>> "the willis report" is coming up next. thanks for watching. gerri: hello, i am gerri willis. tonight on "the willis report." as homeowner claims rise and natural disasters mount, insurance companies are becoming stingier with payouts. also, getting the best deal when you buy a used car. and your medical privacy. we have you covered tonight on "the willis report." our top story tonight is insurance companies becong stingier with payouts.

as residents pick up from the tornado this week in oklahoma, insurance experts warning that payouts will be smaller than recent years. with more of the cost being shifted onto homeowners, this and is happening in oklahoma, it is a trend allll over the count. the news couldn't come at a worse time. is year's hurricane season will be very active and it is just getting underway. the u.s. is expcted to have its fifth major hurricane thiyear. with us now is chip merlin. we have these victims of a horrific tornado. this really strong ef5 tornado. now, the residen are being told that ttey will get a small payout. >> first of all, the deductibles have been going up much more frequently than has happened

the past. policies are being rewritten. there is less coverage. it is a problem not just for homeowners and businesses as well. gerri: i sign my policy, am paying my deductibles, i am doing everything am supposed to do. how is it they can ratct the money on getting? >> i think it depends on the adviser that you have. there are insurance companies

coming back that are less rest inevitable. if you have a good advisor through the process and you have a good company, you're going to have a good and clean settlement. gerri: i've been covering this kind of thing for about seven years now starting way back with a hurricane in new orleans. i have seen more people who are unhappy with their settlements. then i see people who are happy. there's something there is something wrong with the system. what is it? >> well, i think that this statistics a misleading. >> is national flood does an audit and they finthat there has been overpayment, the field adjusters are goig to have to repay the national flood. so you know which way the payment is going and that is down. there are peop that have delayed payments, deny payments, very few people have been made whole. unfortunately in oklahoma

gerri: with a hurricane you ve wind and rain and multiple problems that go on. this should go like clockwork and be smooth. >> i'm certainly going to have problems. the private companies that are to write insurance there.

the risks are so high. checking out the graphic about storms taking a toll on ho much money these insuranccompanies are facing. this is insured losses. all you have to do is look at the chart here. it is a huge spike in companies are having to cover this. wh do you tell people who feel like i'm not being made whole here. do you negotiate, do you document, what is the right answer imax. >> well, the right answer is get the right insurance company, the right insurance if you can. then try to mitigate and get your home and businesses protected. and you have less severe disaster if you take up proper preparations. gerri: you mentioned that

deductibles have been going up. here's what the oklahoma insurance catastrophe tax court had to say. >> i know that you're going to hire an agent that you like. gerri: give me what i'm looking at. what am i looking for in a policy. >> you definitely want to nd a policy that is very comprensive. a homeowners policy is not a commodity. unfortunately it is not a home maintenance policy. we want to have a safe home you

have to take a little bit of a lower risk herriot. gerri: what do you do to make sure that they get the catastrophic coverage that they need? >> get the most radical agency and spent a lot of time get the adjuster. get a professional to help you. regular ones ar few and far between. catastrophe happens. gerri: documenting your losses, a lot of people don't know to do thank you for coming on tonight. it is so great to see you guys.

thank you so much. >> thank you. now we want to kno what you think. here's a queetion tonight. do insurance companies shortchange consumer. >> log onto gerriwillis.com, but on the right-hand side of the screen and i will share the results at the end of the show. listen to this one, my friends if you are feeling shortchanged, some are feeling shortchanged by obamacare. one of the biggest supporters of having buyers remorse. more and more labor unions are coming out publicly against president obaa's signature law. with more on this we have bradley graham, a former adviser to president geoe w. bush. is this the irony of ironies out there? >> they figured out what is in it, and now they want out of it.

like three dozen other businesses, but they are for they are now against and they want to opt out of it. >> we have seen not over and er agan. you know, it igood enough r you. let's get back to this issue of the unions. whathey are doing is they are for obamacare if they are helpless low income workers. so we will go along with you i you give us an advantage. please keep in mind that unions have gotten all kinds of ways -- they don't have to participate in some things. they have been eliminated from others. they have sweetart deals when they come to obamacare. but finally the administration is sing now. what do you make of that? >> obamacare is not popular today as it was when it wa passed. if you carve out exceptions for the union, you make it even more

unpopular. now you have 20 milio workers that these part-time and seasonal workers want to carve out. the union policies are turning to the nin saying, what are we paying you for? they're all about leveraging control. they want to, it's about time that the obama administratn says no to the union's. >> what is ieresting here is that does them at a disadvantage. it disadvantages everyone. becausthey realize that one of the few things they have to offer, potential new workers, part of his sweetheart health care deal. no one can afford it. >> that is right. the union workers go out to the marketplace and the drought the exchanges, that is what they will do. more importantly, these part-time and seasonal workers, maybe the employers themselves will drop them. and then the unions are left holding him or talking union

workers. can you imagine i? dropping the major coverage for union workers. gerri: brad, iuess all things come around. thank you for coming on tonight, it is good to you. well, we have more to come tonight. a lot more including illegal debate stemming from a tragedy. is the pittsburgh zoo is possible f the death of a toddler? and we answer the question how do you do that? should your car be new or used

thank you orville and wilbur... ...amelia... neil and buzz:

for teaching us that you can't create the future... by clinging the past. and with that: you're history. instd of looking behind... delta is looking beyond. 80 thousand of us investing billions... in everything from the best experiences below... to the finest comforts above. we're not simply saluting story... we're making it. gerri: we are looking out for you tonight as we do every night. it seems impossible, but used cars are out there. kelly blue book senior analyst

is here to give us insight. welcome back to the shell. it is interesting to me. i cannot believe how much ars cost this day. in such a short imefrme, what you now pay for a car used to pay for a house. is it a good time now to buy a used car? >> you know, it is. both new and used car pricing remained very strong. the average car is going to set you back 30,000 dollars and they use one will be aabout $21,000. what any dealer can tell you that over the last couple of years we have seen the strongest used car market we have seen over the last 10 or 20 years. it is part of the economy, it is tied to the fact that there has been a used c supply shortage, which is part of the significant cutback. used car prices are down about . and now is a etter time.

gerri: is it expected to get better? have you noticed? >> the best car prices are going to be wards the latter part of the summer months. gerri: let's talk about the cars that you think are a good deal used. starting with the honda accord lx. >> they just released a brand-new accord, setting the filter is on fire right now. they are looking for a great sale. a 2010 model is when heset you back about $15,000 overall. which is about $,000 cheaper than a brand-new model. with any honda, this thing is going to run for 150,000 miles pretty easily. a great deal for someone looking for a used car. gerri: let's talk abut the

nissan murano. >> a brand-new murano can set you back about dirty $5000 depending on the configuratn. 2010 model is $35,000 from a 10 to $15,000 savings. about $20,000 for a 2010 user model. thats about a thousand dollars cheaper. a great deal if you ne more space. >> we have a tweet from somebody who articulated the view that i3 know i hae. he says that i will never buy a new ca though i can well afford it. the cost of this is way too mu by a 2-year-old car with a warranty. >> we can did a great warranty. the car is going to last for a long time. how much of that car is valued and what goes awayhen you drive off the lot in a statement

that the great philosophy to hold. as soon as you drive it off the lot, depending on the category, you're likely to lose anywhere from five to 15% of the value right out of the gate. luxury cars are worse than that. it is terrible. the one exception i would like to point out, if you are looking for a smal car like a new civic, there are excetions tat are priced good. gerri: you also say that in some cases the difference between the pre at of a used car new car is maybe 20 or 30 bucks a month. so it's not reall that much. when you take into consideration that it has better gas mileage, baby break even. >> that is exactly right. if you look at small cars, he ford focus, esecially since those models were just redesigned. those 1-year-old used models

only when set you backbout $20 per month, versus buying a new car. the financing is better on the new car, especially when you consider fuel economy as he pointed out. oftentimes the new car is going to be barely more expensive it might be about breaking even after fuel savings. >> what great analysis. thank you for coming on today. >> thank you for having me on. have a great holiday weekend. it is time for a look at stories on fox business.com. the s&p 500 long with the other major indexes posted their first native week since mid april. the last few days i've read have beenlingering concern and that that is scaling back stimulus efforts. americans should find gas pris about the same as last year. the average price of gaswas about $3.65 per gallon last year. prices are predicted to be lower

after the holiays. everyone see to want a piece of the online video provider hulu. silverlake management made a separate bed, as did directv and guggenheim digital media. in a wedding dress for under $100. think about that. target is launching a new line of bridal gowns under $130. much cheaper than the averge $1200. target.com already has for wedding dresses, 10 bridesmaids dresses and some for your flower girl. those are the hot stories on fox business.com. later in the show, a wrapup of our privacy special. we will tell you how to keep your personal data safe fro the doctor's offi, pharmacy, and online. every parent's worst nightmare, a trip to the zoo ending in tragedy as a little boy was mauled to death

visit the zoo's fall? our legal panel weighs in coming up

gerri: com

rri: personal sponsibility. a family is suing the pittsburgh zoo after their 2-year-old son was mauled to death by african wild dogs. the toddler was in the exhibit on the railing that his mother placed them on. do the parents have a case? here to weigh-in is our fox news legal analyst.

do they have a case? >> they absolutely do because they have been warned by others. those who said this is dangerous. other employees say this is scary and dangerous. everyday moms and dads are putting their kids up and someone is going to fall down. >> unfortunately for th parents and the child, it's a very terrible thing to hapen. but the bottom line is this. you cannot have a zoo without regulations. to be in business, you have t meet all of these regulation counts. you saw the movie we bought a zoo with matt damon. gerri: were they keeping a watch? were they doing anything illegal? >> there is a concept called contributory negligence. i'm for the parents contributed to this problem by putting her over the railing.

>> they knew or should have known about what was going to happen. is a tragic story. at the end of the day, the mother puts the child on top of the railing, is not partly the mother's fall? >> one is the issue of negligence or contributory negligence. the other is if you're oing to take a child and put them on top of the railing,. >> even if the mother put the chilup there, which she did, and it was wrongandshe should get less money because of that, there's a safety net there. the child s uncing on the safety net. if the net wasn't even properly maintained. >> that is going to be an issue in the cse. the bottom line is that you cannot be in buiness and have a

few operating unless it has been inspected d thsetup needs the code. gerri: what an attorney is saying is that there was a dismal abysmal emergency response. >> ty saw this happening, and it was, what we do? >> this little kid fell from the railing into the snack. it was just hrrible. they stood around, saying we don't know what to do. that again is negligence. they should've known. they should've had people responding to a tragedy ike this that they could have foreseen. >> these are issues of fact. honestly, there has to be a been a mechanism to deal with all these issues and dealg with emergencies. it is a government one faility. that means essentialessential ly th they are going to have an opportunity to take a deposition were hearing. >> why were there no criminal charges filed? what does that tell you about this case? >> it is negligence rather than criminal acts. you can't really say -- i mean,

theyey had no safety net, bu at this point, it is a lower down statute that is negligence. >> the bottom line is that it could be like a criminal type of situation. involved. they want some $300,000. this is not going to make them whole. there's no way. money is not the answer. >> if you look at earning potential and ere is a wrongful death case, who knows what it's going to be. it's very tough. i think the lawyers are dealing with it on behalf of the family. >> if there's one good thing that can come out of this, they get the money, and others loo around and say we might want to fix this at the zoo so other kids don't die. >> i can guarantee you that they

are looking already. >> you do not want that to happen. gerri: a tragic story. interesting conversation and word of warning for pants out there. even if you think u are you're in a safe place, you might not be. coming up next, we are transitioning hard. is this a cheater golf putt? the latest move by the world of golf. and privacy investigation conninues. what we have learned this week and weekeed how you caprotect yourself going forward

♪ gerri: well, it is an issue we have been talking about all wee long, your private medical data exposed. everything about you fro your medical history, treatment, eve

your shopping habits out there for the highest bidder. the founder of a patient's privacy rights tells us this week just how much money you're private data is going for. the most valuable information about shoe in the delays is anytng about your mind or your body. for example, we know that socia security numbers can be bought for somewherbetween $0.50 and $5 apiece, but anything about your health information goes fo sale on a scale of $14 to $55. some people want to use the information to sell products. that is one thing. the far more dangerous problem is the use of this information by employers, banks, insurers, and others who can make decisions about us that will be humble to our jobs or futures.

gerri: such an extensive method of tracking people for affirmation it figured out a teenage girl was pregnant befor her own father even knew. >> if he's a target to but our credit card or if you open a target e-mail and bring that into the store, they try and track to you are am what you have bought in the past and teacher because they want to know things like who is pregnan and in one case a father came into a store and talked to the manager and said, i'd unrstand what is going on. you're sendi my daughter of these ups for cribs and she's 18 years old.uff. are you trying to encourage fair ? the manager was so apologetic. look, i'm sorry. i don't know what is happening. so embarrassed a couple of days i recall the said i want to apologize. a dad says, have become rescission with my daughter and it turns out to residents and activities we're not aware of i my household and she is due in august. gerri: can you imagine. of course insurers are jumping

in the action. monitoring your credit cards to see if you are staying healthy. >> all other member nation we are giving them voluntarily by signing up for things like corporate wellness programs where they will check thing like how many steps you will taken today and how often you'r going to the gym and they will put these monitors onyour wrists to track the information. gerri: dangerous, even deadly consequences arrive when thieve access to medical information. obamacare is poised to digitize and medical records is only escalating destroying problematical identity theft. the dirtor of the world privacy form tells us just w dangerous it is to storeeyour medical a information online. and there cofounder offered tip to keep your private aberration private. >> when you have additional medical file it is someing that can be stolen.

it is like walking out of a hospital with assfew files. what they want to do is embarrasthat the people and create fe bills for them that they can just like the money i this way they can me millions of dollars. the average game is $2 million up to one undermanned. >> even nastier insurance company, health insurance company for copy of the medical records. >> the actities of your accounts. you can see if everything check out as have already gone and ad all those procedures done.

let's get your cdit report, make sure all the cows that are open. gerri: continue a.m. the case. private data next week. an extra shows resist studies his step by medical data on line . looking at the business of limousines. why i thk it will stop cheaters and keep the game of school which is a positive next.

♪

gerri: golf traditional rejoice. this week both the united state golf association and the royal and agent to golf club agreed t have a ban against anchoring th putter, what i call that teache mother. to most of us it was an obvious decision, but it is n without blood back. hereo weigh and, a former tour pro and my instructor , a ntastic. i want to have a conversation about these, and i want you to show was, for examp, how these guys do it. now the experts are saying that would be cheating. >> a couple of ways they are using it. the most prolific and one that we sizes to couple of weeks ago was the anchors it against his chest, his sternum. his forearm stay close endangered, and this is stagnan and he simply instructs the bal

and a natural pendulum, but -- gerri: here's the thing,if you're ranked rt against her natural body, is in that cheating? >> that is a stance that the fb -- that we are taking. looking at the stance that they now 20 years after have been on the market and players have bee using them are saying, this is not adhering to the challenge o the game, that it should be a free-flowing. gerri: exactly. shld be up against seven that is stable or not moving. however, i have to say, that is my view for the pros. if you're like me, out there on the weekend, hitting the ball around, i could care less. >> and i think as lpga member, you know, we want people to enjoy the game. the really have to worry about this rule coming into affect on your everyday golf game? no. will yourclub and here to that rule?

they made. i don't think that the average golfer will have to worry too much about it. gerri: numerous prices. so i don't even know how to hol it. >> that would be the belly putter.. both hands on the club. either that way or you can do i yo traditional either way, but right into your belly, literally , and you just kind of let the arms move a little bit. that way it is creating a very natural pendulum with a very static arm that is not moving. gerri: i find them sort of unwieldy. >> they are little different. now, i used the belly putter fo a little while and found it would help me roll the ball well . interestingly, lead simpson who won the u.s. open with a belly putter stated help him with his distance control, but interestingly none of the guys that have been winning with his putter statistically cartop

letters on to work. gerr that is what you said, which makes me shocked. >> we had the debate saying, let's look this up. the best one on toward, number1 numberr32, jim clark. gerri: two is the best? >> tiger woods right now. bu adams got wind from in the the hundreds down to the 60's so, you know, are they getting great advantage because they wo a major and are not moving of the ran and putting? we could have decided that it was the opposite. maybe it just shows that they'r gulls striking is great because they put it well for the majors but until we see a greater percentage, i guess, really tipping the statistics i am not

sure there is a greater vantage. i think it is allowed the putte who is -- one that lacks confidence, it gave them some confiden. gerri: it is all abouwhat is between your ears. if you a nervous, if you cannot control your emotions, that is what screws up. >> and that has been the other debate. i want these guys to feel the real nurse of bei on the 18 th hole and a major, having tough ffee flow of putting stroke. i can tell you. i have had this up until my belly in the tournament. i was still shaky. i am not sure. gerri: the stock about that. you were on tour, my friend. you know this. >> everything st working in a 66 %.

you're up and down. you have to be a good putter. if this helps people putt well, so be it. gerri: you have opened my mind. i was a negative person, but no on not. thank you for coming on. great to have you here. thank you jiggs mess. a big designer business. stay with us. e oc

gerri: coming up next, hygiene manufacturing facility

♪ gerri: i am here in new york city in the workshop for making custom-fitted jeans here with scott morrison. the owner and entrepreneur. you work for every major design house. >> i started when i was 26. i came up for, at teeseven came up with a concept.

that was great. a couple of sps here in new york really out that all proces came the flavor of love. it was basically near which fabrics. gerri: this is old-fashioned. one we have 78 to 80 different, constantly rotating them. >> pick through the different fabrics. offer three typ of services. the first level where the numbe

of it's not the buttons and the rivets. gerri: of business where people underprice see every single day. patty compete with that? >> we tried to impede on the idea that will make that most successful. restart with like anything else privatization. we tried said create the experience the customer will never get anywhere else and quite frankly is startsshere an shop. the movie went to the back.

gerri: i want to see the workshop. the actual place for the genes are made. >> three years ago this could have never been changed. al doing whenever they're doing. it becomes something where people approach it the same way. for us in women's and and we're focused on a combination of mixed materials. one of the big things we're seeing i silhouettes against. we love a lot of stressed applications and mixing terials. we'relso seeing trends in vintage nim come back f spring. cover shorts. women's jeans start at $195 retail. regular ready to wear jeans.

that denim f men, $65 retail. then when you go into a custom-made gene youe looking at five and half to 750 depending upon the fabric and complexity and then it's really a one time fee. so that process starts at 1200. a onetime charge. basically we make a pattern for you, digitize the pattern and keep it on file so when y want to order something custom-made instead of our faiths you would order your own personal pattern. gerri: hopefully you don't gain any weight. >> cells that issue. a couple of different versions. washed black, one reims. this is the one rents which is just washed once. external wash. and then a vintage garment for

women. all this fabric, is is probably one of my favorites. gerri: i want to try it. >> us it. gerri: i will try these on. the jeans look great. boss and jeans. thank you so much. my ppeasure. thankou for coming in. it. gerri: made right here in the u.s. weill be right back with the answer our question of the day. shortcnge consumers. my $0.2 more on your medical privacy and we have learned fro our week-long series of what is to come. n't go away. ♪ thank you orville and wilbur... ...amelia... neil and buzz: for teaching us that you can't create the future... by clinging to the past. and with that: you're history. instead of looking behind... delta is looking beyond. 80 thousand of us investing billions... in everything from the best experiences below...

to the finest comforts above. we're not simply saluting history... we're making it.

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wanted and are paying billions to get it. defrosters wanted to, and they are having an easier time getting it. medical records are especially vulnerable. so much of it is now electronic. the government's top officials say this week we have reached a tipping point. yesterday that government cid hundreds of companies for losin health records. also this week we told you stories of the minneapolis area that you found that his daughte was pregnant after a tget started sending promotions for baby clothes to their house. do something to proct yourself . we will tk more about that in the days and weeks ahead. in the meantime, more private some rights notices, you can us these to prevent companies from sharing, that is what the college, were, in truth, sellin your permission. that is my "2 cents more". coming up monday, our howdy you do that our from six to nine eastern. we answer all your pressing questions. that's it for tonight on "the

willis report". thank you for joining g us. have a great holiday weekend. ♪ sheinkopf, thank you all for being here. good night from new york. neil: it is time to tell our thoughts. welcome, i am neil cavuto. here's how bad the scandalous are getting. eric holder is investing himself. he is revealing how his justice department went about targeting ap and fox news reporters even ough we now know itwas eric holder himself okay targeting our collie, james rosen.