You’re in a car accident.

It’s clearly not your fault.

The other driver has insurance.

So why is your insurance company getting involved?

In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral clip featuring a frustrated driver dealing with a “not at fault” accident — and the confusion that followed when the at-fault driver carried low state minimum limits.

video reference: https://www.instagram.com/reel/DMp9WfLgOsD/?igsh=cWxvMm42MjNqZXk2

They unpack:

The difference between collision coverage and underinsured motorist coverage

Why your insurance may step in even when you’re not at fault

How state minimum liability limits create claim complications

What “subrogation” actually means

Why deductibles get reimbursed (and how that process works)

How frequency of claims can impact renewal — even when you didn’t cause the accident

Why claim coding mistakes can follow you for years

The episode also tackles a bigger issue: consumers often hear one side of an insurance story and assume the worst. But as Dennis and Stephanie explain, there are usually three sides — your version, their version, and what actually happened.

If you’ve ever wondered whether filing a claim will raise your rates, get you non-renewed, or hurt your insurance record — this episode is your crash course in understanding how insurance “buckets of money” really work.

📩 Questions or comments?

Email: contact@igwpodcast.com

📞 Call: 817-753-0093

⏱ Chapters

00:00 – Breaking Down a Viral Insurance Clip

01:22 – The “Not At Fault” Accident Story

04:39 – State Minimum Limits & Why It Matters

07:45 – Collision vs Underinsured Motorist Coverage

11:22 – How Claims Get Coded (And Why That’s Important)

14:08 – Claim Frequency & Non-Renewal Concerns

16:25 – Why You Should Push Back During a Claim

20:58 – Negotiating Settlements & Total Loss Valuations

24:16 – Final Thoughts: Ask Questions

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

What does it actually take to insure an event as massive as the Super Bowl?

In this episode of Insurance Gone Wild, Dennis Settle Meyer and Stephanie Lynchoni pull back the curtain on the wild world of large-scale event insurance — using the Super Bowl as the ultimate case study.

Spoiler alert: it’s not just one policy.

From general liability and excess coverage to cyber liability, terrorism coverage, assault and battery endorsements, workers’ compensation, media liability, vendor insurance requirements, and even active shooter coverage, the layers are staggering.

Dennis explains why events of this size require:

Entire teams dedicated solely to insurance documentation

Specialized risk managers coordinating contracts and compliance

Massive liability limits (often in the hundreds of millions)

Vendor certificates and additional insured endorsements

Complex negotiations between venues, leagues, cities, and performers

Stephanie dives into real-world “what if” scenarios:

What happens if fans get into a fight?

Who’s liable if someone is injured in the parking lot?

Does a venue’s insurance change when hosting something like the Super Bowl?

How does workers’ comp work when employees cross state lines?

They also explore how insurance responsibility is transferred through contracts, why assault and battery coverage is critical at large events, and why some entertainment acts are harder to insure than others.

Whether you’re planning a major event, managing risk for a venue, or just curious about the massive insurance machine behind the biggest night in sports, this episode gives you a behind-the-scenes look at how the industry protects billion-dollar spectacles.

📩 Questions or comments?

Email: contact@igwpodcast.com

📞 Call: 817-753-0093

⏱ Chapters

00:00 – Welcome Back & Why We’re Talking About the Super Bowl

04:50 – What Actually Goes Into Insuring a Mega Event

09:45 – Workers’ Comp, Multi-State Issues & Event Staffing

14:48 – Security Risks, Field Intrusions & High-Profile Liability

17:36 – Assault & Battery Coverage Explained

21:20 – Lawsuits, Liability & The Reality of Big Events

23:00 – Entertainment, Concerts & Why Some Acts Are Harder to Insure

26:30 – Final Thoughts & Listener Questions

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

In this episode of Insurance Gone Wild, hosts Dennis and Stephanie break down some of the most misunderstood — and expensive — areas of health and dental insurance.

If you’ve ever been confused about HSA vs FSA rules, wondered why doctors push year-end spending, or been shocked by a dental insurance max benefit, this episode is for you.

Dennis and Stephanie explain:

Why FSAs are truly “use it or lose it” while HSAs work very differently

How deductibles and max out-of-pocket resets can impact major medical decisions

What global billing means for pregnancy and childbirth — and why it matters

Why dental insurance doesn’t work like medical insurance (and when it does make sense)

How in-network vs out-of-network dental providers can quietly slash your benefits

When dental discount programs may beat traditional insurance

They also share real-world stories, including surprise dental bills, employer plan pitfalls, and why your dentist might catch serious health issues long before anyone else.

Whether you’re planning a pregnancy, trying to maximize benefits before renewal, or questioning if dental insurance is even worth it, this episode helps you make smarter, more informed decisions — without the insurance jargon.

📩 Have questions or strong opinions?

Email: contact@igwpodcast.com

📞 Call: 817-753-0093

⏱ Chapters

00:00 – Welcome to Insurance Gone Wild

00:34 – HSA vs FSA: End-of-Year Rules You Can’t Ignore

02:29 – Deductibles, Max Out-of-Pocket & Timing Medical Care

05:24 – Pregnancy, Global Billing & How It’s Supposed to Work

09:53 – Childbirth Billing Horror Stories (and Coding Mistakes)

12:39 – Dental Emergencies & Real-World Insurance Frustrations

18:06 – Dental Insurance Explained: Max Benefit vs Max Out-of-Pocket

23:19 – In-Network vs Out-of-Network Dental Traps

28:01 – Final Thoughts, Listener Feedback & How to Reach the Show

Email: Contact@IGWpodcast.com

Facebook: https://www.facebook.com/InsuranceGoneWild

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093