News & opinion Episode #8: How to find the right car insurance?

Episode #8: How to find the right car insurance?

Fo

ou

episode of the B

e

king Do

n The L Podc

st

e'

e joined by Tiff

ny Little, ou

int

ke

nd

efe

l te

m m

n

geho de

ls

ith the insunce on

d

ily b

sis. She’s joined by B

e

king Do

n The L Podc

st host,

shley

od

iguez. Du

ing tod

y’s episode,

e’ll be

dd

essing

ll topics

el

ted to <

h

ef="https:

/c

inju

yvictims.com

ho

-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

e

bout  n style=”font-

eight: 400;">Ste

t J. Guss, Inju

y

ccident L

ye

s<

sp

n> by visiting us online

t<

h

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

st

ith Ste

t J Guss

nd

shley

od

iguez!

Cont

ct Us: 281-783-3934 o

  <

h

ef=”m

ilto:B

e

kingDo

nTheL

@gm

il.com">B

e

kingDo

nTheL

@gm

il.com<> If you nt to subsc

ibe to ou

podc

sts on you

f

vo

ite podc

sts pl

ye

<

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ef=”https://b

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kingdo

nthel.buzzsp

out.com”> click he

e<> foll the links to e

ch one!

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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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