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Here’s Your Company Car (It’s Yours)
Welcome back to Insurance Gone Wild—the show where we won’t fix the insurance industry, but we will absolutely roast it while helping you avoid accidentally bankrupting yourself. This week we tackle the Great Company Vehicle Mirage (“We’ll give you a $500 allowance—just use your car 🙂”), why that “sweet deal” can implode if you don’t ask your carrier the right questions, and how Non-Owned Auto Coverage (Symbol 9) protects your employer (not you, champ). We break down business-use vs. personal policies for realtors, agents, foremen, and trades, when a personal policy might say “LOL nope,” why companies love allowances more than fleets, and the legal circus where lawyers sue everyone with a pulse. You’ll also hear the infamous pee-break truck-rolls-into-a-house claim, a subcontractor vs. clearly marked gas line drama, and the trailer-full-of-tools tale that ended a business—plus a detour into curling-iron warning labels because of course. Bottom line: ask questions, disclose changes, and get the coverage that actually covers you—because our two immutable laws still apply: It depends and Insurance sucks.
Chapters
0:00:00 “Welcome Back to Insurance Group Therapy”
0:00:26 Stephanie Has Seen Dennis Too Much Today (Send Thoughts & Prayers)
0:01:11 The Big Beautiful Hot Mess That Is Congress + Insurance News
0:01:48 Our Two Laws of Insurance: It Depends & Insurance Sucks
0:02:57 So Your Job Makes You Drive Everywhere… Let’s Talk.
0:04:03 Business Use vs. Personal Use: The Code Words That Matter
0:06:22 Introducing: Non-Owned Auto Coverage (Symbol 9) AKA “Your Company Protects Themselves, Not You”
0:10:44 Why Companies Give You a Car Allowance (Spoiler: It’s Cheap, Not Smart)
0:12:26 The “I Just Stopped to Pee and My Truck Rolled Into a House” Story
0:14:49 Lawyers: They Will Sue Everyone Including Your Dog
0:18:44 Daycares, Subcontractors, Deliveries & Liability Dominoes
0:23:21 Curling Iron Warning Labels & Society Decline (A Brief Intermission)
0:24:47 Gas Line Meets Backhoe: The Construction Claim Case Study
0:27:52 The “Trailer Full of Tools” Business Ender (RIP to That Company)
0:30:08 Wrap Up + Send Us Your Dumb, Wild, Brilliant Insurance Questions
—
If you have questions, comments, concerns, strong opinions, or spicy rude remarks (we welcome those):
📞 817-753-0093
We’ll answer your insurance questions whether or not you ever give us a dime.
Because we genuinely care.
…And also because we like being right.
Email: [email protected]
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093
View all episodes
By Insurance Gone WildWelcome back to Insurance Gone Wild—the show where we won’t fix the insurance industry, but we will absolutely roast it while helping you avoid accidentally bankrupting yourself. This week we tackle the Great Company Vehicle Mirage (“We’ll give you a $500 allowance—just use your car 🙂”), why that “sweet deal” can implode if you don’t ask your carrier the right questions, and how Non-Owned Auto Coverage (Symbol 9) protects your employer (not you, champ). We break down business-use vs. personal policies for realtors, agents, foremen, and trades, when a personal policy might say “LOL nope,” why companies love allowances more than fleets, and the legal circus where lawyers sue everyone with a pulse. You’ll also hear the infamous pee-break truck-rolls-into-a-house claim, a subcontractor vs. clearly marked gas line drama, and the trailer-full-of-tools tale that ended a business—plus a detour into curling-iron warning labels because of course. Bottom line: ask questions, disclose changes, and get the coverage that actually covers you—because our two immutable laws still apply: It depends and Insurance sucks.
Chapters
0:00:00 “Welcome Back to Insurance Group Therapy”
0:00:26 Stephanie Has Seen Dennis Too Much Today (Send Thoughts & Prayers)
0:01:11 The Big Beautiful Hot Mess That Is Congress + Insurance News
0:01:48 Our Two Laws of Insurance: It Depends & Insurance Sucks
0:02:57 So Your Job Makes You Drive Everywhere… Let’s Talk.
0:04:03 Business Use vs. Personal Use: The Code Words That Matter
0:06:22 Introducing: Non-Owned Auto Coverage (Symbol 9) AKA “Your Company Protects Themselves, Not You”
0:10:44 Why Companies Give You a Car Allowance (Spoiler: It’s Cheap, Not Smart)
0:12:26 The “I Just Stopped to Pee and My Truck Rolled Into a House” Story
0:14:49 Lawyers: They Will Sue Everyone Including Your Dog
0:18:44 Daycares, Subcontractors, Deliveries & Liability Dominoes
0:23:21 Curling Iron Warning Labels & Society Decline (A Brief Intermission)
0:24:47 Gas Line Meets Backhoe: The Construction Claim Case Study
0:27:52 The “Trailer Full of Tools” Business Ender (RIP to That Company)
0:30:08 Wrap Up + Send Us Your Dumb, Wild, Brilliant Insurance Questions
—
If you have questions, comments, concerns, strong opinions, or spicy rude remarks (we welcome those):
📞 817-753-0093
We’ll answer your insurance questions whether or not you ever give us a dime.
Because we genuinely care.
…And also because we like being right.
Email: [email protected]
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093