anybody in that household that has u.m. coverage stacks on top of that. because of u.m. coverage is stacked. >> wow. >> so if you're injured, you definitely need this kind of coverage. >> this is why it's great to have you here 'cause you're not just an attorney. before this you were working for the insurance companies. >> i was. >> so you know the ins and outs of this. you know how the system is if i neagleed and how you can use it to your best advantage. >> absolutely. it's sad that so many people don't understand that. i ran into attorneys that didn't know that. >> wow. >> i've really established firm. had a death case, had no idea they were telling them is this is all the coverage there is. they came to us, we got them 200,000 more in u.m. coverage. >> wow (that was a grandson and a daughter in the same household and we stacked their coverage. >> my goodness. the system is almost confusing on purpose perhaps. so being able to clear up the haziness and try to figure out we sent him here to fix it. but congressman joe heck became part of the problem. wall street invest