Ask the Attorney: Part 1
WSFA 12 News
[{'start': '0.000', 'end': '3.200', 'text': 'personal injury attorney Steuart Vance'}, {'start': '1.439', 'end': '5.200', 'text': 'from the Vance Law Firm here in studio'}, {'start': '3.200', 'end': '6.560', 'text': 'ready to answer your legal questions.'}, {'start': '5.200', 'end': '8.400', 'text': 'When most people hear your name, they'}, {'start': '6.560', 'end': '10.639', 'text': 'think of car wrecks, but you are a'}, {'start': '8.400', 'end': '11.759', 'text': 'personal injury attorney. You cover a'}, {'start': '10.639', 'end': '13.519', 'text': 'number of things. What does that'}, {'start': '11.759', 'end': '16.720', 'text': "include? Yeah, Jasmine, it's really"}, {'start': '13.519', 'end': '18.240', 'text': 'anytime someone suffers an injury.'}, {'start': '16.720', 'end': '20.320', 'text': "that's that's reason enough to call us"}, {'start': '18.240', 'end': '22.320', 'text': "because it can be from we've got a case"}, {'start': '20.320', 'end': '24.560', 'text': 'now where someone fell in an old well,'}, {'start': '22.320', 'end': '28.080', 'text': 'someone got hurt uh you know slip and'}, {'start': '24.560', 'end': '31.760', 'text': 'fall in a shopping center um on the job'}, {'start': '28.080', 'end': '33.600', 'text': 'injury um anything over the years over'}, {'start': '31.760', 'end': '35.120', 'text': "30 years of doing this I've heard things"}, {'start': '33.600', 'end': '36.719', 'text': 'I thought gosh I never would have I'}, {'start': '35.120', 'end': '39.840', 'text': 'could have dreamed that happen but yeah'}, {'start': '36.719', 'end': '41.920', 'text': "anytime someone's hurt minor severe loss"}, {'start': '39.840', 'end': '44.079', 'text': "of life loss of limb it's worth a phone"}, {'start': '41.920', 'end': '46.320', 'text': "call u because if it's caused by someone"}, {'start': '44.079', 'end': '50.160', 'text': "else's negligence recklessness behavior"}, {'start': '46.320', 'end': '52.320', 'text': 'behavior or uh a homeowner, landowner,'}, {'start': '50.160', 'end': '54.800', 'text': 'somebody not keeping you aware of'}, {'start': '52.320', 'end': '57.199', 'text': "something dangerous. That's premises"}, {'start': '54.800', 'end': '58.480', 'text': 'liability. And that law, those laws are'}, {'start': '57.199', 'end': '60.079', 'text': "a little different depending on if it's"}, {'start': '58.480', 'end': '62.079', 'text': "a homeowner, if it's a place of"}, {'start': '60.079', 'end': '63.920', 'text': "business, if it's a public, you know,"}, {'start': '62.079', 'end': '65.840', 'text': 'place. They all are treated a little'}, {'start': '63.920', 'end': '67.520', 'text': "different, but it's worth a phone call"}, {'start': '65.840', 'end': '69.040', 'text': 'if you know someone in your family'}, {'start': '67.520', 'end': '71.040', 'text': "that's been injured, just to find out"}, {'start': '69.040', 'end': '72.880', 'text': 'what your options may be. The trending'}, {'start': '71.040', 'end': '76.080', 'text': 'topic right now here in our state is the'}, {'start': '72.880', 'end': '77.920', 'text': 'kangaroo that was hopping on I 85'}, {'start': '76.080', 'end': '79.840', 'text': 'earlier this week caused a small'}, {'start': '77.920', 'end': '81.200', 'text': 'collision there. Thankfully no one was'}, {'start': '79.840', 'end': '83.600', 'text': 'injured again. Thankfully no one was'}, {'start': '81.200', 'end': '87.040', 'text': "injured. But let's say you did hit"}, {'start': '83.600', 'end': '89.680', 'text': 'someone because there was a distraction'}, {'start': '87.040', 'end': '92.640', 'text': 'or a kangaroo which hopefully that never'}, {'start': '89.680', 'end': '94.799', 'text': 'happens again crosses over. Who is at'}, {'start': '92.640', 'end': '96.720', 'text': "fault in an incident like that? That's a"}, {'start': '94.799', 'end': '98.560', 'text': 'great question. We we chuckled about it'}, {'start': '96.720', 'end': '101.200', 'text': 'at the office because the footage of the'}, {'start': '98.560', 'end': '103.119', 'text': 'kangaroo hopping down the road it and I'}, {'start': '101.200', 'end': '104.720', 'text': 'say it all the time. It depends. Um we'}, {'start': '103.119', 'end': '106.880', 'text': "see deer that run out. That's exactly"}, {'start': '104.720', 'end': '109.759', 'text': "right. In our state, yeah, it's an odd"}, {'start': '106.880', 'end': '112.000', 'text': "kangaroo, but it's it's a hopping deer,"}, {'start': '109.759', 'end': '113.759', 'text': "but it it's still treated that way. And"}, {'start': '112.000', 'end': '116.320', 'text': "it's, you know, you can't hold the"}, {'start': '113.759', 'end': '118.960', 'text': 'kangaroo responsible or the deer or the'}, {'start': '116.320', 'end': '120.320', 'text': "person that let it out. Now, that's goes"}, {'start': '118.960', 'end': '121.680', 'text': 'down some different trails. We were'}, {'start': '120.320', 'end': '123.280', 'text': 'sitting around at one of our attorney'}, {'start': '121.680', 'end': '125.280', 'text': 'meetings and everybody was coming up'}, {'start': '123.280', 'end': '128.000', 'text': 'with different ideas. you know, if in'}, {'start': '125.280', 'end': '131.200', 'text': 'fact the kangaroo hopped out of a truck'}, {'start': '128.000', 'end': '133.840', 'text': "in front of you um and the driver didn't"}, {'start': '131.200', 'end': '136.560', 'text': 'stop, then yeah, there you would be have'}, {'start': '133.840', 'end': '137.840', 'text': "a claim because now driver Yeah, it's a"}, {'start': '136.560', 'end': '140.160', 'text': 'phantom vehicle because that driver'}, {'start': '137.840', 'end': '141.840', 'text': "didn't stop. So, your insurance would"}, {'start': '140.160', 'end': '144.000', 'text': 'would possibly cover you if you were'}, {'start': '141.840', 'end': '145.200', 'text': 'injured or damaged to your car. So, it'}, {'start': '144.000', 'end': '147.280', 'text': 'sort of depends on where it is. If you'}, {'start': '145.200', 'end': '148.879', 'text': "just see it and you're distracted by it"}, {'start': '147.280', 'end': '150.239', 'text': 'and you hit the car in front of you,'}, {'start': '148.879', 'end': '151.840', 'text': "it's really going to be treated no"}, {'start': '150.239', 'end': '154.640', 'text': 'different than you distracted by your'}, {'start': '151.840', 'end': '156.319', 'text': 'phone or a sign on the side of the road'}, {'start': '154.640', 'end': '158.879', 'text': "or whatever it might be. It's still"}, {'start': '156.319', 'end': '160.400', 'text': "distraction and you know, you're still"}, {'start': '158.879', 'end': '162.000', 'text': 'going to be the one at fault if you hit'}, {'start': '160.400', 'end': '164.160', 'text': 'the car in front of you. I can only'}, {'start': '162.000', 'end': '166.800', 'text': 'imagine calling your insurance company'}, {'start': '164.160', 'end': '168.000', 'text': 'and saying, "Hey, I need help getting my'}, {'start': '166.800', 'end': '170.000', 'text': "bumper repaired. You're not going to"}, {'start': '168.000', 'end': '172.400', 'text': 'believe this. I hit a driver because'}, {'start': '170.000', 'end': '175.360', 'text': 'there was a kangaroo."'}, {'start': '172.400', 'end': '177.519', 'text': 'Yes, a kangaroo on the interstate. More'}, {'start': '175.360', 'end': '180.400', 'text': 'serious though, um I mentioned this a'}, {'start': '177.519', 'end': '182.000', 'text': 'little bit off air. For the longest, we'}, {'start': '180.400', 'end': '183.200', 'text': "were reporting stolen Kia. We haven't"}, {'start': '182.000', 'end': '184.879', 'text': 'heard too much about that in the news'}, {'start': '183.200', 'end': '187.280', 'text': "lately, but a lot of people don't"}, {'start': '184.879', 'end': '190.239', 'text': 'realize you could walk out in your'}, {'start': '187.280', 'end': '193.200', 'text': 'driveway today. Your car could be gone'}, {'start': '190.239', 'end': '195.120', 'text': 'and your insurance policy might not'}, {'start': '193.200', 'end': '196.480', 'text': "cover that. That's right. That Yeah, we"}, {'start': '195.120', 'end': '198.319', 'text': 'talked did talk about it and it depends'}, {'start': '196.480', 'end': '200.400', 'text': 'on the kind of coverage that that you'}, {'start': '198.319', 'end': '203.920', 'text': 'have. Most of the time, people that have'}, {'start': '200.400', 'end': '206.159', 'text': 'a new vehicle, they are going to have'}, {'start': '203.920', 'end': '208.720', 'text': 'collision coverage that covers the'}, {'start': '206.159', 'end': '211.840', 'text': 'damage to or someone stealing your'}, {'start': '208.720', 'end': '214.319', 'text': "vehicle. Um, that's a part of the policy"}, {'start': '211.840', 'end': '215.920', 'text': "that if you, let's fast forward to where"}, {'start': '214.319', 'end': '217.840', 'text': "you've got a car that's paid for and"}, {'start': '215.920', 'end': '219.760', 'text': "it's an older model, a lot of people"}, {'start': '217.840', 'end': '222.000', 'text': "don't keep that coverage on the policy"}, {'start': '219.760', 'end': '226.159', 'text': 'because it becomes very expensive. Um,'}, {'start': '222.000', 'end': '228.159', 'text': 'if you uh finance a car, the the finance'}, {'start': '226.159', 'end': '230.000', 'text': "company's going to, you know, they're"}, {'start': '228.159', 'end': '231.840', 'text': 'going to demand that you have insurance'}, {'start': '230.000', 'end': '233.840', 'text': 'on there to cover, you know, protect'}, {'start': '231.840', 'end': '235.360', 'text': "them. If someone steals a car, they're"}, {'start': '233.840', 'end': '236.640', 'text': "the ones that they're out the money,"}, {'start': '235.360', 'end': '238.000', 'text': "even though you owe it. So, they're"}, {'start': '236.640', 'end': '240.480', 'text': 'going to make sure you have the proper'}, {'start': '238.000', 'end': '242.879', 'text': 'insurance coverage. So, usually you do,'}, {'start': '240.480', 'end': '244.560', 'text': 'but I, you know, as quick as that can'}, {'start': '242.879', 'end': '246.480', 'text': 'happen, before you drive a new car off'}, {'start': '244.560', 'end': '248.959', 'text': 'the lot, make sure those questions are'}, {'start': '246.480', 'end': '250.560', 'text': 'asked and addressed. Um, if you were'}, {'start': '248.959', 'end': '251.840', 'text': 'someone fortunate enough that could just'}, {'start': '250.560', 'end': '253.599', 'text': "write a check for a car, I don't know"}, {'start': '251.840', 'end': '255.280', 'text': 'what that looks like, but if you did'}, {'start': '253.599', 'end': '257.199', 'text': 'that, you know, you want to make sure'}, {'start': '255.280', 'end': '258.880', 'text': "you've got the proper insurance before"}, {'start': '257.199', 'end': '260.799', 'text': 'taking it to your driveway where someone'}, {'start': '258.880', 'end': '264.240', 'text': "might get it. Um, you know, that's just"}, {'start': '260.799', 'end': '265.840', 'text': 'a a hazard that unfortunately sometimes'}, {'start': '264.240', 'end': '267.360', 'text': 'happens. Uh, you know, we see it with'}, {'start': '265.840', 'end': '269.199', 'text': 'different models because apparently'}, {'start': '267.360', 'end': '270.960', 'text': "they're some are easier than others."}, {'start': '269.199', 'end': '272.639', 'text': 'Yeah. To get into, but for the most'}, {'start': '270.960', 'end': '275.120', 'text': 'part, if you check your policy, you'}, {'start': '272.639', 'end': '277.680', 'text': 'should be covered by that. Now the the'}, {'start': '275.120', 'end': '280.800', 'text': "dilemma becomes what's the value of your"}, {'start': '277.680', 'end': '282.479', 'text': 'vehicle? Uh you know the depreciation.'}, {'start': '280.800', 'end': '284.320', 'text': "That's right. You can the what you paid"}, {'start': '282.479', 'end': '286.720', 'text': 'for the car the minute you drive it off'}, {'start': '284.320', 'end': '289.120', 'text': "the lot it's not worth what you paid for"}, {'start': '286.720', 'end': '291.759', 'text': "it anymore. That's just the nature of"}, {'start': '289.120', 'end': '294.880', 'text': "car ownership. Um so even though it's"}, {'start': '291.759', 'end': '297.360', 'text': 'insured u what you paid for it if it'}, {'start': '294.880', 'end': '299.199', 'text': 'gets stolen when you when you leave you'}, {'start': '297.360', 'end': '300.800', 'text': "have one mile on it. It doesn't matter."}, {'start': '299.199', 'end': '302.000', 'text': "it's going to be worth less and the"}, {'start': '300.800', 'end': '304.720', 'text': "insurance company's going to pay you"}, {'start': '302.000', 'end': '306.560', 'text': 'less than what you paid for. Yes. So, a'}, {'start': '304.720', 'end': '308.000', 'text': 'lot of times we get people calling us'}, {'start': '306.560', 'end': '309.600', 'text': "because they're mad about the property"}, {'start': '308.000', 'end': '311.840', 'text': 'damage, which in some cases they should'}, {'start': '309.600', 'end': '314.160', 'text': "be. Uh, I wouldn't I would recommend"}, {'start': '311.840', 'end': '315.680', 'text': 'never accepting the first number that an'}, {'start': '314.160', 'end': '317.600', 'text': 'insurance company offers you on your'}, {'start': '315.680', 'end': '320.320', 'text': "vehicle. Uh, you know, there's some"}, {'start': '317.600', 'end': '322.720', 'text': "there's some back and forth to be done."}, {'start': '320.320', 'end': '325.199', 'text': 'Uh, I always give the advice of check'}, {'start': '322.720', 'end': '326.840', 'text': 'online sites. Uh, they have tons of'}, {'start': '325.199', 'end': '330.160', 'text': 'sites. Yes.'}, {'start': '326.840', 'end': '332.720', 'text': 'nada.com, the kellybluebook.com, carf'}, {'start': '330.160', 'end': '335.039', 'text': 'fox I think is is another one that just'}, {'start': '332.720', 'end': '338.080', 'text': 'to give you some ideas of what the value'}, {'start': '335.039', 'end': '340.400', 'text': 'is of your car uh at the time it was'}, {'start': '338.080', 'end': '342.639', 'text': 'either collided with or stolen uh and'}, {'start': '340.400', 'end': '344.720', 'text': 'you know you know the condition fair,'}, {'start': '342.639', 'end': '346.720', 'text': 'excellent, you know, whatever it might'}, {'start': '344.720', 'end': '348.479', 'text': 'be. Uh those things are very helpful'}, {'start': '346.720', 'end': '349.960', 'text': "when you're trying to negotiate with a"}, {'start': '348.479', 'end': '353.120', 'text': "claim because if there's not a personal"}, {'start': '349.960', 'end': '354.400', 'text': "injury, there's really not much uh we or"}, {'start': '353.120', 'end': '356.320', 'text': 'other lawyers that do personal injury'}, {'start': '354.400', 'end': '358.560', 'text': 'work can do because the laws for'}, {'start': '356.320', 'end': '360.720', 'text': 'property damage alone are very'}, {'start': '358.560', 'end': '363.440', 'text': 'straightforward in our state. They they'}, {'start': '360.720', 'end': '365.600', 'text': 'are very lean heavy toward the the'}, {'start': '363.440', 'end': '366.800', 'text': 'insurance company because they can if it'}, {'start': '365.600', 'end': '368.000', 'text': 'gets to a certain point, they can just'}, {'start': '366.800', 'end': '369.520', 'text': "throw their hands up. Oh, it's totaled"}, {'start': '368.000', 'end': '371.840', 'text': "and we'll pay you a total amount and"}, {'start': '369.520', 'end': '374.639', 'text': "that amount is so low. So yeah, it's"}, {'start': '371.840', 'end': '376.720', 'text': 'always worth a call to ask. Um, but a'}, {'start': '374.639', 'end': '378.720', 'text': 'lot of times I tell people just because'}, {'start': '376.720', 'end': '380.000', 'text': "you know you oh your your pain didn't go"}, {'start': '378.720', 'end': '381.600', 'text': "away. You thought, oh, I'd get rid of"}, {'start': '380.000', 'end': '382.720', 'text': 'this headache or neck or whatever it'}, {'start': '381.600', 'end': '384.080', 'text': "might be. You went doesn't mean you"}, {'start': '382.720', 'end': '386.800', 'text': "didn't have an injury. That's right. And"}, {'start': '384.080', 'end': '388.319', 'text': "and you know you one doesn't cover the"}, {'start': '386.800', 'end': '390.560', 'text': "other, but if you've got if you're"}, {'start': '388.319', 'end': '392.560', 'text': 'upside down in your car by a couple of'}, {'start': '390.560', 'end': '394.160', 'text': 'thousand dollar and you could have made'}, {'start': '392.560', 'end': '396.000', 'text': 'a personal injury claim, you chose not'}, {'start': '394.160', 'end': '397.199', 'text': 'to, but that might have been even though'}, {'start': '396.000', 'end': '398.600', 'text': "they're not related and you're going to"}, {'start': '397.199', 'end': '401.039', 'text': 'walk away with some money for your'}, {'start': '398.600', 'end': '402.720', 'text': 'injuries, it may cover the shortfall in'}, {'start': '401.039', 'end': '404.160', 'text': 'what happened with your car. The'}, {'start': '402.720', 'end': '405.759', 'text': 'insurance companies are never going to'}, {'start': '404.160', 'end': '408.479', 'text': "they're not going to connect the two"}, {'start': '405.759', 'end': '409.840', 'text': 'separate, but just re reality is if'}, {'start': '408.479', 'end': '411.600', 'text': "you're out some money over here and you"}, {'start': '409.840', 'end': '414.080', 'text': 'made some money over here, personally,'}, {'start': '411.600', 'end': '415.680', 'text': "you're going to be made whole. If you"}, {'start': '414.080', 'end': '417.560', 'text': 'have any questions, go ahead and give us'}, {'start': '415.680', 'end': '421.599', 'text': 'a call. That number is'}, {'start': '417.560', 'end': '423.199', 'text': '4209-732. Again, 420 WSFA. We will get'}, {'start': '421.599', 'end': '425.599', 'text': 'to all of your phone calls, kangaroo'}, {'start': '423.199', 'end': '425.599', 'text': 'calls and'}]