Latest / Aired Out / How well are YOU insured? Bobby Bartlett of State Farm has a LOT to say! Life, Auto, Home - do you know your coverage?

Transcript

How well are YOU insured? Bobby Bartlett of State Farm has a LOT to say! Life, Auto, Home - do you know your coverage? · Aired Out

• 0:27
  Speaker 1: The US do do do.
• 1:45
  Speaker 2: All right. Tuesday morning, the eleventh, we've got six degrees
• 1:50
  Speaker 2: here in central Vermond. Uh. The snow banks are high
• 1:54
  Speaker 2: yes on the edge of the well North Main Street here,
• 1:58
  Speaker 2: but they are going to be and some snow removal
• 2:02
  Speaker 2: sometime this week, so I'm told from the city. We
• 2:06
  Speaker 2: were talking about this yesterday on aired out. But again,
• 2:10
  Speaker 2: just another reminder. It looks like it's gonna be a
• 2:11
  Speaker 2: partly cloudy day today. We're gonna get up around maybe
• 2:15
  Speaker 2: thirty which is a heat wave, so maybe some snow
• 2:19
  Speaker 2: showers too. I know there's some. There was a little
• 2:23
  Speaker 2: something I had posted I think last night, maybe it
• 2:26
  Speaker 2: was this morning. I can't remember about the potential for
• 2:30
  Speaker 2: some snow squalls today. So we're watching that. We're paying attention,
• 2:35
  Speaker 2: especially to Channel five WPTC. They do a great job.
• 2:41
  Speaker 2: They're watching things very careful. But tonight cloudy down around
• 2:45
  Speaker 2: three and then Wednesday tomorrow partly cloudy skies and around
• 2:50
  Speaker 2: twenty seven degrees. Watching carefully the potential for some snow
• 2:59
  Speaker 2: this coming week, both Saturday and Sunday, with Sunday being
• 3:05
  Speaker 2: a little bit more than Saturday. But nothing that's any
• 3:09
  Speaker 2: kind of monster storm. Here, I think, what is it
• 3:12
  Speaker 2: one to three on Saturday and then three to five
• 3:16
  Speaker 2: I think on Sunday. So just keep that in mind
• 3:19
  Speaker 2: if you have some travel plans, if you're going to
• 3:21
  Speaker 2: be out and about this weekend. I'm going to see
• 3:26
  Speaker 2: on Tuesday if we can reach Deb from the world
• 3:30
  Speaker 2: and find out what's going on over there. Very busy team.
• 3:34
  Speaker 2: I spoke with Gary Hasse yesterday, which is always nice.
• 3:39
  Speaker 2: Good morning, is this the world?
• 3:41
  Speaker 3: Good morning Dadi?
• 3:42
  Speaker 2: This debor Hi Deb? How are you today, Hun? How
• 3:45
  Speaker 2: are you feeling right?
• 3:48
  Speaker 3: Really good?
• 3:48
  Speaker 2: Tell us about what's in the world today. I can't
• 3:51
  Speaker 2: wait to get my copy from Chris Well.
• 3:55
  Speaker 3: First of all, we want to wish everyone a happy
• 3:57
  Speaker 3: Valentine's Day and let them know that we have twenty
• 4:00
  Speaker 3: one local businesses with last minute gift ideas for their Valentine.
• 4:05
  Speaker 3: Also this week we have a special Senior Living section
• 4:08
  Speaker 3: for the fifty plus lifestyle, plus the Adopt a Pet
• 4:12
  Speaker 3: page with eighteen pets looking for their forever home. Upcoming
• 4:17
  Speaker 3: event at the Bury Opera House on February twenty first
• 4:21
  Speaker 3: is Natalie McMasters and donald' lahy. On Saturday, February twenty
• 4:26
  Speaker 3: second is the skate Park fundraiser, poker run and Pulled
• 4:30
  Speaker 3: Pork Dinner, and February sixteenth through the twenty third is
• 4:35
  Speaker 3: Restaurant Week in downtown Mount Pilier. They have lots of
• 4:38
  Speaker 3: special deals, prefix menus and events.
• 4:42
  Speaker 2: I can't wait to see the world. And by the way,
• 4:45
  Speaker 2: Linda Mercy from the Travis Mercy Memorial Skate Park fundraiser
• 4:49
  Speaker 2: and poker Run, she's going to be in here real soon.
• 4:52
  Speaker 2: I love that, lady, Randy Henry, the rest of the team,
• 4:56
  Speaker 2: they do such a great meal every single year. I've
• 5:00
  Speaker 2: lost track of how many years is that they've been doing.
• 5:02
  Speaker 3: This, well, I don't. I think she totally was like
• 5:06
  Speaker 3: the twenty fourth or something like that.
• 5:08
  Speaker 2: Yeah, yeah, it's it's way up the long time. It's
• 5:11
  Speaker 2: it's well over twenty years and we love promoting that event.
• 5:17
  Speaker 2: So it's it's been become kind of a staple in
• 5:20
  Speaker 2: our community for a very long time. Tip always, as
• 5:23
  Speaker 2: I said, always looking forward to grabbing a fresh copy
• 5:26
  Speaker 2: of the World's hitting the hands and the eyes of
• 5:31
  Speaker 2: more than twenty thousand Vermonters every every week. I don't
• 5:34
  Speaker 2: know how you guys do it, but you're doing it.
• 5:37
  Speaker 3: We love it. We do it every week.
• 5:40
  Speaker 2: Say hi to Gary for me this morning. I hope
• 5:42
  Speaker 2: you guys are staying warm, all right, Thank you, Jati,
• 5:45
  Speaker 2: thank you so much. Deborah. This morning in the news, Well,
• 5:49
  Speaker 2: there's a couple of things. There's nothing that's that's really
• 5:52
  Speaker 2: you know, monstrous here, kind of like the weather. I mean,
• 5:56
  Speaker 2: it is what it is. Let's see the Higher Ground
• 6:01
  Speaker 2: is trying to get to Burlington. They're looking at some
• 6:04
  Speaker 2: property on Pine Street again, kind of re examining a
• 6:09
  Speaker 2: potential move. We've got the story about Ed Cram, this
• 6:14
  Speaker 2: seventy year old guy who's in a lot of trouble.
• 6:17
  Speaker 2: Let's see day twenty five hundred coming up this weekend.
• 6:20
  Speaker 2: Of course, some guy trying to get past a security
• 6:24
  Speaker 2: checkpoint with not one pistol, but two says he forgot
• 6:31
  Speaker 2: that he had them on him. Oh yeah, I'm I'm
• 6:36
  Speaker 2: so sorry. Oh the other one too, Yeah, I'm sorry.
• 6:40
  Speaker 2: I didn't realize I had two on me. Amazing. We
• 6:45
  Speaker 2: have twenty six mixed income housing units coming to Waterbury
• 6:50
  Speaker 2: at the old town Hall building. Should be completed by
• 6:53
  Speaker 2: next year. That's in the news today. We have the
• 6:57
  Speaker 2: U thirty two girls heading on up to lam Oyle
• 7:02
  Speaker 2: tonight for girls Hoop Action, which is going to be
• 7:06
  Speaker 2: amazing always is. It was so nice to have Nashanda,
• 7:10
  Speaker 2: head coach of the U thirty two girls in here yesterday. Weatherwise,
• 7:16
  Speaker 2: Baltimore and d C supposed to be picking up at
• 7:20
  Speaker 2: least six inches of snow out of this system that's
• 7:25
  Speaker 2: coming across I think from somewhere out in the Midwest.
• 7:30
  Speaker 2: Is it Missouri? I think is where this thing is starting.
• 7:34
  Speaker 2: I don't know, but it's it's gonna be a pretty good,
• 7:37
  Speaker 2: pretty good snowfall, seeing six to nine inches for the
• 7:43
  Speaker 2: DC metropolitan area and Baltimore. The further north you go, though,
• 7:48
  Speaker 2: you get into Philadelphia and it looks like the totals
• 7:50
  Speaker 2: are going to be a little bit down from that,
• 7:52
  Speaker 2: so kind of an isolated, narrow storm, but still going
• 7:56
  Speaker 2: to bring that region some pretty good snowfall. Cadets and
• 8:01
  Speaker 2: Elmira going at it this weekend. I think this is
• 8:05
  Speaker 2: the final set of home games for the season for
• 8:11
  Speaker 2: the Cadets, So el Myra's coming to town and that'll
• 8:16
  Speaker 2: be this what Friday and Saturday. I think Bobby Bartlett
• 8:21
  Speaker 2: is sitting right across from me, Bobby, good morning, how
• 8:23
  Speaker 2: are you buy?
• 8:24
  Speaker 4: Good morning? JD. How you doing, man?
• 8:26
  Speaker 2: The hair is looking great. You knew what was going
• 8:28
  Speaker 2: to bring up the hair this morning? Come on, you
• 8:30
  Speaker 2: knew that, right, yes I did. How many comments do
• 8:33
  Speaker 2: you get about the hair?
• 8:34
  Speaker 4: You know what? Not many, but more since you brought
• 8:37
  Speaker 4: it up.
• 8:38
  Speaker 2: Really, did you hear Rex and.
• 8:41
  Speaker 4: I talking about you?
• 8:42
  Speaker 1: Oh?
• 8:42
  Speaker 2: Yes, didn't catch that. I'm absolutely honored to have you
• 8:48
  Speaker 2: back as a presenting sponsor. State Farm is amazing. What
• 8:53
  Speaker 2: can I say? You guys have my policy for auto
• 8:57
  Speaker 2: what I've forgotten auto home and several vehicles on the
• 9:01
  Speaker 2: auto policy, motorcycle too.
• 9:03
  Speaker 4: Absolutely, yeah, yeah, that's what happens when you It's kind
• 9:07
  Speaker 4: of like a tattoo, right, you get one or two,
• 9:09
  Speaker 4: and then obviously we make sure we don't miss anything,
• 9:11
  Speaker 4: make sure that you don't have one policy over here
• 9:14
  Speaker 4: you're paying more on that. It's a separate bill coming in.
• 9:17
  Speaker 4: So yes, we just want to make sure that you're
• 9:18
  Speaker 4: all you're protected and everything looks good on our side.
• 9:21
  Speaker 2: One of the one of the biggest things that I
• 9:23
  Speaker 2: love about you guys, and I know you've heard this before,
• 9:27
  Speaker 2: and we're gonna have some fun this morning talking about insurance,
• 9:30
  Speaker 2: Believe it or not, I told you last week that
• 9:32
  Speaker 2: we would is that you guys are you're local. There's
• 9:37
  Speaker 2: it's like you're right there on main Street. Yeah, you're
• 9:42
  Speaker 2: right there. There's a face I can call you like
• 9:45
  Speaker 2: I did not long ago. Bobby h got a new car.
• 9:51
  Speaker 2: I need insurance on it immediately.
• 9:53
  Speaker 4: Right, And yeah, the good news everybody knows actually what
• 9:56
  Speaker 4: we are. Everybody drives by South main Street. How many
• 9:59
  Speaker 4: times a day? I think there's like ten thousand cars
• 10:01
  Speaker 4: that go by there each day. So the good news
• 10:04
  Speaker 4: everybody knows where we are. And we really do pride
• 10:07
  Speaker 4: ourselves as being the local agency that's accessible. Right, and
• 10:11
  Speaker 4: that's the biggest thing that I hear with anybody coming
• 10:14
  Speaker 4: to my office calling in and just saying, hey, I
• 10:17
  Speaker 4: can't get a hold of my insurance company. I can't
• 10:19
  Speaker 4: get a hold of my agent. Can you help, And
• 10:22
  Speaker 4: of course we can. You walk around the door, you
• 10:24
  Speaker 4: can message us on Facebook, you can text our local number, yeah,
• 10:28
  Speaker 4: and we can help you that way.
• 10:30
  Speaker 2: Text the four seven nine.
• 10:31
  Speaker 4: You can what you can text it. We do a
• 10:34
  Speaker 4: lot of communication via text when it comes to like
• 10:37
  Speaker 4: bill paid reminders, just normal questions about mileage and that
• 10:40
  Speaker 4: type of thing.
• 10:42
  Speaker 2: So you can be at work and you can shoot
• 10:46
  Speaker 2: over a text and say, hey, here's my vin what
• 10:49
  Speaker 2: could you do for me?
• 10:50
  Speaker 4: Absolutely, and there's some things we'll have to go over
• 10:51
  Speaker 4: and maybe call you to get your information for sure
• 10:54
  Speaker 4: that you can't send via text. But ye, a lot
• 10:56
  Speaker 4: of general information and general questions can be you know,
• 11:00
  Speaker 4: via text.
• 11:00
  Speaker 2: And you're you're you're literally, as we've been saying, putting
• 11:03
  Speaker 2: your putting your money where your mouth is. Right, So
• 11:07
  Speaker 2: how's that work?
• 11:08
  Speaker 4: Yeah? Who else is doing that?
• 11:09
  Speaker 2: Right?
• 11:09
  Speaker 5: No?
• 11:10
  Speaker 2: No, right?
• 11:11
  Speaker 4: So basically we're doing any any new customer that reaches
• 11:15
  Speaker 4: out to us at this point for the month of
• 11:18
  Speaker 4: February the Love month if you want to call it that,
• 11:21
  Speaker 4: right and and get and it gets a quote from us,
• 11:24
  Speaker 4: a new quote. We're going to send you twenty bucks.
• 11:27
  Speaker 4: Twenty bucks just to have us take a look and
• 11:29
  Speaker 4: see what we can do to actually help you.
• 11:31
  Speaker 2: No pressure, no pressure.
• 11:33
  Speaker 4: And you're not going to get that type of like
• 11:34
  Speaker 4: sales the environment from my office. Yeah, we we don't
• 11:37
  Speaker 4: want you to be worried about dealing with us. We
• 11:41
  Speaker 4: don't want you to be hiding in the grocery store
• 11:43
  Speaker 4: when we come around the corner. Be like Oh man,
• 11:45
  Speaker 4: there's Bob. Let's not talk to him. Let's hide he's
• 11:47
  Speaker 4: trying to upsell me. You know, that's not what we like.
• 11:50
  Speaker 4: We want to be able to be there and be
• 11:52
  Speaker 4: like your professional and be a person that like State
• 11:54
  Speaker 4: Farm says, is your good neighbor.
• 11:56
  Speaker 2: Yeah, and you're not going to be calling people every
• 12:01
  Speaker 2: five minutes the next day. Have you thought about it?
• 12:04
  Speaker 2: Have you thought about it? What's going on? I mean,
• 12:07
  Speaker 2: that's we don't want. Nobody wants that.
• 12:09
  Speaker 4: We have a rule in my office that three non
• 12:13
  Speaker 4: answers is a no right. So no means no right.
• 12:18
  Speaker 4: That's the biggest thing we can teach, you know, everyone
• 12:21
  Speaker 4: in society and our kids, and you know, it's one
• 12:23
  Speaker 4: thing I really focus on with my kids. And uh,
• 12:27
  Speaker 4: and we we teach that at the office. Is you know,
• 12:30
  Speaker 4: we're not going to beat your door down for three weeks. Yeah,
• 12:33
  Speaker 4: nobody likes that, especially here in Vermont. You know, we
• 12:37
  Speaker 4: understand that it just might not be the right fit right,
• 12:41
  Speaker 4: And sometimes folks just don't know how to communicate correctly
• 12:44
  Speaker 4: back to us. And we get that, so we close
• 12:47
  Speaker 4: out the file when we let them know. Hey, you know,
• 12:49
  Speaker 4: are you just closing that file out.
• 12:51
  Speaker 2: Yeah, and we're here. You know where we are if
• 12:54
  Speaker 2: you want to talk about this this more, but you
• 12:57
  Speaker 2: don't pester. And I love that. Nicole, Lisa, Malaya, Malilia yep,
• 13:03
  Speaker 2: and of course Jessica. That's the team right there. When
• 13:07
  Speaker 2: you walk in, you're going to be greeted right away.
• 13:09
  Speaker 2: Usually it's it's Lisa right there.
• 13:11
  Speaker 4: Yeah. Yeah, So basically when you walk in the front door,
• 13:13
  Speaker 4: you're going to see service team, right because I have
• 13:14
  Speaker 4: two teams. I have service team, I have sales team,
• 13:16
  Speaker 4: which is great because if you need service and you
• 13:19
  Speaker 4: can you call the number and you're going to get
• 13:22
  Speaker 4: someone right right off the bat. If you need a
• 13:24
  Speaker 4: quote and you call the number, you're going to get
• 13:27
  Speaker 4: a quote same day, like, so it really separates that,
• 13:31
  Speaker 4: you know, where everybody can do everything. Yeah, but we
• 13:33
  Speaker 4: have like very special roles over at the office where
• 13:36
  Speaker 4: that someone's not waiting a day, three days a week,
• 13:40
  Speaker 4: right for a vehicle change, for answers on coverage or
• 13:43
  Speaker 4: a question about a bill.
• 13:44
  Speaker 2: Okay, I have so many questions for you. I have
• 13:47
  Speaker 2: questions about potholes and and fires and floods and stuff.
• 13:50
  Speaker 2: But should we call over right now?
• 13:53
  Speaker 4: Yeah? Yeah, good, call.
• 13:54
  Speaker 2: Give me a call right now.
• 13:55
  Speaker 4: Give them a call right now to see if they answer.
• 13:57
  Speaker 4: Let's see, let's test them all right.
• 13:58
  Speaker 2: Four seven nine thirty three fifty three. We're calling over
• 14:02
  Speaker 2: to State Farm right now, right here.
• 14:04
  Speaker 6: You're calling Bob Bartlett's State Farm in Barry, Vermont. If
• 14:09
  Speaker 6: you are new to our agency and would like to quote,
• 14:12
  Speaker 6: press one. If you are a curtent customer, need to
• 14:17
  Speaker 6: report a claim or have other questions about your policies.
• 14:21
  Speaker 6: Press two. If you would like to make a page.
• 14:26
  Speaker 3: Wait, well, I transfer your call.
• 14:30
  Speaker 2: I love doing stuff like this. This is great.
• 14:35
  Speaker 5: State Farm and Barry.
• 14:36
  Speaker 2: This is Lisa, uh, Lisa uh, this is this is
• 14:41
  Speaker 2: built Bill Jones Uh calling here from East Challis. I'm
• 14:46
  Speaker 2: just trying to figure out where the heck you guys are.
• 14:50
  Speaker 5: We are actually located right across from the New Abashan
• 14:54
  Speaker 5: on Main Street in Barry. Do you know where that is?
• 14:58
  Speaker 2: Actually? I don't?
• 15:01
  Speaker 5: Okay, Well, let's see I'm not. I will ride on
• 15:04
  Speaker 5: Main Street. Ninety two South Main Street is the is
• 15:07
  Speaker 5: the address? Let's see what else is close to us?
• 15:13
  Speaker 5: The Renolds House is right next door?
• 15:15
  Speaker 2: Oh yeah, no, where that? Yeah?
• 15:18
  Speaker 5: Where the is?
• 15:19
  Speaker 2: I do? Yeah? Oh, you guys are that little brown
• 15:21
  Speaker 2: building that's kind of set back from the road a
• 15:24
  Speaker 2: little bit of the big parking lot there.
• 15:26
  Speaker 5: That's it. Yeah.
• 15:27
  Speaker 2: So if I walk in there today, Lisa, uh, with
• 15:33
  Speaker 2: with my auto policy or my homeowner's policy, can you guys,
• 15:38
  Speaker 2: can I just drop that off and you guys can
• 15:40
  Speaker 2: look it over and just get back to me and
• 15:42
  Speaker 2: see if there's you know, a better, better deal that you.
• 15:44
  Speaker 5: Can Okay, yeah, absolutely all right.
• 15:47
  Speaker 2: It would time be close.
• 15:50
  Speaker 5: We close at five o'clock, all right, Monday, three Thursday,
• 15:53
  Speaker 5: we close it five. On Fridays we close at four.
• 15:55
  Speaker 2: So if I come in there four fifty five and
• 15:57
  Speaker 2: throw some papers at you and say I gotta go,
• 16:00
  Speaker 2: uh you can? You can handle that?
• 16:03
  Speaker 5: Absolutely?
• 16:04
  Speaker 2: All right? Is Bobby? There is Bobby there today, Bobby Bartlett,
• 16:08
  Speaker 2: the man with the hairs, but he.
• 16:11
  Speaker 5: Will be here later this afternoon.
• 16:12
  Speaker 2: All right, Thank you Lisa very much.
• 16:16
  Speaker 5: Absolutely, you're very welcome. We look forward to seeing you.
• 16:18
  Speaker 2: All right. Wow, it's good Bobby.
• 16:21
  Speaker 4: And she didn't even know that was coming.
• 16:24
  Speaker 2: When I say, Bill Jones, Hell, why could I've come
• 16:27
  Speaker 2: up with it?
• 16:29
  Speaker 4: Wow?
• 16:31
  Speaker 2: But that's what it is right there, right, And I
• 16:33
  Speaker 2: did that to you. Guys, I brought you a bunch
• 16:36
  Speaker 2: of paperwork and it was like, Bob, I don't understand
• 16:39
  Speaker 2: any of this you do here. It is get in
• 16:44
  Speaker 2: touch with me when you.
• 16:45
  Speaker 4: Can, absolutely. And I wasn't really worried about that call
• 16:49
  Speaker 4: because that's what we do every day. Like I said,
• 16:51
  Speaker 4: the biggest thing that I get, and people are just
• 16:54
  Speaker 4: frustrated around here, is I can't get a hold of
• 16:57
  Speaker 4: my agent. Yeah, my agent will not let me speak
• 17:03
  Speaker 4: to them within a certain amount of time and then
• 17:05
  Speaker 4: I have to wait, and I've been waiting two days
• 17:07
  Speaker 4: to get this done. That call could have just taken
• 17:10
  Speaker 4: care of an issue for you, sure, Like you know,
• 17:13
  Speaker 4: in a situation where there's a bunch of eight hundred
• 17:15
  Speaker 4: number type insurances out there, we're the alternative. We're the
• 17:21
  Speaker 4: local option there.
• 17:22
  Speaker 2: I know that you won't say progressive, you won't say
• 17:25
  Speaker 2: geiko because you're a respectful guy. But I've had both,
• 17:31
  Speaker 2: and before I was with you, I had progressive. I
• 17:35
  Speaker 2: can't stand when there's something that I have, whether it's
• 17:39
  Speaker 2: a question or you know, sharyon it will say to me, hey,
• 17:42
  Speaker 2: you know you're over fifty years old. Now you should
• 17:47
  Speaker 2: find out if you got a discount, and I call
• 17:50
  Speaker 2: there and I'm getting bounced around for twenty minutes. And
• 17:53
  Speaker 2: then I've got somebody that's I'm having a hard time
• 17:57
  Speaker 2: understanding them. They're maybe having a hard time understand and
• 18:00
  Speaker 2: in me, I love face to face. I love a
• 18:03
  Speaker 2: local number. Yo, here's the deal. I need an answer
• 18:07
  Speaker 2: right now. That's what I love about it.
• 18:10
  Speaker 4: It's amazing. Yeah, it's really amazing. And when when you're
• 18:14
  Speaker 4: not when you're like take a step out of the
• 18:16
  Speaker 4: profession where you see people in the community and they're like, hey,
• 18:23
  Speaker 4: I'm so happy I made the switch to you.
• 18:25
  Speaker 2: Sure, you know.
• 18:26
  Speaker 4: I really love dealing with Nicole. I really loved working
• 18:29
  Speaker 4: with Tiffany. Lisa did a great job, alid and fantastic.
• 18:32
  Speaker 4: Like those are the cool things for me because I'm
• 18:34
  Speaker 4: a small business owner as well, right, Like I'm not
• 18:37
  Speaker 4: this big, you know, CEO of a company. Like we're
• 18:40
  Speaker 4: striving to protect our community.
• 18:42
  Speaker 2: How how have you how long have you been the
• 18:47
  Speaker 2: bus driver over at State Farm here in Barry.
• 18:49
  Speaker 4: So we're coming up on five years April first, so
• 18:52
  Speaker 4: JD we opened April first of twenty twenty. OK, what
• 18:56
  Speaker 4: happened at that point?
• 18:57
  Speaker 2: COVID right, COVID.
• 18:59
  Speaker 4: Yeah, so you know, you work to open a business,
• 19:02
  Speaker 4: you have a business plan, you come in with all
• 19:05
  Speaker 4: these great plans, and then I had to throw it
• 19:08
  Speaker 4: in the garbage can, right, because COVID hit. But it
• 19:12
  Speaker 4: was a blessing in disguise. Right, as a business owner.
• 19:14
  Speaker 4: It was very worrisome, But it was a blessing because
• 19:17
  Speaker 4: guess what. People got to stay home, sure and say, hey,
• 19:20
  Speaker 4: let me look at my insurance. I have time to
• 19:23
  Speaker 4: look at this stuff. Think yes, right, and the same
• 19:26
  Speaker 4: we have the same conversation we had when you and
• 19:28
  Speaker 4: you came into the office. Let's take a look at
• 19:30
  Speaker 4: your coverages. Let's see where you have gaps. Let's see
• 19:33
  Speaker 4: where we have concerns about those gaps, sure, and how
• 19:36
  Speaker 4: we can fix that for you.
• 19:38
  Speaker 2: And and part of the reason was because I had
• 19:41
  Speaker 2: I had my auto policy with one company, I had
• 19:45
  Speaker 2: my homeowners with another company. Yeah, and I had my
• 19:48
  Speaker 2: life insurance with another company.
• 19:50
  Speaker 3: Right.
• 19:50
  Speaker 2: And I just brought you a couple of files and
• 19:53
  Speaker 2: threw them at you and left, and then you called
• 19:57
  Speaker 2: me back in like I don't know, a day or
• 19:58
  Speaker 2: so and had some rather fascinating information. Just got to
• 20:02
  Speaker 2: comment here, we've had State Farm for years, but Bobby's
• 20:05
  Speaker 2: team is who keeps us around. I wouldn't recommend any
• 20:09
  Speaker 2: other office except this one.
• 20:12
  Speaker 4: That's fantastic. Thank you so much.
• 20:16
  Speaker 2: I want to you know. And then right after COVID,
• 20:18
  Speaker 2: Bobby two huge floods, right what was what was happening
• 20:26
  Speaker 2: over at State Farmed during these floods.
• 20:27
  Speaker 4: That was a crazy time and it was a very
• 20:29
  Speaker 4: stressful time for customers. And you know, we have us
• 20:33
  Speaker 4: as an insurance agency trying to help patch that patch
• 20:36
  Speaker 4: that situation together because guess what, flood insurance is an
• 20:39
  Speaker 4: exclusion on all home renters business policies, so most people
• 20:44
  Speaker 4: did not have coverage. Actually, the stat behind flood coverage
• 20:48
  Speaker 4: is like only ten percent of homeowners actually carry it,
• 20:51
  Speaker 4: and a lot of people didn't understand their coverages and
• 20:54
  Speaker 4: were completely caught off guard during that situation. So, you know,
• 20:58
  Speaker 4: my office as a whole, we got to work submitting
• 21:02
  Speaker 4: claims knowing they were going to get denied because it's
• 21:05
  Speaker 4: an inclusion, right, just because we knew that we were
• 21:08
  Speaker 4: going to need that denial letter so that customers could
• 21:11
  Speaker 4: actually present it to FEMA to try to get some
• 21:14
  Speaker 4: help there.
• 21:15
  Speaker 2: Can you believe that everything that you did in twenty
• 21:18
  Speaker 2: twenty three, you did it again a year later to
• 21:22
  Speaker 2: the damn right day.
• 21:25
  Speaker 4: Yeah and fun, how crushing right as for this town
• 21:29
  Speaker 4: and the community and Vermont as a whole. Right, And
• 21:34
  Speaker 4: you know we had the answers then, right, like we
• 21:36
  Speaker 4: knew exactly what we need to do. We jumped on
• 21:38
  Speaker 4: and customers were upset the same way they were prior.
• 21:43
  Speaker 4: I have homeowners, right, right, I've got homeowners. What I
• 21:47
  Speaker 4: think the first thing I told you JD is, hey,
• 21:49
  Speaker 4: do you know any of your coverages? You know what's
• 21:51
  Speaker 4: covered not covered? And when's the last time you had
• 21:53
  Speaker 4: to talk with your insurance agent? Right? Because my biggest
• 21:56
  Speaker 4: fear for any of my customers is not knowing, Hey,
• 22:01
  Speaker 4: they're harder money for coverages that they have no idea
• 22:05
  Speaker 4: what it is. That's it and that's the tough part.
• 22:10
  Speaker 4: That's what we try to not happen.
• 22:12
  Speaker 2: Overpaying and underpaying. Yeah, I mean, I mean it's scary
• 22:18
  Speaker 2: for both because overpaying, I mean a lot of us
• 22:21
  Speaker 2: are just set up on auto pay. We don't you know,
• 22:24
  Speaker 2: we don't really understand all this shit, and we're just
• 22:27
  Speaker 2: like just just auto pay it and whatever I'm covered.
• 22:31
  Speaker 2: I have insurance, but we're overpaying.
• 22:33
  Speaker 4: You could be overpaying, you could be under insured, right,
• 22:36
  Speaker 4: I think, I mean forty percent of folks are in
• 22:40
  Speaker 4: the state are running the bare minimum of insurance or liability. Right.
• 22:45
  Speaker 4: What's that mean?
• 22:46
  Speaker 1: Jay?
• 22:46
  Speaker 2: Is that forty percent? Yeap?
• 22:51
  Speaker 4: And what's that? So the state minimum which says you
• 22:54
  Speaker 4: have to have liability insurance in the state of Vermont. Right,
• 22:57
  Speaker 4: So what that minimum is is twenty five thousand per
• 22:59
  Speaker 4: person for liability auto auto. Yes, so for bodily injury liability,
• 23:05
  Speaker 4: it's twenty five thousand dollars for the entire accident for
• 23:09
  Speaker 4: everybody in the vehicle. Max is fifty thousand dollars. Property damage,
• 23:15
  Speaker 4: which is if you, let's say you rear end a
• 23:17
  Speaker 4: vehicle at the stoplight here on Main Street, getting that
• 23:21
  Speaker 4: vehicle fixed that you hit is ten thousand dollars. That's
• 23:25
  Speaker 4: the state minimums. That could also be landscaping. That also
• 23:29
  Speaker 4: could be a telephone pole. That also could be if
• 23:32
  Speaker 4: you hit a building or you know, or if.
• 23:35
  Speaker 2: A drunk drunk guy leaves the road and smashes into
• 23:38
  Speaker 2: the side of your house.
• 23:39
  Speaker 4: Yes, exactly, Okay.
• 23:41
  Speaker 2: So twenty five fifty right, state minimums that's the state minimum.
• 23:45
  Speaker 2: Below that, it's illegal.
• 23:48
  Speaker 4: Well you just can't get policy. Yeah, that's that's the
• 23:51
  Speaker 4: lowest at any insurance company, right, and it scares me
• 23:53
  Speaker 4: that anybody would even run that. Okay, I'll give you
• 23:56
  Speaker 4: the example.
• 23:56
  Speaker 2: That's like nothing.
• 23:58
  Speaker 4: So if you that same vehicle that you hit at
• 23:59
  Speaker 4: the stoplight right here, you I don't know, maybe you
• 24:02
  Speaker 4: hit a patchey is it's a rough day. It wasn't
• 24:03
  Speaker 4: your fault, really, but it is you ruin somebody. Okay,
• 24:06
  Speaker 4: that person that you actually hit gets hurt and they
• 24:10
  Speaker 4: have to go seek medical attention. If they go to
• 24:13
  Speaker 4: the hospital and have lost wages, how much of that
• 24:17
  Speaker 4: do you want your insurance company to pay for it?
• 24:19
  Speaker 2: All? Right? Stop it because you're scaring me here, but
• 24:23
  Speaker 2: I keep going right, stop, but go.
• 24:26
  Speaker 4: You sound like my wife. So I mean the question
• 24:33
  Speaker 4: I asked is how much do you want your insurance
• 24:35
  Speaker 4: to pay? Right now? They answer that that I hear
• 24:37
  Speaker 4: every day is all of it. I don't want to
• 24:40
  Speaker 4: pay a dime. Yeah, if you're running the minimum at
• 24:43
  Speaker 4: twenty five thousand, that one person has to go seek
• 24:45
  Speaker 4: all that medical attention and have lost wages, they're probably
• 24:49
  Speaker 4: gonna lawyer up. Right, they're gonna come after you for
• 24:52
  Speaker 4: I don't know, one hundred and fifty thousand dollars. Right,
• 24:55
  Speaker 4: your insurance company's gonna pay twenty five of that. Where's
• 24:57
  Speaker 4: the rest of it coming? JD. Your house, your wages,
• 25:03
  Speaker 4: your house, your boat, your retirement, your camp. Yeah, it's
• 25:07
  Speaker 4: going to get found somewhere now, right, how do you
• 25:11
  Speaker 4: fix it? This is what we do every day.
• 25:15
  Speaker 2: Well, if you're going to lawyer up, then then you're
• 25:17
  Speaker 2: spending even more money. You're spending a lot of money.
• 25:20
  Speaker 4: Well, I mean at that point, my god, it's a situation.
• 25:25
  Speaker 4: It's a big situation. So how do you fix it?
• 25:28
  Speaker 4: You can increase your liability limits. So I always tell this, right,
• 25:32
  Speaker 4: cheap is cheap, but cheap isn't always better. You get
• 25:36
  Speaker 4: what you pay for sometimes, And this is one of
• 25:37
  Speaker 4: those things that we talk about is know your coverages. Right,
• 25:42
  Speaker 4: This is a self accountability thing. You know, cheap is
• 25:46
  Speaker 4: okay until you need it. Right, you can fix it
• 25:49
  Speaker 4: by increasing your liability. Right, A lot of folks would
• 25:52
  Speaker 4: recommend starting at one hundred thousand per person, three hundred
• 25:56
  Speaker 4: thousand for the entire accident, and one hundred thousand property damage.
• 26:00
  Speaker 2: Look at how quickly you can rack up those numbers
• 26:03
  Speaker 2: in a hospital in no time, even without surgery.
• 26:08
  Speaker 4: Oh god, let's flip that like that vehicle that you hit. Right,
• 26:12
  Speaker 4: If you're running ten thousand dollars in property damage liability,
• 26:16
  Speaker 4: what's the average vehicle do you think driving? How much
• 26:20
  Speaker 4: it's actually worth here in central Vermont? I don't know,
• 26:24
  Speaker 4: maybe twenty five thousand dollars?
• 26:26
  Speaker 2: Yeah?
• 26:26
  Speaker 4: Right, So let's say you total it five Yeah, so
• 26:31
  Speaker 4: your pulse is only cover in ten k that's it.
• 26:34
  Speaker 4: Where's the rest of it coming from? Same situation?
• 26:37
  Speaker 2: Wow?
• 26:38
  Speaker 4: So that's auto insurance I mean in a nutshell of liability. Right,
• 26:43
  Speaker 4: then you have your comprehensive in your collision deductibles, and
• 26:46
  Speaker 4: that's what they call full coverage.
• 26:47
  Speaker 2: Right right, brace yourself. I'm going to ask you about
• 26:49
  Speaker 2: potholes here, go ahead.
• 26:52
  Speaker 4: Comprehensive Basically your fire, theft, vandalism, flood water damage is
• 26:58
  Speaker 4: covered in auto policies. Okay, but i'll act of God
• 27:01
  Speaker 4: falls into comprehensive. Right, could be if you hit an
• 27:04
  Speaker 4: animal or deer, tree falls, tree falls, ice falls from
• 27:08
  Speaker 4: a building, right, that type of thing collisions like it
• 27:12
  Speaker 4: sounds you hit somebody it's your fault getting your vehicle fixed.
• 27:16
  Speaker 4: You hit a Walmart pole? Have you seen the Walmart
• 27:18
  Speaker 4: poles lately? I have, Oh gosh, as an insurance agent,
• 27:21
  Speaker 4: I walk up there and I just like, oh my,
• 27:24
  Speaker 4: I can't even look like this is horrible. You know. Also,
• 27:29
  Speaker 4: what also scares me each year, and I'm just gonna
• 27:31
  Speaker 4: put it out there is the run what you brung
• 27:33
  Speaker 4: at thunder Rogue. I'm like, I'm not even watching this.
• 27:35
  Speaker 4: I don't want to see any cars that I ensure.
• 27:37
  Speaker 2: Sure is State pharm a sponsor?
• 27:42
  Speaker 4: Oh no, I can't. That's one of those things. That's
• 27:44
  Speaker 4: a that's a no go.
• 27:45
  Speaker 2: Yeah, maybe the demolition derby potentially if they're you know, okay,
• 27:50
  Speaker 2: one of the firs, all right, potentially. Yeah. This is
• 27:53
  Speaker 2: this is really scary stuff.
• 27:55
  Speaker 4: Right right. So, I mean, these are the things that
• 27:58
  Speaker 4: we have conversation. This is the same exact conversation I
• 28:01
  Speaker 4: have if you're sitting across from us. Yeah, at a
• 28:03
  Speaker 4: desk at my office.
• 28:04
  Speaker 2: We've had this, literally this conversation.
• 28:06
  Speaker 4: And it's and it's your choice. I'm going to say, hey,
• 28:09
  Speaker 4: what do you want to do? Sure, because you can
• 28:11
  Speaker 4: have this price and where you're at or you can
• 28:14
  Speaker 4: pay a little bit more and make sure that you
• 28:16
  Speaker 4: feel good while you're driving down the road.
• 28:18
  Speaker 2: Sure, and we you know, some of us are willing
• 28:23
  Speaker 2: to kind of roll the dice a little bit in
• 28:25
  Speaker 2: our lives to save a buck, and some of us
• 28:29
  Speaker 2: are are not willing to. I'm not willing to self
• 28:31
  Speaker 2: insurance self insurance. But but also, uh, I also I
• 28:36
  Speaker 2: don't want to be overpaying for something I don't want
• 28:39
  Speaker 2: my Yeah, you know, we need to know, we need
• 28:45
  Speaker 2: to know and that and that depends on a lot
• 28:47
  Speaker 2: of things. I mean, you know, how nice our car is,
• 28:51
  Speaker 2: what our driving history is, what you know, are we
• 28:54
  Speaker 2: good driver? Are we reckless? How far are we driving
• 28:56
  Speaker 2: every day? What kind of roads are we driving on
• 28:59
  Speaker 2: every day? What you know? All of those things.
• 29:01
  Speaker 4: Also, the claim history in the area also comes into play.
• 29:04
  Speaker 4: So it's like so different towns I have different rates.
• 29:07
  Speaker 4: There's a lot that goes into it. And and that's
• 29:09
  Speaker 4: the that's the whole part of it. Also, consumer reports,
• 29:13
  Speaker 4: wow does does go into a lot of insurance companies
• 29:16
  Speaker 4: do pull consumer reports and that does affect your rate.
• 29:19
  Speaker 2: It's your rate rate going to be higher if your
• 29:21
  Speaker 2: car is red.
• 29:22
  Speaker 4: No what that's a misconception. That's an old time like
• 29:26
  Speaker 4: if you have a red hot red car yellow what, Yeah,
• 29:31
  Speaker 4: that's the one thing. It's all about the vehicle, the
• 29:35
  Speaker 4: cost of repair, the value of the vehicle, and your
• 29:37
  Speaker 4: driving history, and not the color. Not the color.
• 29:40
  Speaker 2: Now, I could say that that's smokey bear that's camped
• 29:46
  Speaker 2: out in the middle, might be apt to turn its
• 29:50
  Speaker 2: head a little sooner. If it was a bright red
• 29:54
  Speaker 2: or a little.
• 29:54
  Speaker 4: Yellow, I would tell I will tell you that the
• 29:59
  Speaker 4: flat next year of the car, in my in my
• 30:02
  Speaker 4: knowledge of how that works out, is typically a more
• 30:06
  Speaker 4: noticeable for anyone that's doing radar.
• 30:09
  Speaker 2: Interesting Judy's asking, do you offer glass coverage? Yesterday we
• 30:14
  Speaker 2: were riding with a friend to Burlington. Two stones hit
• 30:19
  Speaker 2: the window.
• 30:20
  Speaker 4: So glass coverage, depending on the insurance company, is either
• 30:24
  Speaker 4: an endorsement you can add, or it's part of your
• 30:27
  Speaker 4: comprehensive coverage. So with State Farm it is part of
• 30:30
  Speaker 4: your comprehensive deductible.
• 30:31
  Speaker 2: You just told me before we went on the air
• 30:34
  Speaker 2: that fourteen percent of Americans are driving around uninsured.
• 30:41
  Speaker 4: Yeah, no insurance whatsoever.
• 30:45
  Speaker 2: What that's like one in seven, one.
• 30:49
  Speaker 4: In seven, and that's in the country, right, So you
• 30:52
  Speaker 4: got to think, you know that it may be New
• 30:53
  Speaker 4: York City, LA, where might be a little bit more.
• 30:57
  Speaker 4: I would say in Vermont ten percent one out of ten.
• 31:01
  Speaker 2: So if they hit you, if there, if you're in
• 31:05
  Speaker 2: an accident, they're at fault, they hit you, you're banged up,
• 31:09
  Speaker 2: your car's banged up, your body's banged up. What happens.
• 31:13
  Speaker 4: That's uninsured motorists coverage, right, So so that is a
• 31:18
  Speaker 4: type of coverage that is the lawn Vermont that actually
• 31:20
  Speaker 4: has to be written in your policy. So it usually
• 31:23
  Speaker 4: matches your actual liability limit. So if you were at
• 31:26
  Speaker 4: one hundred thousand per person three hundred thousand for the accident,
• 31:28
  Speaker 4: that's going to be the uninsured under insured motorist coverage
• 31:31
  Speaker 4: on your own policy. So your own policy will cover you.
• 31:36
  Speaker 4: There's some limits in Vermont when it comes to the
• 31:37
  Speaker 4: property damage side of uninsured motorists, but it definitely can
• 31:42
  Speaker 4: be a lifesaver in that situation. Interesting, Okay, you know
• 31:46
  Speaker 4: you know when people hit your home and you know,
• 31:49
  Speaker 4: driving drunk and may not have coverage that helps.
• 31:52
  Speaker 2: Whether they hit the home because there was no guard
• 31:54
  Speaker 2: rail there at the time. Yeah, I know it just hand.
• 31:56
  Speaker 4: You know it but you know what, we're the worst
• 31:59
  Speaker 4: case scenario guy is right? I tell people that all
• 32:03
  Speaker 4: the time. Is I am always going to be the
• 32:06
  Speaker 4: devil's advocate and say, hey, what if this happens? What
• 32:10
  Speaker 4: if this happens? Hey JD, what if you don't wake
• 32:13
  Speaker 4: up tomorrow? Like right, we're going to talk about that too,
• 32:16
  Speaker 4: like those That's my job. That's what I get paid for,
• 32:19
  Speaker 4: is to be that person. And and a lot of
• 32:21
  Speaker 4: folks you know, will run away from it being like, oh,
• 32:23
  Speaker 4: there's Bob trying to upsell me again. Yeah, you know,
• 32:26
  Speaker 4: if I increase your policy by ten bucks a month,
• 32:29
  Speaker 4: I'm probably making a dollar. Right, So in the grand
• 32:32
  Speaker 4: scheme of things, it's not from my pocket. What of
• 32:34
  Speaker 4: why I'm asking questions showing through things, It's because I
• 32:37
  Speaker 4: want I don't want to see you on Facebook? Sure,
• 32:40
  Speaker 4: you know, want to go fundme trying to fund something?
• 32:43
  Speaker 4: Right right, Like, That's what I'm here for is to
• 32:46
  Speaker 4: protect you.
• 32:47
  Speaker 2: I stand by because I'm going to ask you about
• 32:49
  Speaker 2: fire insurance and we're going to talk about the California
• 32:53
  Speaker 2: wildfires and whatnot. But in the meantime, four seven, nine
• 32:56
  Speaker 2: thirty three fifty three is the number to call for
• 32:59
  Speaker 2: State Farm. As you know, someone's going to answer right away,
• 33:03
  Speaker 2: probably within the first three rings, and it may be Lisa,
• 33:06
  Speaker 2: like it was this morning, and they'll answer any questions
• 33:09
  Speaker 2: that you have. And if you want to get a quote,
• 33:11
  Speaker 2: even by the phone or by text or buy email.
• 33:16
  Speaker 2: In this month, just getting a quote, Bobby's going to
• 33:19
  Speaker 2: send you twenty bucks. You got some confidence that you're
• 33:24
  Speaker 2: going to be able to at the very least match
• 33:28
  Speaker 2: what someone's paying and maybe increase their coverages. And if
• 33:33
  Speaker 2: you can't beat it, you'll be the first person to
• 33:37
  Speaker 2: say that.
• 33:37
  Speaker 4: Yeah, yeah, absolutely, JD. It happens all the time. I mean,
• 33:41
  Speaker 4: I'm going to tell you, like, we're not always the
• 33:42
  Speaker 4: cheapest I don't like that word. Sorry, most affordable yes, right,
• 33:46
  Speaker 4: so we're not always the most affordable. And we'll tell
• 33:49
  Speaker 4: you that we're not going to like take you know,
• 33:51
  Speaker 4: your coveroard as a way to try to make that
• 33:52
  Speaker 4: look good. It's now what we do. You know, we'll
• 33:54
  Speaker 4: just say, hey, JD, now's not the time to make
• 33:57
  Speaker 4: the switch to State Farm. We recommend you stay where
• 33:59
  Speaker 4: you're at.
• 34:00
  Speaker 3: Oh.
• 34:00
  Speaker 2: I love that about you guys.
• 34:02
  Speaker 4: And that's the thing. And we're the only ones that
• 34:05
  Speaker 4: can quote State Farm. So obviously you call a broker,
• 34:08
  Speaker 4: they can't. They can't quote State Farm. They might have
• 34:10
  Speaker 4: eight or ten other companies, but they can't. They can't
• 34:12
  Speaker 4: give you a State Farm quote. And there's a reason
• 34:13
  Speaker 4: why State Farm is number one and auto and home
• 34:15
  Speaker 4: in the country. Right, So you know there's sometimes we
• 34:21
  Speaker 4: can save people thousands a year. Sometimes we save them
• 34:24
  Speaker 4: one hundred a year with a lot better coverage of
• 34:26
  Speaker 4: what they needed exactly.
• 34:27
  Speaker 2: So which was my case, right, that was actually my scenario.
• 34:32
  Speaker 2: My coverage went up and my cost went down because
• 34:37
  Speaker 2: we added another vehicle to it and my homeowners policy yep.
• 34:41
  Speaker 4: So when you bundle those, you get discounts, right that
• 34:43
  Speaker 4: work on both sides, right, So you get auto discount
• 34:46
  Speaker 4: on your home home discount on your auto, you get
• 34:47
  Speaker 4: multi car discount. You have a good driving discount because
• 34:50
  Speaker 4: of your driving history, you have drive safe and save
• 34:53
  Speaker 4: discount that's there as well, if you want to save
• 34:55
  Speaker 4: some money and let State Farms score you while you drive.
• 34:58
  Speaker 4: There's a lot going on there. You know, it's definitely
• 35:03
  Speaker 4: a great situation to have us go through that and
• 35:07
  Speaker 4: make sure there's also other things that we come across.
• 35:10
  Speaker 4: I recently was quoting someone in the community that is
• 35:14
  Speaker 4: that you know, it is in the trades. They drive
• 35:15
  Speaker 4: their vehicle around, you know, doing business, and and maybe
• 35:20
  Speaker 4: early thirties on his policy, he still had a good
• 35:25
  Speaker 4: student discount and a student away discount JD, which means
• 35:31
  Speaker 4: he is supposed to be at college during the semester
• 35:35
  Speaker 4: and his vehicle sits and is not driven until he
• 35:38
  Speaker 4: gets back through vacation.
• 35:40
  Speaker 2: Wow.
• 35:40
  Speaker 4: So what I recommend in those situations? Yeah, you're saving
• 35:44
  Speaker 4: some money.
• 35:45
  Speaker 2: That's great.
• 35:45
  Speaker 4: That's a fantastic discount to have for ten years. Somebody
• 35:48
  Speaker 4: should have caught that and pulled that off. Insurance is
• 35:51
  Speaker 4: one of those things where you don't want anything to
• 35:54
  Speaker 4: come between you and acclaim. Yes, right, So not saying
• 35:58
  Speaker 4: that wouldn't get paid out by that company, but you
• 36:01
  Speaker 4: don't want to have anything kind of sitting there in
• 36:03
  Speaker 4: that situation.
• 36:04
  Speaker 2: I remember saying to you, Bobby, I absolutely hate surprises.
• 36:10
  Speaker 4: Yeah, like my wife, Oh god, oh yes.
• 36:14
  Speaker 2: I speaking of wives. Charlyn and I got into an
• 36:19
  Speaker 2: interesting conversation. If someone has let's say someone has two
• 36:25
  Speaker 2: working vehicles at the house, they're both insured. One of
• 36:31
  Speaker 2: one of those vehicles craps out the third vehicle is
• 36:37
  Speaker 2: working just fine, it's in the barn, runs just fine,
• 36:41
  Speaker 2: but not no longer insured. Can another family member drive
• 36:51
  Speaker 2: that other car that works just fine in the meantime
• 36:55
  Speaker 2: while the other one is getting fixed even if it's
• 36:58
  Speaker 2: not insured. In other words, is that the car that
• 37:01
  Speaker 2: has to be insured or the driver that has to
• 37:04
  Speaker 2: be insured or both? If the driver is insured, is
• 37:10
  Speaker 2: that enough to legally and safely drive a vehicle that's
• 37:15
  Speaker 2: not insurance?
• 37:15
  Speaker 4: Right, Chelan's not going to be happy with my answer here,
• 37:17
  Speaker 4: jd Oh. So every vehicle that is on the roads
• 37:23
  Speaker 4: has to have a bare minimum of liability per state
• 37:26
  Speaker 4: regulation to be driving down the road. Okay, So that
• 37:30
  Speaker 4: means every vehicle has to have its own coverage. Now,
• 37:33
  Speaker 4: there's times where your coverage does extend to another vehicle,
• 37:37
  Speaker 4: like a rental car. Interesting in that situation, but you
• 37:40
  Speaker 4: don't own that car and you're not the principal operator
• 37:42
  Speaker 4: of it.
• 37:45
  Speaker 2: I wish there was some cash involved with this bet
• 37:50
  Speaker 2: with her or something, dinner something, because she lost.
• 37:56
  Speaker 4: She lost, she lost. But you know what, how you
• 37:58
  Speaker 4: fix that? You make a quick call over that number
• 38:00
  Speaker 4: that you just called and said, hey, I want to
• 38:01
  Speaker 4: put coverage back on this vehicle and guess what happens
• 38:03
  Speaker 4: in two minutes? What done? It's that simple, That's that simple.
• 38:07
  Speaker 2: And what if you want to have it insured for what,
• 38:10
  Speaker 2: I don't know, thirty days?
• 38:11
  Speaker 4: Great, when you're ready to pull a bag off, call
• 38:14
  Speaker 4: us back. Will either suspend it for you or we
• 38:16
  Speaker 4: can cancel the policy.
• 38:17
  Speaker 2: I love that, Bobby. I am, along with so many
• 38:22
  Speaker 2: other fromonors, complaining so much, and I get heat from
• 38:29
  Speaker 2: about this every year. I complain about the potholes.
• 38:33
  Speaker 4: We didn't make a swimming pool.
• 38:35
  Speaker 2: We got to comment here from Rex here. I got
• 38:37
  Speaker 2: to read it in a second. But the potholes, man,
• 38:40
  Speaker 2: It's like, if you're not paying attention and you hit
• 38:48
  Speaker 2: one of these suckers. There's some big ones out there, right,
• 38:51
  Speaker 2: and if your eyes are open and you're looking at
• 38:53
  Speaker 2: the road and you're paying attention, you see them coming.
• 38:55
  Speaker 2: You're like, oh my god, you get around that thing,
• 38:57
  Speaker 2: and you're like, I am so glad I didn't I.
• 39:00
  Speaker 4: Didn't hit that right everywhere here one.
• 39:03
  Speaker 2: By hobby lobby, I mean, look at look, look at
• 39:07
  Speaker 2: over just past your office head by south end compies.
• 39:10
  Speaker 4: I like to call them craters.
• 39:12
  Speaker 2: What the hell is going on over there by South
• 39:15
  Speaker 2: End compies that the bridge there, Holy do you drive.
• 39:19
  Speaker 4: Through there every day, every day multiple times?
• 39:22
  Speaker 2: Is it better to go sixty seventy eighty miles an
• 39:26
  Speaker 2: hour through there or or better to go like one
• 39:29
  Speaker 2: mile an hour.
• 39:30
  Speaker 4: I don't think it matters, Okay, I really don't think
• 39:32
  Speaker 4: it matters. I think it's a situation now where used
• 39:35
  Speaker 4: to be able to get around it, now you can't.
• 39:38
  Speaker 4: So that that does bring up a question that I
• 39:42
  Speaker 4: have actually been asked recently is is if I hit
• 39:44
  Speaker 4: a pothole and I do damage my vehicle, does it
• 39:46
  Speaker 4: actually be is it covered under my insurance?
• 39:48
  Speaker 2: There you go, million dollar question this morning. I want
• 39:51
  Speaker 2: to know.
• 39:52
  Speaker 4: There's a difference between wear and tear of a vehicle,
• 39:54
  Speaker 4: which is like your normal wear and tear like your
• 39:57
  Speaker 4: you know, struts, your shocks, you know, your tire, where
• 40:02
  Speaker 4: your oil changes, that type of thing. So wear and
• 40:05
  Speaker 4: tear is never going to be covered on an auto
• 40:06
  Speaker 4: insurance or even know your home or renter's policy. Right,
• 40:10
  Speaker 4: But let's say you really do hit a pothole hard
• 40:14
  Speaker 4: and you do damage to your vehicle, which could be
• 40:16
  Speaker 4: your frame, could be your body.
• 40:20
  Speaker 2: Wheel.
• 40:21
  Speaker 4: Yeah, that type of thing you can make. That's a
• 40:23
  Speaker 4: that's a collision. That's a collision with the road. Right now,
• 40:27
  Speaker 4: if your strut starts making sound, probably going to be
• 40:30
  Speaker 4: a wear and terror issue. Like it's a strut, that's
• 40:32
  Speaker 4: what it does, kind of you know, braces for that
• 40:35
  Speaker 4: impact and eventually we'll go. But it depends on the severity. Example,
• 40:41
  Speaker 4: let's say your motorcycle falls off its kickstand and hits
• 40:44
  Speaker 4: the road. That's a collision with the road. That's a collision. Strange, right,
• 40:49
  Speaker 4: Insurance is a weird place, but potholes are interesting, right,
• 40:54
  Speaker 4: most most normally going to be a wear and terr issue.
• 40:57
  Speaker 4: Depending on the severity of that, it will could could
• 41:00
  Speaker 4: create it to be a collision.
• 41:02
  Speaker 2: Okay, you've seen this. You've heard this right here in
• 41:09
  Speaker 2: our community where people are asking you about this.
• 41:14
  Speaker 4: Yeah, amazing, Yeah, I get it. Every day is different
• 41:20
  Speaker 4: over at the office, right, It could be a claims issue,
• 41:24
  Speaker 4: It could be a liability problem. It could be explain
• 41:28
  Speaker 4: this coverage to me, add this coverage. We have upset
• 41:31
  Speaker 4: customers too. It happens, you know, it's nobody really wants
• 41:34
  Speaker 4: to deal with insurance. Nobody wants to pay for insurance. Sure, sure,
• 41:38
  Speaker 4: thank God, you know, rate increases have slowed to a stop. Actually,
• 41:42
  Speaker 4: State Farm hasn't taken a rate increase here in Vermont
• 41:45
  Speaker 4: since last April.
• 41:47
  Speaker 2: Wow.
• 41:49
  Speaker 4: And and really that was an interesting time, right, COVID
• 41:52
  Speaker 4: happened to us, right, and nobody was driving their vehicles.
• 41:55
  Speaker 4: There was not very many claims happening, so most companies
• 41:58
  Speaker 4: took big decreases or sent money back. Right, State Farmed,
• 42:01
  Speaker 4: you both, we took like twenty five percent off the
• 42:04
  Speaker 4: rates and sent many back. Right. State Farms a mutual company,
• 42:09
  Speaker 4: So State Farm we're not traded on the stock market
• 42:12
  Speaker 4: like the big eight hundred companies that you e. Everybody
• 42:15
  Speaker 4: kind of can probably tell. So we're a mutual company,
• 42:18
  Speaker 4: which means owned by the actual insurance. So when too
• 42:21
  Speaker 4: much money is taken, they have to give it back
• 42:24
  Speaker 4: one way or the other. And that's what happens. Right,
• 42:26
  Speaker 4: So we took a bunch of money off, and then
• 42:30
  Speaker 4: inflation kind of kicked in, right, So severity, which is
• 42:33
  Speaker 4: payouts of losses doubled, you know, in twenty twenty one
• 42:37
  Speaker 4: twenty twenty two, and then body shops kind of got behind.
• 42:41
  Speaker 4: So normally a fix of a car would be I
• 42:44
  Speaker 4: don't know, a couple of weeks now is two months, right,
• 42:47
  Speaker 4: So then you got your rental car coverage on your
• 42:49
  Speaker 4: policy's maxing out. So the issue is we're paying out
• 42:53
  Speaker 4: double and claims. And this is an every insurance company issue.
• 42:57
  Speaker 4: Wasn't just a state farm but everybody kind of had
• 42:59
  Speaker 4: to take that money back. Yeah, you gave all the money,
• 43:02
  Speaker 4: but then they're like, oh, dang, we're in trouble. We
• 43:03
  Speaker 4: gonna take that money back now because we have to
• 43:05
  Speaker 4: have a certain amount of claim money that you know,
• 43:08
  Speaker 4: to make us solving as an insurance company, and we
• 43:11
  Speaker 4: have to keep that going.
• 43:12
  Speaker 2: Tell me about this lady with the surrender fees.
• 43:17
  Speaker 4: Oh, life insurance. Okay, we'll get the life insurance. So
• 43:22
  Speaker 4: I do a lot of reviews with folks. I didn't
• 43:24
  Speaker 4: review for yourself. JD. Yes, there was a lady that
• 43:28
  Speaker 4: came in about a year ago to my office and
• 43:31
  Speaker 4: she had purchased a life insurance that her business had
• 43:35
  Speaker 4: brought in just to help the employees. Right, it wasn't
• 43:38
  Speaker 4: something that business actually was paying.
• 43:41
  Speaker 2: Folks. You got to listen to this. This is unbelievable.
• 43:43
  Speaker 4: So after quoting everything, we were actually able to give
• 43:47
  Speaker 4: her the same you know, death benefit on her life
• 43:50
  Speaker 4: policy at a lower premium. Then we started taking a
• 43:56
  Speaker 4: look at the fine line print on that policy. In
• 43:58
  Speaker 4: order for her to stop that policy with the other company,
• 44:02
  Speaker 4: she had to pay fifteen hundred dollars to do so.
• 44:08
  Speaker 4: So talk about shady right, Like I mean, different companies
• 44:15
  Speaker 4: do different things. That's one thing you'll never gonna have
• 44:17
  Speaker 4: with State Farm. If you cancel with State Farm, you're canceled.
• 44:20
  Speaker 4: There's no surrender fee, cancel fees, and there's none of that.
• 44:23
  Speaker 4: So that's the tough part about life insurance is a
• 44:28
  Speaker 4: lot of people will sign up for things and not
• 44:30
  Speaker 4: know the fine line print, Like I mean, example, if
• 44:34
  Speaker 4: you watch daytime television right now, how many life insurance
• 44:37
  Speaker 4: adds are you going to actually see? Probably ten an hour? Right.
• 44:41
  Speaker 4: A lot of them to say, hey, you can get
• 44:43
  Speaker 4: this policy for nine ninety nine a month. Well that's
• 44:45
  Speaker 4: nine ninety nine per one hundred or thousand of coverage, right,
• 44:49
  Speaker 4: depends on the company. They're gonna make you jump through hoops,
• 44:52
  Speaker 4: make you invest your time, then give you this price
• 44:56
  Speaker 4: at the end. That is outrageous. Most people sign up for.
• 45:03
  Speaker 2: Through my credit union. I receive stuff in the mail
• 45:09
  Speaker 2: all the time, sign right here, check this box and
• 45:16
  Speaker 2: for five dollars a month. Yep, it will automatically pull
• 45:22
  Speaker 2: it from your account. You're going to get ten thousand
• 45:25
  Speaker 2: dollars worth of life insurance. Yeah, kunah is it? Kuna?
• 45:30
  Speaker 2: I think I know.
• 45:31
  Speaker 4: There's so many. I can't keep up with him.
• 45:33
  Speaker 2: Yeah, it's incredible, there's so many. Yeah, I think I
• 45:37
  Speaker 2: think it was.
• 45:38
  Speaker 4: I'll tell you though, JD. I always tell people, yes,
• 45:41
  Speaker 4: sign up for that. There's a reason it's cheap. It
• 45:45
  Speaker 4: gives you some coverage, but understand it, do some homework.
• 45:50
  Speaker 4: It's typically accidental only. Okay, So when it comes to
• 45:54
  Speaker 4: those type of policies, is there's a reason why it
• 45:56
  Speaker 4: is cheap because it's not covering natural causes. So seventy
• 45:59
  Speaker 4: five percent of the time if anybody ever passes, whether
• 46:02
  Speaker 4: it's you know, longevity or unexpectedly, is going to be
• 46:06
  Speaker 4: of natural causes. You know, twenty five percent of the
• 46:10
  Speaker 4: time is accidental. Right, you walk out on main street,
• 46:13
  Speaker 4: somebody you know doesn't stop and hits you, and you know,
• 46:15
  Speaker 4: bus maybe something like that. It's great, it protects you
• 46:20
  Speaker 4: one fourth of the time out there. It's cheap, and
• 46:22
  Speaker 4: that's why so that's one of those things where we
• 46:26
  Speaker 4: don't sell a policy that's accidental only it's natural and accidental.
• 46:31
  Speaker 4: You know, there's very few exclusions with them.
• 46:33
  Speaker 2: What if you have you have you have two policies,
• 46:37
  Speaker 2: both with the same coverage. So I get this this
• 46:39
  Speaker 2: CUNA and then I have another policy that's also has
• 46:44
  Speaker 2: accidental in there. It happens which which policy kicks in.
• 46:53
  Speaker 4: You can stack life insurance, you can. You can stack
• 46:56
  Speaker 4: life insurance typically if you're paying for it's going to
• 46:57
  Speaker 4: pay out. It's not like a health insurance where you
• 46:59
  Speaker 4: can't have multiple So life insurance is one of those
• 47:02
  Speaker 4: things that typically are you know, you can stack as
• 47:04
  Speaker 4: many as you want. You can have multiple term insurance policies.
• 47:07
  Speaker 4: You can have a lot of whole life You can
• 47:09
  Speaker 4: have you know, a variety that are set up in
• 47:12
  Speaker 4: different times of your life and they all get paid
• 47:15
  Speaker 4: out tax free.
• 47:16
  Speaker 2: All Right, I just got this in the mail from
• 47:21
  Speaker 2: a a r P life insurance program. I'm going to
• 47:24
  Speaker 2: open it right now. Great, I'm going to hand it
• 47:27
  Speaker 2: over to you. Literally, I'm opening this right now.
• 47:32
  Speaker 4: So if you're getting a RP, what does that mean
• 47:33
  Speaker 4: for you?
• 47:33
  Speaker 2: J D. It means that I'm a little older, Bobby,
• 47:39
  Speaker 2: you're right behind me now, man, I'm feeling I'm fo
• 47:42
  Speaker 2: I got turned forty in January. I'm I'm gonna right now.
• 47:47
  Speaker 4: So there's a I'll give you a stat so that
• 47:49
  Speaker 4: just came in the mail. Half of the people that
• 47:52
  Speaker 4: are going to view this program today or watching it
• 47:54
  Speaker 4: right now either do not have life insurance at all
• 47:58
  Speaker 4: or do not have enough life insurance at all. Half.
• 48:01
  Speaker 4: So half of you that are actually listening or watching
• 48:06
  Speaker 4: this right now should probably do a review on your
• 48:09
  Speaker 4: life insurance.
• 48:10
  Speaker 2: Okay, all right, Bobby's having a look at my AARP.
• 48:19
  Speaker 4: So this looks like a junk mail. Well, it's a
• 48:22
  Speaker 4: type of permanent or whole life policy that they'll send
• 48:25
  Speaker 4: out where you can choose between ten thousand, which is
• 48:27
  Speaker 4: a final expense, to one hundred and fifty thousand. Some
• 48:31
  Speaker 4: of it does say current monthly rates for women non smokers,
• 48:36
  Speaker 4: so it could be termer whole. It's just a general
• 48:39
  Speaker 4: type of marketing to get you to call and then
• 48:43
  Speaker 4: they're going to try to explain this all over the
• 48:45
  Speaker 4: phone to you and it's impossible. Yeah, So it depends
• 48:50
  Speaker 4: on the type of policy that I'll tell people what
• 48:52
  Speaker 4: you're looking for. There's three different types. Really, Term which
• 48:55
  Speaker 4: is like a temporary you're basically setting the policy up
• 48:59
  Speaker 4: to a lot in a price for ten, twenty or
• 49:01
  Speaker 4: thirty years, and at the end of that the policy's
• 49:05
  Speaker 4: done basically, right, so let's take you step.
• 49:08
  Speaker 2: When it's done, you're twenty or thirty years older, right, right,
• 49:12
  Speaker 2: but it's with health issues made.
• 49:14
  Speaker 4: It's it's more affordable of a policy JD. So a
• 49:16
  Speaker 4: lot of people set that up to set up a
• 49:18
  Speaker 4: five hundred thousand dollars policy or a million policy to
• 49:21
  Speaker 4: protect their family, their home or their mortgage to make
• 49:24
  Speaker 4: sure the family could stay in there if something happens
• 49:27
  Speaker 4: to them, so they're you know, the family has no
• 49:29
  Speaker 4: impact of losing the home and paying the bills. Is
• 49:32
  Speaker 4: a place for it, There's definitely a place for it.
• 49:35
  Speaker 4: That's the number one product we typically sell is Term Life.
• 49:39
  Speaker 4: I do recommend a term and a whole life policy
• 49:42
  Speaker 4: though both yes, So term is basically to protect your
• 49:47
  Speaker 4: family a long term type situation to make sure the
• 49:49
  Speaker 4: family can stay in the home. Permanent or whole life
• 49:52
  Speaker 4: or universal life will actually lock in your age now
• 49:55
  Speaker 4: for the rest of your life and actually have living benefits,
• 49:59
  Speaker 4: which is like a cash value type living benefit policy
• 50:04
  Speaker 4: and the death benefit side. So what I like to
• 50:06
  Speaker 4: tell people what whole life is or permanent coverages is
• 50:10
  Speaker 4: basically a forced savings account that gets high yield interest
• 50:14
  Speaker 4: and death benefit attached to that.
• 50:16
  Speaker 2: You can cash out.
• 50:17
  Speaker 4: You can cash out. It takes a little bit to
• 50:18
  Speaker 4: kind of get that snowball going penalty, no penalty, no penalty.
• 50:23
  Speaker 4: So on a whole life policy, the only thing you're
• 50:25
  Speaker 4: going to actually ever have to pay taxes on if
• 50:27
  Speaker 4: you cash that out is the gain the amount that
• 50:29
  Speaker 4: state farm actually paid you an interest or whatever company
• 50:32
  Speaker 4: you have it with. So it's why I recommend both
• 50:36
  Speaker 4: you have your term that locks in ten, twenty or
• 50:38
  Speaker 4: thirty years. Once that expires, you fall back on the
• 50:41
  Speaker 4: whole life or the permanent policy that you set up
• 50:43
  Speaker 4: that actually locked in your age now for the rest
• 50:46
  Speaker 4: of your life, that never expires, and then you have
• 50:47
  Speaker 4: cash value going on.
• 50:48
  Speaker 2: All right, Layman's here, So you're older, you're sick, the
• 50:56
  Speaker 2: end is coming. Yeah, you might even see the end, right,
• 51:01
  Speaker 2: cash out by a yacht.
• 51:03
  Speaker 4: You could, or you can go to Hawaii. You go
• 51:06
  Speaker 4: somewhere that's not nine degrees outside. But you know what,
• 51:10
  Speaker 4: it's your money. You don't have to give me a
• 51:12
  Speaker 4: reason why you're cashing out.
• 51:13
  Speaker 2: It's amazing.
• 51:14
  Speaker 4: It's not a bank.
• 51:15
  Speaker 2: You said to me, uh JD. Do you know that
• 51:19
  Speaker 2: let's talk about let's let's paint. Everyone's got a different scenario, different,
• 51:23
  Speaker 2: different picture, unique, and you said, let let's paint your
• 51:26
  Speaker 2: picture here. You got this, you got that, we got
• 51:28
  Speaker 2: your age, You own a home, multiple cars, zippity. Do
• 51:34
  Speaker 2: have you ever heard of umbrellas? And I'm like, yeah,
• 51:36
  Speaker 2: you put the umbrella rein it. You did that with
• 51:41
  Speaker 2: me an umbrella policy. Yeah, talk to dumb this down please.
• 51:45
  Speaker 4: Right, So, umbrella is basically an extra amount of coverage
• 51:48
  Speaker 4: that goes over your auto and your home basically, and
• 51:52
  Speaker 4: it gives you a million while it starts at a
• 51:55
  Speaker 4: million and go higher of extra coverage. So I'll give
• 51:58
  Speaker 4: you an example. Right, Let's say you have that accident
• 52:01
  Speaker 4: down on Main Street like we talked about earlier. That
• 52:03
  Speaker 4: person actually gets hurt and sues you for one hundred
• 52:05
  Speaker 4: and fifty thousand dollars. Say your policy limits are lower.
• 52:09
  Speaker 4: At that point, you can set up an umbrella policy. Right,
• 52:12
  Speaker 4: umbrella policy gives you a million, dollars on top of
• 52:15
  Speaker 4: your liability on your auto and your home. So now
• 52:18
  Speaker 4: you're looking at one point three million of you know,
• 52:21
  Speaker 4: base coverage. Yeah you want to call it that. And
• 52:25
  Speaker 4: that issue that you had on Main Street. Now your
• 52:27
  Speaker 4: insurance company's taken care of for you, which means the
• 52:30
  Speaker 4: actual legal defense and the payout.
• 52:33
  Speaker 2: Yeah. You also said to me, Jad, how long have
• 52:38
  Speaker 2: you had your homeowner's policy? And I told you and
• 52:41
  Speaker 2: you said, well, you know, a lot of time's gone
• 52:45
  Speaker 2: by here. The market has changed. Your home is probably
• 52:50
  Speaker 2: worth is worth a lot more than what it was right.
• 52:56
  Speaker 2: Things have changed here, So what are you ensured for
• 53:00
  Speaker 2: for your homeowners? And I said, Poppy, I don't know.
• 53:05
  Speaker 2: And I brought you the policy and you're able to
• 53:09
  Speaker 2: match it up with what my home is is really worth.
• 53:13
  Speaker 4: And then some have two different values there JD. So
• 53:15
  Speaker 4: you have your market value and then you also have
• 53:17
  Speaker 4: your rebuild cost. Right rebuild comes it goes into the
• 53:21
  Speaker 4: actual labor and materials of rebuilding. And one of your
• 53:25
  Speaker 4: other sponsors, you know, Rex with Barceloa Construction, would be
• 53:30
  Speaker 4: a great chat with him on Friday and just ask
• 53:33
  Speaker 4: him how much more materials are this year and compared
• 53:37
  Speaker 4: to what they used to be. It talks about it
• 53:40
  Speaker 4: all the fifty typically, right, So I'll tell you that's
• 53:44
  Speaker 4: the issue. A lot of people that have you, we've
• 53:46
  Speaker 4: had policies that were put in place prior to twenty
• 53:49
  Speaker 4: twenty one, twenty twenty two. You probably don't have enough
• 53:52
  Speaker 4: coverage to rebuild your home, right And I think the
• 53:55
  Speaker 4: stats forty percent forty percent of all everyone in the
• 53:59
  Speaker 4: in the country for for anyone that has a homeowner's policy,
• 54:03
  Speaker 4: oh boy, under insured. Their home is under insured. So
• 54:08
  Speaker 4: it's important. And all that is is call your insurance agent,
• 54:11
  Speaker 4: call my office and say, hey, I'd love to just
• 54:14
  Speaker 4: go over my policy and make sure that I'm properly insured,
• 54:18
  Speaker 4: and a good agent will go through your replacement cost estimator,
• 54:21
  Speaker 4: make sure the square feed is right, make sure there's
• 54:24
  Speaker 4: been no improvement since then, make sure everything matches, and
• 54:26
  Speaker 4: refresh that rebuild cost interesting now you're let I'll give
• 54:31
  Speaker 4: you an example though. Say you're insured for two hundred
• 54:34
  Speaker 4: and fifty thousand and it increases to three hundred and
• 54:37
  Speaker 4: fifty thousand. Your rate's probably going to go up right now,
• 54:42
  Speaker 4: But what's the price to pay a couple dollars more
• 54:44
  Speaker 4: a month to make sure that you could actually build
• 54:46
  Speaker 4: your home if you have a total loss.
• 54:47
  Speaker 2: Yeah. Interesting, Gabe is asking us to talk about flood insurance,
• 54:51
  Speaker 2: which we've already we've already examined that, we've already talked
• 54:56
  Speaker 2: about that. So Gabe, if you have a chance, go
• 54:58
  Speaker 2: back and rewatch re listen. But the bottom line on
• 55:02
  Speaker 2: flood insurance is is what poppy do you have to have?
• 55:06
  Speaker 2: Do you have to if you live in a flood zone,
• 55:09
  Speaker 2: do you have to have flood insurance?
• 55:11
  Speaker 4: Depends on if your mortgage company or not requires that.
• 55:14
  Speaker 4: So sometimes in order to actually get a mortgage, they'll
• 55:17
  Speaker 4: require you to have flood insurance in place. If you're
• 55:19
  Speaker 4: in a flood zone, you can get it privately or
• 55:23
  Speaker 4: you can call you know, an insurance agent that can
• 55:26
  Speaker 4: right it. Like State Farm doesn't offer flod insurance, but
• 55:29
  Speaker 4: I do. I can write it through FEMAUR and FIP separately. Yeah,
• 55:33
  Speaker 4: and you can call and get a quote at any
• 55:35
  Speaker 4: time on that. Typically, if you're in a flood zone,
• 55:37
  Speaker 4: it's going to be more expensive than it would be
• 55:39
  Speaker 4: if you're not directly in a flood zone.
• 55:42
  Speaker 2: And if you're not in a flood zone. You can
• 55:44
  Speaker 2: still buy flood.
• 55:45
  Speaker 4: And you sure can. I mean you can buy flood
• 55:47
  Speaker 4: insurance if you're a homeowner, if you're renting, just for
• 55:49
  Speaker 4: your personal property, if you're a business owner. It's definitely
• 55:53
  Speaker 4: something that I recommend now more than ever based on
• 55:56
  Speaker 4: the last few years.
• 55:57
  Speaker 2: And does state farm offer flood insurance?
• 56:00
  Speaker 4: Doesn't? But I can, I have I have a separate
• 56:05
  Speaker 4: ability to write it through FEMA or NFIP. Now when
• 56:09
  Speaker 4: it comes to what's I so that's National Flood Insurance
• 56:13
  Speaker 4: Program right, So, but flood is not covered under any
• 56:19
  Speaker 4: home renters anything not no water you know underground, uh,
• 56:24
  Speaker 4: seepage of water, earth movements are named exclusions. So that's
• 56:28
  Speaker 4: why you need a flood insurance policy.
• 56:30
  Speaker 2: Wow, I'm just a glancing here. You know, we were
• 56:37
  Speaker 2: talking about back to life insurance. You we had a
• 56:42
  Speaker 2: a really, for lack of a better term, intimate conversation
• 56:48
  Speaker 2: about life insurance in your office and you asked me
• 56:52
  Speaker 2: some some really hard questions and a lot of it
• 56:58
  Speaker 2: was surrounding lily, right, and you know, we get the
• 57:06
  Speaker 2: will drawn up, we do this, we do that. But
• 57:13
  Speaker 2: life insurance is is really really really important.
• 57:20
  Speaker 4: Yeah, it is.
• 57:22
  Speaker 2: Because if if you don't have it and you pass,
• 57:33
  Speaker 2: what happens to your family?
• 57:38
  Speaker 4: It's a great question, JD. And I'm gonna be a
• 57:40
  Speaker 4: little corny right now with my response. Okay, So everybody
• 57:45
  Speaker 4: be ready. So anybody that's listening, anybody, I want you
• 57:47
  Speaker 4: to close your eyes, and I want you to think,
• 57:49
  Speaker 4: if something happens right now or even tonight and you
• 57:52
  Speaker 4: don't wake up tomorrow morning, what does it look like
• 57:56
  Speaker 4: for your family financially? Okay? And I want you to think,
• 58:03
  Speaker 4: maybe in one month, what does that look like financially? Okay?
• 58:09
  Speaker 4: And I want you to kind of think and about
• 58:10
  Speaker 4: one year, what's that look like financially for your family?
• 58:15
  Speaker 2: Right?
• 58:15
  Speaker 4: And then I want you to think three years what
• 58:18
  Speaker 4: that looks like for your family financially? That's the scary part.
• 58:23
  Speaker 4: A lot of folks only have life insurance through their employer, right,
• 58:29
  Speaker 4: Usually one time's their salary. What does that mean? That
• 58:34
  Speaker 4: means your income is being replaced for one year to
• 58:37
  Speaker 4: your family, minus your funeral expenses. Okay, your family might
• 58:42
  Speaker 4: be okay for a year that they can stay in
• 58:44
  Speaker 4: the home. They they're not going to be impacted with
• 58:47
  Speaker 4: bills to a certain extent. What happens after that is
• 58:51
  Speaker 4: the question, and that's the problem. That's when families crumble.
• 58:55
  Speaker 4: That's when mortgages, you know, you know, your your payments
• 58:59
  Speaker 4: laps and you have to give up your home and
• 59:03
  Speaker 4: your family then has to make major changes to stay afloat.
• 59:07
  Speaker 4: That's what my job is to make sure that my
• 59:10
  Speaker 4: customers or even folks that are not my customers right now,
• 59:14
  Speaker 4: realize that you can supplement with a more affordable term
• 59:19
  Speaker 4: policy to prevent that from happening for less than a
• 59:23
  Speaker 4: dollar a day typically, JD, that we can make a
• 59:27
  Speaker 4: program that supplements what you have through work, so your
• 59:30
  Speaker 4: family does not have to have a financial crisis. There's
• 59:34
  Speaker 4: no catastrophe for them. Life insurance is the hardest part
• 59:38
  Speaker 4: of this because you can't use nothing you can put
• 59:40
  Speaker 4: in your hand, you can't hold it, you can't drive it.
• 59:43
  Speaker 4: It's nothing that you technically have as a material possession.
• 59:47
  Speaker 4: But it's something that allows me to sleep better each
• 59:49
  Speaker 4: night knowing that if I don't wake up JD, my family,
• 59:54
  Speaker 4: Jessica are going to be in good shape.
• 59:56
  Speaker 2: How many kids ye have? Bobby two? Okay, isn't that
• 1:00:00
  Speaker 2: amazing that you know that that you like you just said,
• 1:00:05
  Speaker 2: you can you can sleep knowing that if they're they're
• 1:00:10
  Speaker 2: all going to be okay. Not just for six months
• 1:00:12
  Speaker 2: or a year.
• 1:00:14
  Speaker 4: That's it. You know, you want to give you your
• 1:00:16
  Speaker 4: family time one to grieve, but also to continue living
• 1:00:20
  Speaker 4: their life until they can make adjustments right down the road.
• 1:00:24
  Speaker 4: Because you're never going to replace you as as a
• 1:00:26
  Speaker 4: parent right right when you have kids. If you lose
• 1:00:29
  Speaker 4: a parent, you can never replace that. But you can
• 1:00:33
  Speaker 4: still take care of them.
• 1:00:35
  Speaker 2: And Lily could use my, uh my life insurance pay out,
• 1:00:40
  Speaker 2: making her the beneficiary. She can use that for whatever
• 1:00:44
  Speaker 2: she wants. Wow, what can I say? Can I say,
• 1:00:51
  Speaker 2: you know, not until you're eighteen, not until you're twenty five?
• 1:00:56
  Speaker 4: Can I say, yeah, you can name children? I would
• 1:00:59
  Speaker 4: just say if they're underage, naming someone that can be
• 1:01:03
  Speaker 4: a guardian at that point, just to make sure that
• 1:01:05
  Speaker 4: the money goes to them when they become old enough.
• 1:01:08
  Speaker 4: And we ask those questions when it comes to like
• 1:01:11
  Speaker 4: benef primary beneficiary, successors and which way we go when
• 1:01:14
  Speaker 4: we set up these policies.
• 1:01:16
  Speaker 2: Is it important to have your life insurance policy somewhere
• 1:01:22
  Speaker 2: accessible in your home where your wife knows where it is,
• 1:01:26
  Speaker 2: your girlfriend knows where it is your other family members
• 1:01:28
  Speaker 2: know where it is, or do you have to put
• 1:01:29
  Speaker 2: it in a safe deposit box or what do you
• 1:01:32
  Speaker 2: in the safe? What do you do?
• 1:01:33
  Speaker 4: I recommend you have it somewhere where it can be
• 1:01:35
  Speaker 4: found if something happens with the will. Yes, yeah, that's
• 1:01:38
  Speaker 4: one hundred percent one of the recommended because we'll do
• 1:01:40
  Speaker 4: our best. Like I'll be honest with you, we do
• 1:01:44
  Speaker 4: look at the world and the times are this each day.
• 1:01:47
  Speaker 4: We'll read through the obituaries as an office, and we'll
• 1:01:52
  Speaker 4: do our best if something happens to try to reach out,
• 1:01:55
  Speaker 4: but sometimes we just don't know, right. So have that
• 1:01:58
  Speaker 4: to be a place where it can be. And if
• 1:02:01
  Speaker 4: you know, if someone's able to call my office and
• 1:02:03
  Speaker 4: let me know, I'm usually gonna ask a couple of questions.
• 1:02:06
  Speaker 4: Is there an obituary yet? And you know, let me
• 1:02:10
  Speaker 4: And basically that's number one, And then there's paperwork to sign,
• 1:02:14
  Speaker 4: which I'll have you come in or I can come
• 1:02:15
  Speaker 4: out to you in that situation, and then I hand
• 1:02:17
  Speaker 4: you a check.
• 1:02:19
  Speaker 2: Yeah.
• 1:02:19
  Speaker 4: You know, personally, I'm not just a person that sets
• 1:02:22
  Speaker 4: up the policy. I'm also the one that's going to
• 1:02:24
  Speaker 4: be handing your family a check, you know, and that's
• 1:02:28
  Speaker 4: happened a few times, and that brings it all full
• 1:02:31
  Speaker 4: circle for me. Yeah, when you see that reaction for
• 1:02:34
  Speaker 4: folks when they get a hand in a check, it's
• 1:02:38
  Speaker 4: a different it's a different feeling that you can't replicate.
• 1:02:40
  Speaker 2: Wow, I want to ask you about the wildfires in
• 1:02:45
  Speaker 2: California because when when that was happening, it was all
• 1:02:52
  Speaker 2: over Facebook, and it was all over aired out too,
• 1:02:55
  Speaker 2: and there were a ton of comments that were coming in.
• 1:03:00
  Speaker 2: You saw those comments, so yeah on aired out. Yeah,
• 1:03:03
  Speaker 2: what say Bobby.
• 1:03:05
  Speaker 4: So there's a lot going on over there, Okay, So
• 1:03:08
  Speaker 4: I'll I'll just put it out there that this has
• 1:03:11
  Speaker 4: been an issue that's been going on for years upon
• 1:03:13
  Speaker 4: years over there in California where it's an overregulated insurance state.
• 1:03:21
  Speaker 4: So for many many years, let's say five or six
• 1:03:23
  Speaker 4: years now, insurance companies have actuaries behind the scenes that say, hey,
• 1:03:31
  Speaker 4: insurance company, we think you should raise rates because of
• 1:03:35
  Speaker 4: heightened heightened issues with mudslides, you know, fires in the area, earthquakes,
• 1:03:43
  Speaker 4: you know, the actual weather patterns, that type of thing, right,
• 1:03:46
  Speaker 4: and insurance companies have submitted for increases in California for
• 1:03:51
  Speaker 4: years upon years upon years upon years because of the
• 1:03:53
  Speaker 4: overregulation in the state, none of those were approved, right,
• 1:03:58
  Speaker 4: So now you have insurance companies that are just bleeding money, okay,
• 1:04:07
  Speaker 4: and they're insuring homes in high risk areas. And I'll
• 1:04:10
  Speaker 4: say it, State Farm, I believe last year lost eight
• 1:04:14
  Speaker 4: billion dollars in California. Okay, eight billion with a bee. Okay.
• 1:04:22
  Speaker 4: So let's just say, if you're a small business and
• 1:04:26
  Speaker 4: you are bleeding money like that, how long are you
• 1:04:28
  Speaker 4: staying afloat? It's not long, right, And if you can't
• 1:04:32
  Speaker 4: fix it, what are you going to do? It's the
• 1:04:34
  Speaker 4: only thing that you have as a company that you
• 1:04:36
  Speaker 4: can fix that problem. And that's kind of what started happening,
• 1:04:39
  Speaker 4: actually started happening about three years ago. A lot of
• 1:04:41
  Speaker 4: the insurance companies, not just a state farms, started just
• 1:04:44
  Speaker 4: non renewing policies. That's all they had. They can continue
• 1:04:47
  Speaker 4: just kind of getting killed on the claim side, or
• 1:04:50
  Speaker 4: they can non renew And the state lawn in California
• 1:04:53
  Speaker 4: is seventy five days. So if you're your home is
• 1:04:57
  Speaker 4: gonna get non renewed. If you're in a fire zone,
• 1:04:59
  Speaker 4: you have a seventy five day warning that it's going.
• 1:05:02
  Speaker 2: To happen whole states of fires.
• 1:05:04
  Speaker 4: So there's more I mean, there's there's definitely some hot
• 1:05:07
  Speaker 4: spots there that are more high risk, right. And the
• 1:05:12
  Speaker 4: tough part is they're still trying to fight even after this,
• 1:05:17
  Speaker 4: to stay in the in the state and to not
• 1:05:19
  Speaker 4: non renew any more homes by taking some increases, and
• 1:05:22
  Speaker 4: they're still fighting for it. So there's a lot of
• 1:05:24
  Speaker 4: misconceptions about what happened about insurance companies there. Unfortunately, it's
• 1:05:30
  Speaker 4: only part of the problem, right. The other part of
• 1:05:32
  Speaker 4: it is the overregulation and how long it's taking for
• 1:05:36
  Speaker 4: inscurence companies to actually be able to take an increase
• 1:05:40
  Speaker 4: to match the risk that they're paying out for.
• 1:05:44
  Speaker 2: So are you basically saying that a large number of
• 1:05:49
  Speaker 2: those homes that were destroyed by fire are not going
• 1:05:54
  Speaker 2: to be insurable. They're those people have have lost that stuff.
• 1:06:02
  Speaker 4: Unfortunately, now there there is there is a way the
• 1:06:08
  Speaker 4: California has their own state insurance now same thing like
• 1:06:11
  Speaker 4: Florida has for home insurance policies that just no one
• 1:06:14
  Speaker 4: will take the risk anymore. So state, the city of
• 1:06:17
  Speaker 4: California actually has their own at triple the cost of
• 1:06:22
  Speaker 4: all other you know, allowed insurance companies in the state,
• 1:06:26
  Speaker 4: which is kind of strange. Right, you have the state
• 1:06:28
  Speaker 4: that won't allow any insurance to actually increase their rate,
• 1:06:31
  Speaker 4: so they stay in the state and insure homes, but
• 1:06:33
  Speaker 4: the state can trip to can actually charge triple you know,
• 1:06:37
  Speaker 4: for their pool. So there's a lot going on over there. Politically,
• 1:06:42
  Speaker 4: there's a lot going on regulatory. I just want to
• 1:06:44
  Speaker 4: clear up the fact that this isn't just an insurance
• 1:06:48
  Speaker 4: greed problem. This is something that has been bubbling and
• 1:06:51
  Speaker 4: bubbling for years upon years upon years, and unfortunately it's
• 1:06:56
  Speaker 4: kind of reached the climax to it all here.
• 1:07:00
  Speaker 2: What's going to happen with.
• 1:07:02
  Speaker 4: A So there's a moratorium that was placed by the
• 1:07:05
  Speaker 4: state of California about a week after the fires, and
• 1:07:10
  Speaker 4: so no one can get non renewed right now. But
• 1:07:12
  Speaker 4: I'll tell you when that expires, I bet you most
• 1:07:15
  Speaker 4: carriers pull out in the state of California unless some
• 1:07:18
  Speaker 4: regulatory changes are made there that allow some rate increase
• 1:07:22
  Speaker 4: to actually happen. And on the flip side, I do
• 1:07:24
  Speaker 4: get asked that question a lot is is California and
• 1:07:28
  Speaker 4: the problem they are affecting our rates here in Vermont?
• 1:07:30
  Speaker 4: Right that happened. I've had quite a few calls there,
• 1:07:33
  Speaker 4: and the answer is, no, it shouldn't. California and how
• 1:07:39
  Speaker 4: State Farm deals with California is its own separate companies
• 1:07:43
  Speaker 4: called State Farm General Insurance. And what that means is
• 1:07:46
  Speaker 4: is they actually have their own bucket of money that
• 1:07:49
  Speaker 4: is reinsured. So basically, some insurance companies in a high
• 1:07:53
  Speaker 4: rid situation will actually ensure their insurance policies. Right, it's
• 1:07:56
  Speaker 4: kind of weird, I.
• 1:07:57
  Speaker 2: Know, wow.
• 1:07:58
  Speaker 4: So so no, it shouldn't affect Vermont. So Vermont's its
• 1:08:03
  Speaker 4: own bucket. Let's just say, you know, we're our own
• 1:08:06
  Speaker 4: claims bucket, We're our own rate bucket. We have six
• 1:08:09
  Speaker 4: hundred thousand people. New York's a different bucket, Vermont's a
• 1:08:12
  Speaker 4: different bucket. So what we try to do is price
• 1:08:15
  Speaker 4: our risk accordingly based on what's going on for claims
• 1:08:19
  Speaker 4: in our bucket.
• 1:08:20
  Speaker 2: So I've got my homeowners with you. I have three
• 1:08:25
  Speaker 2: vehicles and two vehicles and one motor two vehicles and
• 1:08:33
  Speaker 2: two motorcycles insured with you guys. And I have to say,
• 1:08:39
  Speaker 2: what you've done for us, what you've done for Cherylyn
• 1:08:42
  Speaker 2: and I is amazing, amazing, whether and I would say
• 1:08:47
  Speaker 2: that gladly. Whether State Farm is a presenting sponsor of
• 1:08:52
  Speaker 2: the Aired Out podcast or not, you guys have really
• 1:08:56
  Speaker 2: bent over backwards for us and we appreciate it so much.
• 1:09:00
  Speaker 2: I've got the umbrella policy and for you to take
• 1:09:05
  Speaker 2: out the magnifying glass and go through my stuff and
• 1:09:12
  Speaker 2: say to me, JD. You're buttoned up, You're in good shape.
• 1:09:19
  Speaker 2: Relax on all levels. Even my life insurance policy is
• 1:09:28
  Speaker 2: a great it's a great feeling. It's a great feeling
• 1:09:31
  Speaker 2: my home, my auto, everything, and Charlyn feels the same way.
• 1:09:37
  Speaker 4: And that's the goal. We want you to feel that
• 1:09:41
  Speaker 4: if something happens, you're taken care of. Yeah, that's it,
• 1:09:45
  Speaker 4: because you're paying money. Yeah, you're paying money to be
• 1:09:48
  Speaker 4: taken care of. And that's that's the misconception of it
• 1:09:51
  Speaker 4: all is a lot of people pay money thinking they're
• 1:09:54
  Speaker 4: going to be taken care of and they're not. Their
• 1:09:56
  Speaker 4: cupboard is are not correct. So I just recommend, whether
• 1:10:00
  Speaker 4: you call my office or not, anybody that's you know,
• 1:10:03
  Speaker 4: listening or watching, call your insurance agent and just ask
• 1:10:07
  Speaker 4: for a review.
• 1:10:08
  Speaker 2: Four seven nine thirty three point fifty three is your number.
• 1:10:12
  Speaker 2: If you get a quote on anything over at State
• 1:10:17
  Speaker 2: farm during the month of February. Bobby's going to cut
• 1:10:21
  Speaker 2: your check for twenty bucks regardless of that quote and
• 1:10:27
  Speaker 2: the results of it. Email Bobby.
• 1:10:29
  Speaker 4: Yeah, it's Bob at Rockcityinsurance dot Com.
• 1:10:35
  Speaker 3: OK.
• 1:10:37
  Speaker 2: Yeah, all right, And of course you can literally walk
• 1:10:42
  Speaker 2: through the doors, walk in there, say hi to Nicole, Lisa, Tiffany, Malia, Jessica,
• 1:10:49
  Speaker 2: you and say here's my stuff.
• 1:10:51
  Speaker 4: I'm so proud of my team. They do an amazing
• 1:10:53
  Speaker 4: job for the customers. They're just fantastic.
• 1:10:55
  Speaker 2: You do an amazing job for the community your old
• 1:10:57
  Speaker 2: team does. But I mean the fact that you know,
• 1:10:59
  Speaker 2: you do little things. You dress it up for Christmas.
• 1:11:03
  Speaker 2: You got the pumpkins out there during Halloween that you
• 1:11:06
  Speaker 2: give to the community. You do. You do a lot
• 1:11:08
  Speaker 2: of great stuff, Bobby, you really do.
• 1:11:11
  Speaker 4: Thank you.
• 1:11:11
  Speaker 2: You literally act like you love what you do. And
• 1:11:19
  Speaker 2: that's cool as hell. Man.
• 1:11:20
  Speaker 4: I do I do in my light. My profession doesn't stop.
• 1:11:23
  Speaker 4: I mean, I'm asked about insurance everywhere I go, which
• 1:11:26
  Speaker 4: is fantastic. You know, that's just what I do. But
• 1:11:28
  Speaker 4: we try to live the good neighbor mentality, if you
• 1:11:31
  Speaker 4: want to call it that. It's not just a slogan
• 1:11:33
  Speaker 4: that you see on TV. Sure, that's what I'm charged
• 1:11:36
  Speaker 4: to do as an agent, right.
• 1:11:41
  Speaker 2: I want to I want to get more involved with
• 1:11:44
  Speaker 2: you guys. I want to come over there and maybe
• 1:11:47
  Speaker 2: do a quick live stream. Just walk around, show show
• 1:11:49
  Speaker 2: people what took expect. I'm going to walk through the doors,
• 1:11:52
  Speaker 2: just like I called over the this this morning.
• 1:11:56
  Speaker 4: I had someone walking last week. They said, Wow, I
• 1:11:59
  Speaker 4: didn't expect this place to look like this. In here,
• 1:12:01
  Speaker 4: it looks a lot. It's not a gloomy old insurance
• 1:12:04
  Speaker 4: agent office. I tell you that. We try to make
• 1:12:07
  Speaker 4: it a little more fun.
• 1:12:08
  Speaker 2: Yeah, thank you for everything you've you've done. There's a
• 1:12:12
  Speaker 2: lot of comments here and a lot of questions. One
• 1:12:16
  Speaker 2: of them is, let's see right here, where is it?
• 1:12:23
  Speaker 2: Ask Bobby about his band? The dude does a rock star?
• 1:12:28
  Speaker 2: Just look at his hair? I mean, that's one of
• 1:12:32
  Speaker 2: the comments here. What's the deal you're really a drummer?
• 1:12:34
  Speaker 4: I'm a drummer. Yeah, I'm in a cover band. It's
• 1:12:37
  Speaker 4: called Barbie and Bones. It's based out of up in
• 1:12:40
  Speaker 4: Chinning County, Franklin County area. You know, we play about
• 1:12:44
  Speaker 4: fourteen fifteen shows a year playing the den. Up coming
• 1:12:47
  Speaker 4: up here in fall.
• 1:12:48
  Speaker 2: Yes, yeah, I've got to go. It's gonna be a blast.
• 1:12:52
  Speaker 2: I've got to go.
• 1:12:52
  Speaker 4: It's gonna be fantastic. I think it's October fourth of
• 1:12:54
  Speaker 4: the den.
• 1:12:56
  Speaker 2: Thank you for everything you've done for our community. Thanks
• 1:12:59
  Speaker 2: for everything you've done for me personally.
• 1:13:02
  Speaker 4: Man, my pleasure.
• 1:13:03
  Speaker 2: I really mean that. I love having us my insurance guy.
• 1:13:08
  Speaker 2: And I know that I can ask you any question
• 1:13:10
  Speaker 2: that I might have and you'll give me any answer.
• 1:13:13
  Speaker 2: And there's been a few times where I'm like, whoa, whoa, whoa, Bobby, No,
• 1:13:18
  Speaker 2: dumb it down, pal, and you do that. I love that.
• 1:13:22
  Speaker 4: I get too excited about insurance. Yes, I'm an insurance.
• 1:13:25
  Speaker 2: Are you a geek?
• 1:13:26
  Speaker 4: I can be. Okay, I can be a geek. So
• 1:13:28
  Speaker 4: I do have to remind myself to dumb it down
• 1:13:30
  Speaker 4: sometimes in my excitement when I talk to someone. So
• 1:13:33
  Speaker 4: I'll tell you insurance can be boring and it's horrible
• 1:13:38
  Speaker 4: at times. Yes, but we're gonna try to make it
• 1:13:40
  Speaker 4: fun for you.
• 1:13:41
  Speaker 2: I want to say, also, thank you for making me
• 1:13:48
  Speaker 2: an MVB.
• 1:13:51
  Speaker 4: The most valuable bundler because we couldn't give it to Mahomes.
• 1:13:54
  Speaker 2: You didn't win. Come on, Bobby, come on, we.
• 1:14:01
  Speaker 4: Don't have the confetti today.
• 1:14:11
  Speaker 2: Thanks for being here, Bobby, Thanks for being a presenting sponsor.
• 1:14:15
  Speaker 2: Either way, Man, I love you guys to pieces and
• 1:14:19
  Speaker 2: I'm so so happy to have you on the air.
• 1:14:21
  Speaker 2: You're gonna come back in here again, right, I hope
• 1:14:23
  Speaker 2: you do, Man, I hope you do.
• 1:14:25
  Speaker 4: Sounds great. I appreciate you, and thanks everybody for watching.
• 1:14:28
  Speaker 4: Thanks for all the customers for your trust. We really
• 1:14:30
  Speaker 4: appreciate you.
• 1:14:31
  Speaker 2: And drive carefully, man, Drive carefully this winter. Take it easy.
• 1:14:36
  Speaker 4: You know I always post sometimes hat it's a full
• 1:14:39
  Speaker 4: coverage time type of day today. Be careful, Be nice everyone.
• 1:14:42
  Speaker 4: I see almost the accidents every day and it's just
• 1:14:44
  Speaker 4: cringe worthy. So does everybody take care of each other.
• 1:14:47
  Speaker 2: Thanks for coming in buddy, Appreciate it, and get back
• 1:14:50
  Speaker 2: in here soon. We'll do all right.
• 1:15:19
  Speaker 1: Dot dot dot dot dot dot dot dot and tot