Think you have “full coverage” on your auto insurance? You might be one accident away from financial disaster. 😬

In this episode of Unseen Impact, Kerrie & Rory bring back insurance expert Chad Colston to decode the most misunderstood parts of your auto insurance policy—from declarations pages to uninsured/underinsured motorist coverage (UM/UIM), deductibles, OEM parts, teen drivers, claims, and more.

If you drive a car, this episode could save you thousands of dollars and protect you after a crash—whether it’s your fault or not.

What you’ll learn:
 ✔ Why “full coverage” is a misleading term
 ✔ The one policy item every driver must have (most people don’t!)
 ✔ When to file a claim with your insurer vs the other driver’s
 ✔ Why you may never want the at-fault driver’s carrier fixing your car
 ✔ The truth about deductibles, OEM parts & glass claims
 ✔ Insurance tips for parents of new teen drivers
 ✔ How to avoid paying out of pocket when the other driver has low coverage

If you like episodes that make you smarter and safer on the road, hit LIKE and SUBSCRIBE for more real-world insights!

Some notable moments from this episode:

00:00 - Welcome back + Chad gets recognized from the podcast

01:14 - Insurance game: “What does this even mean?”

03:42 - Why most adults don’t understand their auto policies

04:50 - What the Declarations Page actually tells you

07:08 - Liability limits & why 250/500 matters

11:16 - “Full Coverage” is a myth—what it really means

12:18 - Comprehensive vs Collision explained

15:35 - Why hitting a deer might be better than hitting a pole

17:06 - The most skipped coverage: UM/UIM (and why it matters)

20:51 - OEM parts & why repairs may not be equal

23:15 - Filing a claim: your insurer vs theirs

26:42 - Deductibles and getting reimbursed

30:34 - Insurance tips for parents of teen drivers

33:55 - How grades & driver training can lower teen insurance costs

37:20 - Final takeaways: protect yourself before the accident

#InsuranceTips #AutoInsurance #CarInsurance #PersonalInjury #UnderinsuredMotorist #UninsuredMotorist #UMUIM #ClaimsProcess #CarAccident #FinancialProtection #UnseenImpactPodcast

Think you have &ldquo;full coverage&rdquo; on your auto insurance? You might be one accident away from financial disaster. 😬
In this episode of Unseen Impact, Kerrie &amp; Rory bring back insurance expert Chad Colston to decode the most misunderstood parts of your auto insurance policy&mdash;from declarations pages to uninsured/underinsured motorist coverage (UM/UIM), deductibles, OEM parts, teen drivers, claims, and more.
If you drive a car, this episode could save you thousands of dollars and protect you after a crash&mdash;whether it&rsquo;s your fault or not.
What you&rsquo;ll learn: &nbsp;✔ Why &ldquo;full coverage&rdquo; is a misleading term &nbsp;✔ The one policy item every driver must have (most people don&rsquo;t!) &nbsp;✔ When to file a claim with your insurer vs the other driver&rsquo;s &nbsp;✔ Why you may never want the at-fault driver&rsquo;s carrier fixing your car &nbsp;✔ The truth about deductibles, OEM parts &amp; glass claims &nbsp;✔ Insurance tips for parents of new teen drivers &nbsp;✔ How to avoid paying out of pocket when the other driver has low coverage
If you like episodes that make you smarter and safer on the road, hit LIKE and SUBSCRIBE for more real-world insights!
Some notable moments from this episode:
00:00 - Welcome back + Chad gets recognized from the podcast
01:14 - Insurance game: &ldquo;What does this even mean?&rdquo;
03:42 - Why most adults don&rsquo;t understand their auto policies
04:50 - What the Declarations Page actually tells you
07:08 - Liability limits &amp; why 250/500 matters
11:16 - &ldquo;Full Coverage&rdquo; is a myth&mdash;what it really means
12:18 - Comprehensive vs Collision explained
15:35 - Why hitting a deer might be better than hitting a pole
17:06 - The most skipped coverage: UM/UIM (and why it matters)
20:51 - OEM parts &amp; why repairs may not be equal
23:15 - Filing a claim: your insurer vs theirs
26:42 - Deductibles and getting reimbursed
30:34 - Insurance tips for parents of teen drivers
33:55 - How grades &amp; driver training can lower teen insurance costs
37:20 - Final takeaways: protect yourself before the accident
#InsuranceTips #AutoInsurance #CarInsurance #PersonalInjury #UnderinsuredMotorist #UninsuredMotorist #UMUIM #ClaimsProcess #CarAccident #FinancialProtection #UnseenImpactPodcast

Rory Pendergast, Lead Attorney at Rory Law, discusses the unseen impact and ripple effects on victims of various injuries in "The Unseen Impact"  

Unseen Impact with Rory Pendergast explores the ripple effects of personal injury cases, shedding light on the hidden ways accidents, negligence, and injustice shape lives and explores the economic, physical, and emotional damages endured.

Each episode features mental health, physical injury, and industry professionals to examine the widespread effects of various injuries on individuals, families, and communities. 

Rory Pendergast, a California-based attorney originally from Montana, hosts a show where he discusses the unseen impact and ripple effects on victims of various injuries. He advocates in court on behalf of victims of revenge pornography (non-consensual pornography), physical and mental injury, and property destruction.

<a href="https://rorylaw.com/">Rory Pendergast</a>, Lead Attorney at Rory Law, discusses the unseen impact and ripple effects on victims of various injuries in "The Unseen Impact"&nbsp;&nbsp;
Unseen Impact with Rory Pendergast explores the ripple effects of personal injury cases, shedding light on the hidden ways accidents, negligence, and injustice shape lives and explores the economic, physical, and emotional damages endured.
Each episode features mental health, physical injury, and industry professionals to examine the widespread effects of various injuries on individuals, families, and communities.&nbsp;
Rory Pendergast, a California-based attorney originally from Montana, hosts a show where he discusses the unseen impact and ripple effects on victims of various injuries. He advocates in court on behalf of victims of revenge pornography (non-consensual pornography), physical and mental injury, and property destruction.

Unseen Impact 

Unseen Impact is a podcast that looks beyond legal headlines to explore how personal injury truly affects people’s lives. Hosted by Rory Pendergast—a legal marketing strategist with over a decade of experience in the justice space—the show examines the real-world consequences of accidents, negligence, and systemic failures. Each episode features conversations with professionals in mental health, physical rehabilitation, and law—as well as those with lived experience—to shed light on the emotional, physical, and financial aftermath of personal injury. Rory brings a thoughtful, trauma-informed lens to each interview, creating space for guests to share insights that help educate, humanize, and advocate.

Unseen Impact is a podcast that looks beyond legal headlines to explore how personal injury truly affects people&rsquo;s lives. Hosted by Rory Pendergast&mdash;a legal marketing strategist with over a decade of experience in the justice space&mdash;the show examines the real-world consequences of accidents, negligence, and systemic failures. Each episode features conversations with professionals in mental health, physical rehabilitation, and law&mdash;as well as those with lived experience&mdash;to shed light on the emotional, physical, and financial aftermath of personal injury. Rory brings a thoughtful, trauma-informed lens to each interview, creating space for guests to share insights that help educate, humanize, and advocate.

The Auto Insurance Mistakes Costing You Thousands

In this powerful episode of Unseen Impact, hosts Rory and Kerrie sit down with Jane Doe, a courageous survivor who took a former Major League Baseball player, Jacque Jones, to trial after he weaponized her private photos against her. With the support of clinical psychologist and neuropsychologist Dr. Joanna Savarese from BrainWorks Behavioral Health, we break down the red flags, the psychological manipulation, the trauma response, and the legal protections available under California Civil Code 1708.85 — the law protecting victims of non-consensual disclosure of intimate images (“revenge porn”).

Jane Doe shares her real experience: the love-bombing, the control, the threats, the extortion, and the moment she chose to fight back. Together, we unpack what image-based coercion looks like, how narcissistic abuse traps victims, and why so many people don’t know the warning signs until it’s too late.

If you or someone you know has experienced image-based abuse, harassment, or coercive control, this episode will give you insight, validation, and a path forward.

👉 If you need legal guidance or mental health support, please reach out. You are not alone.

 

Some of the notable moments from this episode are: 

00:00 – The shocking opening: “She’s mine… obey me.”
00:26 – Important disclaimer: sensitive content ahead.
01:00 – Introducing Jane Doe’s case and California’s revenge porn law.
02:12 – How the relationship began: charm, charisma, and trust.
03:17 – The breakup… and the shocking moment he sent her photos.
04:10 – “It was weaponized.” The abuse begins.
05:42 – Introducing Dr. Savories: the psychology behind coercion.
07:22 – Red flags Jane missed at the start.
10:44 – Control, constant texting, and surveillance-like behavior.
14:00 – Why narcissists expose victims first.
15:19 – The threats: “Obey or I send more.”
17:03 – Trauma symptoms: fear, nausea, paranoia, hypervigilance.
22:30 – Gaslighting explained: breaking down his deposition.
29:17 – Cognitive dissonance: “Who I thought he was vs who showed up.”
31:27 – Living in fight-or-flight for years.
34:24 – How victims can regulate their nervous system.
37:06 – What the law actually allows victims to do.
41:07 – Jane’s advice: turn to hope, not retaliation.
44:19 – Final thoughts and resources for survivors.

TAGS

#RevengePorn #ImageBasedAbuse #NarcissisticAbuse #SurvivorStory #UnseenImpact  #LegalJustice #CaliforniaLaw #TraumaRecovery #AbuseAwareness #CoerciveControl  #TrueCrimePodcast #DigitalSafety

In this powerful episode of Unseen Impact, hosts Rory and Kerrie sit down with Jane Doe, a courageous survivor who took a former Major League Baseball player, Jacque Jones, to trial after he weaponized her private photos against her. With the support of clinical psychologist and neuropsychologist Dr. Joanna Savarese from BrainWorks Behavioral Health, we break down the red flags, the psychological manipulation, the trauma response, and the legal protections available under California Civil Code 1708.85 &mdash; the law protecting victims of non-consensual disclosure of intimate images (&ldquo;revenge porn&rdquo;).
Jane Doe shares her real experience: the love-bombing, the control, the threats, the extortion, and the moment she chose to fight back. Together, we unpack what image-based coercion looks like, how narcissistic abuse traps victims, and why so many people don&rsquo;t know the warning signs until it&rsquo;s too late.
If you or someone you know has experienced image-based abuse, harassment, or coercive control, this episode will give you insight, validation, and a path forward.
👉 If you need legal guidance or mental health support, please reach out. You are not alone.
&nbsp;
Some of the notable moments from this episode are:&nbsp;
00:00 &ndash; The shocking opening: &ldquo;She&rsquo;s mine&hellip; obey me.&rdquo; 00:26 &ndash; Important disclaimer: sensitive content ahead. 01:00 &ndash; Introducing Jane Doe&rsquo;s case and California&rsquo;s revenge porn law. 02:12 &ndash; How the relationship began: charm, charisma, and trust. 03:17 &ndash; The breakup&hellip; and the shocking moment he sent her photos. 04:10 &ndash; &ldquo;It was weaponized.&rdquo; The abuse begins. 05:42 &ndash; Introducing Dr. Savories: the psychology behind coercion. 07:22 &ndash; Red flags Jane missed at the start. 10:44 &ndash; Control, constant texting, and surveillance-like behavior. 14:00 &ndash; Why narcissists expose victims first. 15:19 &ndash; The threats: &ldquo;Obey or I send more.&rdquo; 17:03 &ndash; Trauma symptoms: fear, nausea, paranoia, hypervigilance. 22:30 &ndash; Gaslighting explained: breaking down his deposition. 29:17 &ndash; Cognitive dissonance: &ldquo;Who I thought he was vs who showed up.&rdquo; 31:27 &ndash; Living in fight-or-flight for years. 34:24 &ndash; How victims can regulate their nervous system. 37:06 &ndash; What the law actually allows victims to do. 41:07 &ndash; Jane&rsquo;s advice: turn to hope, not retaliation. 44:19 &ndash; Final thoughts and resources for survivors.
TAGS
#RevengePorn #ImageBasedAbuse #NarcissisticAbuse #SurvivorStory #UnseenImpact&nbsp; #LegalJustice #CaliforniaLaw #TraumaRecovery #AbuseAwareness #CoerciveControl&nbsp; #TrueCrimePodcast #DigitalSafety

MLB Star Exposed: The Terrifying Truth Behind Jane Doe’s Fight for Justice

Get ready to dive into the revolutionary world of James Madison and the Bill of Rights! As we gather for Thanksgiving, it's the perfect time to reflect on what we’re truly thankful for—the fundamental freedoms that let us come together, speak openly, and live our lives freely. Join us as we explore how Madison’s Bill of Rights secured the Freedom of Assembly and Free Speech that we continue to cherish today.

In this episode of Unseen Impact, Rory and Kerrie reveal why these foundational documents—introduced in August 1789—are far from dusty relics. They remain essential protections for ordinary citizens right now.

Rory, dressed in his own revolutionary get-up, breaks down the core rights that still shape today’s headlines: Free Speech, Protection from Unreasonable Searches, the Right to a Jury Trial, and Due Process. You'll learn how the colonists’ deep distrust of the British government helped forge these crucial safeguards.

Discover the unseen impact of these 18th-century rights on modern life—from personal injury law to the everyday language we use around fairness and justice.

👉 And don’t miss the unforgettable story about the dueling gun lighter!

 

Some of the notable moments from this episode are: 

0:00 - Intro: The Revolutionary Outfit and the Dueling Gun Lighter Prop

0:30 - Introducing the Topic: The Constitution and The Bill of Rights

2:44 - Who Introduced the Bill of Rights and When?

3:08 - Why the Bill of Rights was created: A Safeguard Against Too Much Government Power

3:36 - The Key Rights: Free Speech, Jury Trial, Unreasonable Searches, and Due Process

4:15 - Why a Personal Injury Attorney is Talking About the Bill of Rights

5:36 - Britain Silencing the Colonies: The Spark for the Revolutionary War

6:12 - The Right to a Jury Trial in Civil vs. Criminal Cases

7:25 - These Rights Were NOT Abstract Ideas: Protections for Ordinary People

8:15 - We Take Our Constitutional Rights for Granted Today

9:06 - James Madison's Protections: Exchanging One Goliath for Another?

11:05 - Understanding Due Process: Notice and the Opportunity to Be Heard

12:41 - The Fear of a New Government and the "Treason" Quote

14:14 - Why the Bill of Rights Matters in Everybody's Everyday Life

15:46 - The Role of Attorneys in Fighting for These Same Rights Today

16:06 - Conclusion and Outro

#BillofRights #JamesMadison #Constitution #FoundingFathers #USHistory #UnseenImpact #RoryLaw #FreeSpeech #DueProcess #CivicEducation

Get ready to dive into the revolutionary world of James Madison and the Bill of Rights! As we gather for Thanksgiving, it's the perfect time to reflect on what we&rsquo;re truly thankful for&mdash;the fundamental freedoms that let us come together, speak openly, and live our lives freely. Join us as we explore how Madison&rsquo;s Bill of Rights secured the Freedom of Assembly and Free Speech that we continue to cherish today.
In this episode of Unseen Impact, Rory and Kerrie reveal why these foundational documents&mdash;introduced in August 1789&mdash;are far from dusty relics. They remain essential protections for ordinary citizens right now.
Rory, dressed in his own revolutionary get-up, breaks down the core rights that still shape today&rsquo;s headlines: Free Speech, Protection from Unreasonable Searches, the Right to a Jury Trial, and Due Process. You'll learn how the colonists&rsquo; deep distrust of the British government helped forge these crucial safeguards.
Discover the unseen impact of these 18th-century rights on modern life&mdash;from personal injury law to the everyday language we use around fairness and justice.
👉 And don&rsquo;t miss the unforgettable story about the dueling gun lighter!
&nbsp;
Some of the notable moments from this episode are:&nbsp;
0:00 - Intro: The Revolutionary Outfit and the Dueling Gun Lighter Prop
0:30 - Introducing the Topic: The Constitution and The Bill of Rights
2:44 - Who Introduced the Bill of Rights and When?
3:08 - Why the Bill of Rights was created: A Safeguard Against Too Much Government Power
3:36 - The Key Rights: Free Speech, Jury Trial, Unreasonable Searches, and Due Process
4:15 - Why a Personal Injury Attorney is Talking About the Bill of Rights
5:36 - Britain Silencing the Colonies: The Spark for the Revolutionary War
6:12 - The Right to a Jury Trial in Civil vs. Criminal Cases
7:25 - These Rights Were NOT Abstract Ideas: Protections for Ordinary People
8:15 - We Take Our Constitutional Rights for Granted Today
9:06 - James Madison's Protections: Exchanging One Goliath for Another?
11:05 - Understanding Due Process: Notice and the Opportunity to Be Heard
12:41 - The Fear of a New Government and the "Treason" Quote
14:14 - Why the Bill of Rights Matters in Everybody's Everyday Life
15:46 - The Role of Attorneys in Fighting for These Same Rights Today
16:06 - Conclusion and Outro
#BillofRights #JamesMadison #Constitution #FoundingFathers #USHistory #UnseenImpact #RoryLaw #FreeSpeech #DueProcess #CivicEducation

Why the Bill of Rights is Still VITAL for Your Freedoms Today

https://api.omny.fm/orgs/d57f2f8a-7bab-4064-9571-ae7c0139f8ec/clips/be4c8b57-4d72-4f8c-9e3a-b39c016ee8fb/transcript

What really happens after you survive getting hit by a truck? In this powerful episode of Unseen Impact, hosts Rory and Kerrie sit down with Ricky Sutherland, a former client who lived through every pedestrian’s nightmare — being struck by a commercial truck while simply crossing the street.

Ricky shares his story of shock, recovery, and the long legal and emotional road that followed — including the unseen brain injury that changed his life. Rory breaks down the personal injury process, what victims need to know about insurance adjusters, and why so many people don’t realize how serious their injuries are until it’s too late.

🎙️ What You’ll Learn:
What it feels like to survive being hit by a truck
The hidden impact of brain and soft-tissue injuries
Why you should never talk to insurance adjusters right away
How accident reconstruction and legal teams uncover the truth
The emotional toll of recovery and learning you’re not invincible



💡 If you’ve ever wondered what really happens after a serious accident — or how to protect yourself — this episode will change how you see personal injury forever.

🔔 Subscribe for more unseen stories that pull back the curtain on real-life impact.
 📺 Watch on YouTube | 🎧 Listen on Spotify, Apple Podcasts, and more.

Some of the notable moments from this episode are: 

0:00:00 | Intro: Hit by a Chevy Silverado.

0:01:01 | Crosswalk, blinky lights, and the moment of impact.

0:04:35 | Introducing client Ricky Sutherland.

0:08:48 | Ricky's experience and why he was in denial.

0:13:31 | Driving home in shock and the pain setting in.

0:17:54 | The "charming" adjuster and why a quick settlement is a mistake.

0:21:09 | The cognitive impairment and brain injury.

0:25:28 | The struggle to accept his injuries and the need for an MRI.

0:29:46 | Losing his stress relief: mountain running.

0:38:10 | Ricky's advice: Trust the experts and your support team.

0:41:45 | Girlfriend's candid realization: "I want that guy back."

0:44:09 | Final thoughts: You're not invincible.

What really happens after you survive getting hit by a truck? In this powerful episode of Unseen Impact, hosts Rory and Kerrie sit down with Ricky Sutherland, a former client who lived through every pedestrian&rsquo;s nightmare &mdash; being struck by a commercial truck while simply crossing the street.
Ricky shares his story of shock, recovery, and the long legal and emotional road that followed &mdash; including the unseen brain injury that changed his life. Rory breaks down the personal injury process, what victims need to know about insurance adjusters, and why so many people don&rsquo;t realize how serious their injuries are until it&rsquo;s too late.
🎙️ What You&rsquo;ll Learn:
<ul>
<li>What it feels like to survive being hit by a truck</li>
<li>The hidden impact of brain and soft-tissue injuries</li>
<li>Why you should never talk to insurance adjusters right away</li>
<li>How accident reconstruction and legal teams uncover the truth</li>
<li>The emotional toll of recovery and learning you&rsquo;re not invincible </li>
</ul>
💡 If you&rsquo;ve ever wondered what really happens after a serious accident &mdash; or how to protect yourself &mdash; this episode will change how you see personal injury forever.
🔔 Subscribe for more unseen stories that pull back the curtain on real-life impact. &nbsp;📺 Watch on YouTube | 🎧 Listen on Spotify, Apple Podcasts, and more.
Some of the notable moments from this episode are:&nbsp;
0:00:00 | Intro: Hit by a Chevy Silverado.
0:01:01 | Crosswalk, blinky lights, and the moment of impact.
0:04:35 | Introducing client Ricky Sutherland.
0:08:48 | Ricky's experience and why he was in denial.
0:13:31 | Driving home in shock and the pain setting in.
0:17:54 | The "charming" adjuster and why a quick settlement is a mistake.
0:21:09 | The cognitive impairment and brain injury.
0:25:28 | The struggle to accept his injuries and the need for an MRI.
0:29:46 | Losing his stress relief: mountain running.
0:38:10 | Ricky's advice: Trust the experts and your support team.
0:41:45 | Girlfriend's candid realization: "I want that guy back."
0:44:09 | Final thoughts: You're not invincible.

The Auto Insurance Mistakes Costing You Thousands

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