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

 

Your new favorite book is from SmidgeBooks

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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

Your new favorite humor columnist is on Facebook Just a Smidge

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

Your new favorite humor columnist is on Facebook Just a Smidge 

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

 

Your new favorite T-shirt is at SmidgeTees

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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

 

Your new favorite T-shirt is at SmidgeTees

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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

Your new favorite book is from SmidgeBooks

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Wednesday, December 11, 2019

The Smash Gift of the Year


What do you get the person who has everything? That age-old question is actually easily answered this time of year. You get them the gift of life, of course, in the form of the Emergency Car Escape Hammer and Seatbelt Cutter.

You would never give someone one of these for their birthday, but for some reason it seems to be a perfectly logical gift at Christmas. What says “I love you” at Christmastime better than a tool that cuts through your seatbelt and breaks tempered auto glass so you can escape through your driver-side window after you’ve driven your car off a cliff into the frigid water below?

Obviously, nothing. And there are so many options these days. They all have the standard pointed hammer and safety-recessed seatbelt cutter blade, but there are new upgrades coming out every year.

Some of them glow in the dark now, because, let’s face it, most of your unscheduled cliff diving happens at night, am I right?

Mine not only has a light, but also an electronic tire gauge that will tell me my tire pressure in PSI and also in kilopascals, which will be handy if I ever drive my car off a cliff in Italy.

Mine is standard blue, but many of the new models are coming out in a variety of fashion colors, including pink, making it much easier to accessorize.

There’s even one available called the Car Cane, that doubles as a convenient handle to help you get out of your car through the door during normal circumstances. You simply slip the hammer end into the steel U-shaped latch receiver on your car’s door frame, and, presumably, scratch the holy hell out of your paint as you use the rubber-grip handle to support your weight getting out of the vehicle. I might argue that if you need a crutch to get out of your car in the Target parking lot, you might not be able to Dukes of Hazzard your way out of your driver window while the car is upside down and underwater, but who knows? Adrenaline is an amazing thing.

I found one that doubles as a phone charger, plugging into your cigarette lighter. It has a light on the end that includes LED low beam, high beam, and red strobe light. Unfortunately, the light points toward the driver when plugged into the dashboard, so the only possible scenario would be the red strobe getting activated by a childish passenger, causing the driver to become blinded and resulting in them swerving off a cliff. At least they would then have the tool that they needed to save themselves handy and easily locatable, but one could argue that the tool might not be the best gift if it causes the accidents in the first place.

They have models where the entire handle is actually a large strobe light, for those times when you drive your car off a cliff into the middle of the ocean. Just activate the strobe light and the Navy helicopters will be able to pinpoint exactly where to drop the rescue divers. I assume it also has a dye pack, for daytime ocean emergencies.

There’s even one that has solar panels in the handle, so you can use the sun to charge your phone. That’s handy when you drive off the road, need to extract yourself from the vehicle, then live next to your car for the next six to eight weeks.

These emergency tools are great and all, but here’s the thing - when you are trapped in your vehicle, you have to find this thing in your glove box or center console. But if you need to cut your seatbelt in order to get free of it, I’m going to guess you won’t be able to reach the glove box too easily. And if you keep the knife/hammer in your center console, you might as well just keep it in Cleveland. You can’t find anything in your center console when you are sitting in your driveway. What makes you think you’ll be able to locate your escape tool when you are sitting at a forty-five degree angle with water rising through the floorboards and a deployed airbag in your face?

Maybe this holiday season it’s time for a slightly more useful automotive gift, like a lesson on how to properly use a turn signal.

Or how to merge onto a freeway.

Or how to make a left turn at a four-way stop sign.

Or how to pull forward and not get out of your car in the school drop off lane.

Just some thoughts off the top of my head. If you do want to go the traditional Emergency Car Escape Hammer and Seatbelt Cutter route, just remember - this tool is completely ineffective if the gift recipient is too large to fit out of their car’s window. If that is the case, a better gift might be a personal trainer, or a car with larger windows.

Happy holidays!

See you soon,

-Smidge


Copyright © 2019 Marc Schmatjen


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Wednesday, August 28, 2019

Hit Me Baby, One More Time


We had a fantastic stroke of luck last week when my wife had parked our Honda Accord on the street, and a nice man decided to remove our front bumper for us with his truck. How awesome is that!?

Speaking as someone who has dealt with car insurance agencies following our Suburban being totaled, I am really pumped to get to go through another damage claim.

I say the man who gave us a bumperectomy was nice, because he really was nice. He left a note on our car with all his insurance and contact information, and then hung around long enough to actually meet my wife when she returned to the car. He obviously can’t drive very well, but he acts appropriately after he’s finished hitting your parked car.

His insurance company took all liability for the repair costs, so as far as the world as we know it goes, everything is working as it should.

But that’s not good enough for me. The insurance world, as we know it, sucks.

We didn’t do anything wrong in either of our major insurance claims. We weren’t at fault. In this case, we weren’t even near the car. So why do I still have to take time out of my life to get the car fixed?

Why do I have to meet with a claims adjuster to look at the damage? Why am I responsible for getting my car to the repair shop? Why do I need to drive a rental car in the meantime? Why do I need to return that rental car and go to the repair shop to pick up my car when it’s done being repaired?

I am required by law to have car insurance, and I pay them an insane amount of money every year for the privilege of driving around and not causing accidents. Yet, when someone else hits me, I have to do all the work to get my car fixed. This is obviously a huge injustice that we, as Americans, have let go now for far too long.

Here is my proposal for the 28th Amendment to the Constitution of the United States of America – also known as the “This Crap Was Not My Fault” amendment:

Any insured and licensed driver in the United States of America whose vehicle incurs even the slightest dent at the hands of another driver, regardless of the bad driver’s status (i.e. insured/licensed or not, in the country legally or not, high/drunk or not, originally Canadian or not, extremely low IQ or not, etc.), shall be immediately compensated with a new vehicle, at the site of the collision.

The new vehicle shall be the current model year version of the old vehicle, or, if the model is out of production, any comparable new vehicle of the good driver’s choice.

The new vehicle shall be delivered within one hour of the time the collision occurred, regardless of the time of day or night. It shall come with a full tank of gas, and one thousand dollars cash in the glove box to compensate for the one-hour wait and the inconvenience caused by the bad driver.

The new vehicle delivery agent shall transfer all the good driver’s belongings to the new car, then meet the good driver at their home to deliver them a case of expensive imported beer and a predetermined number of bacon cheeseburgers, with a corresponding number of large fries.

While the good driver and their friends/family eat, the agent will take care of setting up the garage door opener buttons, pairing all their phones to the new car, installing car seats, and/or anything else that needs to occur to make it as though nothing ever happened. All DMV paperwork and fees for the car swap will be handled behind the scenes with absolutely no action needed by the good driver.

The good driver will not experience any change in their insurance rates even though the car is newer. The bad driver will not experience a change in their insurance rates either, however, they will be completely on their own for any repair/replacement costs for their vehicle, as well as any beer and cheeseburger-related expenses.


Based on what a ridiculous racket the collision repair industry is, insurance rates should actually go down under the new system.

Contact your congressman today!

See you soon,

-Smidge


Copyright © 2019 Marc Schmatjen


Check out The Smidge Page on Facebook. We like you, now like us back!

Also visit Marc’s Amazon.com Author Page  for all his books. Enjoy!

Wednesday, April 26, 2017

Idiots

I have been trapped in a tornado of idiots for the past four months. It started with one idiot who decided not to chain up his car in the snow. My family met that idiot head-on in our Suburban in January. The collision seemed to open some sort of space/time crack in the galactic idiot-o-sphere, unleashing dozens more idiots into my life.

I spent the next three months swirling around and around with a gaggle of insurance estimator idiots and collision repair shop idiots, all of whom thought it was possible to repair a Suburban back to showroom quality after an eight-airbag head-on collision without actually doing any work on the frame.

I foolishly thought I had been thrown clear of the idiot tornado when I finally received a total loss settlement check. Three months after the wreck some idiot reluctantly did an actual frame inspection and declared, “Wow. This thing looks like it’s been in some sort of collision. We’ll need a new one of these.”

If I was ever clear of the swirling mass of idiots for any amount of time, that’s over now. I’ve been sucked back in.

I found myself on Interstate 680 in the San Francisco Bay Area yesterday, at four o’clock in the afternoon, driving home at anywhere from zero to eighty miles an hour, depending on which ten-foot section of road I was on. I don’t live in the Bay Area on purpose, and I avoid driving there whenever possible, due to the high concentration of idiots on their roads. If you’ve never driven in the Bay Area, try to keep it that way. It’s a lot like driving in Tijuana, only with more idiots. And more Porsche drivers. But I repeat myself.

Part of the reason for the insane stop-and-go traffic I was in had to do with how many accidents there were on the side of the road from all the insane stop-and-go traffic. I was more than a little perturbed already from my experience at Idiot Chevrolet of Fremont earlier in the day, and all I could think was, “If some idiot rear-ends me in this traffic – the traffic that I’m in only because of car dealership idiots, stemming from my original January head-on meeting with Idiot Zero – and I have to be involved in a second insurance claim because I’m here as a result of the first insurance claim, I might actually completely lose it.”

Fortunately, I made it out without any more collisions, and my nerves are slightly less frayed today. Had I been involved in another collision yesterday, I have a feeling I might have been taken to jail for a psych eval. I’m glad that didn’t have to happen, because jail is not the place to go if you’re trying to have less idiots in your life.

Why was I so incensed, you ask, if you’re the kind of person who uses words like ‘incensed’? Because Idiot Chevrolet of Fremont is 130 miles from my house, that’s why. They had a 2016 Suburban that was priced way under blue book value, and looked great in the pictures. After some checking by Idiot Car Salesman One, the car was still in their inventory, and he had enlisted the help of Idiot Car Salesman Two, who was holding it for me until I arrived. I dropped what I was doing and jumped in the car. Two and a half hours later, I was behind the wheel of what would soon be my new beautiful underpriced 2016 Suburban, on a test drive with Idiot Car Salesman Two.

Leather everything. Automatic everything. It tells me when I drift out of my lane. It alerts me to an impending front impact collision. It has heated seats and dual memory seat positions. The dashboard screen links to my phone and the screen becomes my phone’s screen. And if I push a little button, the screen magically rises out of the dashboard and reveals a hidden storage compartment – with a USB port! It has great tires. It mows the lawn. It does your taxes. It watches your dog while you’re on vacation. It buys my wife flowers.

I’ll take it!

Idiot Car Salesman Two begins the paperwork. I text my wife. New car! Idiot Car Salesman Two busies himself with car salesman tasks. I sit in my new car and admire the thirty-nine thousand new features. Idiot Car Salesman Two comes out and says that unfortunately the car is on hold for another buyer.

Sorry, I must not have heard you correctly after my 130-mile drive. Idiot Car Salesman Two says someone was there on Sunday, but there was a problem with his payment, but it’s worked out now and he’s buying the car. My right eye begins to twitch.

Idiot Car Salesman Two introduces me to Idiot Car Dealership Manager, who explains that their entire system is run by idiots. I explain that it is a 260-mile round-trip from my house, and I dropped everything and drove here because Idiot Car Salesman One - who seems to be absent – assured me the car was available. Idiot Car Dealership Manager explains again the idiotic idiosyncrasies of Idiotville.

I somehow manage not to punch anyone, and begin my 130-mile drive home through a swirling mass of idiots. At an average of seven miles per hour.

At least it's not snowing.

It’s possible that there’s a reason for all this. God may have me trapped in this idiot storm in order to get me ready for a situation down the line involving an even larger group of idiots.  

At this point, however, I don't see how that could be possible.

See you soon,

-Smidge


Copyright © 2017 Marc Schmatjen


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Wednesday, April 5, 2017

This Will Be Painful, I Insure You

Three months ago, some yahoo up in Oregon talked himself out of chaining up his two-wheel-drive Nissan sedan in a blizzard, then promptly slid across the highway in front of our Suburban. Unfortunately, both vehicles were moving at the time, and the end result was a pretty decent head-on collision, followed by four hours of standing on the side of the highway in a snowstorm.

Good times.

When our vehicles collided, all eight of the airbags in our Suburban deployed. ("Deploy" is a fun euphemism for "loudly explode into your face and fill car with smoke.") When that happened, the OnStar system immediately sprang into action and alerted insurance agents and adjusters in three states that it was time to do their jobs very poorly.

I like my insurance company. Or at least, I want my insurance company to keep liking me, so I’m not going to mention their name here. The other guy’s insurance company rhymes with Allstate.

The next morning, I spoke on the phone with the third-party insurance adjuster who would be collecting the scrap heap that was our car, and described the collision, the damage, and the fact that all the airbags had gone off. She told me that the car was definitely totaled, and we would never see it again. So, we fished all the loose change out of the ashtray and left the wreckage of our Suburban at Caveman Towing in Grants Pass, Oregon, heading home to California, where we would eagerly await our total loss settlement check.

A week later some idiot from some third-party adjuster company called me to say that my Suburban was at a salvage yard in Eugene, Oregon, and good news! – It looks like it’s repairable!

I realize you guys legalized weed up there, but I really don’t think that means that it’s OK to smoke dope while you’re on the job, dude. Say again? You want to repair it? Might I remind you that all eight air bags went off? The interior of the car looks like a one-star hotel room in Fallujah, and the front looks like it was hit with the same Stinger missile that dropped the hotel rating down from a three.

Well, we need to do a full estimate on it, but it looks promising. Do you have a favorite repair shop?

A favorite repair shop? In Eugene, Oregon? A town where I don’t live in a state where I don’t live? Hmm… Is Big Tony’s Creole Grill and Auto Body still in business? No? OK, then, I guess you can pick your favorite, Skippy.

A week later the good news came down from the north. The Suburban is repairable! The Oregon estimate came back at $12,000.

Uh… $12,000? Was that just the interior estimate, or did you make the common mistake of confusing my Suburban with that Maserati that had a scratch on the hood?

Can I see a copy of that estimate, please? Uh… You guys only have an hour and a half of “frame inspection and repair labor” listed on here. Did you miss the part about how it was a head-on collision that reduced a Nissan sedan to the size of a juice box? And what an adorable labor rate you used. Why don’t we tow it down here for a California estimate, where they aren’t planning to repair it at the preschool with clay and Legos.

Fast forward another week and the California repair shop calls to tell me that the Suburban arrived and has some rear bumper damage. Hmm… Nope. The rear bumper was the one part of the car not involved in the accident.

Yeah, the tow truck driver seemed to think that might be fork lift damage. The drive shaft is separated and laying on the ground, too.

Oh, goody. Was my car being scavenged for parts at the Oregon salvage yard before someone said, “Whoops. Hey, put that transmission back in, they want to tow it down to California instead.”? And, great news about the new bumper damage! I was beginning to worry that no one would get to pick my car up with a forklift during this process. I’m glad we checked that box off.

I was skeptical before, but if we’ve been sticking giant steel beams under my car and lifting it up like it was a pallet of Huggies at Costco, I really want it back now! Get going on that estimate!

Fast forward what seemed to be nine or ten years and the California shop calls with the good news. The estimate is up to $19,000 now, but it’s not a total loss, yet. It’s still repairable!

Wow, that is fantastic news, a full two months after the crash. How much “frame inspection and repair labor” do you have in there? Oh, an entire two hours this time. That should be plenty. Let’s get going on the repairs. We crashed on January 2nd, and I’d like to have my car back for next New Year’s, if possible.

Fast forward another month, and almost exactly three months after Captain Slides-A-Lot ruined our travel plans, the California repair shop called back with the “bad” news.

Wow, so sorry to tell you this, but after getting your car up on the frame measuring machine, it turns out that the frame will need to be completely replaced. Unfortunately, it looks like it’s going to be a total loss.

Yeah, wow, what an unfortunate turn of events that I never could have seen coming. Gee, I’m so sad for your repair shop’s loss of revenue. Too bad we didn’t put it up on the frame measuring machine THREE MONTHS AGO!!

Like I said, I’m not going to mention their name here, but I would venture a guess that I have one of the best insurance companies a driver can have, and they still suck this bad. How on Earth is frame measuring machine not the first thing they demand from whatever third-party stoner organization is tasked with inspecting the vehicle? Do they just love spending my money? Don’t answer that.

And as far as the other guy’s insurance company goes – don’t even get me started. My wife was bruised pretty heavily by the seatbelt, and when we mentioned that, they immediately went into frantic mode while trying to use their caring and compassionate voices.

I almost believed they cared until I received the letter explaining how they would calculate an injury settlement, if there needed to be one. They explained that injuries and their associated monetary values are calculated with their handy insurance computer program named… wait for it… “Colossus.”  – I am not making that up.

Colossus? Are you nice folks so far removed from the realm of actual humanity that you can’t even hear how ridiculously ominous that sounds? Seriously? I have an idea. Let’s be real. Let’s all just cut the crap and rename it to sound even more truthful. That way you don’t have to go through the charade of using your caring voice.

I’m thinking the “We’re Going to Screw You Over-inator” has a better ring to it.

See you soon,

-Smidge


Copyright © 2017 Marc Schmatjen


Check out The Smidge Page on Facebook. We like you, now like us back!

Also visit Marc’s Amazon.com Author Page  for all his books. Enjoy!