Showing posts with label auto insurance. Show all posts
Showing posts with label auto insurance. Show all posts

Wednesday, April 24, 2024

A Light at the End of the Carpool, Part Three – The Finale

It was at the beginning of this school year, on September 20, 2023, that I posted a column entitled “Celebration Injury.” I had celebrated too early, and my feelings were hurt. Along with my gas budget and my will to live.

Seventeen months prior to that, I thought I was a free man. In a column in April of 2022, I was giddy with anticipation. Son Number Two was getting his license the next week and I was beside myself with joy because I was about to be liberated forever from the shackles and chains of carpool.

Damn the insane insurance costs, it was going to be worth it. I had been driving kids to and from school in one carpool or another for roughly two hundred years, and it had lost its luster fairly early on.

How much would it cost to add a second teenage boy to our insurance policy? I didn’t care, because money didn’t matter when balanced against carpool. I’ve never been freed from a long imprisonment in a POW camp, but I would imagine it’s a very similar feeling to being freed from carpool.

Well, it turned out that I had done the school day arithmetic, but not the school schedule calculus. I thought, foolishly, that since Number Two the senior and Number Three the sophomore would be at the same school playing the same sport, my carpool days were behind me.

I did not account for the fact that seniors take virtually no classes, and Number Two would be leaving school literally two and a half hours before his younger brother. By the time I needed him to drive his brother home, he’d already been home, eaten two meals, watched a movie, and was at the gym.

That left me and the other neighborhood parents still caged in the carpool POW camp, needing to pick up the sophomores. Damn you, schedule calculus! The one thin silver lining in my carpool cloud of despair was that we only had to pick them up from school. Son Number Two still takes them in the morning. But anyone who has ever done carpool knows that is small consolation. Pickup is waaaay worse than drop off.

So, I had to wait another seven months before I would be freed and get to celebrate for real. Well, my friends, today is the day! This afternoon is my last scheduled carpool pickup ever. Son Number Three goes for his behind-the-wheel test on Friday morning.

Now, granted, he still has to pass the test to get his license, but I’m confident. He’s the most cautious driver of the three so far, and he’s good. He should be just fine.

If you still think I might be counting my chickens before they hatch, think again. Nothing can derail this celebration now. You can Marc my words, if he doesn’t pass his driver’s test, he’ll be walking home from school for the rest of the year, starting this Friday afternoon.

Again, it's hard for me to express the joy I feel when I think of never driving carpool again, but to try to put it into monetary terms, it will be totally worth the cost of whatever bill is coming my way on Friday morning when I add a third teenage boy to our insurance plan.

See you soon,

-Smidge

 

Copyright © 2024 Marc Schmatjen

 

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Wednesday, April 17, 2024

The Windshield Factor

My wife thinks I run my windshield wipers too slow when it rains. She always asks, in her adorable, exasperated-with-me tone, “How can you see anything!?” When I explain that I’m not looking at the windshield, I’m looking through it at the road, she just throws up her hands and makes her adorable, exasperated noises. As you might imagine from this, cracks in the windshield bother her way more than they bother me.

We take our Suburban up I-80 into the Sierras a lot during the winter months, because even though Son Number Three breaks the occasional collarbone, I remain inexplicably healthy and uninjured, and therefore able to snowboard with my boys.

**sound of me knocking on any and all wood I can find**

If you have ever been on I-80 in the Sierras during the winter months, you know that with the big trucks and their tire chains, combined with the constant new road damage due to the snow and ice, it’s basically like driving through a shooting range. We also take long road trips in the summer months, so our windshield seems to always have a few chips and at least one crack of some length.

This year’s crack came on fast and spread like wildfire. It started at the very bottom of the windshield right in front of the steering wheel, and before I even had a chance to try to stop it, it had spread all the way to the top of the glass. It was a jagged vertical line directly in front of the driver’s face.

As you can imagine, my wife didn’t love it. But it happened in the fall, even before snowboarding season had begun!

“Honey, it makes no sense to fix it now, right before we’re going to drive into the hailstorm of rocks and busted chain links.”

“[exasperated noises]”

Buying new windshields is one of my least favorite things to do. I rank it just above the stomach flu. That’s because I know, the minute that beautiful new curved sheet of glass gets glued in place, I’m going to have to take the car back outside again and drive it around. Getting it replaced in the winter here is as futile as brushing your teeth while eating Oreos, only far more expensive.

Well, we had one last hurrah up the hill a couple weekends ago when we had a cold spring storm blow through, and now the forecast calls for nothing but sunshine and slush. Son Number Three takes his behind-the-wheel driver’s license test at the end of next week, so I figured it was time. He’ll take the test in our Honda Accord, but just in case something happens, I want to have a backup vehicle ready.

I have a feeling the DMV testing employee might have a problem with the full-windshield crack right in front of the sixteen-year-old driver’s face. It’s very likely illegal, but more importantly, the DMV employee’s exasperated noises would probably result in my son not getting to test, which means I would have to be on carpool duty longer, which is unacceptable.

So, on Monday I said goodbye to my $500 insurance deductible and hello to my brand new, crack and ding-free windshield. That was all well and good, for a few hours anyway.

The glue was probably still drying on Monday evening when Son Number Two – who is turning eighteen on Friday – informed me that he would like to skip school that day to take his buddies up the hill to go snowboarding for his birthday, one last time before the season ends.

Hmm…

He’s going to look pretty silly driving our Suburban up I-80 in reverse.

See you soon,

-Smidge

 

Copyright © 2024 Marc Schmatjen

 

Your new favorite book is from SmidgeBooks

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Wednesday, October 25, 2023

DMV'd Again

Son Number Three turned fifteen and a half the other day. You parents of teenagers know what that means.

That’s right. A lot of attitude. Oh, and also I’m back to dealing with the DMV again. And once again, to no one’s surprise – especially not my wife – the DMV has raised my ire. I don’t even really know what that means, but I know they’ve done it.

At fifteen and a half, your teenager becomes eligible to take the written test to get their learner’s permit. Unlike his oldest brother, Son Number One, Number Three is interested in getting his driver’s license the old-fashioned way. Meaning, as soon as he possibly can. We honestly couldn’t figure out what was up with Number One’s lack of interest in getting his license, but at least he embraced it once he got it – about six months after he was eligible.

It was hard to fathom at the time, because you are unable to find anyone my age who was not at the DMV literally on their sixteenth birthday, car keys in hand, ready to take the behind-the-wheel test and gain an unfathomable amount of freedom. I blame the internet for this generation’s wishy-washiness about driving.

At least some of them are wishy-washy about it. But like I said, Son Number Three wants to get his license on his sixteenth birthday, which brings me to the source of my most recent DMV ire. You see, you are not allowed to take the learner’s permit written test until you are fifteen and a half. But I was not about to chance it and schedule his test for exactly six months from his birthday.

This is my third rodeo with teenage driver licensing. I have been in the middle of some incredibly questionable DMV rules, regulations, and decisions, like the time they told me our certified copy of a birth certificate was not a certified-enough copy because the raised bumpy parts of the official seal weren’t raised and bumpy enough. They were raised and bumpy, but not quite enough…

So, I was not about to get stopped by any insane DMV math about how the fifteen and a half rule takes into account the leap year, or depends not only on the day of birth, but also the time of birth, which can be found on a bumpy-enough certified copy of the birth certificate. No sir. I know the deal. I scheduled our appointment six months and one day from his fifteenth birthday.

And since this is my third rodeo, we breezed through the paperwork portion of the appointment, where the bumpy-enough birth certificate copy showed that a boy was born who has the same name as a boy who owns a passport with a picture that could be literally any blond kid from five years ago, and a man whose name is on the same birth certificate, listed as the father, lives in California, based on a matching name on a property tax bill, a life insurance policy, and a credit card statement. Easy peasy.

Son Number Three then aced the eye test, took a pretty handsome driver’s license photo, and moved on to the written (computer) test. I then became engrossed in two simultaneous conversations. One with the DMV computer test lady and the interpreter for a Russian man who needed to take the same test that Number Three was taking. Since the guy needing to take the test also needed an interpreter, I was pretty sure I knew how that was going to go.

The second conversation was between a DMV window employee near my chair and a man who was doing his best to explain as vaguely as possible how he had changed his name from a real name to a nickname because his cousin had the same name, or the same  nickname, and it was confusing for the family, or inconvenient for him, or both, so he changed his name and now his name doesn’t match a lot of the paperwork in his life. Presumably the DMV paperwork.

Before I could learn how great things were going to go for him, I looked over to see Son Number Three finished and standing at the counter again. He was done earlier than I thought he should be, and he wasn’t smiling, so I had a momentary PTSD flashback to the time Son Number Two forgot to actually study for this same test and made me come back to the DMV against my will seven days later to try again.

Thankfully, it turned out Number Three had passed – aced it, as he claims – and the lady at the counter was giving him his learner’s permit. Then she said the thing that raised my ire.

She said, “He passed the test, so you can schedule his behind-the-wheel test six months and a day from today.”

I clarified. “Six months and a day?”

“Yes,” she confirmed, “six months from tomorrow’s date.”

I said OK, and thank you. But I didn’t really mean it.

You see, even if we had rolled the big fuzzy DMV car dice and been there one day earlier – the day he actually turned fifteen and a half – the DMV still makes it mathematically impossible to get your driver’s license on your actual sixteenth birthday.

The best you can hope for is the day after you turn sixteen. Even on a leap year. That is lame. They took away a time-honored American teenage driver’s birthright.

Once again, the DMV has figured out how to make everything suck just a little more.

On the bright side, I should only have to go deal with the teenage driver DMV appointment experience one last time. Assuming Number Three can keep it between the lines on the behind-the-wheel test.

Hmm… I’ve known him for a while, now… I think I’ll plan on two more visits, just to be safe, and then hope to be pleasantly surprised.

See you soon,

-Smidge

 

Copyright © 2023 Marc Schmatjen

 

Your new favorite book is from SmidgeBooks

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Wednesday, April 27, 2022

A Light at the End of the Carpool, Part Two

When Son Number One was born, we had to quickly master the baby blanket swaddle wrap. Confining his arms and legs in a blankie, like an eleven-pound Chipotle burrito, was the only way to shut him up at bedtime. It worked like a charm.

A little over sixteen years ago, when Son Number Two was born, our swaddle game was at its peak. I burrito-wrapped him like a pro in the hospital on his very first day.

He cried.

Then, unfortunately, he kept crying. Soon, my wife was crying.

After somewhere between eighteen and twenty-four hours of crying, I was about to cry. I went to his bassinet to do the only thing I knew to do – re-wrap the burrito boy. When I pulled the top locking blankie fold loose, his little arms and legs all went “fwump” down onto the mattress, and he fell instantly asleep – completely unwrapped.

That was the moment that my wife and I came to the horrifying realization that our boys would not be exactly the same.

Neither of us really remember what Son Number Three preferred. Those years are just one big hazy, sleep-deprived fog, with my most consistent memory being Shop-Vac’ing Cheerios and goldfish cracker dust out of car seat crevices.

While all three of our sons being very different creatures has presented many, many challenges over the years, one recent bright spot is the driver’s license situation.

Son Number One didn’t seem to care about getting his license at all. Thankfully for everything except our insurance premiums, he finally became a legal driver a few months before turning seventeen, and takes himself where he needs to be.

Son Number Two, not surprisingly, is taking a different approach. He is on what I would call the more traditional driver’s license timing path. He’s still acting like a psycho and didn’t schedule his test on his sixteenth birthday, but his test in this coming Monday, so he’s at least within a couple weeks of the date.

Assuming – and finger’s crossed – everything goes well on Monday, we will have two teenage drivers. Army generals and insurance companies have known for centuries that the teenage boy is the most reckless and wild animal on the planet, scoring just in front of the honey badger and the Tasmanian devil.

When Number One was learning to drive, we were told to just expect our insurance premium to double when he got his license, and that’s pretty much what happened. I’ve done zero research and asked zero questions about what happens to the premium when you add a second honey badger to the plan. I don’t want to know.

I don’t care at this point, because money doesn’t matter right now when balanced against carpool. I’ve never been freed from a long imprisonment in a POW camp, but I would imagine it’s a very similar feeling to being freed from carpool.

I am currently in the middle of the second-to-last carpool week of my life, and I am giddy. Son Number Two getting his license is a big part of that. With all three boys at the same high school next year, and two of them driving, there is a very good chance that Son Number Three will have a ride to and from whatever school or sports activity he’s involved in, nearly every single time.

Again, it's hard for me to express the joy I feel when I think of never driving carpool again, but to try to put it into monetary terms, it’s totally worth whatever multiple-Tasmanian devil insurance bill is coming my way on Monday afternoon.

See you soon,

-Smidge

 

Copyright © 2022 Marc Schmatjen

 

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Wednesday, October 27, 2021

Try Number Two

Son Number Two is getting close to being off the Christmas list. He’s making me go to the DMV more than I should have to. The DMV! That’s almost grounds for being kicked out of the house.

Because we just love inordinately high auto insurance premiums, we’re going to let him get his driver’s license and have two teenage boys on our policy. Son Number Three has already been informed that he needs to either win the lottery or help me rob a bank before he can be the third teen driver.

Anyway, Number Two just turned 15-1/2, and off we went last week to the DMV to take his written test and get his learner’s permit. While I appreciate any government organization’s efforts to make sure you are a legal citizen, the DMV’s system for getting a teen driver’s license is a little over the top.

As the parent, I should simply be able to show my official documentation that I am who I say I am, and then tell you who this kid is. That should be the end of it. That would make sense. Instead, we have to prove that the kid standing next to me was actually born, and then prove that he lives with me, and then prove that we both live in California. OK, fine, but without any sort of official photo identification for the kid, there is a certain level of guessing still happening on the DMV’s part. I mean, without photo ID, I could take your kid in and pretend they’re mine.

But when the kid actually has official photo ID, in the form of a valid U.S. passport, why the hell would Shirley behind the counter with her ridiculous cat pictures on her coffee mug care for even half a second whether the birth certificate that matches the name on the freakin’ passport is a photocopy or not!?!

But I digress…

Shirley’s supervisor was able to find “a workaround” to a problem that never existed in the first place, and the paperwork was filed. The $38.00 was paid, and it was time to get Son Number Two his permit. Just need to head over to those computers and handle that written test.

Twenty minutes later, Number Two found me in my super-comfortable plastic chair to let me know that, “Yeah, so I kinda didn’t pass…”

“Could you speak up a little, Son? It sounded like you said you didn’t pass the test.”

“Well, there were all these stupid questions about how far you have to stop from a safety zone, and the allowable blood-alcohol percentages if you’re 21 or 18. None of that stuff was in my online course.”

“Hmm… Is that right? Is that the same online course I saw you taking on your computer while you were also looking down at your phone?”

“Well, I mean, I might have been playing Clash Royale sometimes when I had to listen to the long stuff, but I was listening the whole time. I totally studied.”

[sound of tiny blood vessels exploding inside my brain]

After some time to relax a little and get a quick CT scan, I informed Son Number Two that I would drive him back to the DMV one more time for the written test. He promises that he has studied “super hard this time.” He knows he’s on thin ice and if he fails a second time, he’ll need to figure out another way to get there for try number three.

We have waited the required seven days, and we go back tomorrow to take the test again. Supposedly, we just walk in and get in line for a computer, but I swear, if I have to wait to go to a window and deal with Shirley again, Number Two is walking home, passing grade or not.

We’ll see about any Christmas presents.

See you soon,

-Smidge

 

Copyright © 2021 Marc Schmatjen

 

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Wednesday, August 25, 2021

A Light at the End of the Carpool

Kids are weird these days. They don’t seem to care about driving.  It is impossible to find someone my age who was not at the DMV on their sixteenth birthday, knocking on the glass door three hours before they actually opened, begging to take their driving test and get their license.

This is not the case for today’s sixteen-year-olds. At least, not many of them. And certainly not mine. Today’s youth don’t seem to care very much about getting their driver’s license. Some of them wait until they’re eighteen! That is certifiably insane.

I obviously blame the internet, smartphones, and text messages. Those are the big differences between how they are growing up and how we did, so they are surely the cause.

Kids today can communicate with their friends any time they want, and they have unlimited access to every video ever made of people eating weird things and guys getting accidentally hit in the nuts. As such, they don’t seem to have any need to leave the house on Friday night and go to the AM/PM and hang out in the parking lot to see those things happen live. What a bunch of freaks.

Son Number One would probably still not have his license if we hadn’t pushed the issue. We never forced him to drive if he wasn’t comfortable, because that is a recipe for roadside information exchanges and much higher insurance premiums. But we did use all of our parental cunning and wit to convince him that driving might not be so bad. (And I may have said, “Get in the damn car,” a time or two…)

And I’m not going to lie to you and tell you it was easy. My wife refused to help with the driver training out of fear for her own life, so it was up to me. Early on in the process I formed a support group with the other dads of teen drivers in our neighborhood. It was mostly just a lot of beer and wide-eyed tales of merging gone wrong, but it helped to know I was not alone.  

Anyway, there was a very good reason for us cajoling our oldest son into getting his license, and it wasn’t because we love higher insurance premiums. It was carpool.

I have been driving kids to school in the carpool for roughly two hundred years now, and it’s starting to lose its luster. I actually enjoyed it when it started long ago, but that enjoyment has now been firmly replaced with dread and dismal monotony.

The bright side is, with Son Number One’s license, I have reduced my total number of school carpools from two down to one, and this is the last year I will have to drive carpool ever again. Son Number Three will be at the high school with his older brothers next year, and will be responsible for not pissing them off enough to get left at home. If he fails at that, he knows where we keep the bikes. Yay!

It’s hard for me to express the joy I feel when I think of never driving carpool again, but to try to put it into monetary terms, it is totally worth the $28,000/month that it costs to insure a sixteen-year-old male to drive a 2003 Ford Expedition.

See you soon,

-Smidge

 

Copyright © 2021 Marc Schmatjen

 

Your new favorite T-shirt is at SmidgeTees

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Wednesday, July 31, 2019

Driving Me Crazy


Here’s the problem: A millennium or so ago, I used to be a sixteen-year-old male with a brand-new driver’s license, and I remember what I was like.

***Spoiler Alert*** I was not a good driver.

Within three days of passing my driver’s test (with a score of one hundred percent, I might add) I managed to get my parents’ car up on its side in a ditch.

I didn’t waste any time proving that test scores and real-life common sense are two completely separate things. I mean, I didn’t even have the actual plastic license yet before I learned my first major motor vehicle physics lesson. I still had the temporary printed half-sheet of paper folded up in my pocket when I stood on the passenger door and climbed straight up out of the driver’s window.

Well over the posted speed limit on a country road, plus a ninety-degree corner, plus an idiot driver equals one pretty banged up Audi 5000, and thanks to the miracle of seatbelts, three unscathed moronic teenage boys.

Fast-forward through many more hair-raising automobile exploits and an eventual increase in calm and skill level, and we arrive at yesterday – the day my wife had me scheduled to take Son Number One, who is almost fifteen, out to an abandoned parking lot somewhere and start the process of teaching him to drive.

I just don’t think that’s a good idea at all.

I successfully stalled long enough yesterday and again today to run out of time. Things just “kept coming up.” But there is very little chance, and by very little, I mean zero, that she’s going to let that happen again tomorrow.

She keeps saying, “He has to learn, and the sooner the better,” but I just don’t agree. I see no upside for letting him get his license. Ever.

I know what he will do. It will not be pretty. Tires will smoke. Brakes will howl. Metal will crumple. Insurance claims will be processed. Sleep will be lost. Metric tons of money will vaporize from our bank accounts.

She keeps trying to make the argument that he won’t be as bad as I was. I keep agreeing with her. Based on what I’m seeing from him, he’ll be much worse.

But she won’t listen to reason. In the end, she keeps defaulting to the argument I hear other people make all the time. They say it’s great when the first kid starts to drive because they can take over shuttling the younger siblings to school and sports.

But as far as I can tell, that’s probably the worst argument for it. When I put our Audi on its side, I was with two guys I actually liked. We were all getting along, and no one was mad or yelling at each other.

I can’t imagine what will happen inside the car when it is only occupied by our sons, whom, based on our observations, alternate rapidly between hating each other and just barely tolerating each other.

They might drive off a cliff. (Which, incidentally, I also almost did in my parents Jeep, about three months after getting my license.)

Please pray for our family. And our eligibility for auto insurance.

See you soon,

-Smidge


Copyright © 2019 Marc Schmatjen


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