>> "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 becoming stingier with payouts.

as resents 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 hurricane season will be very active and it is just getting underway. the u.s. is expected to have its fifth major hurricane this year. with us now is cip merlin. we have these victims of a horrific tornado. this really strong ef5 tornado. now, the residents are being told that ttey will get a small payout. >> first of all, the deductibles have beegoing up much more frequely than has happened in

the past. policies are being rewritten. there is less coverage. it is a problem not ju for homeowners and business as well. gerri: i sign my policy, i am paying my deductibles, i am doing everyththing am supposed o 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 you have a good company, you're going to have a gooand 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 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 naional flood. so you know which way the payment is going and that is do. 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 loes. all you have to do is look at the chart here. it is a huge spike in companies are having to cover his. what 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 insurancecompany, 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 find a policy that is very comprehensiv 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 hey get the catastrophic coverage that they need? >> get the most radical agency and spent a lot of time get the adjuster. g 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 you. now we want to know 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 suprters of having buyers remorse. more and more labor unions are coming out publicly against president obama's signature law. with more on this 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 sinesses, 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 enough 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 havave to participate in some things. they have been eliminated 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 theseartime and seasonal workers want to carve out. the unionpolicies 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 administration 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 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, i guess 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 for the death of a toddler? and we answer he questio ho do you do that? should your car be new or used are you still sleeping?

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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 to me. 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 icing remained very strong. the average car is going to set you back 30,000 dollars and 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 ov the last 10 or 20 years. it is part 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? >> theest car prices are going to be towards the latter part of the summer months. gerri: let's talk about the cars that you think are a good deal used. starti 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 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 brandew 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 you need more space. >> we have a tweet from somebody who articulatedhe view that i3 know i have. he says that i willnever 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 for a long time. how much of th 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 om five to 15% of the value ght 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 small car like a new civic, there are exceptions that are priced good. gerri: you also say that 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 noteally that much. when you take into consideration that it hs better 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 t 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 gre holiday weekend. it is time for a look at stories on fox business.com. the s&p 500 along with the other major indexes 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. american should find gas prices about the same as last year. the average price of gas was about $3.65 per gallon last year. prices are prected to be lower

after the holidays. everyone seems 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 average $1200. taet.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's office, 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 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. 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. [ female announcer ] at wells fargo we're working around e clock to help protect your money and financial information.

here's your temporary card. welcome back. how was london? [ female announcer ] when people talk, great things happen. if you have high cholesterol, here's some information that may be worth looking into. in a clinical trial versus lipitor, crestor got more high-risk patients' bad cholesterol to a goal of under 100. getting to goal is important, especially if you have high cholesterol plus any of these risk factors because you could be at increased risk for plaque buildup in your arteri over time. and that's why when diet and exercise alone aren't enough to lower cholesterol i prescribe crestor. [ female nounr ] crestor is not right for everyone. like people with liver disease or women who are nursing, pregnant or may become pregnant. tell your doctor about other medicines you'reaking. call your doctor right away if you have muscle pain or weakness, feel unusually tired, have loss of appetite, upper belly pain, dark urine or yellowing of skin or eyes. these could be signs of rare but serious side effects. is your cholesterol at goal?

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gerri: personal responsibility. 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 gal 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 someonis going to fall down. >> unfortunatelyor 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, you have 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 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. this is a tragic story. at the end of the day, he mother puts the child on top of the railing, is not partly the mother's fall? >> one is the issue of neggence 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, ich she did, and it was wrongand she should get less money because of that, there's a safety net there. the child was bouncing on the safety net. if the net wasn't even properly maintained. >> that is going to be aissue 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 attorney is 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 the railing into the snack. it was just horrie. theytood 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 like 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 dealing 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 there no criminal charges filed? what does that tell you about this case? >> it isegligence rather than criminal acts. you can't really say -- i mean,

they had no safety net, but at this point, it is a lower down statute that is negligence. >>he 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 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 of 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 youare 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 t world of golf. and privacy investigation conninues. what we have learned this week and weekeed how you caprotect yourself going forward my mother made the best toffee in the world. 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 loveve.

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your shopping habits out there for the highest bidder. the founder of a patient's privacy righ 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 secuty numbers can be bought for somewhere between $0.50 and $5 apiece, but anything about your health information go for sale on a scale of $14 to $55. some people want to use the information to sell products. that is one thing. th 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 affirmatioit 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 y 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 understan what is going on. you're sending my daughter of these coupons for cribs and diapers and baby stuff. she's 18 years old. are you trying to enurage 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 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 aretaying 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 monitors on 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 is only escalati destroying problematical identity theft. the director of the world privacy form tells us just how 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 something that can be stolen.

it islike walking out of a hospital withssfew 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 make 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 activities of your accounts. you can see if everything check out as have already gone and ad 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 limoines. why i think it will stop cheatersand keep the game of school which is a positive next.

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gerri: golf traditional reice. this week both the united state golf association and the royal and agent to golf club agreed t have a ban agait anchoring the putter, what i call that teache mother to most of us it was an obvious decision, but it is not without blood back. here to weigh and, a former tou pro and my instructor , a fantastic. i want to have a conversation about these, and i want you to show was, for example, how thes 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 rant against her natural body, is in that eating? >> 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. should 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 lf game? no. will your club 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. >> tt would be the belly putter. both nds on the club. either that way or you can do i your traditional either way, bu right into your belly, literally , and you just kind of let the arms move a lite bit. that way it is cating a very natural pendulum with a very static arm that i 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 interestily none of the guys that have been winning with his putter statistically cartop

letters on to work. gerri: that is what you said, which makes me shocked. >> we had the debate saying, let's look this up. the best one on toward, number 19, ernie els, the next one 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 gettg a great advantage because they wo a major d are not moving of the ranks and putting? we could have decided that it was e 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 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 been the 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, m friend. you know this. >> evething 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 jiggles mess. a big designer business. stay with us. e oc thank you orville and wilbur... ...amelia... neil and buzz:

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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 shops 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 types of services. the first level wher the number

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 e 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 is silhouettes against. we love a lot of stressed applications and mixing materials. we're also seeing trends in vintage denim comeack 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 gene you're looking at five and half to 750 depending upon the fabric and complexity. and then it's really a one time fee. so that processstarts at 1200. a onetime charge. 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 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, this is probably one of my favorites. gerri: i want to try it. >> us do it. gerri: i will try these on. the jeans look great. boss andeans. thank you so much. >> my ppeasure. thank you for coming in. it. gerri: made right here in the u.s. we will beight back with the 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. ♪ all stations come over to mission a for a final go. this is for real this time. step seven point twone two. rify and lock. command is locked. five seconds. three, two, one.

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♪ gerri: finally tonight, i know about our coveragthis 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 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 us. have a great holiday weekend. ♪ ♪ lou: hello, everybody, and than you for being with us. these people are swearing to tell the truth in front of the house oversight committee, although not many americans are expected to believe them, and this woman, lerner, the woman a the center of the ira scandal did the unthinkable for a supposedly public servants. >> i have been advised my counsel to assert my constitutional right not to testify or answer questions related to the subject matter o this hearing. lou: lerner took the fifth and refuse to answer questions afte pleading her case for a series of denials and deflections abou the lawfulness of her actions.