Episode #8: How to find the right car insurance? - Stewart J. Guss, Attorney At Law

episode of the B

e
king Do
n The L Podc

e joined by Tiff

ny Little, ou

int

efe

l te

m m

geho de

ith the insunce on

ily b

sis. She’s joined by B

e
king Do
n The L Podc

st host,

shley

iguez. Du

ing tod

y’s episode,

e’ll be

essing

ll topics

ted to <

ef="https:

inju

yvictims.com

-much-c-insunce-do-i-need-in-houston-tex

s/”>ho

much c insunce you need<>

nd the diffe

ent types of c insunce covege.

Single pe
son vs f
mily does it m
tte

hen it comes to c

insu

nce?
h
t type of insu

nce cove

ge is
v
il
ble?<
li>
h
t should I look fo

hen buying c

insu

nce?
h
t the heck is PIP?
Ho
much insunce covege do I
e
lly need?<
li>
hen should I d
op full cove

ge
nd m
int
in li
bility insu

nce only?

Tiff

ny discusses these points

nd so m

ny mo

e, so

e hope you’ll join us fo

this episode! You c

n len mo

bout n style=”font-

eight: 400;">Ste

t J. Guss, Inju

ccident L

n> by visiting us online

ef=”https://c

inju

yvictims.com

“>

.cinju

yvictims.com > St

y tuned fo

the next inst

llment of the B

e
king Do
n The L Podc

ith Ste

t J Guss

shley

iguez!

Cont

ct Us: 281-783-3934 o

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kingDo

nTheL

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em> ong> Int
o : 0:09

B
e
king do
n the L, B
e
king do
n the L
podc
st hosted by
tto
neys
nd leg
l speci
lists discussing eve
yd
y l
nd ho
it
ffects
egul people,
egul

people. Let’s b
e
k do
n the l
ith ou
host, Ste
t Guss
nd
shley
od
iguez. They h
ve the inside scoop on eve
ything leg
l
nd ne
s
o
thy.
shley
od
iguez : 0:34

Hey, it’s
shley
nd
elcome to B
e
king Do
n the L

. Tod
y
e h
ve
speci
l guest
ith us Tiff
ny Liddell.
nd
e'
e going to t
lk
bout insu

nce. Tiff
ny's. You
emembe
the fi
st time you h
d to buy c insunce
nd
h
t you thought
nd ho
you h
d to do th
t?

Tiff
ny Little : 0:51 Yes, I definitely do. I'll stt this sto
y
bout seeing my mothe
is one of those people
ho s
ys you c
n neve
h
ve to Much insunce, so no
mount of insu

nce is eve
enough in ou
eyes. So
s most young people,
hen you st

t d
opping, you'
e no
m
lly

e going to be on you
pents policy. So I s on my mom's policy fo
seve

l seve

l ye

s, even
fte
I left the house, go to college, I just
em
ined on he
policy. So it c
me to the point
hen I s getting m
ied,
nd my mom s like, ok
y, you need to go
he
d
nd get you
o
n policy no
th
t obviously, I s getting m
ied, I

s gonn
h
ve
husb
nd, so
e
e
e gonn
h
ve
policy togethe
.
nd
hen I cont
cted the fi
st insunce
gent, it

s somebody th
t my mom
efe

ed me to.
nd the pe
son st

ted
sking me,
ell,
hy do you h
ve
ll this covege?
hy do you h
ve
ll this cove

ge?
nd I'm like,
h
t do you me
n? Like, I just, it’s insu

nce. I’ve
lys h
d insu

nce.
nd up to this point, I h
d neve
h
d to follo

pl
ne othe
th
n one time th
t my vehicle got stolen, but othe
th
n th
t I'd h
d
n
ccident o
collision onything like th
t. So I

s kind of confused
hen they
e
e
sking me
hy I h
d so much cove

ge
nd I'm like,
h
t do you me
n I just h
ve
h
t I'm supposed to h
ve
nd They'
e like,
ell, no, the
e’s like, do you use you
c fo
business? I’m like, No, I’m just me, you kno
, no
get m
ied.
nd the guy

s like,
ell, you evee
lly h
d policies like you h
ve
comme
ci
l level policy?
nd then it m
de sense
hen I thought
bout my mothe
.
nd I'm like,
ell, obviously, I
ould h
ve. So th
t m
de sense. But
t the s
me time, I’m gl
d bec
use she m
de su
e
e h
d mo
e covege
nd
h
t
e
ould no
m
lly need on
typic
l b
sis. So it did
llo
me to
e
lly len
lot
bout insunce
nd
ll the diffe
ent types of cove

ges
nd
h
t m
y be good fo
one pe
son m
y be not so good fonothe
. It
e
lly opened my eyes to th
t
nd
e
lly m
de me
e
lly nt to len mo
e
bout the insunce indust
y.
shley
od
iguez : 2:39 Ye
h, of cou
se, bec
use I don’t think
e eve
think
bout ho single pe
son ve
sus
f
mily
ould

nt diffe
ent types of insunce. Tiff
ny Little : 2:49

Ex
ctly, ex
ctly.
nd it m
kes
huge diffe
ence.
shley
od
iguez : 2:52 So
h
t insunce covege types e
v
il
ble?

Tiff
ny Little : 2:56
ell, in the st
te of Tex
s
e h
ve
nd most people they
ill he
hen
e s
y live Only, th
t’s gonn
be you
b
sic minimum policy th
t the st
te
equi
es
ny d
ive
to h
ve to be on the
o
d opeting
vehicle. So fo
Tex
s th
t's 30 6030, th
t fi
st 30 is going to
ep
esent you
bodily inju
y this fo
self, the 60
ould pe
t
in to
ny occup
nts th
t
ill be in the vehicle.
nd th
t 60 is not e
ch, it’s just one booking of 60 th
t
ill be splitting off,
hethe
it’s t
o o
fou

ddition
l people in the vehicle.
nd then the l
st numbe
, the 30, th
t coincides
ith the p
ope
ty d
m
ge. So th
t
ould be the m
x
mount th
t they
ould be
illing to p
y off p
ope
ty, then tie
one
ould be you
50 150.
nd it follo
s the s
me
ules. tie
t
o
ould be you
100 300 100.
nd then tie
th
ee is going to be the m
x th
t you c
n h
ve on
pe
son
l policy in the st
te of Tex
s,
hich is the 250 502 50. No
sep
te f
om it. The
e’s
lso pe
son
l inju
y p
otection,
nd
lot of people
l

ys
sk
h
t's Diffe
ence like,
h
t if I
l
e
dy h
ve, you kno
, the bodily inju
y cove

ge? You kno
, I
l
e
dy h
ve the 5100 policy. So I
l
e
dy h
ve covege,
hy
ould I need pe
son
l inju
y p
otection
s
ell?
ell, the benefit of the pe
son
l inju
y p
otection is th
t it
ill cove

nyone in the vehicles, medic
l bills o
t
e
tment. Um, so it does help
ith it.
nd then it
lso does not m
tte

ho

s pl
ced
t f
ult. So even me, if I s
d
ive
d
iving my o
n vehicle, I

s f
cing
f
ult. I could still if I s inju
ed, I could still utilize those benefits th
t I h
ve unde
ne
th P
P. Those I
ould s
y e the b
sic th
t's you
b
sic tes.
nd then PIP is
big one th
t
lot of people
t
ll.
nd then obviously othe
th
n th
t, it's
ll the othe

ttitudes,
hethe
you

nt
ent
l c

cove

ge,
o
dside
ssist
nce, you kno
, you c
n get into
dding
lot of diffe
ent things
nd
h
t I c
ll l
c

te, but th
t's the m
in thing is just m
king su
e you h
ve th
t cove

ge fo
the you kno
, bodily inju
y
nd fo
you
p
ope
ty d
m
ge.
shley
od
iguez : 4:55 Ye
h, I think
lot of people misunde
st
nd
h
t pip is, though.
hy they
ould
e
lly need it? Tiff
ny Little : 5:03
ell,
nd th
t's
hy I s
id, th
t’s the biggest diffe
ence, bec
use if I’m in
c
ccident,
nd it's my f
ult, I c
n't f
ll unde
ne
th my bodily inju
y on my
egul

fi
st pty insunce bec
use it’s my f
ult. You kno
, th
t's my insunce No
, if the othe
vehicle th
t I

s in the
ccident
ith,
nd I pe
son
lly thought they c
n obviously follo
my insunce unde
ne
th my 5100 pl
n th
t I h
ve, in o
de
to m
ke su
e thei
inju
ies
nd thei
c

s t
ken ce of
nd
ll th
t the benefit of PIP is even if I’m
t f
ult,
t le
st I still h
ve some money the
e th
t c
n help go to
ds my medic
l bills. No
those policies diffe
. Some people might h
ve 20 $500 in fibs, some might h
ve 10,000. Th
t
ll depends on the pe
son
nd
h
t type of p
otection they nt to
dd to thei
insunce
ccount.
shley
od
iguez : 5:52 Ye
h, I me
n, it's
e
lly impo
t
nt if you need th
t ext

money to cove
you
medic
l bills fo
th
t unexpected
ccident th
t I me
n, let’s be
e
l Nobody

nts to be in f
ll of
n
ccident. But sometimes things h
ppen.

Tiff
ny Little : 6:05 He
e, sometimes things definitely do h
ppen. So,
hen it comes to insu

nce is t
ying to p
ep

e fo
the unkno
n is the best

y I c
n desc
ibe you bec
use you don't kno
,
e don't kno
,
e c
n’t pl
n ho
the
ccidents gonn
h
ppen, you c
n’t pl
n
ho’s gonn
hit you. So you'
e just p
eping
s
ell
s you c
n
ith some of the potenti
l issues o
diffe
ent things th
t m
y come
bout
ith if you h
d somebody th
t sn't insu
ed o
something like th
t. You just

nt to be
s p
ep

ed
s you c
n, given the situ
tion th
t it h
sn't even h
ppened yet.
shley
od
iguez : 6:36 So
h
t should I look fohen buying c insunce? Tiff
ny Little : 6:41

In my pe
son
l opinion, I think
h
t I no
m
lly look fo
is, ok
y,
ell ho
often do you d
ive the c, you kno
, bec
use th
t h
s
diffe
ent ting
s f
s does it put you
t mo
e
isk fo

n
uto
ccident o
less so obviously, if I h
ve someone
ho d
ives thei
c only one d
y

eek, she only d
ives too much E
ch

y, so he

eekly d
iving is fou
miles, then I h
ve
nothe
pe
son
ho they commute eve
y d
y b
ck
nd fo
th 30 miles e
ch y. So th
t’s 60 miles
d
y, times five. So th
t's 300. So,
hen you look
t those numbe
s,
ho h
s
higheisk of getting into
n
ccident,
shley
od
iguez : 7:20

obviously someone th
t's on the
o
d
ll the time

Tiff
ny Little : 7:23 th
t’s on the
o
d mo
e,
ight? So th
t's
hy it’s th
t's the type of thing so if it's
c

th
t you d
ive, o
s
y you only d
ive it on Sund
ys,
lot of people don't kno
th
t if you let the insunce kno
, ok
y, this is
g
ge kit c th
t I only d
ive this me miles eek. I me
n, you c
n p
ob
bly get
lo
e
te fo
th
t c

bec
use it's not
c

th
t you'
e d
iving eve
y d
y. It's not you
eve
yd
y c

. So it’s ve
y impo
t
nt to communic
te
ith
hoeve
you
insu

nce
gent, o
if you’
e using the online
pp, m
ke su
e you put
ll th
t info
m
tion in the
e.
nothe
thing to think
bout is
h
t is the v
lue of you
c

. You kno
, if you'
e buying b

nd ne
cs, it e $100,000 I'll m
ke sense fo
you to get
n insu

nce policy th
t's
50 150. Th
t 50,000 in p
ope
ty d
m
ge is not going to cove
you
hund
ed thous
nd doll c doesn't
e
lly m
ke sense. You kno
? So depends on th
t.
nd then
lso
hethe
o
not you'
e m
king lo
ns, bec
use I kno
most lende
s th
t I kno
th
t if you
c's unde
p
yments, o
you kno
you'
e p
ying
lo
n off on you
c

, then they
equi
e you to m
int
in full cove

ge, so th
t in the event th
t th
t h
ppens,
nd you get in
n
ccident, they nt to m
ke su
e th
t th
t c, they'
e going to be
ble to get the c fixed o
get
eimbu
sed o
you kno
,
h
teve
might h
ppen
s the end
esult, but they just

nt to m
ke su
e th
t they'
e not going to be just out of
o
k
hen you get into
c
ccident,
nd you don’t h
ve
ny insu

nce on the c
h
t they go on.
shley
od
iguez : 8:44 Ye
h, I me
n, I guess even if you h
d g
p insunce, you could put th
t into the
e
nd on kind of
h
t you
ould need. Tiff
ny Little : 8:51

Yes, definitely.
nd th
t c
n kind of help to fill it in. Bec
use
e
ll kno

ith vehicles the minute
e d
ive them off the lot they dep
eci
te. So th
t's
nothe
thing th
t’s like hey, H
ving get m
ke su
e
h
teve
th
t insunce doesn't cove
, then I h
ve my get to pick it up.
nd especi
lly in inst
nces
he
e you might h
ve somebody th
t they’
e not only insu
ed, they’
e just unde
insu
ed. So s
y fo
inst
nce, they only h
d 236 30.
nd you
c's tot
led in you
c cost you 65,000.
ell, if you h
ve the ce
t
in unde
insu
ed is ce
t
in othe
things you c
n
dd to you
policies th
t m
y end up helping you in the end to
he
e you don't end up h
ving to e
t
ll th
t money in the
e. Like
e s
id, the g
p insunce th
t
ouldn't be the
e to fill in th
t g
p.
shley
od
iguez : 9:32 So ho
much insu

nce cove

ge Do you think I
e
lly need?

Tiff
ny Little : 9:37
ell,
s I st
ted e

lie
, b
sed on
h
t my mom
lys t
ught me, my fi
st
esponse is no
mount of insunce is eve
too much. But I
m
lso one of those people th
t h
ve multiple insu

nce policies
nd supplement
l insu

nce just bec
use th
t

s
lys d
illed into me th
t you p
y on in ou
c
se you needed l
te
. But in this inst
nce,
e c
n neve
p
edict
n
ccident oh
t type of c

Someone else might h
ve. So I think it's best to
l

ys pl
n fo
the
o
st, o
opete unde
ne
th the
ssumption th
t m
ny d
ive
s don’t m
int
in insu

nce.
nd th
t’s the
e
lity of it. So
lthough you m
y h
ve e
lly good insu

nce policy, depending on the situ
tion, oh
t h
ppens, you need to m
ke su
e you p
ep

e you
self fo
th
t pe
son
ho m
y not h
ve
ny insu

nce, o
m
ybe they just don’t h
ve enough covege to coveh
teve
needs o
m
ybe the
mount of you
p
ope
ty d
m
ge oh
teve
. So he
l

ys shut up fo
me, I
ould s
y
l

ys shut up p
epe foh
t is even though th
t's kind of cliche, bec
use you c
n't p
ep

e fo
eve
yone if, but if you look
t some f
cto
s
nd s
y, Ok
y, I kno
I d
ove my c

this much. I kno
my c's
o
th this, m
ybe I

nt to get the 5100 But ok
y, I h
ve my c

. I d
ive it eve
y d
y
lso
ith my th
ee o
fou
kids. So
nd even bec
use I h
ve mo
e occup
nts, I might s
y, Oh,
ell, m
ybe I

nt to do the highe
tiehich is the 100 300 is just you h
ve to look
t you
o
n life in this Some of
h
t you'
e going to be comfo
t
ble
ith, obviously,
s f
s p
yments, bec
use insunce costs us money. So th
t’s the othe
f
cto
, but
lso shopping

ound shop shop shop

ound, you’d be su
p
ised ho
insunce ch
nges just f
om one digit in you
zip code to
he
e you live to diffe
ent
dd
esses.
nd the
e's so m
ny f
cto
s. So I
ould s
y
lys do youesech
nd shop

ound befo
e you just go
ith the fi
st co
t th
t you get f
om the fi
st insunce comp
ny.
shley
od
iguez : 11:25
nd it’s just one of those things like pl
nning fo
th
t unexpected like Se
d
lys s
ys, No one puts thei
p
nts on in the mo
ning, o
thei
ski
ts
nd pl
ns get
n
ccident but then you kno
, it h
ppens
nd
e don’t kno

h
t th
t pe
son's doing o
if it’s
hit oun oh
teve
.
e
lys nt to p
otect ou
selves. Tiff
ny Little : 11:43

Su
e it
l

ys

nt to p
otect you
self.
nd like I s
id, it’s not even
h
t you m
ke, pe
se
e h
ve to p
otect ou
selves bec
use
e don’t kno

h
t othe
insu

nce th
t the othe
pe
son th
t you get into
ccident m
y o
m
y not m
ke 10 so th
t’s the biggest thing is p
eping you
self bec
use
lthough you
ill
ish th
t eve
ybody
ould do the
ight thing
nd not d
ive if they didn’t h
ve insunce. Being in the job
e

e tod
y in the indust
y
e e tod
y pe
son
l inju
y.
e kno
th
t’s just not f
ctu
l.
shley
od
iguez : 12:11 Yes,
e see some s
d things. Tiff
ny Little : 12:13

Uh huh.
shley
od
iguez : 12:14 So
hen should I d
op full covege
nd only m
int
in li
bility? Tiff
ny Little : 12:20

I
ould s
y neve
, neve
d
full covege. Bec
use the minute you go do
n
li
bility, s
y fo
inst
nce, you
c gets stolen, you
insu

nce doesn’t cove
th
t you
c gets flooded. You
insu

nce doesn’t cove
th
t it cove
s li
bility, me
ning if you'
e li
ble if you hit somebody else, o
you
e
e the
esponsible pty, in
n
ccident, you h
ve enough cove

ge just to m
ke su
e you get you’
e going to t
ke c

e of the othe
pt. It does not coveny of those othe
things th
t could potenti
lly h
ppen to you
vehicle. In
lso,
s
e discussed elie
, look ho
m
ny people don’t m
int
in insu

nce
t
ll. So if you get into
n
ccident
nd somebody hits you
nd you only h
ve li
bility, you’
e still not Going to be
ble to do
nything unde
ne
th you
o
n insunce policy bec
use you only m
int
in li
bility. No
I do kno
this some people do m
int
in li
bility cove

ge bec
use it is the che
pest
nd most economic
l. So if th
t's the only thing th
t you c
n
ffo
d, I just highly suggest
dding uninsu
ed moto
ist
s
ell. So the le
st you h
ve some cove

ge bec
use th
t is
n option. You c
n h
ve li
bility but
dd the unde
insu
ed moto
ist solo le
se. If somebody gives you this uninsu
ed
t le
st you
ill h
ve some cove

ge.
shley
od
iguez : 13:30 Oh ye
h, th
t's
good ide
. But ye
h,
e e
l

ys t
ying to p
otect ou
selves
nd you h
ve to find th
t b
l
nce fo
you
self bet
een you
p
yments
nd
h
t you’
e doing. But it's definitely shop ound I me
n, the
e's so m
ny diffe
ent comp
nies out the
e so you c
n kind of b

g
in shop but get the most covege th
t you c
n. Tiff
ny Little : 13:52

Yes, m
'
m. I
g
ee th
t 100% you don't nt to p
y mo
e th
n
h
t you’
e comfo
t
ble
ith. But
t the s
me time, it goes b
ck to
nything else
hen you s
y you get
h
t you get Fo
, th
t’s the t
uth, they'll just m
ke su
e you shop ound
nd get the best de
l foh
t you’
e p
ying fo
. But you'
e still going to get
h
teve
you p
y fo

hen it comes to the
mount of covege th
t you’
e seeking.
shley
od
iguez : 14:11
l
ight, Tiff
ny, do you think the
e’s
nything else th
t
e need to she
ith the
udience
bout insu

nce tips?

Tiff
ny Little : 14:18 Nope, I think th
t’s it. Like I s
id, Just do youesech. Don't
llo

ny g
ps in you
insu

nce bec
use th
t
ill c
use you
tes to go up. Obviously, if you'
e
b
d d
ive
, but ove
the net if you'
e the typic
l pe
son
ho
bides by the l

, you d
ive you h
ven’t h
d
ny
ccidents. Fo
the most p

t, you should be
ble to get
ve
y comp
ble

te
nd like I s
id, I
ould
t le
st
t
minimum check th
ee o
fou
diffe
ent insunce comp
nies befo
e I
e
lly go
ith one
nd then
lso double check
h
t
ll they'
e offe
ing you
ithin not just the cove

ge but

e you getting
ent
l c

cove

ge,

e you getting to
covege, like
lot of them
ill
dd like little ext

s in
nd th
t m
y be
hy the p
ice goes up
nd you h
ve ight to s
y no, I don’t

nt it like m
ybe you don't nt to m
ybe you don’t

nt
o
dside
ssist
nce, th
t's
ll you
option to
he
e you c
n t
ke some of those things
y th
t'll m
ybe help to get to
mo
e
e
son
ble numbe
th
t you'
e comfo
t
ble
ith
s f
s you
monthly p
emium.
shley
od
iguez : 15:11

So if the
e s one thing th
t

s ext

besides the
egul, like, let's just s
y
e h
d the tie
one, not the li
bility, but the tie
one policy,
nd
e h
d to
dd on those ext
h
t is the numbe
one th
t
e should
dd? Tiff
ny Little : 15:26

I
ould definitely s
y PIP, I
ill definitely s
y the pe
son
l inju
y p
otection bec
use it's just
n ext

l
ye
. Th
t's something th
t they c
n p
y di
ectly to the insunce comp
ny. If you
ent to the hospit
l
nd
nd no
you nt to docto
s, they c
n eithe
p
y it like th
t o
if you h
ve
n
tto
ney, then
ll th
t is no
m
lly sent ove
to you

ep
esent
tive
nd you
ill get th
t p
yment, you kno

ith
h
teve
settlement you m
y be
eceiving, but I
ould definitely s
y it neve
hu
ts to h
ve ext

pe
son
l inju
y p
otection o

ny type of bodily inju
y onything th
t’s going to go to
ds if you get hu
t. Ho

m I going to be
ble to p
y these medic
l bills e h
ving to
oy
bout p
ying medic
l bills bec
use th
t’s the l
st thing
e

nt
nybody
o

ied
bout th
t you’
e de
ling
ith
n
ccident o loss, something like th
t?
shley
od
iguez : 16:10 Definitely I
g
ee.
ell, th
nk you
ll fo
listening to B
e
king Do
n the L

. Till next time. Cont
ct us
t 281-783-3934

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