Fo
ouepisode of the B
eking Do
n The L Podcst
e'e joined by Tiff
ny Little, ouint
kend
efel te
m mn
geho dels
ith the insunce ond
ily bsis. She’s joined by B
eking Do
n The L Podcst host,
shleyod
iguez. Duing tod
y’s episode,e’ll be
ddessing
ll topicsel
ted to <h
ef="https:/c
inju
yvictims.comho
-much-c-insunce-do-i-need-in-houston-texs/”>ho
much c insunce you need<>nd the diffe
ent types of c insunce covege.- Single pe
son vs f
mily does it mtte
hen it comes to c
insu
nce?
-
h
t type of insu
nce cove
ge is
vil
ble?<li>
-
h
t should I look fo
hen buying c
insu
nce?
-
h
t the heck is PIP?
- Ho
much insunce covege do Ie
lly need?<li>
-
hen should I d
op full cove
ge
nd mint
in libility insu
nce only?
Tiff
ny discusses these pointsnd so m
ny moe, so
e hope you’ll join us fothis episode! You c
n len moe
boutt J. Guss, Inju
yccident L
ye
s<sp
n> by visiting us onlinet<
hef=”https://c
inju
yvictims.com“>
.cinjuyvictims.com
> Sty tuned fo
the next instllment of the B
eking Do
n The L Podcst
ith Stet J Guss
ndshley
odiguez!
Cont
ct Us: 281-783-3934 o<
hef=”m
ilto:Be
kingDonTheL
@gm
il.com">Be
kingDonTheL
@gm
il.com<> If you nt to subscibe to ou
podcsts on you
fvo
ite podcsts pl
ye<
hef=”https://b
ekingdo
nthel.buzzspout.com”> click he
e<> foll the links to ech one!
div> c=”https:// out.com/1311943/5277778-episode-8-ho ight-c -insu nce.js?cont _id=buzzsp ye ye ll” type=”text/j sc sc
nsc
ipt [This tnscipt
s c
eted using
nutom
ted tnsciption se
vicend m
y contin e
o
s]<em> ong> Int
o : 0:09
B
eking do
n the L, Be
king don the L
podcst hosted by
ttoneys
nd legl speci
lists discussing eveyd
y lnd ho
itffects
egul people,egul
people. Let’s b
ek do
n the lith ou
host, Stet Guss
ndshley
odiguez. They h
ve the inside scoop on eveything leg
lnd ne
so
thy.shley
odiguez : 0:34
Hey, it’s
shleynd
elcome to Be
king Don the L
. Tod
ye h
vespeci
l guestith us Tiff
ny Liddell.nd
e'e going to t
lkbout insu
nce. Tiff
ny's. Youemembe
the fist time you h
d to buy c insuncend
ht you thought
nd hoyou h
d to do tht?
Tiff
ny Little : 0:51 Yes, I definitely do. I'll stt this stoy
bout seeing my motheis one of those people
ho sys you c
n neveh
ve to Much insunce, so nomount of insu
nce is eve
enough in oueyes. So
s most young people,hen you st
t d
opping, you'e no
mlly
e going to be on you
pents policy. So I s on my mom's policy foseve
l seve
l ye
s, even
fteI left the house, go to college, I just
emined on he
policy. So it cme to the point
hen I s getting mied,
nd my mom s like, oky, you need to go
hed
nd get youo
n policy noth
t obviously, I s getting mied, I
s gonn
hve
husbnd, so
ee
e gonnh
vepolicy togethe
.nd
hen I contcted the fi
st insuncegent, it
s somebody th
t my momefe
ed me to.
nd the peson st
ted
sking me,ell,
hy do you hve
ll this covege?hy do you h
vell this cove
ge?
nd I'm like,h
t do you men? Like, I just, it’s insu
nce. I’ve
lys hd insu
nce.
nd up to this point, I hd neve
hd to follo
pl
ne otheth
n one time tht my vehicle got stolen, but othe
thn th
t I'd hd
nccident o
collision onything like tht. So I
s kind of confused
hen theye
esking me
hy I hd so much cove
ge
nd I'm like,h
t do you men I just h
veh
t I'm supposed to hve
nd They'e like,
ell, no, thee’s like, do you use you
c fobusiness? I’m like, No, I’m just me, you kno
, noget m
ied.nd the guy
s like,
ell, you eveelly h
d policies like you hve
commeci
l level policy?nd then it m
de sensehen I thought
bout my mothe.
nd I'm like,ell, obviously, I
ould hve. So th
t mde sense. But
t the sme time, I’m gl
d becuse she m
de sue
e hd mo
e covegend
ht
eould no
mlly need on
typicl b
sis. So it didllo
me toe
lly lenlot
bout insuncend
ll the diffeent types of cove
ges
ndh
t my be good fo
one peson m
y be not so good fonothe. It
elly opened my eyes to th
tnd
elly m
de mee
lly nt to len moe
bout the insunce industy.
shleyod
iguez : 2:39 Yeh, of cou
se, becuse I don’t think
e evethink
bout ho single peson ve
susf
milyould
nt diffe
ent types of insunce. Tiffny Little : 2:49
Ex
ctly, exctly.
nd it mkes
huge diffeence.
shleyod
iguez : 2:52 Soh
t insunce covege types ev
ilble?
Tiff
ny Little : 2:56ell, in the st
te of Texs
e hve
nd most people theyill he
hene s
y live Only, tht’s gonn
be youb
sic minimum policy tht the st
teequi
esny d
iveto h
ve to be on theo
d opetingvehicle. So fo
Texs th
t's 30 6030, tht fi
st 30 is going toep
esent youbodily inju
y this foself, the 60
ould pet
in tony occup
nts tht
ill be in the vehicle.nd th
t 60 is not ech, it’s just one booking of 60 th
till be splitting off,
hetheit’s t
o ofou
ddition
l people in the vehicle.nd then the l
st numbe, the 30, th
t coincidesith the p
opety d
mge. So th
tould be the m
xmount th
t theyould be
illing to py off p
opety, then tie
oneould be you
50 150.nd it follo
s the sme
ules. tiet
oould be you
100 300 100.nd then tie
thee is going to be the m
x tht you c
n hve on
peson
l policy in the stte of Tex
s,hich is the 250 502 50. No
septe f
om it. Thee’s
lso peson
l injuy p
otection,nd
lot of peoplel
ys
skh
t's Diffeence like,
ht if I
le
dy hve, you kno
, the bodily injuy cove
ge? You kno
, Il
edy h
ve the 5100 policy. So Il
edy h
ve covege,hy
ould I need peson
l injuy p
otections
ell?ell, the benefit of the pe
sonl inju
y potection is th
t itill cove
nyone in the vehicles, medic
l bills ot
etment. Um, so it does help
ith it.nd then it
lso does not mtte
ho
s pl
cedt f
ult. So even me, if I sd
ived
iving my on vehicle, I
s f
cingf
ult. I could still if I s injued, I could still utilize those benefits th
t I hve unde
neth P
P. Those Iould s
y e the bsic th
t's youb
sic tes.nd then PIP is
big one tht
lot of peoplet
ll.nd then obviously othe
thn th
t, it'sll the othe
ttitudes,
hetheyou
nt
entl c
cove
ge,
odside
ssistnce, you kno
, you cn get into
ddinglot of diffe
ent thingsnd
ht I c
ll lc
te, but th
t's the min thing is just m
king sue you h
ve tht cove
ge fo
the you kno, bodily inju
ynd fo
youp
opety d
mge.
shleyod
iguez : 4:55 Yeh, I think
lot of people misundest
ndh
t pip is, though.hy they
oulde
lly need it? Tiffny Little : 5:03
ell,nd th
t'shy I s
id, tht’s the biggest diffe
ence, becuse if I’m in
cccident,
nd it's my fult, I c
n't fll unde
neth my bodily inju
y on myegul
fi
st pty insunce becuse it’s my f
ult. You kno, th
t's my insunce No, if the othe
vehicle tht I
s in the
ccidentith,
nd I peson
lly thought they cn obviously follo
my insunce undene
th my 5100 pln th
t I hve, in o
deto m
ke sue thei
injuies
nd theic
s t
ken ce ofnd
ll tht the benefit of PIP is even if I’m
t fult,
t lest I still h
ve some money thee th
t cn help go to
ds my medicl bills. No
those policies diffe. Some people might h
ve 20 $500 in fibs, some might hve 10,000. Th
tll depends on the pe
sonnd
ht type of p
otection they nt todd to thei
insunceccount.
shleyod
iguez : 5:52 Yeh, I me
n, it'se
lly impot
nt if you need tht ext
money to cove
youmedic
l bills foth
t unexpectedccident th
t I men, let’s be
el Nobody
nts to be in f
ll ofn
ccident. But sometimes things hppen.
Tiff
ny Little : 6:05 Hee, sometimes things definitely do h
ppen. So,hen it comes to insu
nce is t
ying to pep
e fo
the unknon is the best
y I c
n descibe you bec
use you don't kno,
e don't kno,
e cn’t pl
n hothe
ccidents gonnh
ppen, you cn’t pl
nho’s gonn
hit you. So you'e just p
epings
ells you c
nith some of the potenti
l issues odiffe
ent things tht m
y comebout
ith if you hd somebody th
t sn't insued o
something like tht. You just
nt to be
s pep
ed
s you cn, given the situ
tion tht it h
sn't even hppened yet.
shleyod
iguez : 6:36 Soh
t should I look fohen buying c insunce? Tiffny Little : 6:41
In my pe
sonl opinion, I think
ht I no
mlly look fo
is, oky,
ell hooften do you d
ive the c, you kno, bec
use tht h
sdiffe
ent tings f
s does it put yout mo
eisk fo
n
utoccident o
less so obviously, if I hve someone
ho dives thei
c only one dy
eek, she only d
ives too much Ech
y, so he
eekly d
iving is foumiles, then I h
venothe
peson
ho they commute evey d
y bck
nd foth 30 miles e
ch y. So tht’s 60 miles
dy, times five. So th
t's 300. So,hen you look
t those numbes,
ho hs
higheisk of getting inton
ccident,shley
odiguez : 7:20
obviously someone th
t's on theo
dll the time
Tiff
ny Little : 7:23 tht’s on the
od mo
e,ight? So th
t'shy it’s th
t's the type of thing so if it'sc
th
t you dive, o
sy you only d
ive it on Sundys,
lot of people don't knoth
t if you let the insunce kno, ok
y, this isg
ge kit c tht I only d
ive this me miles eek. I men, you c
n pob
bly getlo
ete fo
tht c
bec
use it's notc
th
t you'e d
iving evey d
y. It's not youeve
ydy c
. So it’s ve
y impot
nt to communicte
ithhoeve
youinsu
nce
gent, oif you’
e using the onlinepp, m
ke sue you put
ll tht info
mtion in the
e.nothe
thing to thinkbout is
ht is the v
lue of youc
. You kno
, if you'e buying b
nd ne
cs, it e $100,000 I'll mke sense fo
you to getn insu
nce policy th
t's50 150. Th
t 50,000 in pope
ty dm
ge is not going to coveyou
hunded thous
nd doll c doesn'te
lly mke sense. You kno
? So depends on tht.
nd thenlso
hetheo
not you'e m
king lons, bec
use I knomost lende
s tht I kno
tht if you
c's undep
yments, oyou kno
you'e p
yinglo
n off on youc
, then they
equie you to m
intin full cove
ge, so th
t in the event tht th
t hppens,
nd you get inn
ccident, they nt to mke su
e tht th
t c, they'e going to be
ble to get the c fixed oget
eimbused o
you kno,
hteve
might hppen
s the endesult, but they just
nt to m
ke sue th
t they'e not going to be just out of
ok
hen you get intoc
ccident,nd you don’t h
veny insu
nce on the c
ht they go on.
shleyod
iguez : 8:44 Yeh, I me
n, I guess even if you hd g
p insunce, you could put tht into the
end on kind of
ht you
ould need. Tiffny Little : 8:51
Yes, definitely.
nd tht c
n kind of help to fill it in. Becuse
ell kno
ith vehicles the minute
e dive them off the lot they dep
ecite. So th
t'snothe
thing tht’s like hey, H
ving get mke su
eh
teveth
t insunce doesn't cove, then I h
ve my get to pick it up.nd especi
lly in instnces
hee you might h
ve somebody tht they’
e not only insued, they’
e just undeinsu
ed. So sy fo
instnce, they only h
d 236 30.nd you
c's totled in you
c cost you 65,000.ell, if you h
ve the cet
in undeinsu
ed is cet
in othethings you c
ndd to you
policies tht m
y end up helping you in the end tohe
e you don't end up hving to e
tll th
t money in thee. Like
e sid, the g
p insunce tht
ouldn't be thee to fill in th
t gp.
shleyod
iguez : 9:32 So homuch insu
nce cove
ge Do you think I
elly need?
Tiff
ny Little : 9:37ell,
s I stted e
lie
, bsed on
ht my mom
lys tught me, my fi
stesponse is no
mount of insunce is evetoo much. But I
mlso one of those people th
t hve multiple insu
nce policies
nd supplementl insu
nce just bec
use tht
s
lys dilled into me th
t you py on in ou
cse you needed l
te. But in this inst
nce,e c
n nevep
edictn
ccident oht type of c
Someone else might h
ve. So I think it's best tol
ys pl
n fothe
ost, o
opete undene
th thessumption th
t mny d
ives don’t m
intin insu
nce.
nd tht’s the
elity of it. So
lthough you my h
ve elly good insu
nce policy, depending on the situ
tion, oht h
ppens, you need to mke su
e you pep
e you
self foth
t peson
ho my not h
veny insu
nce, o
mybe they just don’t h
ve enough covege to covehteve
needs om
ybe themount of you
pope
ty dm
ge ohteve
. So hel
ys shut up fo
me, Iould s
yl
ys shut up p
epe foht is even though th
t's kind of cliche, becuse you c
n't pep
e fo
eveyone if, but if you look
t some fcto
snd s
y, Oky, I kno
I dove my c
this much. I kno
my c'so
th this, mybe I
nt to get the 5100 But ok
y, I hve my c
. I d
ive it evey d
ylso
ith my thee o
foukids. So
nd even becuse I h
ve moe occup
nts, I might sy, Oh,
ell, mybe I
nt to do the highe
tiehich is the 100 300 is just you hve to look
t youo
n life in this Some ofh
t you'e going to be comfo
tble
ith, obviously,s f
s pyments, bec
use insunce costs us money. So tht’s the othe
fcto
, butlso shopping
ound shop shop shop
ound, you’d be su
pised ho
insunce chnges just f
om one digit in youzip code to
hee you live to diffe
entdd
esses.nd the
e's so mny f
ctos. So I
ould sy
lys do youesechnd shop
ound befo
e you just goith the fi
st cot th
t you get fom the fi
st insunce compny.
shleyod
iguez : 11:25nd it’s just one of those things like pl
nning foth
t unexpected like Sed
lys sys, No one puts thei
pnts on in the mo
ning, othei
skits
nd plns get
nccident but then you kno
, it hppens
nde don’t kno
h
t tht pe
son's doing oif it’s
hit oun ohteve
.e
lys nt to potect ou
selves. Tiffny Little : 11:43
Su
e itl
ys
nt to p
otect youself.
nd like I sid, it’s not even
ht you m
ke, pese
e hve to p
otect ouselves bec
usee don’t kno
h
t otheinsu
nce th
t the othepe
son tht you get into
ccident my o
my not m
ke 10 so tht’s the biggest thing is p
eping youself bec
uselthough you
illish th
t eveybody
ould do theight thing
nd not dive if they didn’t h
ve insunce. Being in the jobe
e tod
y in the industy
e e tody pe
sonl inju
y.e kno
tht’s just not f
ctul.
shleyod
iguez : 12:11 Yes,e see some s
d things. Tiffny Little : 12:13
Uh huh.
shleyod
iguez : 12:14 Sohen should I d
op full covegend only m
intin li
bility? Tiffny Little : 12:20
I
ould sy neve
, neved
full covege. Becuse the minute you go do
nli
bility, sy fo
instnce, you
c gets stolen, youinsu
nce doesn’t cove
tht you
c gets flooded. Youinsu
nce doesn’t cove
tht it cove
s libility, me
ning if you'e li
ble if you hit somebody else, oyou
ee the
esponsible pty, inn
ccident, you hve enough cove
ge just to m
ke sue you get you’
e going to tke c
e of the othe
pt. It does not coveny of those othethings th
t could potentilly h
ppen to youvehicle. In
lso,s
e discussed elie, look ho
mny people don’t m
intin insu
nce
tll. So if you get into
nccident
nd somebody hits yound you only h
ve libility, you’
e still not Going to beble to do
nything undene
th youo
n insunce policy becuse you only m
intin li
bility. NoI do kno
this some people do mint
in libility cove
ge bec
use it is the chepest
nd most economicl. So if th
t's the only thing tht you c
nffo
d, I just highly suggestdding uninsu
ed motoist
sell. So the le
st you hve some cove
ge bec
use tht is
n option. You cn h
ve libility but
dd the undeinsu
ed motoist solo le
se. If somebody gives you this uninsued
t lest you
ill hve some cove
ge.
shleyod
iguez : 13:30 Oh yeh, th
t'sgood ide
. But yeh,
e el
ys t
ying to potect ou
selvesnd you h
ve to find tht b
lnce fo
youself bet
een youp
ymentsnd
ht you’
e doing. But it's definitely shop ound I men, the
e's so mny diffe
ent compnies out the
e so you cn kind of b
g
in shop but get the most covege tht you c
n. Tiffny Little : 13:52
Yes, m
'm. I
gee th
t 100% you don't nt to py mo
e thn
ht you’
e comfot
bleith. But
t the sme time, it goes b
ck tonything else
hen you sy you get
ht you get Fo
, tht’s the t
uth, they'll just mke su
e you shop oundnd get the best de
l foht you’
e pying fo
. But you'e still going to get
hteve
you py fo
hen it comes to the
mount of covege tht you’
e seeking.shley
odiguez : 14:11
light, Tiff
ny, do you think thee’s
nything else tht
e need to sheith the
udiencebout insu
nce tips?
Tiff
ny Little : 14:18 Nope, I think tht’s it. Like I s
id, Just do youesech. Don'tllo
ny g
ps in youinsu
nce bec
use tht
ill cuse you
tes to go up. Obviously, if you'e
bd d
ive, but ove
the net if you'e the typic
l peson
hobides by the l
, you d
ive you hven’t h
dny
ccidents. Fothe most p
t, you should be
ble to getve
y compble
te
nd like I sid, I
ouldt le
stt
minimum check thee o
foudiffe
ent insunce compnies befo
e Ie
lly goith one
nd thenlso double check
ht
ll they'e offe
ing youithin not just the cove
ge but
e you getting
entl c
cove
ge,
e you getting to
covege, likelot of them
illdd like little ext
s in
nd tht m
y behy the p
ice goes upnd you h
ve ight to sy no, I don’t
nt it like m
ybe you don't nt to mybe you don’t
nt
odside
ssistnce, th
t'sll you
option tohe
e you cn t
ke some of those thingsy th
t'll mybe help to get to
moe
eson
ble numbeth
t you'e comfo
tble
iths f
s youmonthly p
emium.shley
odiguez : 15:11
So if the
e s one thing tht
s ext
besides the
egul, like, let's just sy
e hd the tie
one, not the libility, but the tie
one policy,nd
e hd to
dd on those exth
t is the numbeone th
te should
dd? Tiffny Little : 15:26
I
ould definitely sy PIP, I
ill definitely sy the pe
sonl inju
y potection bec
use it's justn ext
l
ye. Th
t's something tht they c
n py di
ectly to the insunce compny. If you
ent to the hospitl
ndnd no
you nt to doctos, they c
n eithep
y it like tht o
if you hve
ntto
ney, thenll th
t is nom
lly sent oveto you
ep
esenttive
nd youill get th
t pyment, you kno
ith
hteve
settlement you my be
eceiving, but Iould definitely s
y it nevehu
ts to hve ext
pe
sonl inju
y potection o
ny type of bodily inju
y onything tht’s going to go to
ds if you get hut. Ho
m I going to be
ble to py these medic
l bills e hving to
oybout p
ying medicl bills bec
use tht’s the l
st thinge
nt
nybodyo
ied
bout tht you’
e deling
ithn
ccident o loss, something like tht?
shleyod
iguez : 16:10 Definitely Ig
ee.ell, th
nk youll fo
listening to Be
king Don the L
. Till next time. Cont
ct ust 281-783-3934