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What Do You Mean It's Totalled??!! · Armstrong & Getty One More Thing

• 0:00
  Speaker 1: What do you mean it's totaled.
• 0:01
  Speaker 2: It's one more thing.
• 0:05
  Speaker 3: One more thing.
• 0:07
  Speaker 4: I always love it when it's a staff led One
• 0:10
  Speaker 4: more Thing podcast is Michael's got his story in a
• 0:12
  Speaker 4: moment before we get to John Stewart interviewing Elmo, why
• 0:16
  Speaker 4: was Elmo in the news or does he explain that
• 0:17
  Speaker 4: in the setup here?
• 0:18
  Speaker 5: Elmo's in the news for something.
• 0:19
  Speaker 6: Elmo went rogue on Twitter. He got hot, he got hacked,
• 0:23
  Speaker 6: or so he says, and started saying that we should
• 0:26
  Speaker 6: kill the Jews.
• 0:27
  Speaker 2: Right, of course, everybody claims, oh I got hacked. Elmo's
• 0:30
  Speaker 2: a Nazi.
• 0:31
  Speaker 5: Allegedly, Elmo and Groc both went after the Jews in
• 0:34
  Speaker 5: the same week.
• 0:35
  Speaker 2: Yep, little red Elmo's a brown shirt. What do you know?
• 0:39
  Speaker 5: John Stewart on The Daily Show talked to Elmo and
• 0:43
  Speaker 5: after a hacker posted racist and anti Semitic remarks to
• 0:46
  Speaker 5: the Sesme Street characters, ex.
• 0:48
  Speaker 3: Account, Elmo, you know what we're here to talk about,
• 0:57
  Speaker 3: oh Jews.
• 1:00
  Speaker 6: That's right.
• 1:01
  Speaker 3: Elmo was radicalized by the Mano sphere. Elmo is part
• 1:09
  Speaker 3: of the male loneliness epidemic. You see what happened was
• 1:19
  Speaker 3: Almo was doing his own research on.
• 1:22
  Speaker 2: Flu shots.
• 1:26
  Speaker 5: Six hours later, because of the algorithm, Elmo was moderating
• 1:32
  Speaker 5: the Q and on.
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  Speaker 7: Discord chat.
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  Speaker 2: And building homemade bombs.
• 1:41
  Speaker 5: Oh wow, so wo mano sphere. I don't know if
• 1:46
  Speaker 5: I've heard of that term. Oh yeah, yeah, meaning.
• 1:53
  Speaker 2: Oh my gosh, this stuff just exhausts.
• 1:55
  Speaker 5: Me each other online.
• 1:57
  Speaker 2: Yeah that and like you you're what's what's the alleged
• 2:01
  Speaker 2: rapist in five different countries?
• 2:04
  Speaker 5: Brothers?
• 2:05
  Speaker 2: Oh yeah, Tate brothers. Yeah, and just like hyper masculine
• 2:14
  Speaker 2: down with women, hardcore new right, angry online thing. We're
• 2:23
  Speaker 2: you going to contribute something.
• 2:24
  Speaker 6: Just anti feminist. They're super anti feminist.
• 2:28
  Speaker 2: Only Yeah, it kind of depends what you mean by that,
• 2:30
  Speaker 2: but yeah, yeah, in kind of a corrosive way.
• 2:33
  Speaker 5: And then what was that next? The no, the next phrase,
• 2:41
  Speaker 5: the manisphere was like the men young men, single, lonely.
• 2:45
  Speaker 6: Men, the loneliness epidemic, the.
• 2:47
  Speaker 5: Loneliness epidemic among men. Okay, yeah, has got part to
• 2:51
  Speaker 5: do with the manisphere. That's part of the in cell
• 2:54
  Speaker 5: crowd thing, right, the whole Well, they're all.
• 2:57
  Speaker 2: Kind of overlapping, but yeah, yeah, and a lot of
• 3:01
  Speaker 2: this stuff has a fair amount of legit to it
• 3:04
  Speaker 2: always takes it completely over the top. I mean young
• 3:07
  Speaker 2: men trying to find a sane young woman who'd like
• 3:09
  Speaker 2: to be in a relationship. It's a challenge.
• 3:13
  Speaker 5: But now, if you were like me when I was
• 3:16
  Speaker 5: a teenager alone, woman wise, girlfriend wise, I would be
• 3:23
  Speaker 5: convinced by the Internet to blame it on other forces,
• 3:26
  Speaker 5: not just my lack of game. Well, either the Jews
• 3:32
  Speaker 5: or one.
• 3:34
  Speaker 2: Party or the other, or some certain as certain as
• 3:37
  Speaker 2: a person can be, that the Jews played no role
• 3:41
  Speaker 2: in any lack of dating success. Sorry, Elmo, Right, that
• 3:49
  Speaker 2: is a pretty funny bit.
• 3:50
  Speaker 5: Yes, I was. Okay, So what do you mean it's
• 3:53
  Speaker 5: total Michael says, yeah.
• 3:57
  Speaker 1: So I'm driving on the highway and I think I
• 3:58
  Speaker 1: may have told you this.
• 4:00
  Speaker 7: I got hit by a nineteen year old kid who
• 4:02
  Speaker 7: was uninsured, had no car insurance whatsoever. So I end
• 4:07
  Speaker 7: up taking my car to the body shop. I've got
• 4:09
  Speaker 7: car insurance, so I'm fine. And so I got a
• 4:11
  Speaker 7: rental car. I've been driving a rental car for the
• 4:13
  Speaker 7: you know, a week or two. So they I go
• 4:16
  Speaker 7: into the body shop and they say, okay, it's gonna
• 4:19
  Speaker 7: be about ten thousand dollars to repair. This is what
• 4:21
  Speaker 7: we're gonna have to pay but you have a five
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  Speaker 7: hundred dollars deductible, you'll pay five hundred dollars.
• 4:24
  Speaker 1: I said, great.
• 4:27
  Speaker 7: So nothing happens, and then like three days later, they say, hey,
• 4:30
  Speaker 7: we need you to come back into the body shop.
• 4:32
  Speaker 1: I come in. They've got a new estimate for me.
• 4:34
  Speaker 7: They say, just so you know, the car's now going
• 4:35
  Speaker 7: to be sixteen thousand dollars to repair. You're still going
• 4:39
  Speaker 7: to pay five hundred dollars. I say, okay, fine. So
• 4:42
  Speaker 7: I'm waiting waiting and I don't hear from these people,
• 4:44
  Speaker 7: and so I call them.
• 4:46
  Speaker 1: And say, hey, what's happening with my car.
• 4:48
  Speaker 7: They said, well, we haven't heard from the insurance company,
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  Speaker 7: so we're waiting. The next day, I get a call
• 4:53
  Speaker 7: from my insurance company. They say, oh, yeah, your car's totaled.
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  Speaker 7: We're just going to send you a check. And so
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  Speaker 7: I get a check for twenty three thousand dollars for
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  Speaker 7: my car, which I bought the car for twenty seven
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  Speaker 7: thousand dollars. And the point is is that cars have
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  Speaker 7: moved up so much in price that it is now
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  Speaker 7: when a car gets totaled or just you know, maybe
• 5:18
  Speaker 7: dented or crash, they don't even prepare it anymore. They're
• 5:21
  Speaker 7: just writing people checks. I had somebody explain this to
• 5:24
  Speaker 7: me once, but my memory is vague. I can't imagine
• 5:27
  Speaker 7: why they would say, no, we're not going to pay
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  Speaker 7: the fifteen to five to have it fixed.
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  Speaker 2: We'll just pay twenty three and you can call it good.
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  Speaker 2: I mean, that doesn't make any sense.
• 5:41
  Speaker 7: I guess this is happening a lot now, So sure
• 5:43
  Speaker 7: does it work?
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  Speaker 5: Though? Since that other person didn't have insurance, your insurance
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  Speaker 5: is picking up the tab. Aren't they going to raise
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  Speaker 5: your rates?
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  Speaker 7: I hope not, But yeah, I had to pay. I
• 5:51
  Speaker 7: was supposed to pay the five hundred dollars. I was
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  Speaker 7: just out of the cause.
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  Speaker 5: You know, I don't know if you ask, but like
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  Speaker 5: I when I, uh, what which which are my crashes?
• 5:59
  Speaker 5: I've had so won my fault, the other's other people's
• 6:03
  Speaker 5: fault in the last couple of years. I talked to
• 6:05
  Speaker 5: my insurance guy and he said, yeah, I mean, it'd
• 6:07
  Speaker 5: be in the long run, it'd be cheaper to just
• 6:09
  Speaker 5: pay to fix it yourself. Because this is how much
• 6:12
  Speaker 5: it's going to go up. If you like my motorcycle wreck,
• 6:16
  Speaker 5: I paid eight grand out of pocket to fix my
• 6:18
  Speaker 5: motorcycle because it would have cost more in the long
• 6:21
  Speaker 5: run to have my insurance go up for all my vehicles.
• 6:26
  Speaker 5: Blah blah blah.
• 6:28
  Speaker 2: Yeah, I was more familiar with the being shocked that
• 6:31
  Speaker 2: they quote unquote totaled it in the era of low
• 6:34
  Speaker 2: use car values, because what would happen is you'd get
• 6:38
  Speaker 2: a ten thousand dollars estimate and your company'd say, well,
• 6:40
  Speaker 2: your car's only worth ninety five hundred bucks, so it's total.
• 6:44
  Speaker 2: Don't get it fixed. Here's the value. Go do whatever
• 6:46
  Speaker 2: you want. I gave get that.
• 6:48
  Speaker 5: But our executive producer Mike Hanson appears to be very
• 6:51
  Speaker 5: animated to join this conversation for Somery Carbuff notably Carbuff. Yes,
• 6:57
  Speaker 5: and he's having trouble getting his headphones situated car.
• 7:01
  Speaker 2: It's very complicated. You got one on the right ear,
• 7:03
  Speaker 2: one on the left ear.
• 7:05
  Speaker 6: There's a cord.
• 7:06
  Speaker 5: The whole fiction in your car thing is such a
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  Speaker 5: freaking scam. I mean, you have the tiniest dent in
• 7:11
  Speaker 5: the left rear and they want to replace, well, we're
• 7:13
  Speaker 5: gonna have to replace the pin striping, and then the
• 7:15
  Speaker 5: plastic thing here and then the where it says Camaro
• 7:18
  Speaker 5: or whatever it is on your car, and we got
• 7:20
  Speaker 5: to get a new one of those two Why why
• 7:21
  Speaker 5: do you have to get a new one of all
• 7:23
  Speaker 5: of those things?
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  Speaker 2: You go to another place and they'll say, no, we
• 7:25
  Speaker 2: don't have to do that.
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  Speaker 5: That's crazy.
• 7:27
  Speaker 2: I did do this and reuse blah blah.
• 7:28
  Speaker 5: I did no paint dent repair on one of my
• 7:31
  Speaker 5: vehicles recently. And that's when they come out with these
• 7:33
  Speaker 5: suction cups and everything to your house and pry out
• 7:36
  Speaker 5: the dent the best they can and you could barely tell.
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  Speaker 5: And it cost me five hundred dollars on something that
• 7:42
  Speaker 5: at the dealership they told me it was going to
• 7:44
  Speaker 5: be eight grand, And for five hundred bucks, I had
• 7:47
  Speaker 5: the dent pulled out and it's not perfect, but it's
• 7:49
  Speaker 5: better than spending eight grand. Anyway. Here's a hands in
• 7:52
  Speaker 5: the producer.
• 7:53
  Speaker 1: A couple of things.
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  Speaker 2: First of all, I'd ask him to see it to
• 7:57
  Speaker 2: suck the chrome off a trailer hitch, just to see
• 7:59
  Speaker 2: if that's an actual thing. Wow, I've heard and I
• 8:04
  Speaker 2: just don't know.
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  Speaker 5: Katie luckily does not know that expression. So yes, if.
• 8:09
  Speaker 2: They, if they had powerful enough such an equipment. I
• 8:12
  Speaker 2: wonder whether that is possible given the principles of metallurgy.
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  Speaker 5: And there are coarse gentlemen that will say there are
• 8:20
  Speaker 5: some women that could remove the chrome from a trailer.
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  Speaker 2: Hitch, yes, which again would be you know, just forces
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  Speaker 2: at such a level that they would do terrible damage
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  Speaker 2: to say, the human body.
• 8:35
  Speaker 5: I've never said that in anyone who said it to me.
• 8:37
  Speaker 5: I have called the police, okay, back to handle. So
• 8:41
  Speaker 5: in a circumstance such as this, there's a couple of
• 8:43
  Speaker 5: things that you can do. And I've been down this
• 8:45
  Speaker 5: path before. I had a car that was totaled and
• 8:48
  Speaker 5: I told him no, and then they tried to give
• 8:51
  Speaker 5: me a check and I said no, and so we
• 8:54
  Speaker 5: got a bigger check because we had to talk about
• 8:56
  Speaker 5: it a little bit. We had to negotiate some So,
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  Speaker 5: I mean I had to get a bigger check from them,
• 9:01
  Speaker 5: and I got to keep the car. So if you
• 9:03
  Speaker 5: start asking for things or demanding them, you don't have
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  Speaker 5: to just take the check, and you shouldn't accept the
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  Speaker 5: value that they put on the vehicle itself. So I
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  Speaker 5: would if you haven't cashed the check, Michael, I'd tell
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  Speaker 5: them to keep it and then say, hey, I want
• 9:16
  Speaker 5: to come into the office and talk to you about this,
• 9:18
  Speaker 5: and we'll determine what the value is of this car
• 9:20
  Speaker 5: and see if you can't squeeze you play some additional
• 9:22
  Speaker 5: funds out of them. You're a guy that last week
• 9:24
  Speaker 5: told us the story about you actually contacted the state
• 9:26
  Speaker 5: insurance commissioner or whatever frightened all lot of people.
• 9:29
  Speaker 2: Yeah, so, but help us understand if you know, why
• 9:32
  Speaker 2: would the insurance company say no, no, we're not going
• 9:34
  Speaker 2: to write a check for sixteen five hundred, We'll write
• 9:37
  Speaker 2: your check for twenty three thousand instead. Aha, gotcha, I
• 9:41
  Speaker 2: don't get it.
• 9:42
  Speaker 5: It could be it could be what Hanson just explained
• 9:45
  Speaker 5: there where they thought, if they want to negotiate, they're
• 9:48
  Speaker 5: gonna get way more out of us than this. If
• 9:52
  Speaker 5: we could just get this ended right now for twenty
• 9:54
  Speaker 5: three grand, we're in, We're ahead. They might be thinking
• 9:57
  Speaker 5: that is that your guest hands home?
• 10:00
  Speaker 8: Yeah, I don't know. I'm just in terms of the
• 10:04
  Speaker 8: settlement amount.
• 10:05
  Speaker 3: I mean.
• 10:06
  Speaker 8: My point is is that you just shouldn't accept whatever
• 10:08
  Speaker 8: number they give you, even if unless it was beyond
• 10:11
  Speaker 8: the price that you paid, and you'd be like, hell, yeah,
• 10:12
  Speaker 8: let's party, let's let's go. I'm gonna go buy this
• 10:15
  Speaker 8: car and have a really nice dinner tonight.
• 10:16
  Speaker 5: I gotta admit I would have probably thought they've got
• 10:18
  Speaker 5: a way to calculate this that they don't budge on.
• 10:20
  Speaker 5: And they do, of course they do.
• 10:23
  Speaker 8: They they've got at least, and my circumstances rather dated,
• 10:27
  Speaker 8: but they they've got all kinds of resources to determine
• 10:30
  Speaker 8: the value of a vehicle. But my point is is
• 10:33
  Speaker 8: that you've got some additional things that you could bring
• 10:35
  Speaker 8: up if you had whatever change you might have made
• 10:37
  Speaker 8: to the car, whatever, I don't know. There's all kinds
• 10:39
  Speaker 8: of different arguments that you can make, and at least
• 10:41
  Speaker 8: it's worth having a conversation with them. And again, they
• 10:44
  Speaker 8: want to close the case. Here's the leverage that you've
• 10:46
  Speaker 8: got is they want to close it as soon as possible.
• 10:49
  Speaker 8: They're trying to get rid of you and move on, right,
• 10:51
  Speaker 8: So if you don't accept then they have to sit
• 10:53
  Speaker 8: there and go, well, what's the god my boss can
• 10:56
  Speaker 8: be so bis to me right now, right, But I
• 10:58
  Speaker 8: got to get this guy to close this thing out.
• 10:59
  Speaker 8: So I mean, if you're satisfied with that money, then great,
• 11:03
  Speaker 8: then take it. My point is, don't be satisfied, don't
• 11:06
  Speaker 8: accept it. And get as much back as you possibly can.
• 11:10
  Speaker 2: Okay, Hansen before we wrap this up here, not only
• 11:13
  Speaker 2: a big car guy, you're a big music fan. So
• 11:16
  Speaker 2: everybody's starting with Hanson or I can go first if
• 11:18
  Speaker 2: you want to think about it, favorite car or driving
• 11:21
  Speaker 2: related song. If you can't settle on one, you can
• 11:24
  Speaker 2: go with two favorite car or driving related song. Hanson,
• 11:30
  Speaker 2: do you have an answer right along?
• 11:31
  Speaker 5: Oh, there's so many. I will go with a passenger
• 11:34
  Speaker 5: side by Wilco.
• 11:35
  Speaker 2: Oh. Oh, yeah, you know I'm gonna go. I gotta
• 11:43
  Speaker 2: get go with two very different moods. Number one racing
• 11:45
  Speaker 2: in the streets, Bruce Co Champion, Highway Star Deep Purple.
• 11:52
  Speaker 5: I don't know that song, Katie.
• 11:55
  Speaker 7: You got a couple of Oh boy, I really I
• 12:00
  Speaker 7: can't think of one off the top of my head.
• 12:01
  Speaker 6: I know that's awful, but I can't.
• 12:03
  Speaker 5: There's a great Johnny Cash song, you know, the Johnny
• 12:05
  Speaker 5: Cash song where he talks about working at the the
• 12:08
  Speaker 5: GM factory and he stole parts over the years. Yes,
• 12:10
  Speaker 5: he assembled a car that was It was a fifty five,
• 12:13
  Speaker 5: fifty six, fifty seven, fifty eight, fifty nine. He assembled
• 12:16
  Speaker 5: his car from parts over years. He stole I would
• 12:18
  Speaker 5: go if ten year old me would choose hot Rod
• 12:20
  Speaker 5: Lincoln because I love that song. As a fantastic grown
• 12:23
  Speaker 5: up me probably go Tom Petty running Down a Dream Love.
• 12:26
  Speaker 2: Oh, that's a good one, Michael.
• 12:30
  Speaker 1: Oh, I was singing running Down a Dream too, but.
• 12:33
  Speaker 2: Oh you lie.
• 12:34
  Speaker 5: Chitty Chitty Bang bang, probably yours.
• 12:36
  Speaker 2: That's a winner.
• 12:38
  Speaker 1: That is a good one, though.
• 12:42
  Speaker 6: That's the one.
• 12:43
  Speaker 1: Take it, Michael, Little Deuce, Coop by the Beach, preat.
• 12:46
  Speaker 2: Fantastic classic there classic, three cards in a islid dust
• 12:50
  Speaker 2: or something. I don't know.
• 12:53
  Speaker 7: Well, I got that money. You can buy a lot
• 12:56
  Speaker 7: of chocolate pie. I guess that's it.