --> 00:05:54,381 of the the agency because that doesn't really 171 00:05:54,381 --> 00:05:55,811 matter It's not really important to the story. 172 00:05:56,383 --> 00:05:57,520 But she 173 00:05:57,975 --> 00:06:00,203 asked me sort of towards the end of 174 00:06:00,203 --> 00:06:01,078 the transaction. 175 00:06:01,874 --> 00:06:03,864 So how will you be ensuring... No. No 176 00:06:04,023 --> 00:06:05,217 Excuse me. That's not How she did it. 177 00:06:05,869 --> 00:06:08,283 She said, would you like our, 178 00:06:08,661 --> 00:06:12,010 like, superior coverage or, you know, whatever like, 179 00:06:12,170 --> 00:06:14,323 the the medium coverage was? Mh. 180 00:06:15,774 --> 00:06:16,333 And I said, 181 00:06:17,051 --> 00:06:18,966 actually, I... I'm just gonna decline all the 182 00:06:18,966 --> 00:06:21,440 coverage is? And her comeback was, how are 183 00:06:21,440 --> 00:06:23,435 you going to ensure this vehicle? Yeah. 184 00:06:24,087 --> 00:06:26,226 I said, well, I'm gonna rely on my 185 00:06:26,226 --> 00:06:26,726 primary 186 00:06:27,098 --> 00:06:28,286 auto insurance policy. 187 00:06:29,078 --> 00:06:30,504 Alright? My personal auto policy. 188 00:06:31,634 --> 00:06:32,134 And 189 00:06:32,513 --> 00:06:33,013 second, 190 00:06:33,471 --> 00:06:35,549 I have coverage on this credit card that 191 00:06:35,549 --> 00:06:37,786 was, like in the little machine processing in 192 00:06:37,786 --> 00:06:40,754 that moment. Yeah. And she goes, oh, well, 193 00:06:40,993 --> 00:06:41,790 just so you know, 194 00:06:42,429 --> 00:06:44,821 Michigan is a no fault insurance state, and 195 00:06:44,821 --> 00:06:47,852 you're going to be responsible for any damage 196 00:06:47,852 --> 00:06:48,570 to this vehicle. 197 00:06:50,180 --> 00:06:52,652 And and and I... We... I rented it 198 00:06:52,652 --> 00:06:54,327 in Michigan. Just by the way. Okay. So 199 00:06:54,327 --> 00:06:56,262 we're in Ohio now, but I rented it 200 00:06:56,640 --> 00:06:57,756 Detroit Airport. Yeah. 201 00:06:58,729 --> 00:06:59,229 So 202 00:06:59,608 --> 00:07:02,665 her inserting this idea that 203 00:07:03,124 --> 00:07:05,362 Michigan is a no fault insurance state, which 204 00:07:05,362 --> 00:07:07,254 it is if you're buying your own per 205 00:07:07,454 --> 00:07:08,971 auto policy. Yeah. That's a thing. 206 00:07:10,248 --> 00:07:11,466 But that would be true 207 00:07:11,844 --> 00:07:12,243 regardless. 208 00:07:12,961 --> 00:07:15,116 Any damage to that rental car is my 209 00:07:15,116 --> 00:07:15,595 responsibility. 210 00:07:16,089 --> 00:07:17,925 In in any state that I'm in. So 211 00:07:17,925 --> 00:07:20,240 she's she was just kinda throwing in, like, 212 00:07:20,399 --> 00:07:20,899 this 213 00:07:21,277 --> 00:07:24,390 insurance term that I felt like was designed 214 00:07:24,390 --> 00:07:26,795 to make me question my choice. Yeah. I 215 00:07:26,795 --> 00:07:29,503 get you anxious. Yeah. Yeah. Right. You think 216 00:07:29,503 --> 00:07:31,813 that's in the script or... Yeah. I think 217 00:07:31,813 --> 00:07:33,979 that she's coached to do that. Yeah. And 218 00:07:33,979 --> 00:07:35,976 then I wanted to respond with? 219 00:07:36,775 --> 00:07:39,332 Oh, are you a licensed insurance agent? 220 00:07:41,663 --> 00:07:44,216 Really? Like, qualified to talk to me and 221 00:07:44,216 --> 00:07:46,529 counsel me Yeah. On how I'm going to 222 00:07:46,529 --> 00:07:49,501 ensure this vehicle. Yeah. Because my guess is 223 00:07:49,559 --> 00:07:51,888 she's not licensed. I I don't know for 224 00:07:51,888 --> 00:07:53,723 sure. Yeah. I don't know for sure. 225 00:07:54,441 --> 00:07:55,638 But I'm betting she's not. 226 00:07:56,676 --> 00:07:57,176 And 227 00:07:58,032 --> 00:07:59,964 or or some states have, like a, like, 228 00:08:00,045 --> 00:08:01,264 a limited lines 229 00:08:01,725 --> 00:08:03,884 kind of license where they they know their 230 00:08:03,884 --> 00:08:04,865 very narrow 231 00:08:05,485 --> 00:08:06,925 type of, you know, coverage. 232 00:08:07,900 --> 00:08:10,779 And they don't necessarily know like, broader insurance 233 00:08:10,779 --> 00:08:13,040 concepts and they in my 234 00:08:13,340 --> 00:08:15,199 experience, they just start talking 235 00:08:15,580 --> 00:08:17,585 about you know, whatever they've been coached by 236 00:08:17,585 --> 00:08:19,016 their manager to talk about. 237 00:08:19,731 --> 00:08:21,400 And if you ask them a tough question, 238 00:08:22,275 --> 00:08:24,103 you know, they get rattled and they back 239 00:08:24,103 --> 00:08:24,580 off. Okay. 240 00:08:25,949 --> 00:08:26,109 Anyway, 241 00:08:27,626 --> 00:08:28,825 it did get me to thinking, and I 242 00:08:28,825 --> 00:08:30,423 didn't get the insurance as I said, it 243 00:08:30,423 --> 00:08:31,860 it got me to thinking about it. 244 00:08:32,912 --> 00:08:34,761 Really wherever I go 245 00:08:35,134 --> 00:08:36,325 within the United States, 246 00:08:37,119 --> 00:08:38,650 I am totally comfortable 247 00:08:39,500 --> 00:08:42,294 that my personal auto policy is going to 248 00:08:42,294 --> 00:08:44,281 protect me and that vehicle that I'm in. 249 00:08:45,473 --> 00:08:48,517 And I also have used the credit card 250 00:08:49,304 --> 00:08:51,455 as as coverage. I've rented a lot of 251 00:08:51,455 --> 00:08:53,048 cars and I've been in accidents and I've... 252 00:08:53,287 --> 00:08:54,801 I've had to use that too. And that 253 00:08:54,801 --> 00:08:57,430 worked out fine. So you specifically called out 254 00:08:57,430 --> 00:08:58,227 in the Us. 255 00:08:59,038 --> 00:09:01,105 And I am taking Damon to Germany at 256 00:09:01,105 --> 00:09:02,933 year, I've thought about in in the car. 257 00:09:03,251 --> 00:09:05,079 So you're thinking it's... It would be worth 258 00:09:05,079 --> 00:09:05,579 it 259 00:09:05,954 --> 00:09:07,305 outside of the outside the states. 260 00:09:08,593 --> 00:09:09,150 Okay. So, 261 00:09:10,265 --> 00:09:13,371 I don't know. Mh. If my personal auto 262 00:09:13,371 --> 00:09:14,747 policy is gonna cover me 263 00:09:15,202 --> 00:09:15,441 internationally. 264 00:09:16,078 --> 00:09:18,086 I'd have to ask my insurance agent. 265 00:09:19,282 --> 00:09:21,595 I would be inclined to think it doesn't. 266 00:09:22,792 --> 00:09:24,945 But but I haven't read the policy for 267 00:09:24,945 --> 00:09:25,924 that particular 268 00:09:26,301 --> 00:09:26,381 provision. 269 00:09:27,910 --> 00:09:29,606 I do know that 270 00:09:30,301 --> 00:09:31,996 my credit card coverage 271 00:09:32,452 --> 00:09:32,952 offers 272 00:09:33,328 --> 00:09:34,147 some coverage 273 00:09:34,683 --> 00:09:35,002 internationally, 274 00:09:35,958 --> 00:09:36,458 but 275 00:09:37,406 --> 00:09:40,270 there are some stipulation there. And again, because 276 00:09:40,429 --> 00:09:42,657 I've not rented a car internationally. I haven't 277 00:09:42,657 --> 00:09:44,979 paid much attention to it. And if you're 278 00:09:44,979 --> 00:09:46,570 going to do that, you'll wanna pay attention 279 00:09:46,570 --> 00:09:47,206 to it. Mh. 280 00:09:48,080 --> 00:09:49,750 Of course, if you don't have coverage on 281 00:09:49,750 --> 00:09:52,136 a credit card or a personal auto policy, 282 00:09:52,789 --> 00:09:54,784 then, yeah. You can just buy the coverage. 283 00:09:54,943 --> 00:09:56,620 Yeah. That's available there. But that would be 284 00:09:56,620 --> 00:09:58,535 fascinating to me to know what kind of 285 00:09:58,535 --> 00:10:00,530 coverage they offer. I'm sure I'm sure what? 286 00:10:01,024 --> 00:10:03,184 Because it's it's not it's not gonna be 287 00:10:03,184 --> 00:10:04,625 the same as here. I'll, I'll send it 288 00:10:04,625 --> 00:10:07,345 over to you. Yeah. So there's probably, like, 289 00:10:07,745 --> 00:10:09,684 websites that have advice 290 00:10:10,878 --> 00:10:11,997 I don't know if it's good advice, but 291 00:10:11,997 --> 00:10:13,994 they're... There's probably websites out there that'll talk 292 00:10:13,994 --> 00:10:14,314 about, 293 00:10:15,432 --> 00:10:16,551 international coverage for the vehicle. 294 00:10:17,524 --> 00:10:19,516 But, yeah, definitely wanna plan in advance for 295 00:10:19,516 --> 00:10:21,508 that. Who knows what, like, you know, the 296 00:10:21,508 --> 00:10:23,204 the liability issues are, 297 00:10:23,580 --> 00:10:24,616 you know, in Germany, 298 00:10:25,506 --> 00:10:28,529 Well, and you know, we talked about rental 299 00:10:28,529 --> 00:10:30,677 car policies before. And he told me about 300 00:10:30,677 --> 00:10:31,416 all these 301 00:10:32,124 --> 00:10:33,712 exclusions where, you know, you take it on, 302 00:10:33,791 --> 00:10:35,141 like, a gravel road and all of a 303 00:10:35,141 --> 00:10:37,523 sudden you're not covered. So Germany, right? They 304 00:10:37,523 --> 00:10:39,905 got the Auto. I wonder and in that 305 00:10:39,905 --> 00:10:42,145 policy. They're like, is you turn on that 306 00:10:42,145 --> 00:10:43,259 auto bond. As soon as you get on 307 00:10:43,259 --> 00:10:46,442 that, You're not covered. Yeah. Wonder. Yeah. I 308 00:10:46,442 --> 00:10:48,351 mean, there there could be all sorts of 309 00:10:48,351 --> 00:10:50,475 little exclusions that... I mean, I 310 00:10:51,388 --> 00:10:53,296 I can't even think of. I can't even 311 00:10:53,296 --> 00:10:54,885 dream up at this point. Yeah. Well, there 312 00:10:54,885 --> 00:10:56,554 you go. That's... I feel like that's our 313 00:10:56,554 --> 00:10:58,461 1 interesting thing about insurance. We don't know 314 00:10:58,461 --> 00:10:58,858 the answer. 315 00:10:59,668 --> 00:11:01,177 Yeah. We don't know the answer. And not 316 00:11:01,177 --> 00:11:01,336 yet. 317 00:11:02,210 --> 00:11:03,743 We'll have to have a follow up after 318 00:11:04,037 --> 00:11:05,546 after your you're trip to Germany. Yeah. I 319 00:11:05,546 --> 00:11:08,326 just kinda dissect the the rental car coverage. 320 00:11:09,614 --> 00:11:10,890 Worry though. I'm not taking damon I'm the 321 00:11:10,890 --> 00:11:11,369 auto dime. 322 00:11:12,885 --> 00:11:15,119 Oh, well, why wouldn't you? I mean, don't 323 00:11:15,119 --> 00:11:16,657 let him drive it, but 324 00:11:17,686 --> 00:11:19,200 But isn't that a thing that you'd maybe 325 00:11:19,200 --> 00:11:21,191 wanna see Germany? Actually, I don't even really 326 00:11:21,191 --> 00:11:22,306 know where in Germany that is. 327 00:11:23,978 --> 00:11:25,945 I I don't know enough about it to 328 00:11:26,144 --> 00:11:27,183 speak intelligently at all. 329 00:11:28,062 --> 00:11:28,301 Yeah. 330 00:11:29,020 --> 00:11:30,538 Shit. That might be cool. If there's so 331 00:11:30,538 --> 00:11:31,896 many sites already on the list though. 332 00:11:33,267 --> 00:11:35,091 Well, if you have... If you're going from 333 00:11:35,091 --> 00:11:36,837 city to City, and, I don't know. They're 334 00:11:36,837 --> 00:11:39,533 connected by that highway. Yeah. That might be 335 00:11:39,533 --> 00:11:40,168 something. Yeah. 336 00:11:41,453 --> 00:11:43,521 I wonder... I mean... I I imagine they 337 00:11:43,521 --> 00:11:45,510 have lyft and Uber there. Yeah. If you 338 00:11:45,510 --> 00:11:47,180 were to just get in an Uber, 339 00:11:48,389 --> 00:11:49,987 be, like, he's just taking me on all 340 00:11:49,987 --> 00:11:52,064 of Just get We're gonna take the auto 341 00:11:52,064 --> 00:11:53,662 bond of Munich or or whatever. 342 00:11:54,540 --> 00:11:55,040 And 343 00:11:55,910 --> 00:11:57,737 I wouldn't be comfortable asking him to just 344 00:11:57,737 --> 00:11:59,723 open it off be like, let's go 1 345 00:11:59,723 --> 00:12:00,120 70. 346 00:12:00,915 --> 00:12:01,415 But 347 00:12:02,599 --> 00:12:04,190 I don't know. Just being on the road 348 00:12:04,190 --> 00:12:05,225 might be interesting. 349 00:12:05,862 --> 00:12:06,180 Yeah. 350 00:12:06,817 --> 00:12:07,692 Yeah. That's true. 351 00:12:08,886 --> 00:12:10,651 So I work a lot in mind Hannah 352 00:12:10,651 --> 00:12:12,477 and, like, way back in the day. They 353 00:12:12,477 --> 00:12:14,779 didn't have speed limits. Mh. Or not not 354 00:12:14,779 --> 00:12:16,605 a numbered speed limit. It was just reasonable 355 00:12:16,605 --> 00:12:17,637 and prudent. Yeah. 356 00:12:18,510 --> 00:12:19,010 And 357 00:12:19,879 --> 00:12:22,515 even though that's decades ago, people still ask 358 00:12:22,515 --> 00:12:24,592 me or or do they'll say, oh, they 359 00:12:24,592 --> 00:12:25,791 don't have speed limit there. Right? 360 00:12:26,683 --> 00:12:28,270 And, of course, they do. They do know. 361 00:12:28,428 --> 00:12:30,015 For as long as I've been working there, 362 00:12:30,332 --> 00:12:32,474 they they have had speed limits. 363 00:12:33,108 --> 00:12:34,060 At the same time, 364 00:12:35,107 --> 00:12:37,331 I have had my camaro going pretty fast 365 00:12:37,331 --> 00:12:39,397 on the open interstate there where it's just, 366 00:12:39,476 --> 00:12:40,373 you know, just 367 00:12:41,144 --> 00:12:43,233 straight for as far as you can see 368 00:12:43,384 --> 00:12:44,660 and it's a Sunny day. Yeah. 369 00:12:45,776 --> 00:12:47,610 Okay. We'll well back to the Us. Let's... 370 00:12:48,168 --> 00:12:50,320 Right. Well, I'm gonna go back to something 371 00:12:50,320 --> 00:12:51,219 else that 372 00:12:52,967 --> 00:12:54,163 was from a trip that you and I 373 00:12:54,163 --> 00:12:55,540 took. We were in Minneapolis 374 00:12:55,997 --> 00:12:58,230 few months ago? Yep. Where... We... You and 375 00:12:58,310 --> 00:13:00,144 I met up in Minneapolis for the big 376 00:13:00,144 --> 00:13:01,101 10 basketball tournament. 377 00:13:01,674 --> 00:13:03,291 I think I've mentioned that on a podcast 378 00:13:03,430 --> 00:13:05,824 episode before, and you drove to that also. 379 00:13:06,223 --> 00:13:08,776 Yeah. Not my camry. Yeah. And I flew. 380 00:13:09,827 --> 00:13:12,131 And I remember telling you, like... So me 381 00:13:12,131 --> 00:13:13,403 and my dad wanted to go to the 382 00:13:13,403 --> 00:13:15,946 gym? Can we borrow your car? Mh. And 383 00:13:15,946 --> 00:13:18,130 you gave me a somewhat complicated 384 00:13:18,505 --> 00:13:20,971 answer. Oh, yeah. Yeah. It was like, well, 385 00:13:21,130 --> 00:13:23,698 if I take this vehicle, then 386 00:13:24,169 --> 00:13:25,925 Yeah. You can take the car. Right. If 387 00:13:26,005 --> 00:13:28,081 I take the other vehicle, then I'll drive 388 00:13:28,081 --> 00:13:28,400 you. 389 00:13:29,358 --> 00:13:29,858 And, 390 00:13:30,635 --> 00:13:31,753 you know, this was all in a text. 391 00:13:31,992 --> 00:13:32,870 So I just said, 392 00:13:33,601 --> 00:13:33,839 Cool. 393 00:13:36,375 --> 00:13:38,777 And but but I I sort of inferred 394 00:13:38,990 --> 00:13:40,362 that maybe you had 395 00:13:40,988 --> 00:13:42,441 like, questions about 396 00:13:42,815 --> 00:13:44,643 insurance coverage for you review. That wasn't it. 397 00:13:44,881 --> 00:13:46,152 No This is not at a, like, other, 398 00:13:46,311 --> 00:13:48,639 like, sun situation. Okay. This was purely 399 00:13:49,664 --> 00:13:51,021 like so the camry is older, 400 00:13:51,819 --> 00:13:53,356 and the the Subaru 401 00:13:53,814 --> 00:13:55,650 that I drove here, it's it's brent like, 402 00:13:55,889 --> 00:13:57,427 almost brand new. So 403 00:13:58,059 --> 00:14:00,292 and that's my wife's main car. So it 404 00:14:00,292 --> 00:14:01,808 wasn't really mined to give away... 405 00:14:02,446 --> 00:14:05,397 Oh, yeah. Offer up. Okay. Yeah. And also 406 00:14:05,397 --> 00:14:06,912 that one's brand new. So a little more 407 00:14:06,912 --> 00:14:07,811 nerves about 408 00:14:09,078 --> 00:14:11,011 about me driving it to the gym los 409 00:14:11,068 --> 00:14:12,024 she you drive that camaro. 410 00:14:12,819 --> 00:14:14,115 You're gonna open out my subaru 411 00:14:14,491 --> 00:14:15,446 in Minneapolis. 412 00:14:16,815 --> 00:14:18,567 There's was gonna be, like, 2 miles doing 413 00:14:18,646 --> 00:14:19,840 La fitness or something. 414 00:14:21,911 --> 00:14:23,344 You you're like, I'll drive you. 415 00:14:24,715 --> 00:14:27,195 Well, Yeah. Nothing nothing insurance related. No. Okay. 416 00:14:27,595 --> 00:14:27,754 Alright. 417 00:14:28,715 --> 00:14:29,434 Well, of course, 418 00:14:30,075 --> 00:14:31,215 I I do have, 419 00:14:31,595 --> 00:14:33,518 insurance if I were to drive your car, 420 00:14:33,677 --> 00:14:35,899 Sometimes the question comes up, like, oh, what... 421 00:14:36,058 --> 00:14:38,438 If somebody driving my car gets into an 422 00:14:38,438 --> 00:14:40,343 accident, Mh, you know, what happens then. 423 00:14:42,034 --> 00:14:42,355 Well, 424 00:14:43,154 --> 00:14:43,654 so 425 00:14:44,034 --> 00:14:45,575 I I I've heard 426 00:14:46,434 --> 00:14:47,894 many times, I've heard insurance 427 00:14:48,287 --> 00:14:50,673 agents try and explain it to their customers. 428 00:14:50,912 --> 00:14:52,582 And and I feel like I don't explain 429 00:14:52,582 --> 00:14:54,808 it the same way, but I'm I'm not 430 00:14:54,808 --> 00:14:56,001 an auto insurance agent. 431 00:14:56,654 --> 00:14:58,495 Okay? So I would say it this way. 432 00:14:59,214 --> 00:14:59,714 There's 433 00:15:00,174 --> 00:15:02,254 2 types of coverage under that personal auto 434 00:15:02,254 --> 00:15:06,024 policy. There's there's coverage for the property, the 435 00:15:06,024 --> 00:15:08,495 vehicle and there's coverage for liability for the 436 00:15:08,495 --> 00:15:09,610 drivers. Mh. 437 00:15:10,168 --> 00:15:11,784 And so if it's my policy, 438 00:15:12,894 --> 00:15:15,531 me and all of the drivers in my 439 00:15:15,531 --> 00:15:16,031 household 440 00:15:16,570 --> 00:15:19,366 are insurers on that policy. And we have 441 00:15:19,366 --> 00:15:22,096 liability coverage. Mh. For whatever car I drive. 442 00:15:22,255 --> 00:15:24,966 Yours, your wife's. Yeah. Yeah. At our rental 443 00:15:24,966 --> 00:15:25,206 car. 444 00:15:25,844 --> 00:15:28,395 K. I have liability coverage. So if I'm 445 00:15:28,395 --> 00:15:30,562 at fault in an accident in your car 446 00:15:30,562 --> 00:15:32,549 and I damage your property, 447 00:15:33,264 --> 00:15:34,058 my policy. 448 00:15:35,489 --> 00:15:37,237 Well pay that. Okay. Okay. 449 00:15:38,286 --> 00:15:38,524 Now, 450 00:15:39,240 --> 00:15:40,854 you might rightly question 451 00:15:41,468 --> 00:15:42,843 how much liability 452 00:15:43,219 --> 00:15:44,594 insurance does this person 453 00:15:45,063 --> 00:15:46,814 borrowing my car have. I thought that would 454 00:15:46,814 --> 00:15:48,803 have been a good follow question for you. 455 00:15:49,439 --> 00:15:51,269 You ask me. I mean, I wouldn't have 456 00:15:51,269 --> 00:15:52,463 been offended. I mean it's reasonable. 457 00:15:54,148 --> 00:15:56,873 How about this? I mean, you might know 458 00:15:57,486 --> 00:15:58,621 people that 459 00:16:01,633 --> 00:16:04,203 they they like to maybe skim 460 00:16:04,578 --> 00:16:06,489 on things. Mh. Like, maybe they just have 461 00:16:06,489 --> 00:16:08,638 the state minimum liability limits. 462 00:16:09,449 --> 00:16:11,038 You know, which I don't know what they 463 00:16:11,038 --> 00:16:12,651 are in Illinois, mh 464 00:16:13,105 --> 00:16:16,125 where you live, but, they're probably not very 465 00:16:16,125 --> 00:16:16,363 high. 466 00:16:17,254 --> 00:16:18,073 They could be 467 00:16:18,530 --> 00:16:19,806 15 25000 468 00:16:19,806 --> 00:16:20,524 dollars. Mh. 469 00:16:21,640 --> 00:16:22,140 And 470 00:16:22,996 --> 00:16:25,150 your Subaru is probably worth more than that. 471 00:16:25,309 --> 00:16:26,825 Yeah. Yeah. Being brand new. Yeah. 472 00:16:28,034 --> 00:16:28,534 So, 473 00:16:29,786 --> 00:16:31,798 yeah. Some people might be offended or 474 00:16:32,254 --> 00:16:34,005 they probably... A lot of people wouldn't even 475 00:16:34,005 --> 00:16:36,011 to know the answer you know, how much 476 00:16:36,011 --> 00:16:37,844 liability coverage do you have, if you were 477 00:16:37,844 --> 00:16:38,481 to ask them. 478 00:16:39,517 --> 00:16:42,465 But you might consider that, you know, somebody 479 00:16:42,465 --> 00:16:42,784 that's, 480 00:16:43,979 --> 00:16:44,616 let's say, 481 00:16:45,986 --> 00:16:48,934 22 years old doesn't have a very, you 482 00:16:48,934 --> 00:16:50,926 know, valuable vehicle of their own. 483 00:16:51,723 --> 00:16:53,475 It doesn't have a lot of discretionary money. 484 00:16:53,715 --> 00:16:56,119 Maybe hasn't really thought about what's gonna happen 485 00:16:56,119 --> 00:16:58,509 if I get an accident and I only 486 00:16:58,509 --> 00:17:00,739 have 25000 dollars worth of coverage. Mh. 487 00:17:01,615 --> 00:17:02,809 Yeah. They might not have a lot of 488 00:17:02,809 --> 00:17:03,606 liability insurance. 489 00:17:04,337 --> 00:17:06,167 So when I lend my car to somebody, 490 00:17:06,644 --> 00:17:07,144 which 491 00:17:07,598 --> 00:17:08,553 almost never happened. 492 00:17:09,030 --> 00:17:10,621 But if I was to do that, Yeah. 493 00:17:11,194 --> 00:17:11,914 I would be thinking, 494 00:17:12,873 --> 00:17:15,270 does this person have enough liability insurance. Yeah 495 00:17:15,270 --> 00:17:16,709 send me your policy, and I'll I'll make 496 00:17:16,709 --> 00:17:18,867 the call. Yeah. Just, yeah. Screenshot of the 497 00:17:18,867 --> 00:17:20,465 deck page. That's all I need. 498 00:17:21,435 --> 00:17:22,944 And then I can give you the key. 499 00:17:23,738 --> 00:17:25,724 Now not everybody's like me. I get that, 500 00:17:26,677 --> 00:17:28,424 but that's something that I think about. 501 00:17:29,950 --> 00:17:31,541 Yeah. Like, let's say we met up at, 502 00:17:31,940 --> 00:17:33,849 it's a family reunion, big house and it's 503 00:17:33,849 --> 00:17:35,441 some that's close enough for me to drive. 504 00:17:36,729 --> 00:17:38,559 I don't. There's prob... There there could be 505 00:17:38,559 --> 00:17:40,071 a family member that shows up where I'm 506 00:17:40,071 --> 00:17:40,628 like, yeah. 507 00:17:41,584 --> 00:17:43,812 I don't know, man. No I don't think 508 00:17:43,812 --> 00:17:45,881 so. Heart heart no. Sorry bella. 509 00:17:47,642 --> 00:17:49,386 Well, okay, Bell as a teenager. She's on 510 00:17:49,386 --> 00:17:52,479 her parents policy. I would bet that her 511 00:17:52,479 --> 00:17:53,772 parents have 512 00:17:54,715 --> 00:17:55,668 good liability coverage. 513 00:17:56,860 --> 00:17:58,448 I would I would think so. I guess, 514 00:17:59,401 --> 00:18:00,275 I don't know for sure. 515 00:18:01,069 --> 00:18:02,754 But I wouldn't lend Bella on my car 516 00:18:02,754 --> 00:18:04,193 because I don't trust her with the camaro. 517 00:18:04,352 --> 00:18:05,631 Yeah. That's more of the issue. It's not 518 00:18:05,631 --> 00:18:06,990 an insurance issue. Yeah. Yeah. 519 00:18:07,949 --> 00:18:10,426 Okay. But now I wanna, like, swing back 520 00:18:10,426 --> 00:18:12,359 to the rental car things you're right. If 521 00:18:12,359 --> 00:18:13,099 you read 522 00:18:13,480 --> 00:18:15,960 the rental car agreement. There's all these little 523 00:18:15,960 --> 00:18:17,980 things that will trigger 524 00:18:18,519 --> 00:18:21,510 cancellation of the rental agreement. Which then cancels 525 00:18:21,726 --> 00:18:22,782 any insurance 526 00:18:23,237 --> 00:18:24,907 protection that you might have purchased time. It's 527 00:18:24,907 --> 00:18:26,578 so I thought it was, like, it's it 528 00:18:26,578 --> 00:18:28,665 just like, cuts out when you're on that 529 00:18:28,665 --> 00:18:31,059 gravel road. You're saying it just outright cancels 530 00:18:31,059 --> 00:18:32,517 it for the entire 531 00:18:33,054 --> 00:18:33,873 correct rental 532 00:18:34,903 --> 00:18:35,142 Yes. 533 00:18:35,778 --> 00:18:38,164 As... No, they they all... They could be 534 00:18:38,164 --> 00:18:38,903 written differently 535 00:18:39,437 --> 00:18:41,640 different rental agreements, but the ones that 536 00:18:41,999 --> 00:18:44,477 I have seen and use in a an 537 00:18:44,477 --> 00:18:46,974 insurance class that I teach. Mh. It reads 538 00:18:47,354 --> 00:18:49,692 that the rental agreement 539 00:18:50,151 --> 00:18:50,651 terminate 540 00:18:51,283 --> 00:18:53,770 when any of these certain things 541 00:18:54,144 --> 00:18:54,621 are done, 542 00:18:55,496 --> 00:18:55,996 like 543 00:18:56,370 --> 00:18:58,142 driving on unpaid roads 544 00:18:59,806 --> 00:19:01,800 like, driving without your seat belt. 545 00:19:03,316 --> 00:19:06,187 So are there the those... Especially the seat 546 00:19:06,187 --> 00:19:07,463 belt 1 I can see is maybe a 547 00:19:07,463 --> 00:19:10,130 little reasonable, but are there like, restrictions 548 00:19:10,505 --> 00:19:11,858 on what they can put in there, because 549 00:19:11,858 --> 00:19:13,768 it's kinda, like terms and conditions, A lot 550 00:19:13,768 --> 00:19:16,315 of people probably aren't even read in those 551 00:19:16,315 --> 00:19:18,247 exclusions or those cancellation 552 00:19:18,718 --> 00:19:20,471 conditions. So of course. Then It's, like, no. 553 00:19:20,630 --> 00:19:22,144 They can't just put, like, if you sneeze 554 00:19:22,144 --> 00:19:24,774 in the car, we're canceling the policy. There's 555 00:19:24,774 --> 00:19:25,672 gotta be some 556 00:19:26,142 --> 00:19:28,127 Well, that's a better question for an attorney, 557 00:19:28,445 --> 00:19:30,271 you know, that specializes in, you know, 558 00:19:30,985 --> 00:19:33,208 contracts of adhesion like that, then, of course, 559 00:19:33,367 --> 00:19:34,796 people are not reading that they just have 560 00:19:34,796 --> 00:19:37,198 to sep in whole or not at all. 561 00:19:38,311 --> 00:19:40,698 I can't say what where the line might 562 00:19:40,698 --> 00:19:42,528 be in what they could put in there. 563 00:19:42,767 --> 00:19:43,744 But I think 564 00:19:44,533 --> 00:19:45,809 many of the things that they put in 565 00:19:45,809 --> 00:19:47,244 there are unreasonable. 566 00:19:48,280 --> 00:19:50,535 The... The unpaid pro thing is kind of 567 00:19:50,992 --> 00:19:52,608 unreasonable. Like, driveway 568 00:19:53,477 --> 00:19:56,022 Times... Well, no. That's not a road. That 569 00:19:56,022 --> 00:19:58,009 would be my argument as an attorney. Okay. 570 00:19:58,248 --> 00:19:58,884 That's not a road, 571 00:20:00,076 --> 00:20:02,723 But there are many unpaid roads 572 00:20:03,033 --> 00:20:06,994 in towns like this, vacation towns. Yeah. Or 573 00:20:06,994 --> 00:20:08,737 or all over Montana we're at work. 574 00:20:09,371 --> 00:20:09,609 Yeah. 575 00:20:11,532 --> 00:20:13,045 And the way it reads, if you take 576 00:20:13,045 --> 00:20:15,911 that rental car on an unpaid road that 577 00:20:15,911 --> 00:20:17,742 terminate the rental agreement. Well, you know and 578 00:20:17,742 --> 00:20:18,275 you know 579 00:20:18,875 --> 00:20:20,634 because most most time you rent a car. 580 00:20:21,115 --> 00:20:22,955 It's it's newer models, and all those said 581 00:20:23,115 --> 00:20:25,535 Gps. Mh. So I've 582 00:20:25,848 --> 00:20:27,041 even if it didn't they could pop an 583 00:20:27,041 --> 00:20:28,790 air like an air tag. Mh. From there. 584 00:20:29,188 --> 00:20:31,017 And they'll know exactly where you drove. Yeah. 585 00:20:31,335 --> 00:20:32,845 And that's the first thing they're checking and 586 00:20:32,845 --> 00:20:33,481 you make a claim. 587 00:20:34,372 --> 00:20:35,726 Yeah. They they could. Yeah. 588 00:20:36,602 --> 00:20:38,275 Yeah. There's things like, no, Wish I had 589 00:20:38,275 --> 00:20:39,629 the list in front of me, but it's 590 00:20:39,629 --> 00:20:41,005 it's stuff like, if you 591 00:20:41,461 --> 00:20:42,257 overload the vehicle, 592 00:20:43,784 --> 00:20:45,849 Like, should you ever have more people in 593 00:20:45,849 --> 00:20:47,676 a car than you had seat belts. Mh. 594 00:20:48,153 --> 00:20:48,947 Yeah. I have 2. 595 00:20:49,662 --> 00:20:50,298 In rental cars. 596 00:20:51,742 --> 00:20:53,251 I saw 1 where it was, like, if 597 00:20:53,251 --> 00:20:54,386 you use 598 00:20:54,760 --> 00:20:55,260 a 599 00:20:56,348 --> 00:20:58,198 device capable of 600 00:20:58,809 --> 00:20:59,945 cellular technology 601 00:21:01,130 --> 00:21:01,450 in... 602 00:21:02,490 --> 00:21:04,250 Or if you used it when it wasn't 603 00:21:04,250 --> 00:21:05,529 in hands free mode, 604 00:21:06,169 --> 00:21:09,069 that terminate your rental agreement cancels any insurance 605 00:21:09,130 --> 00:21:10,089 production might have bought with them. 606 00:21:10,902 --> 00:21:11,619 Okay? Well, 607 00:21:12,894 --> 00:21:14,430 I mean, I use it for 608 00:21:14,886 --> 00:21:17,117 navigation. If I'm in a strange place on 609 00:21:17,117 --> 00:21:19,029 a unfamiliar place. I use it for navigation. 610 00:21:19,268 --> 00:21:19,427 Yeah. 611 00:21:20,397 --> 00:21:23,015 What if the the little voice that tells 612 00:21:23,015 --> 00:21:25,395 you, hey, turned left at, you know, Strat 613 00:21:25,395 --> 00:21:26,030 and Boulevard. 614 00:21:27,141 --> 00:21:28,980 What if that gets turned off? And then 615 00:21:28,980 --> 00:21:30,250 now I have to have it in my 616 00:21:30,250 --> 00:21:31,520 hands so that I can look at it. 617 00:21:31,679 --> 00:21:33,742 Does that mean it's not enhanced free mode? 618 00:21:34,615 --> 00:21:35,489 Sounds like it. Yeah. 619 00:21:36,538 --> 00:21:37,894 I feel like those, 620 00:21:38,532 --> 00:21:41,483 rental agreements are just, pepper with things like 621 00:21:41,483 --> 00:21:44,115 that designed to have their attorneys be able 622 00:21:44,115 --> 00:21:45,470 to say, no. Gotcha. 623 00:21:45,884 --> 00:21:47,720 This is terminated. We're not paying that claim. 624 00:21:47,960 --> 00:21:48,279 Yeah. 625 00:21:49,716 --> 00:21:50,376 I'm probably 626 00:21:50,913 --> 00:21:52,510 gonna pull you off topic here, but I 627 00:21:52,510 --> 00:21:54,825 found when I did my wedding insurance policy. 628 00:21:55,318 --> 00:21:57,697 I found that stuff. Like, all those exclusions. 629 00:21:58,253 --> 00:21:59,125 Interesting. It's like, 630 00:21:59,839 --> 00:22:00,791 a nuclear war, 631 00:22:01,346 --> 00:22:01,584 you know. 632 00:22:03,980 --> 00:22:06,523 Civil war. It's like, yeah, that happens. 633 00:22:07,476 --> 00:22:08,589 We're not covering it. 634 00:22:09,781 --> 00:22:10,019 Well, 635 00:22:10,829 --> 00:22:12,978 Yeah. But if if those are things that 636 00:22:12,978 --> 00:22:15,845 don't happen. Yeah. Those were III don't remember 637 00:22:15,845 --> 00:22:18,233 anything in there that were unreasonable. I think 638 00:22:18,233 --> 00:22:18,733 though 639 00:22:19,441 --> 00:22:19,600 like, 640 00:22:20,633 --> 00:22:21,824 if you're left the alter, 641 00:22:22,301 --> 00:22:23,572 I think that 1 that 1 is in 642 00:22:23,572 --> 00:22:23,731 there. 643 00:22:24,605 --> 00:22:25,717 Yes. That stuff happens. 644 00:22:26,369 --> 00:22:28,523 Well, I haven't read it recently, but I 645 00:22:28,523 --> 00:22:29,422 read that policy 646 00:22:29,879 --> 00:22:32,134 with you, and I do remember that 647 00:22:32,672 --> 00:22:33,230 there. Yeah. 648 00:22:34,043 --> 00:22:35,638 I don't remember anything I like ridiculous stuff, 649 00:22:35,798 --> 00:22:36,537 Like, if 650 00:22:38,191 --> 00:22:40,743 the cater doesn't show up or something. I 651 00:22:40,743 --> 00:22:41,939 don't think I me that there. 652 00:22:42,817 --> 00:22:43,056 Right. 653 00:22:44,662 --> 00:22:46,410 Things... Well, you know, this would be a 654 00:22:46,410 --> 00:22:48,079 fun little game. What what would be things 655 00:22:48,079 --> 00:22:50,066 that do go wrong at weddings that they 656 00:22:50,066 --> 00:22:51,973 could possibly put in there just to cancel 657 00:22:51,973 --> 00:22:53,419 your coverage. The first 1 that comes to 658 00:22:53,498 --> 00:22:56,042 My is the Brat group not showing up. 659 00:22:57,076 --> 00:23:00,358 Yeah. What about, like, you know, a vendor, 660 00:23:00,732 --> 00:23:01,709 like a flo 661 00:23:02,179 --> 00:23:02,499 you know, 662 00:23:03,218 --> 00:23:05,694 not coming through with their contractual obligations and 663 00:23:05,694 --> 00:23:08,171 there's no flowers. Yeah. Like, you can't cancel 664 00:23:08,171 --> 00:23:09,785 a wedding because of that. I don't know 665 00:23:09,785 --> 00:23:12,105 if you ever... If... Ashley, my wife ever 666 00:23:12,105 --> 00:23:13,085 told you this, but 667 00:23:13,545 --> 00:23:15,164 her hair and makeup person 668 00:23:15,625 --> 00:23:16,265 got Covid. 669 00:23:17,638 --> 00:23:18,138 The 670 00:23:19,148 --> 00:23:22,010 evening before, she she posts on Instagram. Doesn't 671 00:23:22,010 --> 00:23:23,520 tell actually. Post on Instagram. 672 00:23:24,236 --> 00:23:24,951 I've got Covid. 673 00:23:25,765 --> 00:23:28,244 I'm not going to any of my appointments. 674 00:23:29,924 --> 00:23:31,125 That was a big... That was like the 675 00:23:31,125 --> 00:23:31,625 big 676 00:23:32,244 --> 00:23:32,744 wedding 677 00:23:33,525 --> 00:23:34,325 scare mess up. 678 00:23:35,059 --> 00:23:36,972 Thing that went wrong for ours. I don't 679 00:23:36,972 --> 00:23:39,365 know if that would have been covered... I 680 00:23:39,365 --> 00:23:41,619 mean, because Covid was still pretty new 681 00:23:42,076 --> 00:23:43,511 when all that when all that stuff went 682 00:23:43,511 --> 00:23:43,750 down. 683 00:23:44,323 --> 00:23:45,993 We had to move... I mean, we had 684 00:23:45,993 --> 00:23:48,300 to move ours. Yeah. And when you did, 685 00:23:48,459 --> 00:23:50,925 you got you got paid the Yeah. The. 686 00:23:51,258 --> 00:23:52,847 Got a small clean page is my venue 687 00:23:52,847 --> 00:23:55,390 cost it went up. Good thing. Yeah. 688 00:23:56,344 --> 00:23:58,172 I think prior to Covid, 689 00:23:58,584 --> 00:24:00,182 A lot of people have just poo poo 690 00:24:00,182 --> 00:24:02,020 those sorts of policies like that. That's a 691 00:24:02,020 --> 00:24:04,257 waste of money. Weddings are already so expensive. 692 00:24:04,736 --> 00:24:05,535 Type of the insurance. 693 00:24:06,426 --> 00:24:08,036 And so many people, 694 00:24:08,487 --> 00:24:10,628 you know, got paid on claims, you know, 695 00:24:10,708 --> 00:24:12,452 that same summer that you did. Yeah. The 696 00:24:12,452 --> 00:24:13,483 payment wasn't too bad. 697 00:24:14,214 --> 00:24:16,368 And it it was it was on top 698 00:24:16,368 --> 00:24:17,245 of that, like, 699 00:24:18,442 --> 00:24:19,580 lot of party liability 700 00:24:20,117 --> 00:24:21,567 that I had to get. Mh. 701 00:24:22,442 --> 00:24:23,716 You got an open bar and a wedding. 702 00:24:24,193 --> 00:24:26,262 All, these menus are yeah you're get need. 703 00:24:27,376 --> 00:24:29,047 You're gonna eat some coverage. Yeah. 704 00:24:30,971 --> 00:24:32,642 Yeah. The insurance is always worth that when 705 00:24:32,642 --> 00:24:33,517 you get your claim paid. 706 00:24:34,233 --> 00:24:35,188 Sure. Yeah. Yeah. 707 00:24:36,938 --> 00:24:38,529 Alright. So I think we're about out of 708 00:24:38,529 --> 00:24:40,057 time right there. But Jake, 709 00:24:40,774 --> 00:24:43,246 appreciate you joining me here in Mansfield field, 710 00:24:43,804 --> 00:24:45,000 Ohio. Thanks for having me. 711 00:24:46,036 --> 00:24:47,630 Hopefully, there was at least 1 interesting thing 712 00:24:47,630 --> 00:24:49,477 in about insurance in there, and maybe we'll 713 00:24:49,477 --> 00:24:51,546 have a follow up after your Germany trip. 714 00:24:51,706 --> 00:24:54,333 Yeah. A little bit about international car rental 715 00:24:54,333 --> 00:24:55,846 coverage. Yeah. Have a good forward to it. 716 00:24:56,179 --> 00:24:58,648 Alright. Cool. Thanks everybody. If you are a 717 00:24:58,648 --> 00:25:02,096 licensed insurance agent and you need insurance continuing 718 00:25:02,393 --> 00:25:02,632 education, 719 00:25:03,364 --> 00:25:06,873 check out our live webinars at BMFCE 720 00:25:06,873 --> 00:25:09,904 dot com. If you just love the show, 721 00:25:10,542 --> 00:25:12,376 maybe forward an episode to 722 00:25:13,029 --> 00:25:14,070 1 of your loved ones, 723 00:25:14,710 --> 00:25:15,210 and 724 00:25:15,750 --> 00:25:16,549 leave us a rating, 725 00:25:17,349 --> 00:25:17,830 leave us 726 00:25:19,509 --> 00:25:21,029 leave us a review or you just say 727 00:25:21,029 --> 00:25:23,863 a you quit nice words and maybe subscribe 728 00:25:24,480 --> 00:25:25,917 and check back in a couple weeks We'll 729 00:25:25,917 --> 00:25:27,913 have another episode soon. Thanks. 730 00:25:37,753 --> 00:25:38,712 What's going on up there? 731 00:25:42,724 --> 00:25:43,045 Ice. 732 00:25:44,244 --> 00:25:45,365 The hot 1 in Mansfield. 733 00:25:46,964 --> 00:25:48,484 On the mic, it sounds like somebody was, 734 00:25:48,565 --> 00:25:50,025 like, falling down a 735 00:25:50,577 --> 00:25:51,850 like several flight of stairs. 736 00:25:56,626 --> 00:25:57,262 What we talking?