Most business owners think they’re covered… until they’re not.
In this episode of Insurance Gone Wild, Dennis and Stephanie pull back the curtain on the wild world of commercial insurance—and yeah… it’s worse than you think.
We’re talking:
A jiu-jitsu gym classified as a building materials dealer (??)
A 24-hour restaurant with zero liquor liability
Claims that were approved… then mysteriously “disappeared”
And business owners paying for policies that basically protect… nothing
The scary part?
None of these people knew anything was wrong.
This episode is part horror story, part masterclass—breaking down how bad classifications, lazy agents, and blind trust can cost you everything.
And if you’re a business owner thinking “that would never happen to me”…
you might want to double-check your policy after this one.
⏱️ Chapters
00:00 – “Is Insurance… Insured?” (Welcome to the Chaos)
00:05:34 – The Restaurant That Had Coverage… But Not Really
00:10:19 – The $94K Claim That Got Buried (Yes, Seriously)
00:17:18 – Why You Can’t Just Trust Your Agent
00:24:42 – When Cheap Insurance Gets Very Expensive
Email: Contact@IGWpodcast.com
Facebook: https://www.facebook.com/InsuranceGoneWild
Get a Quote!
Panatela Group: https://panatelagroup.com/
Call: 817-753-0093

What do a comedian, a fake deer accident, and a totaled car have in common?

Apparently… a masterclass in what not to do with your insurance claim.

In this episode of Insurance Gone Wild, Dennis and Stephanie break down a viral comedy bit that raises a very real question:

👉 Could you actually fool an insurance company with a “creative” claim?

From staged deer collisions (yes… involving venison 😳) to real-life stories of swerving for animals and totaling cars, this episode walks the fine line between hilarious and highly illegal.

Along the way, you’ll learn:

Why insurance companies care more about what you hit than why you swerved

The difference between comprehensive vs. collision coverage (and why it matters more than you think)

What a “phantom vehicle” is—and why it rarely works in your favor

And why honesty in a claim might save you a LOT more than a clever story ever could

Bottom line:

It might sound genius… until it turns into fraud.

🎧 Hit play for laughs, real talk, and the kind of insurance advice you didn’t know you needed.

⏱️ Chapters

00:00 – Lighting Problems & Studio Chaos

00:02:29 – The Viral “Fake Deer” Insurance Story

00:05:35 – Swerving vs. Hitting: What Insurance Actually Wants

00:09:36 – Phantom Vehicles & Who’s Really at Fault

00:18:40 – Fraud Stories That (Shockingly) Got Paid

00:24:34 – Commercials, Confusion & Classic Banter

Email: Contact@IGWpodcast.com

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

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093

Life insurance gets misunderstood… a LOT.

In this episode of Insurance Gone Wild, Dennis and Stephanie break down why life insurance isn’t about “getting rich when someone dies”… and why that mindset is completely missing the point.

From the classic “buy term and invest the rest” debate to the controversial topic of life insurance for kids, this episode tackles the real questions people ask—but don’t always understand.

They dig into:

Why life insurance is actually the most important policy you can have

The truth about term vs permanent insurance

Why most people fail at “invest the rest”

How life insurance can be used for retirement (LIRP strategy)

And the uncomfortable—but important—conversation around protecting your family financially

This one isn’t just about policies… it’s about peace of mind, discipline, and making sure your family isn’t left scrambling.

👉 Bottom line: Life insurance isn’t about death. It’s about what happens to the people you leave behind.

📞 Have questions? Reach out to the team and build a strategy that actually fits your life.

⏱️ Chapters

00:00:00 – The Most Important Insurance (And Why People Avoid It)

00:02:21 – Biggest Life Insurance Misconceptions

00:07:39 – Term vs Permanent: What Actually Matters

00:13:58 – Life Insurance for Kids (The Most Misunderstood Strategy)

00:18:31 – The Reality of Loss & Financial Stress

00:20:48 – Using Life Insurance for Retirement (LIRP Explained)

00:22:48 – So… Which Policy Should You Choose?

Email: Contact@IGWpodcast.com

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

Get a Quote!

Panatela Group: https://panatelagroup.com/

Call: 817-753-0093