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Speaker 1: What do you mean it's totaled.

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Speaker 2: It's one more thing.

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Speaker 3: One more thing.

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Speaker 4: I always love it when it's a staff led One

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Speaker 4: more Thing podcast is Michael's got his story in a

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Speaker 4: moment before we get to John Stewart interviewing Elmo, why

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Speaker 4: was Elmo in the news or does he explain that

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Speaker 4: in the setup here?

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Speaker 5: Elmo's in the news for something.

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Speaker 6: Elmo went rogue on Twitter. He got hot, he got hacked,

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Speaker 6: or so he says, and started saying that we should

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Speaker 6: kill the Jews.

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Speaker 2: Right, of course, everybody claims, oh I got hacked. Elmo's

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Speaker 2: a Nazi.

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Speaker 5: Allegedly, Elmo and Groc both went after the Jews in

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Speaker 5: the same week.

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Speaker 2: Yep, little red Elmo's a brown shirt. What do you know?

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Speaker 5: John Stewart on The Daily Show talked to Elmo and

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Speaker 5: after a hacker posted racist and anti Semitic remarks to

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Speaker 5: the Sesme Street characters, ex.

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Speaker 3: Account, Elmo, you know what we're here to talk about,

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Speaker 3: oh Jews.

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Speaker 6: That's right.

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Speaker 3: Elmo was radicalized by the Mano sphere. Elmo is part

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Speaker 3: of the male loneliness epidemic. You see what happened was

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Speaker 3: Almo was doing his own research on.

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Speaker 2: Flu shots.

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Speaker 5: Six hours later, because of the algorithm, Elmo was moderating

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Speaker 5: the Q and on.

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Speaker 7: Discord chat.

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Speaker 2: And building homemade bombs.

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Speaker 5: Oh wow, so wo mano sphere. I don't know if

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Speaker 5: I've heard of that term. Oh yeah, yeah, meaning.

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Speaker 2: Oh my gosh, this stuff just exhausts.

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Speaker 5: Me each other online.

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Speaker 2: Yeah that and like you you're what's what's the alleged

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Speaker 2: rapist in five different countries?

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Speaker 5: Brothers?

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Speaker 2: Oh yeah, Tate brothers. Yeah, and just like hyper masculine

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Speaker 2: down with women, hardcore new right, angry online thing. We're

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Speaker 2: you going to contribute something.

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Speaker 6: Just anti feminist. They're super anti feminist.

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Speaker 2: Only Yeah, it kind of depends what you mean by that,

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Speaker 2: but yeah, yeah, in kind of a corrosive way.

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Speaker 5: And then what was that next? The no, the next phrase,

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Speaker 5: the manisphere was like the men young men, single, lonely.

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Speaker 6: Men, the loneliness epidemic, the.

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Speaker 5: Loneliness epidemic among men. Okay, yeah, has got part to

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Speaker 5: do with the manisphere. That's part of the in cell

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Speaker 5: crowd thing, right, the whole Well, they're all.

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Speaker 2: Kind of overlapping, but yeah, yeah, and a lot of

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Speaker 2: this stuff has a fair amount of legit to it

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Speaker 2: always takes it completely over the top. I mean young

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Speaker 2: men trying to find a sane young woman who'd like

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Speaker 2: to be in a relationship. It's a challenge.

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Speaker 5: But now, if you were like me when I was

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Speaker 5: a teenager alone, woman wise, girlfriend wise, I would be

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Speaker 5: convinced by the Internet to blame it on other forces,

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Speaker 5: not just my lack of game. Well, either the Jews

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Speaker 5: or one.

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Speaker 2: Party or the other, or some certain as certain as

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Speaker 2: a person can be, that the Jews played no role

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Speaker 2: in any lack of dating success. Sorry, Elmo, Right, that

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Speaker 2: is a pretty funny bit.

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Speaker 5: Yes, I was. Okay, So what do you mean it's

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Speaker 5: total Michael says, yeah.

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Speaker 1: So I'm driving on the highway and I think I

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Speaker 1: may have told you this.

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Speaker 7: I got hit by a nineteen year old kid who

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Speaker 7: was uninsured, had no car insurance whatsoever. So I end

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Speaker 7: up taking my car to the body shop. I've got

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Speaker 7: car insurance, so I'm fine. And so I got a

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Speaker 7: rental car. I've been driving a rental car for the

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Speaker 7: you know, a week or two. So they I go

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Speaker 7: into the body shop and they say, okay, it's gonna

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Speaker 7: be about ten thousand dollars to repair. This is what

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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.

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Speaker 1: I said, great.

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Speaker 7: So nothing happens, and then like three days later, they say, hey,

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Speaker 7: we need you to come back into the body shop.

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Speaker 1: I come in. They've got a new estimate for me.

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Speaker 7: They say, just so you know, the car's now going

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Speaker 7: to be sixteen thousand dollars to repair. You're still going

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Speaker 7: to pay five hundred dollars. I say, okay, fine. So

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Speaker 7: I'm waiting waiting and I don't hear from these people,

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Speaker 7: and so I call them.

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Speaker 1: And say, hey, what's happening with my car.

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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

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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

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Speaker 7: dented or crash, they don't even prepare it anymore. They're

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Speaker 7: just writing people checks. I had somebody explain this to

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Speaker 7: me once, but my memory is vague. I can't imagine

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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.

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Speaker 7: I guess this is happening a lot now, So sure

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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

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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?

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Speaker 5: I've had so won my fault, the other's other people's

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Speaker 5: fault in the last couple of years. I talked to

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Speaker 5: my insurance guy and he said, yeah, I mean, it'd

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Speaker 5: be in the long run, it'd be cheaper to just

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Speaker 5: pay to fix it yourself. Because this is how much

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Speaker 5: it's going to go up. If you like my motorcycle wreck,

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Speaker 5: I paid eight grand out of pocket to fix my

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Speaker 5: motorcycle because it would have cost more in the long

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Speaker 5: run to have my insurance go up for all my vehicles.

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Speaker 5: Blah blah blah.

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Speaker 2: Yeah, I was more familiar with the being shocked that

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Speaker 2: they quote unquote totaled it in the era of low

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Speaker 2: use car values, because what would happen is you'd get

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Speaker 2: a ten thousand dollars estimate and your company'd say, well,

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Speaker 2: your car's only worth ninety five hundred bucks, so it's total.

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Speaker 2: Don't get it fixed. Here's the value. Go do whatever

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Speaker 2: you want. I gave get that.

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Speaker 5: But our executive producer Mike Hanson appears to be very

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Speaker 5: animated to join this conversation for Somery Carbuff notably Carbuff. Yes,

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Speaker 5: and he's having trouble getting his headphones situated car.

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Speaker 2: It's very complicated. You got one on the right ear,

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Speaker 2: one on the left ear.

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Speaker 6: There's a cord.

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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

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Speaker 5: the left rear and they want to replace, well, we're

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Speaker 5: gonna have to replace the pin striping, and then the

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Speaker 5: plastic thing here and then the where it says Camaro

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Speaker 5: or whatever it is on your car, and we got

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Speaker 5: to get a new one of those two Why why

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Speaker 5: do you have to get a new one of all

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Speaker 5: of those things?

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Speaker 2: You go to another place and they'll say, no, we

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Speaker 2: don't have to do that.

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Speaker 5: That's crazy.

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Speaker 2: I did do this and reuse blah blah.

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Speaker 5: I did no paint dent repair on one of my

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Speaker 5: vehicles recently. And that's when they come out with these

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Speaker 5: suction cups and everything to your house and pry out

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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

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Speaker 5: at the dealership they told me it was going to

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Speaker 5: be eight grand, And for five hundred bucks, I had

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Speaker 5: the dent pulled out and it's not perfect, but it's

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Speaker 5: better than spending eight grand. Anyway. Here's a hands in

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Speaker 5: the producer.

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Speaker 1: A couple of things.

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Speaker 2: First of all, I'd ask him to see it to

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Speaker 2: suck the chrome off a trailer hitch, just to see

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Speaker 2: if that's an actual thing. Wow, I've heard and I

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Speaker 2: just don't know.

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Speaker 5: Katie luckily does not know that expression. So yes, if.

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Speaker 2: They, if they had powerful enough such an equipment. I

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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

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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.

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Speaker 5: I've never said that in anyone who said it to me.

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Speaker 5: I have called the police, okay, back to handle. So

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Speaker 5: in a circumstance such as this, there's a couple of

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Speaker 5: things that you can do. And I've been down this

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Speaker 5: path before. I had a car that was totaled and

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Speaker 5: I told him no, and then they tried to give

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Speaker 5: me a check and I said no, and so we

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Speaker 5: got a bigger check because we had to talk about

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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,

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Speaker 5: and I got to keep the car. So if you

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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

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Speaker 5: to come into the office and talk to you about this,

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Speaker 5: and we'll determine what the value is of this car

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Speaker 5: and see if you can't squeeze you play some additional

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Speaker 5: funds out of them. You're a guy that last week

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Speaker 5: told us the story about you actually contacted the state

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Speaker 5: insurance commissioner or whatever frightened all lot of people.

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Speaker 2: Yeah, so, but help us understand if you know, why

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Speaker 2: would the insurance company say no, no, we're not going

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Speaker 2: to write a check for sixteen five hundred, We'll write

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Speaker 2: your check for twenty three thousand instead. Aha, gotcha, I

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Speaker 2: don't get it.

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Speaker 5: It could be it could be what Hanson just explained

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Speaker 5: there where they thought, if they want to negotiate, they're

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Speaker 5: gonna get way more out of us than this. If

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Speaker 5: we could just get this ended right now for twenty

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Speaker 5: three grand, we're in, We're ahead. They might be thinking

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Speaker 5: that is that your guest hands home?

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Speaker 8: Yeah, I don't know. I'm just in terms of the

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Speaker 8: settlement amount.

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Speaker 3: I mean.

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Speaker 8: My point is is that you just shouldn't accept whatever

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Speaker 8: number they give you, even if unless it was beyond

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Speaker 8: the price that you paid, and you'd be like, hell, yeah,

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Speaker 8: let's party, let's let's go. I'm gonna go buy this

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Speaker 8: car and have a really nice dinner tonight.

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Speaker 5: I gotta admit I would have probably thought they've got

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Speaker 5: a way to calculate this that they don't budge on.

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Speaker 5: And they do, of course they do.

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Speaker 8: They they've got at least, and my circumstances rather dated,

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Speaker 8: but they they've got all kinds of resources to determine

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Speaker 8: the value of a vehicle. But my point is is

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Speaker 8: that you've got some additional things that you could bring

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Speaker 8: up if you had whatever change you might have made

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Speaker 8: to the car, whatever, I don't know. There's all kinds

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Speaker 8: of different arguments that you can make, and at least

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Speaker 8: it's worth having a conversation with them. And again, they

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Speaker 8: want to close the case. Here's the leverage that you've

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Speaker 8: got is they want to close it as soon as possible.

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Speaker 8: They're trying to get rid of you and move on, right,

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Speaker 8: So if you don't accept then they have to sit

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Speaker 8: there and go, well, what's the god my boss can

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Speaker 8: be so bis to me right now, right, But I

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Speaker 8: got to get this guy to close this thing out.

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Speaker 8: So I mean, if you're satisfied with that money, then great,

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Speaker 8: then take it. My point is, don't be satisfied, don't

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Speaker 8: accept it. And get as much back as you possibly can.

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Speaker 2: Okay, Hansen before we wrap this up here, not only

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Speaker 2: a big car guy, you're a big music fan. So

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Speaker 2: everybody's starting with Hanson or I can go first if

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Speaker 2: you want to think about it, favorite car or driving

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Speaker 2: related song. If you can't settle on one, you can

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Speaker 2: go with two favorite car or driving related song. Hanson,

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Speaker 2: do you have an answer right along?

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Speaker 5: Oh, there's so many. I will go with a passenger

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Speaker 5: side by Wilco.

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Speaker 2: Oh. Oh, yeah, you know I'm gonna go. I gotta

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Speaker 2: get go with two very different moods. Number one racing

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Speaker 2: in the streets, Bruce Co Champion, Highway Star Deep Purple.

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Speaker 5: I don't know that song, Katie.

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Speaker 7: You got a couple of Oh boy, I really I

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Speaker 7: can't think of one off the top of my head.

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Speaker 6: I know that's awful, but I can't.

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Speaker 5: There's a great Johnny Cash song, you know, the Johnny

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Speaker 5: Cash song where he talks about working at the the

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Speaker 5: GM factory and he stole parts over the years. Yes,

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Speaker 5: he assembled a car that was It was a fifty five,

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Speaker 5: fifty six, fifty seven, fifty eight, fifty nine. He assembled

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Speaker 5: his car from parts over years. He stole I would

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Speaker 5: go if ten year old me would choose hot Rod

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Speaker 5: Lincoln because I love that song. As a fantastic grown

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Speaker 5: up me probably go Tom Petty running Down a Dream Love.

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Speaker 2: Oh, that's a good one, Michael.

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Speaker 1: Oh, I was singing running Down a Dream too, but.

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Speaker 2: Oh you lie.

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Speaker 5: Chitty Chitty Bang bang, probably yours.

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Speaker 2: That's a winner.

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Speaker 1: That is a good one, though.

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Speaker 6: That's the one.

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Speaker 1: Take it, Michael, Little Deuce, Coop by the Beach, preat.

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Speaker 2: Fantastic classic there classic, three cards in a islid dust

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Speaker 2: or something. I don't know.

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Speaker 7: Well, I got that money. You can buy a lot

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Speaker 7: of chocolate pie. I guess that's it.