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 2^nd, 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!

Crash Boom Bang

Sing to the tune of the Gilligan’s Island theme song. (For those of you under 40, Gilligan’s Island was a show about a bunch of people who could have easily gotten off an island if they had just killed and eaten Bob Denver. I assume you can YouTube the theme song.)

Just sit right back and you’ll hear a tale,

a tale of a fateful trip,

that started from a snowy town,

and ended in a ditch.

The driver was a mighty steering man,

his wife worried and unsure,

three passengers in the back,

for a six-hour tour.

A six-hour tour.

The weather started getting rough,

but the Suburban was going straight,

if not for the driver of the sliding Nissan,

we might have made it out of the state.

Made it out of the state.

The Suburban landed in a ditch,

on an uncharted stretch of road,

with Ron the tow guy,

Tow Truck Chuck, too,

the state trooper and his car.

Now the passengers,

the driver and his wife

are all at the Shilo Inn.

Yes, we started the New Year with a bang. Well, first an expletive, then a bang, then a ricochet, then a crunch, followed by eight more simultaneous bangs as all the airbags in our Suburban deployed. Good times.

I’ve always been comfortable driving in the snow. I was born and raised near the Sierras, one of the biggest, baddest mountain ranges known to man. I understand what chains and four-wheel-drive can and can’t do for me. I actually kind of like driving in the snow.

So when it started snowing heavily on our way from Grants Pass, Oregon to Crescent City, California on Monday afternoon, I didn’t sweat it. I just put the Suburban in 4WD, slowed down, increased my following distance, and powered through the curves. My wife was not as relaxed. She’s the smart one.

I think it was the first car that was upside down on the side of the road that made her worry. And when I say upside down, I mean literally sitting on its roof in the ditch.

How? Why? What the hell is the matter with you people?

Oh, well. Some people just can’t drive.

Hey, look. There’s a pickup truck UPSIDE DOWN in the ditch.

Hmm... two cars sitting on their roofs within a mile of each other.

Now, for some people, that might have been a warning. Not me, though. I just shrugged and said, “They were probably just going too fast.”

My only precautionary thought on the whole drive was, “I wish this was a divided highway. I know I’m not going to screw up, but what about the oncoming traffic.”

Dennis, who used to drive a black four-door Nissan sedan, was on his way home at the same time we were on our way to Crescent City. Unfortunately for us, Dennis was one of the cars in our oncoming traffic. And unfortunately for everyone involved, Dennis had successfully talked himself out of stopping to chain up, since he was only a few miles from home and had made it this far.

Then Dennis stopped making it any further and slid into our lane.

The lady in front of me in the Lexus SUV was able to avoid him by driving into the ditch. I tried the same maneuver, but didn’t have quite enough road or time to get it done. About a split second after I swore loudly under my breath, we hit the little Nissan almost head-on. The ‘almost’ was probably the key to how well things went after that.

I had started to dive off the road, so I hit him with the driver’s side headlight area of my Suburban, pretty much square in the middle of his front bumper. Thankfully, that sent us ricocheting into the ditch instead of continuing through his car. We went twenty feet down the bank and slammed into the snow, which deployed all eight airbags. It was loud.

(FYI, airbags smell like metallic gunpowder and make the inside of the car smoky, which my wife does not like in the least.)

Amazingly, the five of us, Dennis, and his passenger all walked away without so much as a scratch. Given the fact that we hit hard enough for airbags, and the entire front of Dennis’ car was missing, we all considered that nothing short of miraculous.

Now, if you’re going to crash into Dennis and then into a ditch in pretty much the middle of nowhere on US-199 in Oregon, I highly recommend mile post 19, because that’s where Dave lives. Dave was checking on us before we were all out of the car. Dave was directing traffic and setting out flares right away. Dave was on his cell phone calling the state patrol for us before the airbag smoke had settled. Dave even opened up his shop for us so my wife could sit somewhere warm. Dave rocks. Dave got beer money.

Another perk to mile post 19 is Cheryl’s Bar and Grill. Unfortunately, Cheryl wasn’t open at the time, but her bar and grill has a covered porch that is really handy in a heavy snow storm. It sure beat spending three hours standing in the forest.

When crashing near Grants Pass, I would also recommend Caveman Towing. Besides their really cool logo of a caveman dragging a car with a rope, Ron and Chuck are pros.

When getting a cheap room late at night in Grants Pass, I would also recommend the Shilo Inn. Sure, the hallways smelled like mildew, but the room didn’t, the bed was comfy, and the boys loved the make-your-own waffle machine at the complimentary continental breakfast buffet. Also, its proximity to Caveman Towing and Enterprise Rent-A-Car make it a convenient choice.

I tentatively recommend Enterprise Rent-A-Car in Grants Pass, only because of the wait. The service was excellent, but apparently everyone in Grants Pass rents cars when it snows. Who knew? The perfect Suburban in the parking lot was unfortunately reserved, but the Dodge Ram 1500 Big Horn four-door pickup with the 5.7-liter V8 HEMI and 8-speed automatic transmission was up for grabs. Mine!

When shopping for a tarp to cover a Suburban’s worth of soft-sided luggage, pillows, blankets, shopping bags full crap, etc. in the back of a Dodge Ram 1500 Big Horn HEMI in a snow storm, I highly recommend the Grants Pass Bi-Mart. The 10’ x 18’ medium-duty outdoor tarp is perfect for the job, and on sale right now for $9.97.

And finally, when the two coolers you thought would hold the tarp down on I-5 fail to do their job, I highly recommend the Ace Hardware in Rogue River, Oregon. They sell 40-pound bags of wood chips for $6.99 that perfectly match the woodchips under your play structure at home. Nothing does a better job of keeping your all-weather tarp snuggly protecting your luggage than two hundred and eighty pounds of mulch.

One thing I certainly won’t recommend... meeting Dennis the way we did. Stay safe out there, folks, and remember: If the little voice in the back of your head is saying “I don’t like this,” or your wife is sitting next to you saying the same thing, it pays to listen!

Adios, Suburban. We’ll miss you, but I guess it’s time to go car shopping. Maybe I can leave my wife at home this time. That HEMI really had some get up and go...

What’s that my little voice is telling me? Never mind. Probably not important.

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!