lis wiehl, hank this. >> "the willis report" is coming up next. thanks for watching. rri: hello, i am gerri willis. tonight on "the willis eport." 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 becoming 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 is and is happening in oklahoma, it is a trend all over the country. the news couldn't come at a worse time. this year's hurrican season will be veryactive and it is just getting underway. the u.s. is expected to have its fifth major hrricane this year. with us now is chip merlin. we have thse victims of a horrific tornado. this really strong ef5 tornado. now, the residents are being told that tt will get a small payout. >> first of all, the deductibles have been going up much more frequently than has happened in

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, i am paying my deductibles, i am doing everything am supposed to do. how is it they can ratchet 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 yu have 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 ay back with a hurricane in neworleans. 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 are misleading. >> is national flood does an audit and they find that there has been overpayment, the field adjusters are going to have to repay the national flood. so you know which wayhe payment is going and that is down. there are people that have delayed payments, deny payments, very few people have been made whole. unfortunately in oklahoma.

gerri: with a hurricane you have 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 how much money these insurance companies are facing. this is insured losses all you have to do is look at the chart here. it is a huge spike in companies e having to cover this. what do you tell people who feel like i'm not beingade 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 tryto 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 mewhat i'm looking at. what am i looking for in a policy. >> you definitely want to find a policy that is very comprehensive. a homeowners policy is not a commodity. unfortunately it is not home maintenance polcy. 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 are few and far between. catastrophe happens. gerri: documenting your losses, a lot of people don't know to do this. thank you for coming on tonight. it is so great to see you guys.

thank you so much. >> thank yo. now we want to know what you think. here's a queetion tonight. do insurance companies shortchange consumer. >> log onto gerriwillis.com, but onhe right-hand side of the screen and i will share the results at the end of the show. listen to this onemy 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 obama's signature law. with more onhis we have bradley graham, a former adviser to president george 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 over again. you know, it is good nough for you. let's get back to this issue of the unions. what they are doing is they are for obamacare if they are helpless low income workers. so we will go along with you if you give us an advantage. please keep in mind that unions have gotten all kinds of ways -- they don't have to parcipate in some things. they have been elimined from others. they have sweetheart deals when they come to obamacare. but finally the administration is saying now. what do you make of that? >> obamacare is not popular today as it was when it was passed. if you carve out exceptions for the union, you make it even more

unpopular. now you have 20 million workers that these part-time and seasonal wor out. the union policies are turning to the nixon saying, what are we paying you for? they're all about leveraging control. they want to, it's about time that the obama administation says no to the union's. >> what is interesting here is that does them at a disadvantage. it disadvantages everyone. because they realize that one of the few things they have t offer, potential ew workers, part of his sweetheart health care deal. no one can affor it. >> that is rght. 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, i guess all things come around. thank you for coming on tonight, it is good to you. well, we have more to co tonight. a lot more including illegal debate stemming from a tragedy. is the pittsburgh zoo is possibleor the death of a toddler? and we answer the question how do you do that? should your car be new or used ♪ [ male announcer ] a car that can actually see like a human

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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 toe. i cannot believe how much cars cost this day. in such a short timeframe, 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 a they use one will be about $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 ipart of the economy, it is tied to the fact that there has been a used car supply shortage, which is part of the significant cutback. used car prices are down about 2%. and now is a better time.

gerri: is it expected to get better? have you noticed? >> the best car prices are going to be towards the latter part of the summ months. gerri: let's talk about the crs that you think are a good deal used. starting with the honda accd 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 he set you back about $15,000 overall. which is about $10,000 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 about the

nissan murano. >> a brand-new murano can set you back about dirty $5000 depending on the configuration. 2010 model is $35,000 from a 10 to $15,000 savings. about $20,000 for a 2010 user model. that is about a thousand dollars cheaper. a great deal if ou need more space. >> we have a tweet from somebody who aticulated the view that i3 know i have. he says that i will never buy a new car, though i can well afford it. the cost of this is way too much. by a 2-year-old car with a warranty. >> we can did a great warranty. the car is going to last or a long time. how much of that car is valued and what goes away when 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 eeption i would like to point out, if you are looking for a small car like a new civic, there are exceptions that are priced good. gerri: you also say at in some cases the difference between the price at of a used car new car is maybe 20 or 30 bucks a month. so it's not really that much. when you take into consideration that it hasbetter gas mileage, baby break even. >> that is exactly right. if you look at small cars, the ford focus, especially since those models were just redesigned. those 1-year-old used models

only when set you back about $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 along with the other major ndexes posted their first native week since mid april. the last few days i've read have been lingering concern and that that is scaling back stimulus efforts. americans shuld find gas prices about the same as last year. the average price of gas was about $3.65 per gallon last year. prices are predicted to be lower

after the holidays. everyone seems to want a piece of the online videoprovider hulu. silverlake management made a separate bed, as did directv and guggenheim digital media. in a wedding dress for under $100. think about that. rget is launching a new line of bridal gowns under $130. much cheaper than the average $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 from the doctor'soffice, pharmacy, and online. every parent's wor 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 our legal panel weighs in coming up copd makes it hard to breathe... but with advair, i'm breathing better. so now i can help make this a great block party. ♪ [ male announce ] advair is clinically proven to help significantly improve lunfunction. unlike most copd medications, advair contains both an anti-inflammatory and a long-acting bronchodilator working together to help improve your lung functionll day. advair won't replace fast-acting inhalers for sudden symptoms and should not bused more than twice a day. people with copd taking advair mahave a higher chance of pneumonia. advair may incrse your risk of osteoporosis some eye prlems. tell your doct if you have a heart condition or high blood pressure before taking advair. ask your doctor if including advair could help improve your lung function. [ male announcer ] advair diskus fluticasone propionate and salmeterol inhalation powder.

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rri: com

gerri: personal reponsibility. 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 exhibi on the railing that hi 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 this is scary and dangerous. everyday moms and dads are putting their ids up and someone is going to fall down. >> unfortunately for the parents and the child, it's a very terrible thing to happen. but the bottom line is this. you cannot have a zoo without regulations. to be in business, youhave to 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 coributory 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. this is a tragic story. at the end of the day, the mother puts the child on top of the railing,is not artly the mother's fall? >> one is the issue of negligence or contributory negligence. the other is if you're going to take a child and put them on top of the railing,. >> even if the mother put the child up there, which she did, and it was wrong and she should get less money because of that, there's a safety net there. the child was bouncing on the saty net. ifhe net wasn't even properly maintained. >> that is going to be an issue in the case. the bottom line is that you cannot be in business and have a

few operating unless it has been inspected and the setup needs the code. gerri: what an attorneyis saying is that there was a dismal abysmal emergency response. >> they saw this happening, and it was, what we do? >> this little kid fell from te railing into the snack. it was just horrible. they stood around, saying we don't know what to do. that again is negligence. they shod've known. they should've had people responding to a tragedy like this that they could have foreseen. >> these are issues of fact. honest, there has to be a been a mechanism to deal with all these issues and ealing with emergencies. it is a government one facility. that means essentialessential ly that they are going to have an opportunity to take a deposition were hearing. >> why were the 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,

they had no safety net, but at this point, it is lower down statute that is negligence. >> the bottom line is that it could be like a criminal type o. 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 there 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 this, they get the money, and others look 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 a word of warning for parents out there. even if you think you are you're in a safe plac you might not be. coming up next, were 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 can protect yourself going forward i'm so glad you called. thank you. we're not in london, are we? no. why? apparently my debit card is. what? i know. don't worry, we have cancelled your old card. great. thank you. in addition to us monitoring your accounts for unusual activity, you could also set up free account alerts. okay.

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vo: ta friend under water is end usomething completelyifferent.ut i met a turtle friend today so, you don't get that very often. it seemed like it was re than happy to have us in his home.

so beautiful. avo: more travel. more options. more personal. whatever you're looking for expedia has more ways to help you find yours. ♪ gerri:well, it is an issue we have bn talking about all week long, your private medical data exposed. everything about you from your medical hisry, treatment, even

your spping habits out there for the highest bidder. the founder of a patient's privivacy rights tells us this week just how much money you're private data is going for. >> the most valuable informatio about shoe in the delays is anything about your mind or you body. for example, we know that socia security numbers can be bought for somewhere between $0.50 and $5piece, but anything about your health information goes fo sale on a scale of $14 to $55. some people want to use the formation to sell products. that is one thing. thefar more dangerous problem is the use of this information by employs, 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 understand what is going on. you're sending my daughter of these coupons for ibs and diapers and baby stuff. she's 18 years old. 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 recalthe said i want to apologize. a dad says, have become rescission with my daughternd 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 things like how many steps you will taken today and how often you'r going to the gym and they will put these monitorson your 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 i only escalating destroying problematical identity theft. the director of the world privacy form tes us just how dangerous it is to storeeyour dical a information online. and thereofounder offered tips to keep your private aberration private. >> when you have additional medical file it is mething that can be stolen.

it is like walking out of a hospital with assfew files. what they want to do is embarrass that the people and create fake bills for them that they can just like the money in this way they can makemillions of dollars. the average game is $2 million up to one undermanned. >> even nastier insurance company, health insurance company for copy of the mecal records. >> the activities of your accounts. you can see if everythg checks out as have alrdy gone and add all those procedures done.

let's get your credit 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 think it will stop cheaters and keep the game of school which is a positive next. ♪ [ slap! ] [ slap! slap! slap! slap! ] ow! ow! [ male announcer ] your favorite foods fighting you?

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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 the putter, whati call that teacher mother. to most of us it was an obvious decision, but it is not without blood back. here to weigh and a former tour pro and my instructor , a fantastic. i want to have a conversation about these, and i want you to sh wasfor example, 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 cht, his sternum. his forearm stay close endangered, and this istagnant and he simply instructs the bal

and a natural pendulum, but -- gerri: here's the thing, if you're ranked rant 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 e market and players have been using them are saying, this is not adhering to the challenge o the game, that it should be a free-flowing. gerri: exactly. should be up against seven that is stable or n movg. 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 your club and here to that rule?

they made. i don't thi that the average golfer will have to worry too much about it. gerri: numers prices. so i don't even know how to hol it. >> that would be the belly putter. both hands on the club. either that wayr you can do it your traditional either way, bu 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 fin them sort of unwieldy. >> they are little different. now, i used the belly putter fo a little while an found it would help me roll the ball well . interestingly, lead simpson who won the u.s.pen 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 carp

letters on to work. gerri: that is what you said, which makes me shocked. >> we had theebate saying, let's look this up. the best one on toward, number 19, ernie els, the next e is numberr32, jim clark. gerri: two is the best? >> tiger woods right now. but 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 ranks and putting? we could have decided that it was the posite. maybe it just sws that they're 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 no

sure there is a greater vantage. i think it is allowed the putte who is -- one that lacks confidence, it gave them some confidence. gerri: it is all about what is between your ears. if you are nervous, if you cannot control your emotions, that is what screws up. >> and that has beenhe other debate. i want these guys to feel the real nurse of being 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 worng in a 66 %.

you're up a down. you have to be a good putter. if this helps people putt well, so be it. gerri: u 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 jigglemess. a big designer business. stay with us. [ engine revving ] ♪

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gerri: coming up next, hygiene manufacturing facility

♪ gerri: i am here in new yk city in the workshop for making custom-fitted jeans here with scott morrison. the owner and entrepreur. 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 shops here inew york really out thatall process came the flavor of love. itas basically near which fabrics. gerri: this is old-fashioned. one we have 78 to 80 different constantly tating them. >> pick through the different fabrics. offer three typesof 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 anythinglse privatization. we tried said create the experience theustomer 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 agohis could have never been changed. al doing whenever ty'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 is silhouettes against. we love a lot of stressed applications and mixing materials. we're also seeing trends in vintage denim come back for spring. cover shorts. women's jeans start at $195 retail. regular ready to wear jeans.

that denim for men, $65 retail. then when you go into a custom-made ge you're looking at five and half to 750 depending upon the fabric and complexity. and then it's really a one time fee. a onetime charge.tarts at 1200. basically we make a pattern for you, digitize the pattern and keep it on file so when you wan to order something custom-made instead of our faiths you would order your own personal paern. gerri: hopefuy 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, th is probably one of my favorites. gerri: i want to try it. >> us do it. gerri: i will try these o the jeans look great. boss and jeans. thank you so much. >> my ppeasure. thank you for coming in. it. gerri: made right here in the u.s. we will be right back with t answer our question of the day. shortchange consumers. my $0.2 more on your medical privacy and we have learned fro our week-long series of what is to come. don't go away. ♪ we went out and asked peoplple a simple question: how old is the oldest person you've known? we gave people a sticker and had them show us. we learned a lot of us have known someone who's led well into their 90s. and that's a great thi. but even though we're living longer, one thing that hasn'thanged much is the official retirement age. ♪

the question is how do you make sure you have the money you ne to enjoy all of these years. ♪ ...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... tohe finest comforts above we're not simply saluting history... we're making it. it's delicious. so now we've turned her toffee into a business. my goal was to take an idea and make it happen. i'm janet long and i formed my toffee company through legalzoom. never really thought i would make money doing what i love.

[ robert ] we created legalzoom to help people start their busine and launch their dreams. go to legalzoom.com today and make your business dream a reality. at legalzoom.com we put the law on your side.

♪ gerri: finalltonight, i know about our coverage this week on medical privacy. information about buses were a lot of money and companies

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 cited 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 target started sending promotions for baby clothes to their house. do something to protect yourself . we will talk more aboutthat 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 s to nine eastern. we answer all your pressing questions.

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