Insurance Related Questions - Rabbi Yakov Zev Smith

[Music] welcome everyone to today's shift from our viacom that's michelita on insurance related questions i'm the assistant sponsor of called against your attire at 718-851-8651 someone's car was damaged and the story was that alpitora there wasn't a gift to pay it was a grammar maybe a cotton did it whatever the case is his car was damaged heavily damaged but there was no pitara but he wanted to know is he allowed to sue the other person because but the other person had insurance are you allowed to make an insurance claim which i'll be third there's no here but according to insurance regulations is a perfectly legitimate claim they'll pay for it of course the question becomes a little more complicated when he has to go to court you allow to sue in court so as we'll see we'll have probably over a dozen questions regarding to insurance claims but i think as our derek hoises try to find one you say how do we understand how does allah look at insurance you know it's interesting a person could have a big loss and insurance pays a loss now anybody who's intelligent knows they're not doing a kesset insurance companies a multi-million dollar business they're making plenty of money on this husted basically a first people thousands and hundreds of thousands of people invest the premiums monthly yearly whatever it is and basically if there's a need they will pay the losses but basically it's the money that you invest they pay you when you need it so now the question is when a person has a damage and they pay is that a form of a payment instead of the magic that paying the insurance pays or which is more logical the magic did hezek but it's my insurance that i've been investing all these years i'm paying the premium maybe it's my investment i've been paying premiums and they're willing to pay for the loss now let me give you a question that i think will is extremely negaya but will very much crystallize our question this is what's known as double compensation or double dipping but all the same idea now let's i don't want everybody to be confused i'd like to keep things simple we're going to talk about one case and instead of saying reuven and chipman because people forget who's ruvain and who's shimin we're going to stay with mazak and isaac marzik and izuka but he knows and if you do forget for a moment so nizik and nebucha the one that never got damaged he's the nizik so it's magic and isik let's talk about a simple case magic damaged nizik's house big damages magic has no insurance you know we'll soon see when a person drives a car he has to have liability insurance but a person that makes a fire doesn't have to have insurance so the nizik lost thousands of dollars and now the only alternative is that the nizik will claim his insurance he has fire insurance so he does that he's paying all these years he might as well collect so but the music turns to the mouth says rap magic you're you made it to a mishnah our brothers nazikan you burnt my house and you have to pay so the magic is a major mem and he says listen i happen to know for a fact that you have a lot of fire insurance in fact i'm your insurance broker and i know that you could probably make more money than you lost so you're getting paid what do you want from me take the insurance and leave me alone and then isaac snaps back you are magic other my magic market me shall mana you pay i invested all these years i've been paying insurance premium all these years i'm finally making some money my investment what do you want from me you know some people almost wait they should have damages i should collect some money but certainly i paid and i deserve the money this is what's called double compensation or double dipping in other words i want the magic to pay because macadamia salmanna but then again i made investment i've been paying all these years premium so let me collect let me make a few dollars i'm not going to bake make back all the premiums from all the years so the question is that legitimate the nz will walk out with double his loss now biessa b or biyasi let me ask you this question let's say masik burned down nizik's house same story nizik happens to have a very wealthy uncle and uncle says i heard you had a terrible loss i'm sending you a check for the loss and he does is there any suffix in the world that magic still has to pay per state sir i got a president my uncle what's have to do with you so i got a president you have to pay now the question is if it's not a present for my uncle but if it's an insurance payment do we say that's the mukha in the payment so magic is off the hook or what i mean it's not a payment for the magic it's my insurance i'll give you another example again that will crystallize it even more let's say nice and sahaja grad someone had a very expensive becca and he gave it to hashem athena to watch he trusted him the shambhala is a nervous fellow so he took out insurance you could do insurance whatever you want they got insurance on the bach that he was watching and the becca was stolen so the shay mckinnon claims insurance because he had a legitimate insurance he gets paid a half a million dollars for the bethlehem the owner of the banker comes running so what's going on here you're making money am i better that's the payment my backup wait a minute you didn't take out insurance you made me assimilate in atari your partner tom potter what do you care if i make money so how do you look at that is it a payment is an investment today you could take insurance someone else's life why can't i take insurance on a better it's not mine so we have to find out how the terror views the understanding of insurance and then we can apply it to many shilas so approximately 150 years ago there was a one of the daily oil and his times the hare basamum and tanyana sim and reishmam hey he had mamish always shiloh of double compensation a neighbor was a magic and burned down the nizik's house not a map amazing but it was a pashia so the nizik of course had a fire insurance and then he told the magic adam amazik there's an ace the massacre base you have to pay and then and the mazdak said and shuldik you got insurance payment leave me alone in fact he said there's not even a loss because you got payment so here's the question is you have a good tainan so zak tahari basamin this is a mishna and the gamora and bhava kama but here you'll see the nitrius of toyo how everything is in our torah the mishna has the following story two donkeys were drowning don't ask me why but that's the story two donkeys were drowning one was much more valuable on the other it seemed that the owner of the less valuable donkey was able to save one of the donkeys the other one couldn't do any couldn't save any donkey but the owner of the less valuable donkey could save one donkey so the owner of the valuable donkey made a husband he said you know what you save my donkey and i'll i your donkey will drown i'll pay you for your donkey here xander never said anna you just save mine and i'll pay for yours they'll both be happy because i can't save any and he jumped in and he saved the valuable dunking and he comes out by gila mifas the less valuable donkey survived so now we have the valuable donkey and his donkey so he turns to the owner of the valuable donkey and says okay pay me you promise you're going to pay me for my donkey so the ma so the other person said what do you mean your donkey's right here what do i have to pay you there's no headache but you said you're going to pay me that's the gemara's love in koftas the one that jumped in could say listen i did the job that you told me to do and i deserve payment i i have my own donkey as well that's a windfall that's a my tournament of shamayim i did what i was supposed to what do you give i get money now this is a plea because you're getting money for what for being damaged your donkey wasn't damaged sucked to hurry up it seems from here that getting paid is laughed after when there's a loss even if there's no laws you did what you have to do you get paid suck to hurry person i'm here too you damage my house you burn my house you have to pay i i don't have a loss a beautiful demon had he stopped there i think it would be wonderful but then he takes an interesting turn and he says no it's not a it's not a rally because when the donkey was drowning and supposed to drown it's considered offered it's considered loss a lost item this payment but a house that has insurance on it even if it burns to the ground it's not a loss if there's no loss there's no magic if there's no magic there's no payment and he brings has another timer and he says something again you could argue with this but this is what he says if you notice and he proves from six different sources i incheon that only works when something happens minus like the donkey somehow was miraculously saved or other cases that he pro quotes in the gomura but here it's very different here the owner of the house did i made a clever move and took out insurance that's not mr mcmurlin you took out insurance so claim your insurance but listen to this that's the clincher he says you know what the embassy is the mazda turns to the nizik and says minas that i damaged the house of a clever investor who took out fire insurance so i thank you for your insurance and leave me alone and he walks away minnesota goes on me the magic you took out insurance claim your insurance leave me alone and but this point where i think is as he says it at the end because in every case there's a magic and you have to pay the hezek here there's no hazard because you have insurance your house is insured and that's his main point by a fire insurance it's as if there's no hazard to the owner of the house it does add but of course if the insurance doesn't compensate the full loss let's say they're only 75 percent so of course you have to make up the difference but if they in fact compensate the full loss then the nis the mazda could walk out and say and i am absolved of any responsibilities now i asked you doesn't this give us clear guidance in what the uptight of a insurance policy is it's a payment for the headache so therefore rightfully so the magic says rap nizik you got paid leave me alone i don't you don't get paid twice at can divrei horizon however if you think about it objectively there's a very very big mockable chalic because if anything it's punk faker if something happens it's not so passionate i could say listen the varsity did it they have to leave me alone but that's the kiddish but let's say i made a wise investment coach gain and calva koimo we could say minister i mean i made a wise investment which means that besides the magic paying i want to get insurance claims also so what's wrong with saying pay me twice that i didn't do i get credit cards getting something i did do i should get credit so you have to pay a minute and that is the time of the ursa mayak now typically the earth summit is perishing on the rambam kaya dua but in peroxian or loch al if he has a shy lanchuvas nishalti and he has mammish our question of double payment where a tenant accepted responsibility for the house the house burned down and the mazda dinizik the landlord had fire insurance but he says tenant you accept the responsibility to pay please pay the tenant says but you have fire insurance why should i pay zaktiya samaya of course he didn't see the hurricane summit he says i have a beference of zion that even though there's no headache but you have to pay me because so he's taking the same gemara and he's saying that the nizik the homeowner could say mr ahmed i why am i paying you if there's no damage that's tomorrow above a kamakura zion because he didn't wait he didn't lose his donkey but he gets paid so here also i didn't lose my house but i get insurance claims because it's my investment we're gonna get there we're gonna get that i'm gonna get that hold up this is what he says and therefore he has other eyes i in some but he concludes emphatically even though you might argue on the rise but had in the borough that the soy has to pay even though the homeowner will be collecting insurance as well so darsamer is passing a double dipping in fact is acceptable about double compensation he goes also with uriah but i think what's for us important to hear he says you know we don't need riots dr marshall he says you were massive you have to pay if the balabas will be marvel because he took out insurance why is that your business was gait he made an investment with the insurance policy that's none of your business magic magic you're a mazda you have to pay i he's going to claim from his insurance policy whoever shall miss her that's an investment that's like you invest in the stock market it goes up so you can't take my money this is my investment i've been paying good money for this valerius who shall abayas who suffer a new magic burn my house down the magic will gain because i have a fire insurance i've been paying premium for 20 years and the house burns down he has to he says leave me alone because you have your investment it doesn't make a bit of sense that you could part to yourself because of his investment so what i saw for the marsham is he is clearly labeling and identifying that insurance is an investment it's not a payment for the headache it's an investment and i want to mention one of the time is that he does bring and he throws it in but it's extremely important there's a well-known mishna we learned that above him at sea alarm but hey the famous case in in in in bravo museum if someone rents a para mirjavery he's paying money so he's partner in in many instances and during the time of skirus he lends it he loaned it to someone else now the other someone else is a connection light and they got damaged so logic will say well the cycle has put on the damage because it was let's say an inus but this but the soil colonoscopy has to pay so does it cheat in the mishnah that believe it or not that the we tell the soil you pay this say it's my donkey you stay out of it you have no shaykhs because i'm a sargera so the one that caused the damage whatever the lost the item has to pay to the sahih bisi kate said this is ridiculous he takes someone else's power and he makes money on it so to my son he says the mum is the kids we have to know where he's coming from he says what's going on here this is my the music this is my house and my insurance policy and the magic comes along with audacity and he wants to describe with my house and my insurance policy he damaged my house and he wants my insurance to pay for my house kate said because insurance is an investment my investment so how could the niziki pay the magic for the magic the hearts v in the children members close to harry besom and has the same taina that this is basically the nzx investment and you can't make the magic give the magic right to use that investment so the point seems to be that alpha toyota when a mazda does hezek he pays if the nizik is a wise investor and took out an insurance policy that's to his benefit not his detriment i you'll ask but the mice why is the magic then is it getting paid he has no loss oh then we'll use bavakama it's not a question of loss you damage my house you burnt the house you have to pay then i found a real treat the hulk is one of the idolate island in heilig bay sim and sadiq and simon sadaga it's two verses of the same idea he lived approximately 25 years after the hari basamin and the marsham he didn't doesn't mention there's a why but anyhow so he says i saw two soldiers rights two sir two of uh people fighting on the hammer the haribo summit and the marsham turkey boy room fighting and i think they both missed the point that's what he says they both missed the pharishigimar that will give us guidance for this this very shy love double dipping is the gemara and listen to his i'm following in my base and he says really the question here is why does someone pay when he's magic someone else does he pay because he damage someone's property mark of enemy is charmander you damage his property you pay or does he pay because he caused someone else a loss a hefsid then african media is if someone damaged someone else's property and there wasn't a loss of money how could that be our case of insurance you damaged it definitely damaged his car but he has insurance so there's no laws so he says this question where do we find the answer to this question so he says it's a gemara in bhava kambhav bays and gemara speaks about someone that threw someone's item out the window and it was heading to be smashed to pieces valueless and before land someone comes with a baseball bat and breaks it and behaves does he have to pay that he broke the item is it a monotheratov is it already like a doomed item has no value to the right is not considered or right now it's fine in fact the the discussed if someone shot an arrow at the fair it's even less of a problem with the faith there's nothing wrong with it but no one says of course he's popped up because there's no loss to the pylon as far as the violence concerned this habits will be either broken by the landing or by the arrow no one says that he's possible there's no loss to the bylaw evidently magic is lav dafta lost to the bylaw magic is you broke my item you have to pay so even if there's no loss to the buying you have to pay the only redeeming factor might be if it's monothera so perhaps it's not but the fact that you damage my item even if there's no loss sucked the calculator you have to pay and then if you look you'll see it's a beautiful chuva to go through he has again close to a half a dozen ryers that mazda is lobbed after loss but i'll just tell you one of them because we have a big agenda he says the gemara and gitme and that before he had a chance to give him a star someone else was massacred the evid who does the money of the hezekiah so the umar says the money goes to the bala bus because right now he's still the baller bus i the baller boss did not suffer any laws with the with the evidence being beaten because anyhow he's going to heiress magic is left after loss magic is damaged you did damage you paid so therefore he says basically that there's no if the house is insured if tucker you've damaged someone's house you have to pay and then he says another writer to his yasay the mishna in bhavami see alam in the base where the gemara says with the mystery says a time of kate said says listen to this let's say a shay machina took an item to watch and he decided to be a real good chimer so he paid someone he paid the shame to watch the item and the mice of the shame asaka the item was lost in a way that the shame has to pay who does he pay to so this is he's doing sky with his own investment so therefore the money goes to him if i took out insurance but it's even more than that i took out insurance in my house so can't come along and say give me the take the payment for yourself that's a real halloween right why because the home and the insurance is my my investment so coming back to our original question if there is a damage can the nizik claim double payment it's actually a machine earlier in the haribo holds not we saw and the truth is a lot of the high enterprise can also say this i saw the harley snossin and the kenyan torah and it seems that the consensus of most places can be sized hard to be summoned that double compensation in allah is not a problem because it's my investment you're a magic you have to pay now the only question is so does that mean that i could actually claim from the mask so as we will see yes it's almost never again i'll explain why first of all let's say i go and i claim my insurance i'm the nizik and then i go to the magic you pay up because we possibly like the arsenal he says i don't know who you are i passed like the haribo summit kimly so the clown is in mish but even if rife sheet is hauled one way if you could attach yourself to one sheet that holds differently you could say kimly i go with the sheeta and you can be my team it's a suffix so if the nizik if the masjid is say so you can't no double compensation so that's the first thing the the nizik could tackle claim it but the mazda will say kimberly that i saw just in the aim to the ghost even though the royal price can go with the that it is mother but he could say kimberly i also saw a true from aftali nuspam in the yoshi who also says it even though roy paiskim hold it's mutter but the nizik the the mazda could say kimly like the tour that's one now let's say fakert so let's say the nizik is a smart fellow he does things right he first goes to the magic he says red magic you pay me okay has no choice then he wants to claim insurance for the damage so that is already a chutzpah i'll tell you why because who's paying the insurance the mazdix insurance the mazdix liability insurance the mazda's investment now wait a second if you claim payment from the mazda then you can't go to the mazda insurance and claim double payment that's two payments from the same person that's illegal that's wrong till now we spoke about the massacre has to pay and i get my windfall minas shamayim from the nzx insurance that's my investment but to go claim from the magic and then go claim from the magic's insurance doesn't make sense not be turned up to law now let me ask you another question let's say he went to the magic and he claimed insurance and he claimed payment then he went to the insurance and whatever it is he worked out and he took a double payment that's obviously wrong even with the evidence you can't take what's not yours let's say a different case a person's house was damaged he first went to the masses magic you might either you're not my magic pay for my house okay he has no choice he has no insurance then the nz goes to his insurance and i want payment because my house burned down and they don't ask questions they pay him now the mazda comes to life and oh you gotta pay me for insurance give me back the money because you gotta pay payment for your insurance so who has right right of way so now it's for carrot now the nizik will say kimly like all the good oily oil that i'm allowed to take double insurance double payment because now he's the music so he's a government but that might work until we go a little further but basically i think you have to realize and that's what i'm trying to point out to bring out a regular insurance that the of the nizik is his investment liability insurance which you can't drive a car without it is the mazda's insurance there's no harm in the world you could collect from the magic and then cut to the mazda's insurance because the mazda insurance is paying for the magic that's his investment his premium goes up and he's getting the hassle so basically the only way to double dip would be if you go to the mazdik first and get payment if he pays you fine and then you go to your insurance but this is the problem because the law is and you sign the contract you could only collect payment from insurance if you didn't get payment from elsewhere and if you got payment from the nizik from the magic i'm sorry then you have no right to get from your insurance so you could say but what about their sameach and the the heartsv and marsham so tell it to insurance company but their law and you signed the law is you cannot claim payment if you got payment from elsewhere so therefore even though the massam the uh felt it was i guess in those days it was not contrary to the law or contribute to your agreement so for someone to sign that i didn't get payment is of course the same is the derisa of shecker and geneva so double dipping might be muta but it's not workable it's not feasible in our society with with the law does not allow one a person to take two payments so that's why basically there i someone told me i'm not familiar but the certain type of medical expense that it is permissible to have double payment certainly a life insurance a person could have two life insurance or three you know these these things are more or less business deals but basically the insurance for damage is one payment you can't claim two payments now the embassy is dimitra's yitzchak in the chuva and it's very sharply where the truth and khalid gimbal the end of kufrov he says no person no moral ethical person will take double payment because if lameisa they pay you you can't take a second payment eila myself say they are using that was when it was legal but to do something that's wrong is certainly contrary to loch now insurance so then consult with your insurance broker you know that's it's not going to change allah if they say you can't take double payment then you can't do that to go to the insurance first and then go to the magic the mazda will say kim lee that you can make double payment now the only issue that i wanted to mention is which really it starts to get a little more levitic is the following common case a person damages someone else's car okay we're going back to cars and the mazda says don't worry i have liability insurance the nizik says listen i don't want to have business with these insurance companies if the hassle's a headache you magic you pay me the money is what do you mean by i don't pay out of pocket i have insurance but i don't want to deal so he's i don't want to deal with your insurance so in nowhere does it say macabre me and xiameno out of pocket here we will say that liability insurance is a form of rave for me the magic so i could tell the nizik i'm going to pay you you're going to get the full amount don't worry you have to wait okay so the magic has to be a mensch their and to make it as quick and painless as possible but you can't be much higher the magic to pay out of pocket when he has an insurance that he's been investing to fulfill that payment again if they're if the magic if the nizik incurs someone some type of of course so the master would have to pay for them but again this is not something you're going to find in you know ferris apostate but this is a minimally basic yeah why is she out of pocket if he has an insurance willing to pay you have to wait you have to wait okay now again again the mazda has to be a mensch but he has to do it in the most efficient way possible especially think about that he wants the magic to pay and the guys insurance company will not have to pay what they have to pay i mean it's not he's not cheating he's just doing something that's not secretive now often it happens fakert magic damages music's car and magic runs to the music please don't claim insurance i have liability but don't claim this is my fourth accident this week alone you know if i claim insurance i'm not going to have a license or insurance i'm finished i'll pay out of pocket but nizik knows the magics i have vermont four accents per week you know he goes yeah till you pay me it's going to year over your vote i want to i want money right away i'm going to go to the liability insurance i want to claim it i have a right to claim it so again here the truth is here we could hear a little more of the taina that that mazic has i've been investing all these years in this insurance and now you want to use it against me i have to pay doesn't it i have to pay through through insurance i have to pay my own money so he could say you know let it do that to me you can't go to my insurance if it's going to hurt me how much do i owe you i'll pay you out of pocket now again the mazda has to be a mensch sorry you know the rajma says if saba come back next we come back next week because then he then he might have a good time i want to pay midnight but the site is here we could see that the insurance payment of the mazda liability is the rape of the magic so give me a chance and hopefully you know in this case where i want it to work work if i don't want it to be used i will pay you out of pocket don't go to my insurance against my will which will be to my detriment a different situation again you have to just know there's basically two concepts either a liability but more often than not regular insurance payment is the nzx insurance someone damage someone's house or someone's a person whatever it is but typically let's say a person burns someone's house down so it's the light it's the fire instruments of the nizik so here we will say the way a person should do that give the massacre you know the magic will tell the music you claim your insurance and you'll get payment double dipping is mutha again in but not in not on the mice in our times because it doesn't work but now the nizk says listen i don't mind claiming my insurance you remember you did the damage i'm cleaning my insurance step one and number two as soon as i claim my insurance the premium skyrockets up so let's put this in perspective you damage my house i'm paying for the damage and i'm paying my higher premium you're walking out not a red cent and i have to pay for the damage of my insurance and i have to pay the raise in premium now the embassy the london might say but the the raising the premium is only a grammar the margin didn't hit him over the head he damaged his fire and they fired his house and that caused the raising the premium so first of all i looked into this it's not for now but some price can hold that a premium increase is a garment it happens instantaneously i mean insurance doesn't give you any you know question about it if there's if there's a claim the insurance goes up so guy me but the truth even if it's grandma but then again why should i sustain a loss to help you if you don't like this you know if you if you don't let me charge you at least for the raise in premium so you pay me out of pocket but think about it the mazda burned the nizik's house down he doesn't want to pay take your insurance and the loss of the premium you have to foot the bill that does not tackle it doesn't make sense so the price contactors say that even if it's only a grammar makes no you the the nizik will tell the magic i'm giving you a choice you are a mark of amy shalman you're a missionary of nazikan either you pay me you want me to go through my insurance at least pay me the loss and that is your choice and that of course makes sense and that's terrific and that's perfectly legal because this is something that's very sickly this leads to the next question and a very challenging question the same case where there's a hesic and it's only the insurance of the nizik that will pay mazda doesn't have insurance again it could be typically usually unless your car the mazda doesn't have insurance but here's one slight complicating factor alpitora the magic is not much to pay let's say it's only a grammar or a child did something crazy or it was a case of a bar which is potter and caleb there are many cases that the the hezek was definite a big hazard but a dying said this is a not a pitaya but the law of the land the medina insurance will honor this claim because it's a legitimate hefsig they don't know there's a tour called cotton or or grammar or bar patron caleb they're willing to pay so now the nizik and the music is what should i do can i take him to court can i sue him if he has insurance he doesn't have insurance what's the health but you know if it's not a headache especially if the magic does have some insurance and you're going to make someone pay i'll be turned there's no heath so there is a loss but there's no magic i'll be tired another problem is very often i'm not saying always when you want to sue someone you have to go to court now the truth is just mentioning the word going to court send the shuttle in our spines i mean something like such an a a gruesome hashem i mean this island might have to talk about it but you know we know the terrible terrible terrible aware of going to court so here the nizik is confronted with a double problem he's he's claiming money that's not our pitaria and he might even have to go to court so the truth is this i saw and i have a a unpublished chute from rabelski and he what he says he heard from many good ideas and it's abhiyashi said this as well basically if people take out insurance the understanding is that the insurance works with the insurance laws which are not connected to the hackers but have a different set of regulations and a person that walks in the street or drives or or does anything is going with that understanding now if he's the magic he will say okay we're going with tara laws but let's say he's in isaac his house was burned down by someone but there was a tour of this or that but he would want insurance to help him so it's as almost as if there's an al das kane that when a person takes that insurance and we all want the world should go that is an understanding that we go with the medina it's almost al-dashkain that that's the way it's done now this is what he writes he says rabbi yasha said this and even if it means going to court it's as if bears and authorize that because that's the only way to collect money you can't sue someone out of court now of course this should not be you know misconstrued or certainly abused but the creation in the zikan paragura or member also says this far regarding the other shiloh even though peter there's no headache but there's al-dastain that people live in this world and it's the way only will work is if we grow in harmony says beferish a person could claim money that shall help beat torah as long as that's the medina because that's what insurance those are the insurance guidelines now we know dina mahusadina does not does not allow us to violate the torah but the terrorist says you follow dinama who's not a sphere now again before khalil a person will go into court he should know that he's doing the right thing but basically this is somewhat of a aldas kane understanding that this is basically the way it's done but the truth is just to mention another point and again i'm saying this with caution i'm not saying all agree but i've heard they have said this in the past the fact is that i cannot take another year to call it and i can't claim him to pay me if i'll be tara he's potter that's true both are true but when a person makes an insurance claim he's not suing the other yid he's suing the insurance company and who's paying at the end of the day the insurance company so it is no issue of taking money from insurance company that acknowledges that the law is that this is responsible in other words if i make a yid paycheck then it's an avalanche if i take a year to court that's a novel if i take a greater court or the geisha insurance company and they have to pay so alpha toyota it's not an envelope because that's really they understand to be the fair thing in other words they're using how you say that insurance is not a payment per se for the for the nz it's in a separate entity it's my investment and they are involved so once it's a separate entity it's my investment they're on their own and you're suing a going out of it what's really challenging is a question that happens rather than i saw this in a few different tubas a person moved into an apartment it was a tenant they'd known it didn't own it and he tried to take out the fire insurance the landlord was not injured they didn't take out any insurance and the house burned down are you talking about in our neighborhoods you know one one apartment could be half a million dollars and the tenant had a legitimate insurance that paid half a million dollars whatever it is and the landlord is fuming this is the this is unthinkable he's making money on my house my house that burned how could the tenant take the insurance claim so the the the tennis let's let's start again you two got no insurance the fire was not my i didn't do it it happened there was an iron is gone so you left yourself vulnerable if i took out insurance that's my investment so why can't i claim the money so i don't know if the if if the landlord knows the mystery not but his time is kate this is unthinkable you're getting paid for the house that doesn't belong to you no if they pay you for your desk and your dining room table and your brake front no that's a a tiny amount of the payment but this surprise is mamish our shiela if you hold that in that insurance is a payment for the loss it goes to the owner but if it's an investment who made the investment what's what's so unthinkable to say that the money believe it or not goes to the tenant and you know says this the ursa mayor the same are but actually it's earlier in another unusual nishalti in the middle of the save our summer he has charleston chivas this is one of them and he has this very shyla a person rented an apartment from someone else and he took out insurance and he one and lamai said burnt down was not the fault of the tenant and there sameach basically says this sounds like caitanya how could the tenant take this payment if the house belongs to the landlord but then he says a beautiful hillary for us is music tower is he says in the case of the mishnah there the payment is for the lost animal that belongs to the bala bus here the payment is not for the house that burned down per se it's my investment my skyrim it's my investment so i i could realize the profit of my investment and as lushen is the reason why you're collecting is because it's your investment so why can i do heat and invest you know again people take out life insurance on someone else's life but it belongs to them but then at the end he says that i saw a shoulder mesh but i it doesn't sound right how could you take a half million dollars for the payment of a floor of an apartment that's not yours so he says the major writes that he heard the sack of the brody then in such a case one third of the payment goes to the tenant and two-thirds goes to the landlord so it's interesting that the in svara it's not so hard to believe it's fully it goes to the tenant i saw the evidence he has a similar shield someone took out insurance on his on his apartment and or the house whatever he rented fully rented and a big tree fell and destroyed the house so now the tenant wants to collect insurance money and the land says whatever it's my house so again he says also that la maison the ursa mayor has this and he goes with the bradley that you have to make up shara two-thirds and one-third but if you want to think a little bit and you'll see it this is the intriguing part of today's sugiya insurance is a patent it's a new mathias i take out insurance on anything i want i could take insurance in your house i mean i don't know if it's legal but on your life i can do what i want but the end of the day it ends up that i'm going to make money on on you but that's the insurance the insurance acknowledge that and legitimizes that but but the price can seem to say but still think about it a person makes a half a million dollar collection on someone else's house it just doesn't sound right even though it's his skyrim his investment so that's the sheila you could think about that as well okay hold on but what interesting is if lamaisa the question i began with i gave my half a million dollar bear to a machine and he took out insurance and it was stolen whatever it is and there's definitely gonna be payment who does the money go to so it's the same difficulty it's not so hard to believe that the shame it gets the half a million dollars he did nothing but because the embassy is the bala boss didn't insure himself and me and the bala boss that's the pharisee paschal terrorists but then i saw a beautiful aura from the prison in picadine perches the end of he says there's a possibility because in the case of the typical case of a regular shima it was lost the item was lost it's still whatever it is you're paying for this lost item so if the the the shimmer gets the money oh so that's the item so give it back to the real owner that's why halloween okay right but in the case of insurance the item is gone no one's thinking they're replacing the item they're paying the investment that you put in that you know the the shame is paying for the item got to go back to the original owner but here the they're paying because you invested money in them so it's your investment so your investment you keep it's not a half million dollars for the better it's eight million dollars for the investment that's what he wants to say but again that's the patent of insurance the question is is that the item but wait you haven't seen anything yet when a person gets actually gets the payment i should mention a few points and i'm going to say some really fascinating shirtless so basically they send down an assessor and whatever he evaluates the damage it happens that they you ended up fixing it and you had some extra money so that's perfectly legal it's muta no one cheated anybody they you know they shot stuff based on their expensive uh repairs so that money is perfectly motivated of course there is enough to tell you that you know how to lie or cheat and that's the shecker and geneva and everything else and sorry two of the gimbal clothes paid he says geneva's das by yid so no one we're not talking to people that do things wrong we made an embassa a fair claim that they assessed it so that's fine if let's say they decide that the damage was two thousand dollars and you decide you know what i have to make a khasana so i'll drive with the smashed up car you got to keep the money that they send that's they're not paying for repairs they're paying for damage so that's perfectly okay i heard one to shiala i'm not proud to share with you but the magic exaggerated the course and lamai said they sent the check ability to the nizik so now the muslims and i cheated and you're going to get the money you got to give me the money so obviously it doesn't you know dignify a response but the truth is then the the nizik has right because they're not paying him it's payment to him now i'm not saying it's kosher money what's more of a kosher question is let's say they made and they made a pretty you know a liberal assessment more than the damage but they sent it and everything was fair now the mazda comes to life and he says listen liability insurance my insurance and this is you know extra money i deserve the extra money whatever loss you had keep it i want the extra money now that sounds like you know a pretty illogical timer because the end of the day they're paying what they assessed was the damage and they're paying for the music they don't send the money to the magic for obvious reasons they're not paying him to give back him the money it's basically to the nizik and that makes sense then is he could keep the money if the magic if a person borrowed a car barred his friend's car and he damaged the car so this very tricky question because the embassy is uh this is a a borrowing a soil colonoscopy has to pay unquestionably but then again the the owner of the car called the nizik has insurance so this is a very tough shower because the ambus the embassy is that the person that borrowed it is colin actually has to pay this is where the min has yitzhak says the tremendous tradition i mentioned earlier the gimbal and he says basically no one would borrow no one would touch someone else's car if you know that you have to pay the damage because he knows that the person that owns the car has insurance that includes an extra driver so al das kane he dropped he took the car and that's the mini golem and he quotes in fact in the children's that even if someone is magic but if there's a das kane if there's a mini golem you can collect connected mini golem so the min says this taina that as long as this is legal so you have to claim your insurance and again if the insurance goes up so that's a matter between the the nizik and the shail but to turn to the shelter and say mazda you have to pay that doesn't seem it doesn't seem to be the outlook thing to do true story summon damage someone's caught two thousand dollar damage i'll pay you next week okay he's gonna wait in the interim before the next week someone else totaled the same car so he's gonna pay him a new car so the first mazda comes oh guess what i'm out of the picture you're getting a new car but that's ridiculous because you damaged my car two thousand dollars no question about that he's not here to pay the fact that i'm gonna get extra money that's none of your business this is the magic with a half sid bishop even though retroactively did not have sid but you have to pay the two thousand dollars now listen to the next question also someone had an item and he lost his item ayid found the item and knows who it belongs to but he heard that the loser of the item has insurance and he's gonna get reimbursed the full value of the item so you know when it comes to money people have very lo become the chica he says that i found is an avedas akum because it's a grayish insurance company so he wants to keep the item so the emphasis for us it's a good joke but the truth is that it's not the guy didn't didn't kind of be away them that's as ridiculous as can be this is an investment that if i have a loss they will reimburse my laws it's not a temura of the item it's not the item the guy has no chairs to my item this is the yiddish aveda there's a mitzvah of aida if you have any doubts but has this shyla is it besides the fact that adam writes the cops shall i which is worth money but he says basically the guy who's macabre is on the payment not on the faith it's it's no shay if it's akum but you haven't seen anything yet listen to this true story also i saw this in one of the deen had this they had a bunch of secretary was stolen and were never recovered so the lesbrary they had insurance and they claimed insurance for the sephora tire and of course there was a very you know significant payment the shul the gaborium the road whatever made a very simple judgment that they have enough secretary without the one that was stolen but they need something giving them they need a catering call they could bring in a an income they want to use that money to build a catering call and they'll sue will have more income and they're able to do more avoid the sacrifice they take the money the insurance payment for them for the secretary and make other other necessary expenses for the shul so what comes to mind is the famous rambam that you know if you did sell the state for torah the money is considered kaidesh it's safety and you can't use it for anything but buying more safety does that apply to our case absolutely not because unfortunately there's no way to bring back the suffering tower this payment is a i'm realizing my investment this is where i see that the investment of insurance pays but it's not a tomorrow of the faith if the ganeth pays for the safety that he's told then you can't use anything else because that's of the safety toyota but this is payment for my investment they don't know they don't care what was stolen what was taken they paid because that's on the books but it's not in it's not replacing this victory again he says it sarcastically it's a good point if the gunner will send the check that he feels guilty so that's but this is basically not the mesa retirement so he says where did i get this from that that insurance payment is not the item i rely on the ursumaya and that's what we began with that insurance is not a payment for the feds per se it's investment so the fp says based on this you could take the money and use it whatever you want now the amusement has got you'll see in heilig bay sim and i involve and the prescription and screws the end of paragraph not so convinced about that i in shum but the truth is i was told the police can do understand it as such it's not the replacing a safe retire it's them paying for my investment maisto again this is a true story someone owned a warehouse of comments he had a big uh at the cookie business and of course before pacer he sold the comments including that warehouse and his muzzle there was a fire on pesach and the entire warehouse burned down but he was insured for the fire insurance and that warehouse but the problem really was that on pacer it wasn't his it belonged to a guy this guy didn't have a spell insurance he had no insurance on this warehouse and i once heard rather such a child attacker that the person could not claim insurance because there's no insurance for the interim of pesach but the message that i'm talking about the happened to be one of the clauses of the insurance was that anything that's on my property is included in my insurance even if it doesn't belong to me so he didn't sell the warehouse to the guy so it was his warehouse it was the guy's comments so there was no problem as far as claiming insurance medina but the other problem was that he's having enough muhammad cometh he says no no you're making a mistake it's not not replacing the comments this is the panam hadashi's balacan this is a payment for an investment it's not for the commerce per se and he sends you to the titelizer that has a very similar approach but it's all the same proper understanding of insurance it's not like they somehow recreated the hamid so therefore it's payment for a a a side investment called insurance and last but not least also i saw this mystery i saw the kenyan there has this child and hey the k someone was a handler and he had a business and he also schnapps on the side but he had no license if he was ever caught he would they would confiscate the schnapps and they'd give him a a hefty fine as well someone came into the store and we're looking at a bottle of snaps and he dropped it broke it mazak adam with oil he has to pay a few minutes later the inspector comes in and looking for snaps and he didn't see any snaps i guess it was during covets he couldn't smell the snaps doesn't say that but anyhow it was a problem he didn't so he walked out so now the magic is going to land him he said listen if not for me you would have to you lose the snaps and you would have to pay a fine now you have no snaps and you have no fun so what what did i do to you so everybody say this sounds good until until today because as we showed from the gamora above my base mazda is not totally in loss it's totally in maca mia man it's very similar and taka i saw the kenyan terror that i mentioned in the kuffman dal that has this taina and he says this is a call of christma from the case of insurance because there in that case it was someone else did a headache and it's my insurance here it's not you you know you know insurance it was a double bond but i'm out of here just one point there's a famous story about now the truth is there are many versions of the story so i don't know if the story ever happened but it's definitely that is about someone that owned two stamps the last two stems of its kind in the world each was worth ten thousand dollars each and some person damaged one of the stamps a real magic so you have to pay ten thousand dollars but he realized that now that since only one stamp remaining in the entire world the remaining stamp is worth twenty thousand dollars she but there's one version of that it doesn't agree with what we said and said if the second stamp became exactly the value of both so there's never haloid but let's say it's only seventy-five percent of the difference so once it's a magical magic in gansen but as we saw earlier it's more mustafa like the first gears up that it's not a that amazing is a magic and they have to pay for the hezick i couldn't talk to you all the governor sheila like to thank robbie smith for the wonderful shirt also like to thank for everybody that sponsors sherman lee the helper our boys at the sponsor and please call each and share three seven one eight eight five one eight six five one rabbi said the best medish made two important appeals uh everybody know what hard year we had they covered this year here we got boxing stimulus checks but necessarily thousands of a vehicle didn't get paid for the coil and this shabbos they made appeal for doctor called a very hostile criminal to throw him they need his help to pay the coin for months they need to get paid still backwards the boyce is as much as you can appeal number two we have the street to have us one of the pioneers of like he's leaving tonight at his role however if he is drinking for tens of thousands of eating a gum to trot from trining with essence last year we couldn't have discussed he's still leaving tonight by brand please go over to him foreign