Ask the Attorney: Part 2
WSFA 12 News
[{'start': '0.240', 'end': '2.879', 'text': "We're back with our Ask the Attorney"}, {'start': '1.600', 'end': '4.560', 'text': 'segment. Personal injury attorney'}, {'start': '2.879', 'end': '6.240', 'text': 'Steuart Vance from the Vance Law Firm in'}, {'start': '4.560', 'end': '8.000', 'text': 'the studio ready to answer your legal'}, {'start': '6.240', 'end': '11.040', 'text': 'questions. We are past spring break'}, {'start': '8.000', 'end': '12.880', 'text': 'time. We are heading towards summer. A'}, {'start': '11.040', 'end': '14.280', 'text': 'lot of people will be making those'}, {'start': '12.880', 'end': '16.960', 'text': 'trips, booking'}, {'start': '14.280', 'end': '18.640', 'text': 'Airbnbs, boats, all of the things. You'}, {'start': '16.960', 'end': '20.960', 'text': 'talked about a slip and fall case you'}, {'start': '18.640', 'end': '23.279', 'text': 'have recently, right? Are things'}, {'start': '20.960', 'end': '25.439', 'text': 'different when you maybe book a vacation'}, {'start': '23.279', 'end': '28.160', 'text': 'at an Airbnb, when you book with a'}, {'start': '25.439', 'end': '30.800', 'text': 'family member? How does that work? Yes,'}, {'start': '28.160', 'end': '33.600', 'text': 'they can be. and and with everybody'}, {'start': '30.800', 'end': '35.920', 'text': 'having phones at their disposal, you'}, {'start': '33.600', 'end': '37.760', 'text': "can't take enough pictures. Um, one"}, {'start': '35.920', 'end': '40.719', 'text': 'comes to mind last summer or maybe the'}, {'start': '37.760', 'end': '43.280', 'text': 'summer before, a family was at an Airbnb'}, {'start': '40.719', 'end': '46.320', 'text': 'at the at the beach and a a swing'}, {'start': '43.280', 'end': '47.840', 'text': 'collapsed. Um, and so, you know, the'}, {'start': '46.320', 'end': '49.280', 'text': 'homeowner was saying, "Well, you you'}, {'start': '47.840', 'end': '51.440', 'text': 'know, either too much weight or too many'}, {'start': '49.280', 'end': '53.440', 'text': 'people or something." and they had'}, {'start': '51.440', 'end': '55.760', 'text': 'photographs and the photographs made the'}, {'start': '53.440', 'end': '56.960', 'text': 'difference of did the insurance company'}, {'start': '55.760', 'end': '59.039', 'text': 'step up and do what they should have'}, {'start': '56.960', 'end': '60.800', 'text': 'done or did they keep keep fighting it'}, {'start': '59.039', 'end': '63.440', 'text': 'is because they took some photographs of'}, {'start': '60.800', 'end': '66.080', 'text': 'the family, you know, using the what was'}, {'start': '63.440', 'end': '69.119', 'text': 'provided by the homeowner and apparently'}, {'start': '66.080', 'end': '71.280', 'text': 'it it was in poor repair that caused the'}, {'start': '69.119', 'end': '73.200', 'text': 'the swing to fall and and injure'}, {'start': '71.280', 'end': '75.280', 'text': "someone. So, yeah, that's just a one"}, {'start': '73.200', 'end': '77.360', 'text': 'that popped in my head recently. Uh but'}, {'start': '75.280', 'end': '80.159', 'text': "yes, always, you know, when you're doing"}, {'start': '77.360', 'end': '81.680', 'text': 'the the contracts online, you know, I'}, {'start': '80.159', 'end': '83.759', 'text': 'have seen that a lot of times the'}, {'start': '81.680', 'end': '85.439', 'text': 'photographs that you see may not'}, {'start': '83.759', 'end': '87.759', 'text': 'actually be what you find when you get'}, {'start': '85.439', 'end': '89.119', 'text': 'to the location. So, uh you know, if'}, {'start': '87.759', 'end': '91.200', 'text': "that's the case, we get a lot of"}, {'start': '89.119', 'end': '92.720', 'text': 'complaints about that. Uh take your own'}, {'start': '91.200', 'end': '95.360', 'text': 'photographs. Then if you have to down'}, {'start': '92.720', 'end': '97.920', 'text': "the road, you're comparing what was put"}, {'start': '95.360', 'end': '100.000', 'text': 'out there in the in the media or out in'}, {'start': '97.920', 'end': '102.720', 'text': 'the um you know, in the world web. Yeah.'}, {'start': '100.000', 'end': '105.040', 'text': 'To to show. And then what you find if'}, {'start': '102.720', 'end': '106.560', 'text': "they're that drastically different um"}, {'start': '105.040', 'end': '108.159', 'text': "you know someone's trying to keep your"}, {'start': '106.560', 'end': '110.880', 'text': 'deposit or whatever it might be what the'}, {'start': '108.159', 'end': '114.000', 'text': 'argument may be about uh photographs can'}, {'start': '110.880', 'end': '116.240', 'text': 'always help. So traveling uh renting'}, {'start': '114.000', 'end': '118.640', 'text': 'from different facilities, purchasing'}, {'start': '116.240', 'end': '121.119', 'text': 'different things online or offline.'}, {'start': '118.640', 'end': '123.040', 'text': 'Photographs can tell the story so often.'}, {'start': '121.119', 'end': '124.560', 'text': 'I hope people take that to heart and'}, {'start': '123.040', 'end': '126.880', 'text': "always take more photographs. I've seen"}, {'start': '124.560', 'end': '128.560', 'text': "a few stories um not recently, it's a"}, {'start': '126.880', 'end': '130.319', 'text': 'couple of years now of people getting'}, {'start': '128.560', 'end': '132.480', 'text': "scammed. They'll book a location and it"}, {'start': '130.319', 'end': '134.400', 'text': "doesn't even exist and they paid a"}, {'start': '132.480', 'end': '137.440', 'text': "deposit, they've paid money and now"}, {'start': '134.400', 'end': '139.920', 'text': "they're out of all of this money. Is"}, {'start': '137.440', 'end': '142.000', 'text': 'there any way people can get their money'}, {'start': '139.920', 'end': '144.239', 'text': 'back? Are there any claims and'}, {'start': '142.000', 'end': '145.440', 'text': 'situations like that? Yeah, it comes to'}, {'start': '144.239', 'end': '147.440', 'text': 'mind is, you know, we talked about'}, {'start': '145.440', 'end': '150.480', 'text': 'before travel insurance or insurance on'}, {'start': '147.440', 'end': '151.840', 'text': 'the website. Always I would say first'}, {'start': '150.480', 'end': '154.239', 'text': "order of business, make sure it's a"}, {'start': '151.840', 'end': '156.319', 'text': 'reputable website. Uh because, you know,'}, {'start': '154.239', 'end': '158.480', 'text': 'sort of like with Rental Rides or, you'}, {'start': '156.319', 'end': '160.959', 'text': 'know, Uber and Lyft and those places,'}, {'start': '158.480', 'end': '162.560', 'text': 'they have insurance requirements. Now,'}, {'start': '160.959', 'end': '164.400', 'text': 'when they first started, there were'}, {'start': '162.560', 'end': '166.480', 'text': 'bigger fights with those things because'}, {'start': '164.400', 'end': '168.560', 'text': "they didn't have the proper, in my"}, {'start': '166.480', 'end': '170.080', 'text': 'opinion, the insurance policy that they'}, {'start': '168.560', 'end': '172.640', 'text': 'should have had. Same thing with with'}, {'start': '170.080', 'end': '174.879', 'text': "renting a place to stay. Make sure it's"}, {'start': '172.640', 'end': '176.720', 'text': 'a reput reputable site. Um, you know,'}, {'start': '174.879', 'end': '178.000', 'text': 'word of mouth can mean a big difference'}, {'start': '176.720', 'end': '180.080', 'text': "if you've got a neighbor, friend,"}, {'start': '178.000', 'end': '181.599', 'text': 'relative travels every single summer.'}, {'start': '180.080', 'end': '183.040', 'text': 'Ask them, hey, who are you booking with?'}, {'start': '181.599', 'end': '184.640', 'text': 'Yeah. Or, hey, if you find any that you'}, {'start': '183.040', 'end': '187.519', 'text': 'really love because a lot of people go'}, {'start': '184.640', 'end': '189.360', 'text': "to the same locations, uh, I'd say like"}, {'start': '187.519', 'end': '192.000', 'text': "to to let's say to Gulf Shores here at"}, {'start': '189.360', 'end': '193.519', 'text': 'our Alabama beaches and have stayed at'}, {'start': '192.000', 'end': '195.040', 'text': 'different places on the beach, off the'}, {'start': '193.519', 'end': '196.480', 'text': 'beach, whatever it might be. You know,'}, {'start': '195.040', 'end': '199.440', 'text': 'word of mouth is great. Hey, we found'}, {'start': '196.480', 'end': '200.640', 'text': 'this great location we love and share'}, {'start': '199.440', 'end': '202.159', 'text': "that with. Here's the link. That's"}, {'start': '200.640', 'end': '203.920', 'text': 'right. You can book with them too.'}, {'start': '202.159', 'end': '205.959', 'text': "Exactly. That's the best way to do it."}, {'start': '203.920', 'end': '208.480', 'text': 'But you know, you can plan for'}, {'start': '205.959', 'end': '210.080', 'text': 'everything. I I make that as a joke. You'}, {'start': '208.480', 'end': '211.680', 'text': 'you can plan what you think can be'}, {'start': '210.080', 'end': '214.400', 'text': 'everything and something could always'}, {'start': '211.680', 'end': '216.239', 'text': 'pop up. So, which is why we have a job.'}, {'start': '214.400', 'end': '217.840', 'text': "And so, please call us if if it's"}, {'start': '216.239', 'end': '219.440', 'text': "something doesn't seem like it should."}, {'start': '217.840', 'end': '221.360', 'text': 'We can at least walk you through what'}, {'start': '219.440', 'end': '223.040', 'text': 'your options may be. I know too when it'}, {'start': '221.360', 'end': '226.319', 'text': 'comes to beaches a lot of people will'}, {'start': '223.040', 'end': '227.920', 'text': 'rent pontoon boats, get on jet skis and'}, {'start': '226.319', 'end': '230.799', 'text': 'sometimes do things for the first time'}, {'start': '227.920', 'end': '233.920', 'text': "or maybe the second or third but they're"}, {'start': '230.799', 'end': '236.720', 'text': 'not experts right at it. Are the'}, {'start': '233.920', 'end': '239.280', 'text': 'waterways different from the roadways'}, {'start': '236.720', 'end': '242.319', 'text': 'when it comes to the loss? Yes, but they'}, {'start': '239.280', 'end': '244.959', 'text': 'they act similarly like so uh you know'}, {'start': '242.319', 'end': '248.720', 'text': 'the same type of liability issues injury'}, {'start': '244.959', 'end': '251.120', 'text': 'law does apply to maritime or water'}, {'start': '248.720', 'end': '255.120', 'text': 'waterways. Now I say that if you travel'}, {'start': '251.120', 'end': '257.359', 'text': 'outside of the US you now are doing away'}, {'start': '255.120', 'end': '259.519', 'text': 'with that because you know you may have'}, {'start': '257.359', 'end': '261.759', 'text': 'uh you know I and what things come to'}, {'start': '259.519', 'end': '264.000', 'text': 'mind parasailing you know the boats that'}, {'start': '261.759', 'end': '266.560', 'text': 'pull the people up on the parachutes it'}, {'start': '264.000', 'end': '268.720', 'text': 'scares would scare me to death. Um if'}, {'start': '266.560', 'end': '271.040', 'text': 'you do that in you know on our Gulf'}, {'start': '268.720', 'end': '272.800', 'text': 'Coast those are going to have some type'}, {'start': '271.040', 'end': '274.639', 'text': 'of insurance available. If something'}, {'start': '272.800', 'end': '277.919', 'text': "horrible happened there's going to be"}, {'start': '274.639', 'end': '280.000', 'text': 'some coverage. um if you go over to'}, {'start': '277.919', 'end': '282.000', 'text': 'another country, their laws are not the'}, {'start': '280.000', 'end': '283.600', 'text': "same. So if you did it here and oh, I've"}, {'start': '282.000', 'end': '285.520', 'text': 'done it before and you go do it again'}, {'start': '283.600', 'end': '287.199', 'text': "and something went wrong, they're not"}, {'start': '285.520', 'end': '289.759', 'text': 'going to have the same required'}, {'start': '287.199', 'end': '291.280', 'text': 'insurance uh levels that we do in the'}, {'start': '289.759', 'end': '292.560', 'text': 'US. So just something to think about'}, {'start': '291.280', 'end': '295.280', 'text': "when you're traveling, if you travel"}, {'start': '292.560', 'end': '297.199', 'text': "abroad, um or if you're taking part in"}, {'start': '295.280', 'end': '298.880', 'text': 'those activities, make sure your'}, {'start': '297.199', 'end': '300.639', 'text': 'insurance is up to date because it can'}, {'start': '298.880', 'end': '302.000', 'text': 'follow you and be helpful. But also,'}, {'start': '300.639', 'end': '303.360', 'text': "that's a fair question to ask the other"}, {'start': '302.000', 'end': '305.360', 'text': 'side. Do you guys have insurance before'}, {'start': '303.360', 'end': '307.039', 'text': "I sign this waiver? because they're"}, {'start': '305.360', 'end': '310.320', 'text': 'going to make you sign a waiver, right?'}, {'start': '307.039', 'end': '311.919', 'text': 'And although waivers can be a deterrent,'}, {'start': '310.320', 'end': '313.680', 'text': "they're not an end all beall because"}, {'start': '311.919', 'end': '316.320', 'text': 'what we have found, I have seen over the'}, {'start': '313.680', 'end': '318.400', 'text': "years is what you're signing and what"}, {'start': '316.320', 'end': '320.160', 'text': 'you actually were presented with may not'}, {'start': '318.400', 'end': '321.919', 'text': "be the same thing. So, you know, they're"}, {'start': '320.160', 'end': '323.680', 'text': 'representing a contract. They they'}, {'start': '321.919', 'end': '325.120', 'text': 'agreed to something and you agreed to'}, {'start': '323.680', 'end': '326.880', 'text': "something. That's right. But what they"}, {'start': '325.120', 'end': '328.560', 'text': 'what I have seen in the past is what'}, {'start': '326.880', 'end': '330.560', 'text': "they say they're agreeing to is not"}, {'start': '328.560', 'end': '332.240', 'text': 'really what you found. You know, the'}, {'start': '330.560', 'end': '333.520', 'text': 'poor condition of the equipment or poor'}, {'start': '332.240', 'end': '336.160', 'text': 'condition of the boat or whatever it'}, {'start': '333.520', 'end': '339.120', 'text': 'might be. So just because you sign'}, {'start': '336.160', 'end': '340.639', 'text': 'something, it it may prevent you from'}, {'start': '339.120', 'end': '342.560', 'text': "recovering, but it's worth a phone call"}, {'start': '340.639', 'end': '344.800', 'text': "because we have seen I I've seen more"}, {'start': '342.560', 'end': '347.120', 'text': 'times than not there is a claim that is'}, {'start': '344.800', 'end': '349.039', 'text': 'viable even though you signed uh what'}, {'start': '347.120', 'end': '350.400', 'text': 'should have deterred you from making a'}, {'start': '349.039', 'end': '351.600', 'text': 'claim. You mentioned that phone call.'}, {'start': '350.400', 'end': '353.039', 'text': 'How can people get in touch with you?'}, {'start': '351.600', 'end': '353.960', 'text': "Yeah, it's as easy as dialing three for"}, {'start': '353.039', 'end': '358.000', 'text': 'me.'}, {'start': '353.960', 'end': '359.440', 'text': '3333 or the vancelawfirm.com or wsfa.com'}, {'start': '358.000', 'end': '361.199', 'text': 'and we can try to get to your questions'}, {'start': '359.440', 'end': '362.400', 'text': 'online on Thursdays. All right, Stuart,'}, {'start': '361.199', 'end': '364.000', 'text': 'as always, thanks so much for joining us'}, {'start': '362.400', 'end': '366.479', 'text': 'here on Alabama Live. Appreciate it.'}, {'start': '364.000', 'end': '366.479', 'text': 'Always good to see'}]