WEBVTT - What Do You Mean It's Totalled??!!

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<v Speaker 1>What do you mean it's totaled.

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<v Speaker 2>It's one more thing.

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<v Speaker 3>One more thing.

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<v Speaker 4>I always love it when it's a staff led One

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<v Speaker 4>more Thing podcast is Michael's got his story in a

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<v Speaker 4>moment before we get to John Stewart interviewing Elmo, why

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<v Speaker 4>was Elmo in the news or does he explain that

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<v Speaker 4>in the setup here?

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<v Speaker 5>Elmo's in the news for something.

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<v Speaker 6>Elmo went rogue on Twitter. He got hot, he got hacked,

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<v Speaker 6>or so he says, and started saying that we should

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<v Speaker 6>kill the Jews.

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

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<v Speaker 2>a Nazi.

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<v Speaker 5>Allegedly, Elmo and Groc both went after the Jews in

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<v Speaker 5>the same week.

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

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<v Speaker 5>John Stewart on The Daily Show talked to Elmo and

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<v Speaker 5>after a hacker posted racist and anti Semitic remarks to

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<v Speaker 5>the Sesme Street characters, ex.

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<v Speaker 3>Account, Elmo, you know what we're here to talk about,

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<v Speaker 3>oh Jews.

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<v Speaker 6>That's right.

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<v Speaker 3>Elmo was radicalized by the Mano sphere. Elmo is part

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<v Speaker 3>of the male loneliness epidemic. You see what happened was

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<v Speaker 3>Almo was doing his own research on.

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<v Speaker 2>Flu shots.

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<v Speaker 5>Six hours later, because of the algorithm, Elmo was moderating

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<v Speaker 5>the Q and on.

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<v Speaker 7>Discord chat.

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<v Speaker 2>And building homemade bombs.

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

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<v Speaker 5>I've heard of that term. Oh yeah, yeah, meaning.

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<v Speaker 2>Oh my gosh, this stuff just exhausts.

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<v Speaker 5>Me each other online.

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<v Speaker 2>Yeah that and like you you're what's what's the alleged

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<v Speaker 2>rapist in five different countries?

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<v Speaker 5>Brothers?

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<v Speaker 2>Oh yeah, Tate brothers. Yeah, and just like hyper masculine

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

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<v Speaker 2>you going to contribute something.

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<v Speaker 6>Just anti feminist. They're super anti feminist.

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<v Speaker 2>Only Yeah, it kind of depends what you mean by that,

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<v Speaker 2>but yeah, yeah, in kind of a corrosive way.

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<v Speaker 5>And then what was that next? The no, the next phrase,

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<v Speaker 5>the manisphere was like the men young men, single, lonely.

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<v Speaker 6>Men, the loneliness epidemic, the.

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<v Speaker 5>Loneliness epidemic among men. Okay, yeah, has got part to

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<v Speaker 5>do with the manisphere. That's part of the in cell

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<v Speaker 5>crowd thing, right, the whole Well, they're all.

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<v Speaker 2>Kind of overlapping, but yeah, yeah, and a lot of

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<v Speaker 2>this stuff has a fair amount of legit to it

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<v Speaker 2>always takes it completely over the top. I mean young

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<v Speaker 2>men trying to find a sane young woman who'd like

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<v Speaker 2>to be in a relationship. It's a challenge.

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<v Speaker 5>But now, if you were like me when I was

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<v Speaker 5>a teenager alone, woman wise, girlfriend wise, I would be

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<v Speaker 5>convinced by the Internet to blame it on other forces,

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<v Speaker 5>not just my lack of game. Well, either the Jews

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<v Speaker 5>or one.

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<v Speaker 2>Party or the other, or some certain as certain as

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<v Speaker 2>a person can be, that the Jews played no role

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<v Speaker 2>in any lack of dating success. Sorry, Elmo, Right, that

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<v Speaker 2>is a pretty funny bit.

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

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<v Speaker 5>total Michael says, yeah.

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<v Speaker 1>So I'm driving on the highway and I think I

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<v Speaker 1>may have told you this.

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<v Speaker 7>I got hit by a nineteen year old kid who

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<v Speaker 7>was uninsured, had no car insurance whatsoever. So I end

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<v Speaker 7>up taking my car to the body shop. I've got

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<v Speaker 7>car insurance, so I'm fine. And so I got a

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<v Speaker 7>rental car. I've been driving a rental car for the

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<v Speaker 7>you know, a week or two. So they I go

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<v Speaker 7>into the body shop and they say, okay, it's gonna

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<v Speaker 7>be about ten thousand dollars to repair. This is what

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<v Speaker 7>we're gonna have to pay but you have a five

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<v Speaker 7>hundred dollars deductible, you'll pay five hundred dollars.

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<v Speaker 1>I said, great.

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<v Speaker 7>So nothing happens, and then like three days later, they say, hey,

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<v Speaker 7>we need you to come back into the body shop.

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<v Speaker 1>I come in. They've got a new estimate for me.

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<v Speaker 7>They say, just so you know, the car's now going

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<v Speaker 7>to be sixteen thousand dollars to repair. You're still going

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<v Speaker 7>to pay five hundred dollars. I say, okay, fine. So

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<v Speaker 7>I'm waiting waiting and I don't hear from these people,

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<v Speaker 7>and so I call them.

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<v Speaker 1>And say, hey, what's happening with my car.

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<v Speaker 7>They said, well, we haven't heard from the insurance company,

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<v Speaker 7>so we're waiting. The next day, I get a call

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<v Speaker 7>from my insurance company. They say, oh, yeah, your car's totaled.

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<v Speaker 7>We're just going to send you a check. And so

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<v Speaker 7>I get a check for twenty three thousand dollars for

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<v Speaker 7>my car, which I bought the car for twenty seven

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<v Speaker 7>thousand dollars. And the point is is that cars have

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<v Speaker 7>moved up so much in price that it is now

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<v Speaker 7>when a car gets totaled or just you know, maybe

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

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<v Speaker 7>just writing people checks. I had somebody explain this to

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

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<v Speaker 7>why they would say, no, we're not going to pay

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<v Speaker 7>the fifteen to five to have it fixed.

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<v Speaker 2>We'll just pay twenty three and you can call it good.

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<v Speaker 2>I mean, that doesn't make any sense.

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<v Speaker 7>I guess this is happening a lot now, So sure

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<v Speaker 7>does it work?

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<v Speaker 5>Though? Since that other person didn't have insurance, your insurance

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<v Speaker 5>is picking up the tab. Aren't they going to raise

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<v Speaker 5>your rates?

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<v Speaker 7>I hope not, But yeah, I had to pay. I

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<v Speaker 7>was supposed to pay the five hundred dollars. I was

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<v Speaker 7>just out of the cause.

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<v Speaker 5>You know, I don't know if you ask, but like

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<v Speaker 5>I when I, uh, what which which are my crashes?

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<v Speaker 5>I've had so won my fault, the other's other people's

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<v Speaker 5>fault in the last couple of years. I talked to

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<v Speaker 5>my insurance guy and he said, yeah, I mean, it'd

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<v Speaker 5>be in the long run, it'd be cheaper to just

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<v Speaker 5>pay to fix it yourself. Because this is how much

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

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<v Speaker 5>I paid eight grand out of pocket to fix my

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<v Speaker 5>motorcycle because it would have cost more in the long

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<v Speaker 5>run to have my insurance go up for all my vehicles.

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<v Speaker 5>Blah blah blah.

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<v Speaker 2>Yeah, I was more familiar with the being shocked that

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<v Speaker 2>they quote unquote totaled it in the era of low

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<v Speaker 2>use car values, because what would happen is you'd get

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<v Speaker 2>a ten thousand dollars estimate and your company'd say, well,

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

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

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<v Speaker 2>you want. I gave get that.

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<v Speaker 5>But our executive producer Mike Hanson appears to be very

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<v Speaker 5>animated to join this conversation for Somery Carbuff notably Carbuff. Yes,

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<v Speaker 5>and he's having trouble getting his headphones situated car.

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

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<v Speaker 2>one on the left ear.

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<v Speaker 6>There's a cord.

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<v Speaker 5>The whole fiction in your car thing is such a

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<v Speaker 5>freaking scam. I mean, you have the tiniest dent in

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<v Speaker 5>the left rear and they want to replace, well, we're

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<v Speaker 5>gonna have to replace the pin striping, and then the

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<v Speaker 5>plastic thing here and then the where it says Camaro

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<v Speaker 5>or whatever it is on your car, and we got

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<v Speaker 5>to get a new one of those two Why why

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<v Speaker 5>do you have to get a new one of all

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<v Speaker 5>of those things?

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<v Speaker 2>You go to another place and they'll say, no, we

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<v Speaker 2>don't have to do that.

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<v Speaker 5>That's crazy.

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<v Speaker 2>I did do this and reuse blah blah.

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<v Speaker 5>I did no paint dent repair on one of my

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<v Speaker 5>vehicles recently. And that's when they come out with these

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<v Speaker 5>suction cups and everything to your house and pry out

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<v Speaker 5>the dent the best they can and you could barely tell.

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<v Speaker 5>And it cost me five hundred dollars on something that

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<v Speaker 5>at the dealership they told me it was going to

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<v Speaker 5>be eight grand, And for five hundred bucks, I had

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<v Speaker 5>the dent pulled out and it's not perfect, but it's

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<v Speaker 5>better than spending eight grand. Anyway. Here's a hands in

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<v Speaker 5>the producer.

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<v Speaker 1>A couple of things.

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<v Speaker 2>First of all, I'd ask him to see it to

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<v Speaker 2>suck the chrome off a trailer hitch, just to see

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

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<v Speaker 2>just don't know.

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<v Speaker 5>Katie luckily does not know that expression. So yes, if.

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<v Speaker 2>They, if they had powerful enough such an equipment. I

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<v Speaker 2>wonder whether that is possible given the principles of metallurgy.

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<v Speaker 5>And there are coarse gentlemen that will say there are

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<v Speaker 5>some women that could remove the chrome from a trailer.

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<v Speaker 2>Hitch, yes, which again would be you know, just forces

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<v Speaker 2>at such a level that they would do terrible damage

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<v Speaker 2>to say, the human body.

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<v Speaker 5>I've never said that in anyone who said it to me.

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<v Speaker 5>I have called the police, okay, back to handle. So

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<v Speaker 5>in a circumstance such as this, there's a couple of

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<v Speaker 5>things that you can do. And I've been down this

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<v Speaker 5>path before. I had a car that was totaled and

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<v Speaker 5>I told him no, and then they tried to give

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<v Speaker 5>me a check and I said no, and so we

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<v Speaker 5>got a bigger check because we had to talk about

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<v Speaker 5>it a little bit. We had to negotiate some So,

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<v Speaker 5>I mean I had to get a bigger check from them,

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<v Speaker 5>and I got to keep the car. So if you

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<v Speaker 5>start asking for things or demanding them, you don't have

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<v Speaker 5>to just take the check, and you shouldn't accept the

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<v Speaker 5>value that they put on the vehicle itself. So I

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<v Speaker 5>would if you haven't cashed the check, Michael, I'd tell

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<v Speaker 5>them to keep it and then say, hey, I want

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<v Speaker 5>to come into the office and talk to you about this,

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<v Speaker 5>and we'll determine what the value is of this car

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<v Speaker 5>and see if you can't squeeze you play some additional

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<v Speaker 5>funds out of them. You're a guy that last week

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<v Speaker 5>told us the story about you actually contacted the state

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<v Speaker 5>insurance commissioner or whatever frightened all lot of people.

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<v Speaker 2>Yeah, so, but help us understand if you know, why

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<v Speaker 2>would the insurance company say no, no, we're not going

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<v Speaker 2>to write a check for sixteen five hundred, We'll write

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<v Speaker 2>your check for twenty three thousand instead. Aha, gotcha, I

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<v Speaker 2>don't get it.

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<v Speaker 5>It could be it could be what Hanson just explained

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<v Speaker 5>there where they thought, if they want to negotiate, they're

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<v Speaker 5>gonna get way more out of us than this. If

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<v Speaker 5>we could just get this ended right now for twenty

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

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<v Speaker 5>that is that your guest hands home?

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

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<v Speaker 8>settlement amount.

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<v Speaker 3>I mean.

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<v Speaker 8>My point is is that you just shouldn't accept whatever

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<v Speaker 8>number they give you, even if unless it was beyond

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<v Speaker 8>the price that you paid, and you'd be like, hell, yeah,

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<v Speaker 8>let's party, let's let's go. I'm gonna go buy this

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<v Speaker 8>car and have a really nice dinner tonight.

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<v Speaker 5>I gotta admit I would have probably thought they've got

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<v Speaker 5>a way to calculate this that they don't budge on.

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<v Speaker 5>And they do, of course they do.

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<v Speaker 8>They they've got at least, and my circumstances rather dated,

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<v Speaker 8>but they they've got all kinds of resources to determine

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<v Speaker 8>the value of a vehicle. But my point is is

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<v Speaker 8>that you've got some additional things that you could bring

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<v Speaker 8>up if you had whatever change you might have made

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

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<v Speaker 8>of different arguments that you can make, and at least

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

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<v Speaker 8>want to close the case. Here's the leverage that you've

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<v Speaker 8>got is they want to close it as soon as possible.

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

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<v Speaker 8>So if you don't accept then they have to sit

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<v Speaker 8>there and go, well, what's the god my boss can

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<v Speaker 8>be so bis to me right now, right, But I

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<v Speaker 8>got to get this guy to close this thing out.

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

0:11:03.120 --> 0:11:06.280
<v Speaker 8>then take it. My point is, don't be satisfied, don't

0:11:06.280 --> 0:11:09.800
<v Speaker 8>accept it. And get as much back as you possibly can.

0:11:10.520 --> 0:11:13.360
<v Speaker 2>Okay, Hansen before we wrap this up here, not only

0:11:13.400 --> 0:11:15.679
<v Speaker 2>a big car guy, you're a big music fan. So

0:11:16.080 --> 0:11:18.480
<v Speaker 2>everybody's starting with Hanson or I can go first if

0:11:18.480 --> 0:11:21.720
<v Speaker 2>you want to think about it, favorite car or driving

0:11:21.800 --> 0:11:24.679
<v Speaker 2>related song. If you can't settle on one, you can

0:11:24.720 --> 0:11:30.040
<v Speaker 2>go with two favorite car or driving related song. Hanson,

0:11:30.080 --> 0:11:31.040
<v Speaker 2>do you have an answer right along?

0:11:31.040 --> 0:11:34.360
<v Speaker 5>Oh, there's so many. I will go with a passenger

0:11:34.440 --> 0:11:35.240
<v Speaker 5>side by Wilco.

0:11:35.880 --> 0:11:43.080
<v Speaker 2>Oh. Oh, yeah, you know I'm gonna go. I gotta

0:11:43.120 --> 0:11:45.839
<v Speaker 2>get go with two very different moods. Number one racing

0:11:45.880 --> 0:11:51.880
<v Speaker 2>in the streets, Bruce Co Champion, Highway Star Deep Purple.

0:11:52.240 --> 0:11:55.480
<v Speaker 5>I don't know that song, Katie.

0:11:55.600 --> 0:12:00.360
<v Speaker 7>You got a couple of Oh boy, I really I

0:12:00.360 --> 0:12:01.800
<v Speaker 7>can't think of one off the top of my head.

0:12:01.840 --> 0:12:03.319
<v Speaker 6>I know that's awful, but I can't.

0:12:03.520 --> 0:12:05.480
<v Speaker 5>There's a great Johnny Cash song, you know, the Johnny

0:12:05.480 --> 0:12:08.040
<v Speaker 5>Cash song where he talks about working at the the

0:12:08.200 --> 0:12:10.839
<v Speaker 5>GM factory and he stole parts over the years. Yes,

0:12:10.960 --> 0:12:13.600
<v Speaker 5>he assembled a car that was It was a fifty five,

0:12:13.640 --> 0:12:16.360
<v Speaker 5>fifty six, fifty seven, fifty eight, fifty nine. He assembled

0:12:16.360 --> 0:12:18.960
<v Speaker 5>his car from parts over years. He stole I would

0:12:18.960 --> 0:12:20.800
<v Speaker 5>go if ten year old me would choose hot Rod

0:12:20.840 --> 0:12:23.760
<v Speaker 5>Lincoln because I love that song. As a fantastic grown

0:12:23.840 --> 0:12:26.720
<v Speaker 5>up me probably go Tom Petty running Down a Dream Love.

0:12:26.800 --> 0:12:28.240
<v Speaker 2>Oh, that's a good one, Michael.

0:12:30.040 --> 0:12:32.680
<v Speaker 1>Oh, I was singing running Down a Dream too, but.

0:12:33.760 --> 0:12:34.400
<v Speaker 2>Oh you lie.

0:12:34.480 --> 0:12:36.120
<v Speaker 5>Chitty Chitty Bang bang, probably yours.

0:12:36.840 --> 0:12:37.560
<v Speaker 2>That's a winner.

0:12:38.360 --> 0:12:39.360
<v Speaker 1>That is a good one, though.

0:12:42.160 --> 0:12:42.920
<v Speaker 6>That's the one.

0:12:43.360 --> 0:12:46.319
<v Speaker 1>Take it, Michael, Little Deuce, Coop by the Beach, preat.

0:12:46.679 --> 0:12:50.760
<v Speaker 2>Fantastic classic there classic, three cards in a islid dust

0:12:50.840 --> 0:12:51.800
<v Speaker 2>or something. I don't know.

0:12:53.360 --> 0:12:56.040
<v Speaker 7>Well, I got that money. You can buy a lot

0:12:56.040 --> 0:12:59.600
<v Speaker 7>of chocolate pie. I guess that's it.