The Importance of Great Insurance (Jason Crashed his Rover SD1) — The Carmudgeon Show Episode Ep. 197

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This heart is crying, and so is his face. So is the Rover. The Rover's face is definitely different. On this episode of the Carmage and Show, we talk about the upgrades that I made to the lovely, previously, lovely 1980 Rover SD-1B8. That's a first-while lovely. First-while lovely. There's been an incident. I incidented the Rover.

In to another vehicle. Wow. Well, okay. On this episode of the Carmage and Show, very much not sponsored by Haggerty Insurance, but presented by the Haggerty Podcast Network, or similar, with Derek Tim Heifenscott and Jason Camisa, we'll talk about car insurance, or claims, and claims, and accidents.

And why you shouldn't smash into other cars on the road? Well, just inside after inside. Somebody's good advice. Okay. Well, don't clap too hard. You might break the Rover. Perfect. It's a nice gentle one for the Rover. Thank you. That sucks.

Was that the moment of silence further? Yeah, it was Anne moment of silence.

We can now go to the lower. The jingle. Let me go cry. Okay. Okay. The things are thinking. Yeah, yeah. That means the on-air science on air. I think from that camera. Illuminated. Yeah.

You have something you want to share with the class. I think they can't miss it. You've given your car. Strabismus. Strabismus. Strabismus. Strabismus. Oh, that's son of an ophthalmologist. Misaligned eyes. Oh, it's when someone's when their eyes point different directions. Yeah, we call it cross. I come from not if one's pointing out. Yeah, I

Rover has hit something did not move over. Rover. Yes. Rover has hit something. This is one of those episodes that I didn't want to do. Yet here we are against Jason's will. In my defense, I do believe this is my first chargeable insurance claim in 30 years. Congratulations.

In 1995, I smacked a curb in my Corolla. I did watch the cop get out of his car and slip and fall on the diesel oil that has been spilled in the intersection. So that was my excuse on why it wasn't my fault, but it was 100% my fault. Part of growing up. Did he actually fall? He didn't go down, but he had one of the slow motion comedy where the cartoon carried you have the drums. I thought it was funny.

I thought it was funny. He didn't. That was a long time ago. And yeah, so part of becoming an adult is admitting when you've done wrong and I've done wrong to the Rover. I see them pick up truck. Pick up truck. Well, you can see what happened is that clearly the bumper height of the Rover is did not correspond not correspond. And you can't even blame it on your sagging front springs. Oh my god.

You know, had I not replaced the springs, I would have just driven completely under the pick up truck. Okay, so this is what happened. I was driving down to Jay Leno's garage to do to film a segment on this car. I don't know when this episode is going to air. So I don't know. And I also don't know when Jay Leno's garage episode is going to. It could be live right now. It could already be live. It could also not be live. It could also not be. And so I left my house at four o'clock in the morning, knowing it's about a five hour drive. And I needed to be there by 11. So that was

give me enough time to go down there, check in the hotel, take a shower and just be refreshed and beyond on air. And I made a deal with myself. And this is one of those things that if you ever hear me say these words again, kick me between the legs because I said Jason, you're going to act like an adult. Stupidest words you can ever utter. I think you can ever utter. I can ever utter because some people just aren't meant to be adults and I'm one of them. The reason I did this was Leno's crew had a whole

bet that a pool going on how I was going to break down. Not whether I was going to really. Yeah. And they don't know the history of this rover. And it's impeccable. Reliability record for for long distance runs like when we bought it in Edmonton, Alberta and drove it down. I still can't we did that. I mean, either. I was such a mess. I was a mess. For the same reason that Jay Leno's crew was they were just convinced

that the car wasn't going to make it. Yeah. And his producer is a fun guy. And we had a laugh over it. He's like, I hope you're not offended. But like those cars wouldn't have made a 400 mile drive when they were new. So there's no way you're making it here. I mean, you don't want to shift the round of cheers that erupted when you're within AAA range. Yeah. That's right on the. So yeah. So I left it 4 o'clock in the morning. And the deal that I made was none of my normal hijinks, not that I would have ever done that unless I was in Mexico. But there are portions of

highways that are in Mexico, the in the Mexico that connects San Francisco and Los Angeles. Right. Where there's opportunity. There's just nothing around for exercise. Yes. And I thought there will no there will be no top speed runs, all the top speed of this car is barely enough to get you arrested, there were there will be no BS. Right. And the deal was so one of the most taxing parts of the journey on the car, not on on you is the grapevine.

Which is a 4,000 foot climb. Gradually at first to the 1,000 foot mark and then basically straight up a flight of stairs for 3,000 feet before you get to LA. And I decided fifth gear, no downshifting, just chill out. My normal way of dealing with that hill is the right shoulder at the limiter and third gear. Why the right shoulder and not the left one there.

No, because there's less traffic in the right lane because America. Yes, exactly. So my normal thing is just go up the hill at a normal rate of speed and just weave through the stupid people who can't figure out how to press their gas pedal because it's a 65 zone. And most of the traffic. So you have the people who are conscious that stay at normal speeds, 65 to 75 miles an hour. And then the people who just continuously slow down for no reason. And then you wind up with these clumps of people

who are all traveling together in each other's blind spots, pacing a truck. If that's in the right lane where this flashers on doing 31 miles an hour. And the intersection between those two types of people can be very dangerous. And so I just avoid by going around them all.

So now through the clump in this case. So anyway, so it's now 8 30 in the morning or whatever time it was. And I'm in the right lane. And the car is doing spectacularly. I should start out by saying I just did like 75 the whole way starting 80. The engine started to sound a little vocal. Right. So it's 75, 77, 78 miles an hour. It's a 70 zone. This thing was a magnificent cruiser.

Now with the new suspension on it, you know how good it was. Round wheels. Round wheels were on tires, I should say. And yeah, I know that I just kept thinking, my god, this thing is such a great cruiser.

And the only thing I I planned to tell Jaylena was the only real huge to merit on this car is the hold on is that I could stand another 100 horsepower. Well, there's that.

What's the first thing we did when we bought this car in Alberta express the anal glands?

There's a photo.

There was like June 14th, 2022 or something like that.

Whatever data was what happened was we got on the road and eventually rain. Yes. And it filled the trunk with liquid and we express that the next morning.

No, the biggest deficiency that we noted was that you couldn't see a goddamn thing out of this car.

Remember that mirrors are useless.

They have however many degrees of freedom, infinite degrees of freedom, I think it is.

But the one drops the one is the angle. So whatever it is, even when that left side mirror is adjusted properly, you just can't see a goddamn thing out of the back of this car.

And the way the pillar is you turn around and you can see a little bit, but you can't see into your own blind spot.

So we stopped and bought stick on one-inch convex mirrors if you remember.

First thing we did, first thing we bought for the car at Canadian Tire was those mirrors.

Because remember our buddy was like, I can't make a lane change. I can't see anything in this goddamn car.

You said the same thing. We were all like spinning around like, oh, I think there's a building there or there's a truck there or there's a jet plant, whatever it was.

So on the ride down when I realized was I started out obviously in the pitch darkness.

And then as it became light, I realized the mirrors are a big problem in the daylight.

Because in the dark, I can see the person's headlight. So I know there's someone in that blind spot in the daylight can't figure it out.

So I was going to say to Jay like, hey, it's a great cruiser up to about 78, 80 miles an hour.

There's a little bit of vibration left. I'm sure there's like a bent axle or whatever the hell it is.

It's just very mild, but it's a magnificent cruiser with great, great ride quality, just relaxed power, great seats.

But you can't trust the mirrors, right? So I came up with this whole way.

I was going to talk about the mirrors. Back in the day, we're criticized by the magazines saying they were worthless.

I think was the term that they used. And so at least it has them. That's true.

We did drive your Jaguar just now and it does not have mirrors.

It has the interior mirror. I don't understand how it doesn't have side mirrors. Is that not a thing in 1957?

You could add them if you wanted to, but it wasn't standard. That's crazy.

So here I am in the right lane, started out at about 75 miles an hour and started to go up the grade and it settled in right at about 70.

I thought, okay, fine. Foot on the floor, fifth gear. A lot of airflow coming in, there's no one around.

And so the rightmost lane of the grapevine, which is i5 south, is for trucks, and that's where I was.

Trucks often can do 25, 30 miles an hour and then they flashed us on below 45.

And so a couple of times I sort of left went around. If that is the rightmost lane, we'll call that one, even though I think California does the opposite way.

You go left to right as one would read, for example.

But that's the driving lane and everything else is passing lane, so that should be the number one lane.

But you're going, numbering them from left to right.

Okay, anyway, I'm in the rightmost lane. I would go one lane over and back and one lane over and back and whatever.

And the speed was sort of steady, temps were steady.

And I, it was everything I had to not just downshift into third floor and just fly up this hill because it's so much fun to exercise a car.

Eventually, I wound up one lane over passing a line of trucks with a silver pickup truck next to me.

And so he was now in the third lane from, from the right. I'm in the second, he's in the third.

And it was probably three miles of him directly to my left.

And I'm just foot on the floor. Like, I'm going to do whatever this car does in fifth gear and that's all there is to it.

And I, you know, after like 20 seconds, I start to get like, I need an escape route.

Like, I got to get away from this guy. No, Jason, you're going to act like an adult.

So no downshifting, no passing. And of course, I don't want to slow down anymore because then I'm not going to be able to speed back up.

It's called getting behind the power curve in an airplane at least.

Oh, really? Is it also in a car?

I don't know.

And an airplane, it's called getting behind the power curve.

All I kept thinking is, I don't want to let the guys win.

And an airplane you can't down change gears, so it's much more problematic.

And I'm like, I'm just not going to downshift and do bang off a 5,000 RPM run up this hill, blow the motor and prove those guys right.

So just stay where I am.

So after a couple of minutes, I started to get like, come on, like, just, what are you doing?

And I'm looking up to try to see the driver.

Is this person like taking pictures because that had already happened a couple times on the road?

People pace you and they take pictures because they don't know what the fuck the car is.

And I finally got a glimpse of the guy. I moved it right enough that I could see.

He's just out to lunch, looking straight ahead.

Doesn't even realize that he's pacing me.

Okay, fine. I just sat there.

And now I see pretty far in the distance. We're approaching two trucks that are side by side.

So I have no choice but to go downshift and floor it and pass him or duck in behind him.

And this is where the errors started.

I.e. Jason stopped trying to be an adult because you're emulating something you're never going to be.

We're being root cause analysis right now.

Yes. Well, I've had a lot of time to think about it.

Are you familiar with Dr. Reason's Swiss cheese model?

No.

When something goes wrong, if you imagine a bunch of slices of Swiss cheese laid successively,

the holes will not align, usually.

However, in the rare cases where the holes all align and a fault gets through,

those are all your sort of safety mechanisms that are supposed to prevent something from going wrong.

And if you do have a situation where all of the holes do align, then the nets,

the safety nets, the mechanisms that are designed to prevent a failure or problem fail to prevent.

And the problem gets through.

So anyway, we're passing gate number one or slice of Swiss cheese number one right now.

I mean, slice of one was don't let me on the roads.

Okay, sure.

So we're at slice number four or 78 or whatever it is, but there are more to come.

So I'm, so I just make the decision like let me just lift first just long enough to duck in behind him

and then floor it and see if I can like keep up with him.

And I did.

He slowed down at this point, we're probably in the mid fifties, like under 90 kilometers an hour.

And I'm like, oh fuck, all right, fine, whatever.

So I duck behind his pickup truck, floor it and wound up being able to pace him, right,

because he had sort of at some point slowed him.

And I'm behind him and I'm like, okay, this is, this has got to end now.

I can't, I can't do 40 something miles an hour up the hill.

I will have enough power to accelerate a little bit past him.

So I start to look over and what I realize is no one is there.

No one is in my mirror.

And if I turn my head, there is no car there.

However, there is a white Nissan Centra that's visible in the little tiny convex mirror.

So I keep looking over and I'm looking over and I'm looking around and I know

the motherfucker is there, but I cannot figure out where this person is.

And this goes on for maybe, I don't know, it felt like an eternity, probably 20 seconds,

but I'm like, looking in the mirror and I'm like, you know what, you know what,

there's one way around this.

I'm going to put my turn signal on and I'm going to start to nudge over to the left,

right, and it's a narrow car, right, there's plenty of room on the lane.

He'll see me coming and will honk flashlight or more, more likely he'll move in the car,

will move into a position where I can tell where it is and then either abort my lane change or continue,

right, but I got to get out of here because now I'm on the tail of a pickup truck.

I have no air and I'm thinking, now I'm going to re, like this is fucking, I'm trapped.

So I put the turn signal on and I start to move over and I'm just looking and of course,

I see the car in the convexy, but I don't see the car in the regular mirror.

And so I'm like, well, I just sort of duck forward.

I mean, it's kind of hard to do, especially if you guys are listening and not watching this.

But I'm like moving my face, plastering it against the window,

to look closer, more closely and see where this F and car is.

And I do one, two, and the third time I duck in and look,

and as I'm ducking in and looking at the little convex mirror, bam!

It felt like a large mosquito.

I mean, it barely felt it.

It wasn't really actually an impact.

And I'm like, oh shit, and I look forward and of course I have a windshield full of pickup truck.

So immediately, I'm like, okay, so I just hit a pickup truck and it's my fault.

My part of being an adult is saying it's my fault, right?

I wanted to commit a murder, might be a strong way of saying that.

But there was a sentiment close to that.

Like, why did he slow down?

Like, there's no one in front of us except for miles because this guy has been going so slow for so long.

But there are two trucks that were about to pass and he must have just lifted, or got scared,

or just fallen asleep, or Jesus told him to, whatever it is, it's my fault.

I hit him.

So I then pulled my signal on and we'd go over on the side of the road.

And I fully expect to see a scuff in that 43 mile an hour bumper.

I mean, like these bumpers are so big and they're on shocks or whatever.

I fully expected to see no damage at all.

So we both pull over and there's like a dirt pull away and I walk around to the front of the car and I see this damage.

And I was like, holy shit, like this car crumpled.

I missed the bumper completely and it just hit in the headlight effectively.

So of course, then I walk right, I took one look at this and I'm like, oh no, I walk over and this guy is shell shocked.

He looks very like wide eyed and suddenly awake.

And I'm like, you okay?

And he nods and I'm like, sorry, like I don't know what else to say, like other than sorry.

And so I just go like, let me look at your truck.

So I look at the truck, I scraped his bumper.

There's beautiful Persian aqua paint all over his chrome bumper.

And I just, I took a picture of the car, I took a picture of his truck and I went back and I'm like, sorry, okay.

Here's my insurance, here's my driver's license. He takes a picture of my stuff.

I said, can I take a picture of your license?

He said, yeah, I said, call the insurance company, they'll be hearing.

They'll be hearing from my, your insurance, you will be hearing from my insurance company.

Sorry, and bye.

I just got out of there.

So I just get back on the road and I'm like, what do I do?

Look, what do I do?

Now I have to make a decision in real time.

Do I turn around and go home or pull over and like, inspect the car more?

I don't have a turn signal, I don't have a headlight on that side anymore.

And then I thought about it.

Number one, there were two cars that were supposed to be filming that morning at Leno's Garage.

One is a car that we've interacted with in the past and I set up that appearance and the car broke.

And so I knew they were down one car to film.

Now they're going to be losing, they're going to have a whole crew set up and everyone ready to go.

For two cars down, that sucks.

But more importantly, I thought, what I want to do right now is just crawl into a hole and pretend this didn't happen and never talk about this again.

Fix the car, put it back on the road, put a smile on my face and say, what headlight?

What I realized was there is no, I am an employee of Haggerty, which is a classic car insurance company.

There is no better marketing tool for Haggerty than me talking about this.

And what I realized was the potential benefit to Haggerty is far greater than the embarrassment to me for having punty to pick up truck in a 45 year old rover of the hill.

So I called my nose guys, told them what happened, they're like, what do you want to do?

It's a car drivable, I'm like, I'm driving it now.

So I'll come in and they're like, well, you're a hero.

Well, what am I going to do?

It just, it happens.

And so, shift happens even, I'm wearing the shirt on purpose.

In case you can't see it, shift happens is one of Haggerty's slogans.

All right, let me start out by saying I am an employee of Haggerty media.

We create media for the benefit of Haggerty.

I am not an insurance employee.

I'm not an insurance salesperson.

I'm not an insurance broker.

I know nothing more about insurance than anyone else does other than what I've been exposed to.

And I've been with Haggerty for four and a half years.

I have been a Haggerty customer for 20.

And I've had a couple claims through the years.

I think this is the first one that's my fault.

But they did, for example, pay out when I got rear end of the Honda Beat.

And Haggerty did pay out when I hit the deer.

Now, I presume they subrogated, meaning they went after the hit and run woman who hit me in the beat.

I hope so.

She certainly deserved it.

But I don't think they were able to subrogate and go after the deer.

The deer, right?

Because it was dead.

Because it was dead and also, you know, bambies.

Uninsured motorists.

And my claims, the claims process has been magical, like magical, which is why when I had the, when I was given the opportunity to come and work for Haggerty,

I said, yes, because I believe in the insurance product.

We have never talked about insurance on the show before.

And that's for reason.

I don't want to sit here and be like, well, you should have whatever.

But this is an opportunity to talk about what the claims process is like on a, with a, with Haggerty insurance.

For me, right?

Maybe your mileage may vary versus what my insurance has been with other insurance companies.

So I've had another insurance company, a policy since January 7th, 1994.

And it's another company.

It's think of it as province pasture.

Yeah.

We don't need to name that.

But I've had claims through the years with other insurance companies.

And I have a direct AB.

So we're going to talk about that.

I have also, I've had actually very good, those are the two insurance companies that I have also used my entire life.

And I have had a province pasture.

Yes.

Very good experiences with both them and Haggerty.

Although I will say that I recently heard from somebody with a, at least SC.

And they said, hey, do you, would you mind telling me what that other supercharged, at least that you sold, what that sold for?

Because they're trying to give me 50 cents on the dollar of what the car was worth.

And I was like, who's there?

province pasture.

And I said, yeah, absolutely like whatever you need, I am happy to help provide information

because that's really awful when that happens to you.

And so yes, it definitely did that experience.

I mean, I think any car person who's had insurance experiences knows that if it's something that you love and is very dear to you,

some person shows up and has no idea what the significance of a, in certain name of car.

Choose anything extraordinary, especially if there's like a sort of pedestrian equivalent to it.

Or it's an exceptionally nice example or, you know, whatever.

I went through this with the Shiroko.

So in 2000, I had the car insured with pasture insurance.

And there was two lanes.

I think, at some point I think I've dug out the photo of this accident.

But there were two lanes of traffic.

The right lane was stopped. The left lane was moving it probably, I don't know, 20 miles an hour.

There was a mall to my right and somebody waved out a black Chevy Cavalier and just waved him out and I was coming.

And so I just boom and hit him.

This is how you ended up with front wheels in different locations, right?

No, that was different. That was no clean.

I just hit a curb and pushed the wheel back and didn't fix it for 20 years.

Thought I had fixed it. Paid someone to fix it and found out he didn't, if you remember correctly.

That was to exaggerate slightly one of the most upsetting events of my life.

So I was dealing with both pasture insurance company, right?

But also it was a very clear ad fault accident.

It was the other guys fault entirely because he blew through.

He just pulled out in front of an oncoming car.

And I think that was Geico.

I think he is insurance was Geico.

And I wound up bringing my car to a bunch of different places to get my truck to a bunch of different places.

And it was just without question your car is total, right?

The car's value was like $2,500.

And it didn't matter that I had had an appraisal for the car that showed that the car was worth like $10.

I think it was at the time.

Everyone was like, this is going to be an uphill battle.

They're going to take your car away from you.

And I'm like the fuck they are.

No one is taking this car away from me.

And I didn't understand at the time that your insurance company can't take your car away from you.

Yes, you have to sign the title.

Right. It's voluntary.

Right, but I was told they're going to take your car away.

It doesn't matter.

I, you know, at the time would have considered I'll buy it back and I'll have a salvage title, whatever.

I didn't even know any of that stuff.

I was 20, something 23 years old, 24 years old.

The fight that I put up to get that car fixed was a word winning.

A word winning.

I wound up showing up at the adjuster's house at seven o'clock or eight o'clock at night.

And I backed up my 192, his front door.

And I mean across his yard.

And I rang the doorbell.

And so, of course, I looked him up and I figured out where he lived and what we had gone back and forth and back and forth and back and forth.

And I said, you're not totalling the fucking car.

I don't give a shit what you think this car is worth.

I didn't use those words, right?

It's, I'm unconcerned with your little book that tells you what the car is worth.

I have an appraisal.

I know what the car is worth and you're going to fix it.

You're going to undo the damage that you're insured inflicted on my car on the victim here.

We went back and forth and back and forth.

And it was just this, like, I was geared up for a fight from hell.

And finally, one up at his front door, rang his doorbell with the trunk open.

And he was like, can I help you? I'm like, I'm Jason Camisa.

And he's like, okay, I ended him like, claim number, whatever, whatever is a claim against whatever your guy and me.

And he was like, end.

And I'm like, the trunk of this Mercedes is filled with my trophies, photos of the car and documentation of everything that's been done to it.

And I just started handing him binders and trophies.

And he couldn't hold them.

And he's like, I get the point. I'm like, you don't get the point.

You will get the point when you understand you're going to put this car back on the road.

No questions asked. Don't make me sue you, right, to get this done.

It was a nasty fight.

Eventually, the car got fixed because the dealership that I had.

So, a friend of mine worked at a new car dealership.

He was a priest.

This was the best part.

He was excommunicated from the Catholic church, probably because he was my friend.

But also because he did a lot of things he probably shouldn't have done.

And then I wound up getting a job at this car dealer, which cracked me up because I'm like,

you went from like pushing religion on people that they don't want to now pushing luxury cars into people.

This is the guy with the Impala SS.

Yes, I've heard some stories about him.

God, you remember all of my dirt.

So, Father Jim works at the dealership.

I'm in the corner and is at his desk.

There was a guy who I don't think is with us anymore named Lou Hallaba.

And Lou was the not general manager.

I think he was sales manager at the dealership.

And he said to Jim after I left, why is your buddy so upset?

Because you saw how absolutely stressed.

Just destroyed, I was over this.

And he's like, they're going to total the car.

He's no saying it.

I mean, it's not even close.

I don't remember what the numbers were, but it was like not even close.

And Lou pulled a move where he called the insurance company and verbally gave them a price.

I'm sure a statute of limitations has gone.

God, from then, I go to jail for this.

I'm kidding.

It wasn't me.

Lou just said, leave your car.

That's all I was told.

He's like, we got you.

He sent me all the parts.

So, it took me a while, but I got a hood.

I got a core support.

I got everything that I needed for the repair.

And he said, just bring them to me.

And the day after I brought all the parts,

Lou calls and says, come and get your car.

And I'm like, what are you talking about?

He's like, come and get it out of here right now.

And I'm like, well, I'm at work.

Get your car out of here now, kid.

Okay, so I take a taxi and I pull out and my car is done.

It's in the back, painted, fixed.

And I, of course, full tears.

Like, what is going on?

Get it out of here now.

Okay, what do I owe you?

We'll deal with that later.

Okay.

So I get in the car and I drive away and the whole car has been painted.

The entire car, painted.

Okay, and they give me a handful of photos.

And they're like, take this and get out of here.

They took pictures of the car and the paint booth for me.

They did the whole thing, fixed the whole car.

What had happened was Lou pulled a bit of a move where he gave one price verbally to the insurance company.

He got a verbal, okay, and fixed the car.

And before they could even process what happened, the car was already back in my hands.

So note, it was now a fight between the dealership and the their insurance company.

And I never heard, I was never involved about it.

I don't know what it cost anyone.

It's none of my business.

I got my car back.

I bought Lou Christmas presents every year from that point on.

Like, what am I going to do?

Had that not happened?

I don't even know how the story would have ended, right?

Same thing with my E30.

If I had had regular insurance on it when I hit that deer, it just would have been a disaster.

The difference between, well, let's talk about this.

So the E30, I'm an idiot, and I had it insured for I think $12,000 at the time, which was far less than the car's value.

The difference between Haggerty, which is an agreed value policy and traditional consequences,

when you start to agree or guaranteed.

It's an agreed, so Haggerty calls a guaranteed, but as far as I'm concerned,

you're agreeing to a value.

You are having discourse with a potential business partner about what you'd like to ensure your car for.

And that doesn't have to be market value.

It can be replacement cost.

And that was a lesson that I was given by Donald Osborne, who coincidentally works with Jay Leno,

but it's an appraiser and runs now the Audraine Museum.

Years ago, I asked him to, he wanted to drive the Shorako, because he had had one when they were new.

I told him no, no one gets to drive my car.

And he pushed and I'm like, fine, I'll praise my cars for me, so I know what to insure them for.

And the lesson that he gave me was you don't necessarily insure a car like this for market value,

because you have too much invested in it.

How many engines have you built? How much stuff have you done to it? Modifications.

So come up with what, what will make you whole if this car gets crashed,

which is find another one, build another motor, to make all the mods that you've done,

make the substantive improvements that you've done, and make sure you're covered for sales tax and registration

and shipping and all that other stuff.

And so I wound up dramatically increasing the value of all the cars that were insured, but we'll back up.

The E30, I had had a value, valued it probably $12,000 when it was probably worth 30.

And it just started out where I had that car insured for years and it just it appreciated

and I stupidly didn't change the value of the car.

I hit a deer, the adjuster comes to my house, and of course, now I want to paint a picture.

Like I have my prized possession, my prized E30 is crumpled.

So I back in the three cars into my two car garages I want to do, Mercedes Cosworth,

Shorako 16 valve, and the E30 in the middle.

And this guy shows up and I meet him outside and I'm like,

hi, so where's the car? And I open the garage door.

And the garage door opens and this guy goes, oh my God, a Shorako 16 valve.

And I thought, hey Jesus, this guy knows what he's looking at.

And he's like, oh my God, a flash silver 16 valve. I haven't seen one of these in so year.

Is that a Euro Cosworth?

Okay, I have hit the jackpot, the appraiser knows exactly what he's looking at.

So he makes a big deal of the other cars and he looks at the E30 and he's like,

oh my God, an E30 touring. That's really cool.

And so he's looking around, he's looking around, he's looking around.

And I'm like, shaking, I'm like, I know they're going to total this car.

Like I know that we're going to be back to where I was because I had it insured

for so much less than it's worth and that damage has got to be way in excess of $12,000

just because the number of panels hit.

Like I knew I needed fender, hood, fender, grill lights, bumper.

There was just a lot of stuff.

So the guy starts looking around, he's like, all right, let me do this.

Let me just give me a chance to look around.

You know, can you pull it out for me so we can really walk around?

It calls me back outside about a half an hour later.

And he said, you know, he said, look, this is going to be a lot.

And I'm like, I know I'm really nervous about totally in the car.

And he explained to me, he said, I am freelance and I work for,

a freelance appraiser and I work for a bunch of different companies.

If I were here for insert name of company, you'd be in tears.

You're fine.

How can he will work with you?

And I'm like, I have an underinsured.

I don't even know what your number is, but I have an underinsured.

He's like, they will work with you.

That made me feel a lot better.

And he said, what I want to do and what my job is to do is to put your car back on the road.

Say, what?

Like, that's not been my experience with car insurance companies.

The company is not there to put the car back on the road.

They're there to cash out as cheaply as they possibly can.

Screw you, screw everyone, junk your car and have you walk away in tears.

That was my impression from every other claim that I'd ever had,

including the Shorako.

So he's like, I want your car back on the road.

And he's like, look, here's the problem that I'm having with your car.

Is, do I really want a paint?

Fender, hood, fender, grill, spoiler, door, door, half the roof?

Where do I stop?

And I'm like, you stop wherever you need to do.

He's like, I got it.

At this point, you're never going to match this paint.

Like, I got to paint the whole car.

And I'm like, that's going to throw it over total value.

And he's like, okay, let's just work with me.

So he calls me the next day.

And he's like, I'm submitting.

I'm going to submit the lesser of the two claims because you're so concerned that it's going to be total.

But really see not allowed to know what you have an insured for?

I don't know if I told him.

But either way, he's like, let's do the minimum here.

And let's just talk about where we wind up.

And then if you need to do a supplement, if we have to do more work on, we will.

Okay, fair point.

The number was $11,000 worth of damage.

And now the car is insured for 12.

So we're totalled.

So what's the threshold for totaling?

85.

I think it was 85% of the time.

Again, I'm not an insurance person.

I'm an employee of no one to do with anything insurance.

So I get a call from an adjuster.

First of all, when I first called in, by the way, it was like,

hi, thank you for calling Hagerty, whatever, blah, blah.

And I'm like, I crashed.

I hit a deer.

And my expectation was, what are you doing driving the car?

Why are you out?

Why blah, blah, blah.

And it was no, are you okay?

Yeah, I'm okay.

I'm just upset.

Is the car okay?

How about the deer?

And of course, I have to be me.

I'm like, motherfucker's dead.

Right?

I killed it.

And that's sort of broke the tension and we started laughing.

And it's like, okay, let's, we're going to send an appraiser out.

We're going to just do, or an assessor out.

We're going to do what it takes to, and we'll regroup.

So I get a phone call.

And this woman's like, so we have a problem here,

which is that your car is effectively totalled.

And I'm like, okay, so I'm going to stop you right there.

I'm not willing to total the car.

And I'm just not willing to total it.

It's not going away over this.

Right?

And so we had some back and forth about what the actual value of the car was.

And it was, it basically came back as 30k is what we thought the car was really worth.

And I said, well, can't you just do it as like 85% of ACV,

which is actual cash value.

And we're below that so you can just pay it out and not total it.

And she's like, no, no, no, it's going to be 85% of your policy limits.

And that's not going to cover the damage.

And I'm like, well, can we make out a deal with a single one-time payment?

Where you pay me 85% of the car's value, of the policy value, minus a cent.

And don't total it.

And I get to keep my car and I'll cover the rest.

And that was acceptable.

Like it wound up being a little bit less.

That whatever it was, they understood the whoever adjusted.

And this is, by the way, 10, 15 years before I worked for Haggerty.

Right?

I was in a public figure at that point.

And I'm just a customer.

We worked out a settlement where it was a one-time payment.

They put the car on like a storage only insurance because they knew I was going to drive it.

And our thing is we'll send you this check.

You fix the car.

And when you're done, call it back to us and we'll re-appraise, we'll agree on a new value of the car.

And we'll fix this.

And we'll put it back on the road, you know, whatever.

I mean, it took a year.

But my thought was I'm mixing paint.

I'm not going to paint a half a car.

I'm not going to fix half of everything.

I shipped it down to San Diego, Carl Nelson's shop, which is...

What is that town?

La Jolla?

Being independent BMW?

Cut the floor out for me and replaced it with a West Coast floor that had no rust in it.

Cut out some rust everywhere else.

I got a new hatch from Germany.

I got a new glass from Germany.

We made this, took this car from a very nice 150,000 mile car to a car that won its first concourse.

I made it perfect.

And it cost me a lot of money, but I was happy to do it.

Like, this is the time you take to upgrade your car.

It's like, if it's in the shop, anyway, do it.

I could not have been happier with the claims process.

Did I get the whole accident covered?

For a biography?

Of course not.

But that was my own fault.

I'd undervalued the car.

That was the moment at which I said,

I don't care.

And I'm sure the insurance side of our business is going to hate me saying this.

I don't care what it costs to ensure this car.

I'm never going back to State Farm.

Sorry.

Provincial pasture insurance.

What I realized was, you negotiate the value of your car when you have all the power

when you're dealing with a guaranteed value or a agreed value policy, right?

I want to give you my business.

You need to agree to this value.

And it's a discourse.

Hey, I think my E30s worth $1.7 million.

You say you're a...

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A little bit insane.

I don't care you.

Is there a lot insane?

Is there another number that would work for you?

How about 50,000?

And you would say, maybe it's a little high.

We show comps at 41 and 42 and 43.

Maybe you can give us an explanation on why 50 matters well.

It's got this and that and the other thing and whatever.

And we say, okay, how about we...

We're going to agree on $47,000.

Yes.

That becomes not policy limit, not a policy, anything else.

This is the agreed guaranteed value that you say

you're going to pay me if anything happens to the car.

We shake hands, we agree on this.

I pay premiums based on that and we move on.

Traditional insurance will assess your car after when you have no power.

Yes.

When you need to make a claim.

When you're fucked, right?

And so provincial province insurance...

Whatever it was, Geico, whatever that other guy's insurance company

was not 25 years ago.

Do you remember?

Realized, the car's already...

Jason Shiraka was already crashed.

What's he going to do?

Uncrash it?

Nope.

Are insured, already screwed him over.

We're just going to fight with him until he goes away.

Versus somebody who's on your side saying, yeah,

we agreed that the value of this car is going to be X amount of dollars.

How can we help?

Okay.

That was the point at which I said, never again

would I have traditional car insurance on any of the things that mean a lot to me.

Of course, I have traditional insurance on my eGolf.

Right?

Would I love to have haggardy on it?

Of course.

I'd love to have an agreed value.

Because I have more invested in categories or contingencies of haggardies

that you have to have some regular transport device that's insured with conventional insurance.

Well, look, the company is, again,

I'm not an employee of the insurance side of haggardy.

But my understanding, the company is set up to ensure things that are people's babies.

Ensuring everything from, you know, in 1965 Mustang that goes out once a month

for ice cream to a 250 GTO that's worth, I don't know,

you tell me $50 million, whatever.

60 or 70?

Oh my God, really?

Yeah.

I wonder what the insurance premiums on that are like.

But either way, probably less than you think.

I don't.

I don't know what to think on a $70 million car.

When I tell people what the premiums are for the mirror, they are surprised that they're not higher.

Well, this has got to be baked into the actual real data, right?

At the end of the day, I think I have nine cars insured with haggardy.

I'm going to do everything I can to keep them out of harm's way,

not because I care about haggardy's bottom line, sorry.

But because I don't want anything to happen on my cars.

And I think that they are operating under that assumption

and their actuarial calculations reflect that.

It also has to do with, I mean, I'm always mind boggled at how

that I'll have two different cars insured for the same amount

and how the premiums are radically different

because of these sort of actuarial calculations

that go into the risk profile associated with this car versus that car.

My 30s are four or five times, maybe three times

as expensive as other cars that I've had that are the same value.

Why do you think I like old man cars so much?

Nobody ever crashes or steals them.

So they're incredibly cheap to ensure for like very high numbers.

The Lotus was expensive.

And so the Lotus was very easy.

They'd do a $15,000 parking lot bonk.

Can you even do only an only $15,000 parking lot?

Are they more than that?

I don't know.

For a clamshell?

Luckily, I never had a claim on that car.

But no, that was a...

And by the way, that's not a classic car in the sense.

But haggardy doesn't show them as exotics and sort of...

As a special interest car.

No one's dailying of at least.

Not no one.

But anyway.

So this claim, for example.

So I make the decision to go down to Leno's

and I said to the guys like, look, let's just film the car as it is.

I haven't seen the episode yet.

I don't know what they cut out.

So I'm just going to tell you what actually happened.

Because editing makes things better.

I said, listen, would you just do me a favor?

Let's start the episode out.

The episode's always start out.

This is my fourth appearance on Jaylon's garage.

And they always start out the same way.

The front's record of the car.

Jay walks out, introduces the car, says a couple of things about it,

and then brings me on.

And this time, I said, would you just do me a favor and start

with the back of the car?

And so it looks fine.

And then we'll spin it around.

And they're like, we'll just put on gojacks

and have the crew come out and spin it around while Jay's talking.

And Jay, right off the bat, is like, hey, you know,

welcome to the episode of Jaylon's garage.

I'm here with our friend Jason Camisa.

And his beautiful probably didn't say beautiful.

But in my mind, he said beautiful.

Beautiful Rover SD1.

Now this is whatever the car.

And we had a pool going on how he was going to break down.

And he wasn't going to make it here without incident.

I think was the line he used.

Whatever it is.

They spin the car around and I walk out.

I'm like, well, there was an incident.

My point was, this was a great opportunity

for me to actually parrot Haggardy's line of shift happens

because it's true.

If you take your cars out into the world

and drive them, eventually something is going to happen.

That's why you need to have good insurance.

And I have great insurance.

And I buy everything.

The values that I have the cars insured at are replacement cost,

which factors in what it would genuinely take.

If that car got hit with an asteroid,

I want to sit back and hire someone like you to go find me another one.

Right?

And that means paying you, paying sales tax on it when I get it and whatever.

And thank God I had that insured for more than market value,

not that much more than market value.

But enough that I would be able to find another beautiful SD1 in that condition.

Do not blink like that when I say beautiful.

I have not blinked at all.

You tried.

You were like, I wanted to find,

I have it insured for such that I would be able to replace this with a comparable condition SD1.

That was my goal.

Thank God.

So I call, this is now a month, speaker phone with the claims people at Haggardy.

And in front of Leno's people, because I'm just, I'm changing.

We have three minutes before we have to go on.

And I'm like, I just need to know right now I'm about to film for the next three hours

how the fuck I'm getting this car home.

What do I do with it?

I'm 400 miles from home.

By the time we're done filming, I'm not going to be able to make it home without lights.

So I can't drive back home now.

I frankly don't think it's safe until I sort of open the hood

and look and see what's loose.

I don't want stuff, you know, a headlight flying off and hitting another car.

What do I do?

So the claims person is like,

when I say ridiculously helpful,

I don't want that to sound like a bad thing.

It was like, it sucks.

Imagine a world in which your friend calls you and says, I had an accident.

It's like, how can I help?

How do you want to get home?

I'm like, I don't know.

Like, okay, do you want to fly home?

So as it turns out, Haggardy's something called Private Client Services, PCS.

I only know this because I'm a member.

There's a certain amount.

It's a bulk discount.

If you don't have a certain dollar amount of cars insured or a number of cars,

you become PCS, which just entitles you to slightly different,

you can purchase different coverages.

I don't know the ins and outs of this.

All I know is when I was offered everything, I said yes,

like tool coverage, trip interruption coverage.

Yes, all of the things.

I just, and I'm so glad I did that.

Because I envisioned, I'm 1,200 miles away from home,

I hit a deer.

What the fuck do you do?

How do you get home, right?

So the lady on the phone is like, we have this coverage,

whatever one was like trip interruption will get you home,

no matter what you need to do, just get home.

Don't worry about that.

Then we have, because your car is more than 100 miles away,

I think that was the delineator.

Basically, you can't Haggardy roadside the car home.

You have a different set of coverage that kicks in to get the car home,

or wherever you want.

Like, we'll ship to a shop, we'll ship to a home.

That's all covered.

And then, by the way, don't worry about shipping it somewhere near your home,

ship it to where you want the car to be fixed,

because then we'll have a different coverage

that will get it back to you if you need help getting the car home.

So they're okay.

Well, let me just leave it at Jay's garage and just fly home.

Like, I left my house at four o'clock in the morning.

It's now one and three.

Presumably without a toothbrush or anything like that.

No, I mean, I did sort of expect to maybe spend the night.

I just didn't have any plans, but at this point, like, I just want to go home.

I got a really bad day.

I crashed a 45-year-old at beautiful condition.

Say I didn't say beautiful.

Beautiful Rover SD-1.

And I felt terrible about it.

And I just wanted to go home.

Leno's garage is at the airport.

It's like at Burbank Airport.

So I just asked Jay, I'm like, would you mind if I leave the car here for a couple days

until I can have it picked up?

And I just fuck off.

And he was like, yeah, and do whatever you need.

So I just flew home.

So next day, I got a call from the claims adjuster.

And she's like, OK, did you decide anything?

And I'm like, yeah, I think I'm just going to ship the car home.

And I flew home.

She's like, OK, send me all your receipts.

I'm like, well, let me wait until I get the car shipped to whatever.

So two days later, I have our usual shipping guy that we use.

I call him.

I'm like, do you have a truck empty truck leaving LA anytime soon?

He's like, I won't coming tonight.

Just driving the right past Burbank.

Would you me favor and pick up my rover?

And just bring it back to me.

And he's like, what happened?

I told him. He's like, oh, man, that sucks.

OK, so he picks it up.

I pay him.

And so now I call the claims adjuster.

And I'm like, I have my air, my airfare.

And Uber to get me home from the airport and the car shipping.

Within one hour of emailing those receipts,

I had a link to click on to get the money deposited directly into my bank account.

No questions asked.

And I was like, where's the catch?

Like, is this held against me?

No, no, no, that's just the insurance you have.

OK.

They sent me a link to take photographs with an app,

to take photographs.

And I've been there before.

I did this with the beat.

To take photographs of the damage, 24 hours later,

and a browser or some other aggregate person called me,

and was like, hey, I'm working on your case.

I had to look up to see what the hell of SD1 was.

Like, he didn't use that language, but I'm sure he was like,

what the fuck is this car?

Found some parts online.

I've been doing some research.

We have a number.

And then, Wallam on the phone,

I get an email from the original claims agent

with a PDF copy of that report and a link to claim the money.

I was paid out in full for the claim of the car within 26 hours

of submitting the claim and within 48 hours of the whole thing.

With apologies from everyone on the way

and requests, how can I help you?

The difference between this and that car being insured

by farmer's co-of-guy or anything, just a tradition.

It's forget it's nothing to do with the insurance company

and everything to do with the type of insurance.

That car is total.

That car, according to its market value, is totaled.

That would be the end.

That rover would be O'Revoir, done.

Or over.

O'Revoir is over.

For nothing, for what is effectively

the definition of a fender bender?

I think that is technically the hood

and broke the side marker.

But yeah, that is a fender bender.

And, I mean, this is a couple thousand dollar repair

and there is no end to the, first of all,

if Haggerty hadn't paid.

If I had a regular insurance company

and I knew that they were just going to fight me in total it,

I would just pay out of my pocket.

Number one, because I feel terrible

for having done to that to a car.

And number two, I'm not ready to say goodbye to the rover.

So I'm paying one way or another.

The difference between knowing that I would be gearing up

for the fight of that car's life,

not of my life, because I already done that with the Toronto.

And knowing that I would not be able to keep my car

that I love is horrifying.

So I've talked to the people on the insurance side.

I cannot sell policies and do whatever else.

But I did buy a URL.

And I want to know how many of you people are going here.

I'm going to set up a URL with a forwarding,

JasonSentMe.com.

And we will pull this in the thing

that will go over to Haggerty.

And I just want to see how many people do this.

Go and get a quote.

Because, and this is not Jason as a Haggerty employee

saying any of this.

This is Jason as a car person who really almost lost

his Sheraco, his E30, his beat, and now this.

This car would be gone.

The Sheraco would have been gone if Lou hadn't pulled that move.

The E30 would have been gone if it was insured with anyone else.

And these are things that are so important to me

that it would have been nightmare.

The Sheraco took years off my life

saving that car from being told.

Sorry to say, I wouldn't,

it doesn't matter that I work at this company.

I wouldn't insure this at my cars.

I wouldn't have my cars.

Because I wouldn't be able to drive them,

because I wouldn't trust the insurance company.

But I wouldn't insure my cars with another company

if they gave me insurance for free.

Period.

And I think that's the highest endorsement I can give to anyone.

So as a thank you for what Haggerty just did to me with this claim.

Knowing that my car will not do you did for me.

For the Rover, for this claim.

As a thank you for knowing that this car will be back on the road

fixed looking more even more beautiful than ever.

I'm doing this back for Haggerty and saying,

guys, go get a quote.

Go get insurance.

Making me want to go have a car crash.

Please don't.

I know I'm kidding.

I hate having car crashes.

I mean, not that I really have had any.

It's fucking, it is terrible feeling

to take something that you love and bash it into a pickup truck.

It's a horrible, terrible feeling.

Like, how could I have been so stupid?

Yeah, at some moment you replay over and over and over and over again.

And all I can say is thank God.

I didn't pitman over him by mistake.

He didn't spin out and get hit by a Mac truck.

I didn't get hit by a Mac truck.

I mean, these things go from, of course my Instagram feed is all full of like

I follow a thing called battle buff out.

And it's just like one horrendous accident after the next.

And you're always like, oh, that's not going to be so.

Like is that?

You know how escalated quickly.

Yeah, you know how quickly the stuff can escalate.

I'm so thankful that all it was was a bump.

Oh, shit.

God, now I scratched the bumper on the way to Leno's.

Right, that's all that I thought it was.

It could have been so much worse.

But I want to educate all of the people who,

I do this all the time personally among all of our friends.

Yes, I mean, it happens at cars and coffee or anytime there's.

You know, the anger he's exposed through.

The anger he does or everything is, I don't,

I don't find it expensive most of the time.

So I mean, I remember specifically when I switched to

Haggerty, my costs went down by a third.

Yeah, mind to.

And a lot of times people will write to me and say, you know, blah blah.

Like the motorcycle insurance is ridiculously cheap because, you know,

the bikes that I ride are historically very expensive conventionally to ensure.

You know, it could be $1,500 a year.

For motorcycle.

For those bikes.

Yeah, probably.

With conventional insurance.

Medical payments alone.

Yeah.

But with Haggerty, it's like 150.

Listen, I don't, I can't talk about premiums because I don't know what everyone else pays.

And frankly, after 20 years, I'm not, with this company, I'm not shopping around.

Yeah.

I don't care.

Like I, the difference between knowing that I have a bubble of protection around me

where we've already agreed on the value of the vehicle.

That's the key point.

Right?

We've already done it when the car is whole.

And if I don't like the number, I can go shop with someone else, right?

Or I can work with the agents on the phone and send them pictures or send them copies of

the trophies.

All the shit I had to do in the Shorako after it was crashed just to save it.

It's stuff that you can do in advance.

And I, so again, it doesn't matter what company you go with.

Make sure it's an agreed value policy.

And for the record, my dad had a fire in the 6.9.

I think that we might have ever talked about this.

Yeah, I think so.

100 years ago, I sold him my Mercedes 6.9 and it burned to the ground.

And he had, while he was driving it, so thank God he got out.

He had, with another insurance company, he had a stated value policy of 30.

I think it was $30,000 stated value and was paying premiums on a $30,000 stated value for the car.

And then when the accident happened, I think they offered him something like eight.

Or when the fire happened, he offered someone like eight and he's like, wait, what's going on here?

And it turns out that a stated value at the time in the state that he lived in,

I am not an insurance expert.

In fact, I'm an insurance idiot.

I know nothing about insurance.

I have to say this because we are part of the hybrid professional driver,

professional driver, close course.

The insurance company offered him, I think it was $8,000 and they said, no, no, no, no, hold on.

Your stated value is not a guaranteed value.

It is a ceiling.

It's the insurance company limiting themselves to that amount,

with no guarantee that they would even come close to paying that amount.

And he's like, but you've charged me premiums on that amount for all these years.

And like, yeah, isn't that sweet for us?

Yeah.

He sued.

I mean, it's the only time my father ever got a lawyer in his life and won.

And they gave him 20 something, whatever they were able to prove the car was worth $27,000.

Minus the legal fees and whatever he wound up with barely more than the $8,000 that they told him.

And the difference between that and like, okay, my car is totaled.

We've agreed on the value.

When I had the discussion with the agent on the phone about this car,

she was like, okay, you have declared the value.

We've agreed to X amount of value.

They do a quarter.

I think this might be private client services,

but they do a quarterly increase in value to keep track with inflation

just to make sure you're covered during that 12-year policy window if the car's appreciating.

She's like, you have a little bit more to work with.

If the car turns out to be a total loss, this is the amount we'll give you.

And it's the amount that we agreed on plus that thing.

No BS.

No questions.

None alike.

Well, we looked at your Rover and we saw a ding on the hood.

And did you ever consider that?

Or, you know, me?

Well, one just sold on bringing a trailer with, you know, for $46.50.

And I'm like, well, that didn't have an engine in it and rust holes inside of it.

None of this bullshit, which is exactly what you'd get from anyone else.

Yeah.

So I set up that, again, Jason sent me.com.

Hopefully I don't get trouble for this.

I just want to know, go and get a quote and understand the difference between negotiating the value of your car

and ensuring it at that value versus waiting until it's already crashed.

Because shit happens.

Shift happens.

Shit happens.

I mean, I drive my cars.

What?

I mean, I do my annual thing.

All of my old cars.

What?

12,000 miles a year.

That's a lot of miles to put on 30, 40, 50 year old cars.

And if I think back to over the 20 years, shit's happened.

Shit has happened.

I mean, knock on wood.

It's never been anything major.

No one's ever gotten hurt.

But the dumb bitch that rear-ended me in the pickup truck when I was in the beat.

Hey, that happened.

It was because I was driving the car so that I, to my friend's house where I was staying for a new year

so that I can get up the next morning and do a classic car rally.

Sitting in a red light, minding my own business.

Bam!

Rammed.

I got my ass rammed.

My beatass got rammed by whatever it was.

We came up with something at the time that was funny.

But it was one of these, oh god, I hope it's not total.

Because that's another worthless car.

Right?

The worst part of owning a worthless car is that it's gone like that.

A fender bender totals it.

Well, you can avoid that.

Also, I don't know if Haggerty would work with most people about, you know, the one-time payout

like they did on my E30 to settle the claim.

But I wasn't private client at that point.

I was just Joe P. Moron, slash Jason Camisa the Moron.

And that was a possibility.

The key point is we agreed on the value and they were willing to work with me, not be my adversary.

And so, number one, I wouldn't consider ensuring my car without an agreed value period.

And number two, after my personal experiences as a just normal customer with Haggerty,

I hope they don't double my rates, but they could double my rates and I wouldn't consider going anywhere else.

Because the most important thing to me is protecting my assets.

And this is not a financial thing, assets-wise, it's an emotional thing.

I have an emotional attachment to most of my cars.

I have a shit ton of money invested in it even more time in that.

But so, this is the episode that I've was told I'm not going to do.

I've never talked about insurance on any of the Haggerty videos that I do.

And I never thought we would do in Carmudge and but it's just I'm so appreciative of what this company has just done that they deserve our audience to understand.

This is a literal matter of survival and life and death for your old cars.

And I'm a fucking idiot for punting a pickup truck.

How did the pickup truck make out?

Let's find the bumper got pushed in, you know, an inch.

I mean, you know, it's one of these things that like, it was such a non-event that I'm like,

I genuinely thought it was going to be a scratch.

And had I hit, we hit, impacted, you know, 100% coverage, so 100% coverage, bumper to bumper,

there wouldn't have been a scratch.

I hit the rover, obviously, totally missed the bumper and hit a portion of the car that has no structure behind it.

And on the pickup, it was the extreme left edge of his bumper, so there's no support there.

So it did push that bumper in a bit.

I don't know what damage was in his car.

I mean, I immediately called and I said, it's my fault.

I would love to just grab him by the neck.

I would love to interact with that person and say, why did you slow down?

Why did he, he must hit the brakes.

I don't know.

I was looking.

I mean, I wasn't, you know, it was like I'm not going to, obviously not going to be driving while staring in the mirror for minutes on end.

Another glance and then I really like, where is boom?

And so I didn't see brake lights because I didn't see the back.

I didn't see the impact.

It was just bam!

What?

Oh, damn it.

I scratched the bumper.

No.

I totalled my car.

So now I have to go and find parts for that car.

Well, hopefully you were hoping to take a vacation in England.

Nope.

But I did find rumor brothers in the UK has brand new fenders.

Wings as a whole.

Yes.

So I'm going to buy a new wing.

That's a near side wing in England.

It's a near side, yes.

Which means that you have one contact on this side of, for the near side in this and one of them.

No, it's a near side wing corner light.

And again, here's my thing.

I feel a little bit, I feel a lot bad on the car.

And so I have this thing like, you damage a car, you put it back at the very least worst case scenario, you put it back to the way it was before.

Best case, you use the opportunity front upgrade.

So if I can find them, I think I'd like to do series two headlights, which will fit that grille properly, and will not stick down two inches or an inch and a half below the front, the hood.

Because it looks dorky right now.

So the one thing about this car that mercifully few people have commented on, because now, because nobody knows how it's supposed to look.

A million people have seen the video on this, the Revelation video on this car.

Those headlights should not be sticking down that far.

They should be effectively flush with the bottom of the hood.

So it looks a little bit dorky.

That was done because we got the car home with the US headlights.

And my buddy Sean was like, get those fucking horrible headlights off the car.

I'm like, yeah, first thing we got to do.

A, you can't see anything.

And B, they're hideous.

And he had a set of series one headlights.

This is a series one car.

But series one cars have a blue or, you know, a colored strip.

Below them, but they also have a trim piece that covers the bottom inch or so of the headlight.

So it all fits in.

Fits, but they're recessed in kind of awkwardly.

They look smaller, but they're recessed in in a weird way.

Series two, which is this grill that he also gave me, has physically smaller headlights.

So I'll do that.

If I have to buy, I can't find a single US corner marker.

Like, that's just never going to happen.

Why don't you do?

UK on both sides.

Yeah.

I'll do European corner markers just because that's what's available.

And then, and then I'm done.

And the car gets put back.

And as it turns out, it looks like we're going to do the red line team, Haggit's red line, red line rebuild team, is going to do a motor for me.

So I think I'm just going to put it on a truck and say, all right, I'll fly to Michigan.

I'll pull the motor out with you guys.

Let's have a party.

I can apologize to the car one last time, ship it over to a body shop.

They can make a video making a Buick 215 hot rod motor for me.

And then when I go to pick it up and drive at home, or ship at home, whatever I want to be doing, I'll know that at least the car is better off than it was before this happened, which makes the whole

It's less painful, right?

We all fuck up.

Happens.

It could have been worse.

I really wish I could have just not said a word, fix the car.

Say, hey, I upgraded the headlights and never had to admit to you that I crashed your favorite rover.

You have no affinity for this car to you.

I don't really for any car.

I wish I was more like you.

It's about repeatability.

This car is unrepeatable, actually, I would say.

That's surprising to hear from you.

Well, I mean, when was the last time you saw one of those?

I keep getting pictures of the Maroon one.

Yes, with California plates.

It's an LA.

I saw it on the side of the road.

Did quite the Roscoe P. Coltrade and you turned to get pictures of it once.

I don't know what the hell I was in, but it was very much a...

It wasn't a meana press car, and I just e-braked it and spun around and went and chased it down.

It's a Maroon U.S. spec blue plates.

Manual with blue plates and leather.

People in LA just keep sending me pictures of it because they keep seeing it, right?

That's it.

I don't think I've ever seen another one in this color in person.

I've never seen another one in this condition.

And the truth of the matter is, even if this car had been totaled, if this was a big crash

and it had been totaled and I got payout from Hagerty for the amount I had insured,

it might cover buying of a test, which is the 190 horsepower.

So, or a molligation one in Europe.

But I don't want a series two.

So, I really... I agree with you.

I think the car's unrepeatable.

I guess the other question is today.

Do you think I should upgrade to Eurobumpers or leave it U.S.?

I would.

I mean, that was the first thing I had said when I saw the picture you sent me or when I saw...

God damn it, you missed it.

You missed the horrible U.S. bumpers.

Why didn't you bump those?

I don't know.

If I can find a set of used, good condition Eurobumpers.

Again, while you're in a body shot, right?

Have a mountain of extra work done.

God knows what's underneath those...

I mean, there's no rust on the car, but God knows what's underneath those wraparound,

plastic corner of things.

It's probably a rodent nest or something.

Or an ant burrowed through.

And I mean, you know, this car is made out of paper.

So, yeah, I will probably see if I can find additional parts for it.

So, I get it back.

It'll be prettier than ever.

Less sort of walrus bucktoothed.

Because the headlights...

If I can't, I've looked.

I can't seem to find any series two headlights anywhere in the world.

Series one or all over the place.

But series two just don't seem to exist, strangely.

And then I have to make brackets.

Maybe I'll call our friend Adiz who makes us these really cool stuff

and ask him if he can 3D print me headlight brackets.

Hey, new Rover SD1.

Yeah, he can start a new business of 3D...

Rover SD1 replica headlight brackets to convert series one cars to series two headlights.

And all one Jason will buy that from him.

Yeah.

Well, shit situation, shit sandwich.

Good job making lemonade.

Hey.

Or lemonade in progress.

I feel like I owe that to Harry.

Because of how I've been treated from day one.

And again, nothing to do with the fact that I'm an employee.

I didn't know.

I mean, they figured it out.

But it certainly wasn't an employee for my other claims.

And it's just been it's been magic.

So cannot give a better review.

Five star.

Wow.

So, oh, Rover.

To the Rover?

For now.

It's not...

Well, yes, it's the little definition, dictionary definition of Rover.

Which is until I see you again as opposed to goodbye.

Yeah, we have a reliable coming to pick it up.

To bring it to Michigan.

And then I will probably delta my way there.

It will be the most expensive car in the entire truck undoubtedly.

When you say most expensive.

How do you define that?

I'm assuming it's going to be empty.

It's 16 car carrier with one car in it.

And the other 15 empty spaces will be worth more than the one.

This is the problem with having ship boxes, right?

You can't total them a clear enough one.

Rowan Atkinson tried.

Repeatedly.

You can't fire.

As long as you have a van, a van plate, you can make a new one.

I mean, I think I was somebody told me it would be $3 million.

A van fire.

A car suffered a van fire.

I think it would be $3 million to make a McLaren F1.

So why aren't people doing that?

I mean, what's it going to be worth?

I don't know.

But there is a certain dollar amount.

Like, you can make a new Mura.

Absolutely.

You can go find whatever stuff you'd have to dig up.

But you probably could find it.

You could do it.

And it wouldn't be, I mean, it wouldn't be what's the McLaren F1 worth?

20.

Yeah.

I don't think they're totalable.

I mean, there are very few ways to total a double-digit million dollar car.

And, you know, regular cars that are worth.

Think about it this way.

You know, you crash up, I don't know, an F40.

Like, there were the string of crashes in F40 last year, right?

Man, this year.

Was this year, whatever it was, I just keep seeing them in my Instagram Reels.

What are they worth?

$34 million.

How the hell do you do $34 million?

I mean, 85% or 70% whatever it is, of that kind of,

if it's $4 million car.

I think it's probably just stuff you can't get.

And I guess you're saying it would be feasible to me.

These would make it.

If they made it once, they can make it again.

Right?

I mean, when you start getting to carbon tubs and, you know,

whatever else it gets.

Engine castings.

That sure you can find more.

Cross-fading gardener.

Does it?

I'm sure you can find something, right?

That's my thing is.

It's the sort of regular every day.

So everyone thinks that Haggerty is, like,

Haggerty's business is ensuring, like,

gazillion dollar car collections.

I don't...

The data that we consumed was very interesting on this subject.

We talked about this in public, right?

I think we talked about it.

They were all, like, the top 20 most considered cars.

More Mustangs?

They were all American.

There was not a single car.

Volkswagen Beetle.

That's it.

It's bread and butter car.

Well, it's just volume, right?

It's the volume.

It's like these guys who are billionaires

because they make disposable diapers or styrofoam cups

or plastic bags or...

But in huge volumes.

But in massive volumes.

I mean, the one thing I'm going to say is that Haggerty

does have restrictions.

Let me...

Let me sell this.

Again, I'm not an employee.

This is anecdotal shit from what everyone shows me about.

In reality.

Yes, I'm not an insurance employee.

People complain that...

The Haggerty won't give me insurance

because I don't have a place to store my car.

Well, fair enough, right?

The whole point.

It's not fair enough.

I don't know what the actual data is, whatever.

But from...

I can understand that, right?

The reason why the rates are sort of tenable as they are

is because the cars sit in sort of safety

for the mass majority of the time.

I mean, the lengths I go through to protect my piles of shit.

And I mean that.

I mean, my car, like, you know, other than the 850,

my cars are kind of worthless, right?

You know, I was looking the other day at somebody in my garage

like, wow, how do you have all these cars?

Okay, Shirako, I paid $1,500 for...

E30, I paid $1,500 for...

Kaby, I paid $2,200 for it.

Like, these are not...

They're worth a lot more now.

But I've had them for 20 to 30 years.

They're not hugely expensive cars.

And I go through great lengths to protect them.

So I understand a street.

You're going to a street park,

your insert name of enthusiasts car every day.

That's not a collectible car then.

That's your transport, right?

Or you're going to park it, you live in the hood,

and you're going to park it in your front lawn.

Maybe you should reconsider protecting your car,

because...

Yeah, I mean, I'm somewhat ashamed to admit

the number of, like, sort of important life decisions

I've made on the basis of parking.

We live in a very geographically compressed,

densely populated area,

where the roads are tiny,

the garages are tiny, the storage base is tiny.

And people are shitters.

That's so many...

There's just people who just are so disrespectful.

I will never forget.

I mean, I don't need to tell the story.

But a woman hit my car while she was parking,

my 911, my first 911,

and I ran downstairs and confronted her

and she opened her window and she said,

it's a bumper and it's San Francisco.

These are the people out there.

She's dead now, right?

Declined to respond.

I know her address.

I still haven't memorized because I was so enraged.

I hope considerable ill fault befalls her

if it hasn't already.

I mean, I've continued to hope that about the beat.

Yeah.

But, like, the Shorako got rear-ended in God-99.

I was sitting in a stop sign waiting to go through

and there was this woman behind me with two kids in the car

and she was screaming at them and you just know.

Like, you just know.

Same thing with the beat.

I did everything I could to get away from her,

thought it was done, wound up at a red light,

a mile down the road and bam, and it was her.

But this check was just manic.

And screaming at the kids and I just kept looking at her

and I'm like, oh my God, don't hit me.

Don't hit me, don't hit me.

And I'm sure enough, bam, just hit me.

That was the first claim that I had in the Shorako.

Like, okay, well.

But, you know, that was an easy cut and dry.

Like, she rear-ended me and, oh, whatever else.

But I've had too many bad experiences

with too many human beings on the road who just think,

well, it's a car.

Yeah.

It's disposable to them.

It is.

And if I were driving a Ford Probe back in the day,

I would have agreed.

Nothing, no offense to anyone with a Ford Probe.

But, like, you know, most, I think the honestly,

the worst part about being a number of Ford Probes

ensured by Hackety.

Well, the one that, the only probe that I really care about

is the one that I broke.

Nick Scambler, he's got to talk about a couple of weeks ago.

But the worst part about being enthusiast

and I've said this to people for years

is that I am taking my favorite toy.

This is, I mean, let's be realistic.

These are toys, right?

I'm taking my favorite possession.

The thing that I care about more than

any other inanimate object in the world.

And out and mixing it in putting it harm's way

with people who genuinely

not even don't care,

couldn't give a fuck less about their car, right?

If it gets hurt, it's a car.

It's an outfit.

It's like somebody walking and stepping in a puddle

in shoes.

Are they going to cry about their shoes getting wet?

No, I, this is my baby.

I don't want my car to get wet, right?

I got to take my cars out on the wet.

I won't take them out during rush hour.

I won't drive them like in the dark.

I won't go here.

I won't go there.

I'm neurotic about it.

And everyone else is like, what's wrong with you?

And so, you're intermingling with the same people

who uber their cars and just don't care about any of it.

That's the scary part, especially when they're worthless.

That's why, to me, insurance,

I get all of the insurance deductible.

What's that?

Why?

Yeah, why?

I mean, I did have a deductible on this car,

which I totally forgot about.

And they're like, okay, so your check is X

and now the check you're going to get,

the wire transfer that you will have by the way

in an hour is X minus whatever my deductible was

and I was like, crap, insult to injury,

but my own fault.

Now, after all this, I hope I don't get dropped.

I should hope not after the endorsement you just offered.

I don't get special treatment.

Just a customer.

Yeah.

Anyway, JasonSetney.com,

I will do my best to set that up with a link

that goes just a redirect straight

over to Haggerty's Get a Quote page.

Don't yell at me if Haggerty says,

no, because you have 73 points on your license,

or 60 UIs, 15 accidents, or your parking car.

On the surface of the sun.

Right.

This is not, I have nothing to do with that.

Excuse me.

Bless you.

Thank you.

Sorry.

And I'm downwind.

That better not be if COVID laced whatever.

Can I get insurance?

A greed value insurance against getting COVID?

What is the greed value?

Well, three days of my life in bed.

I'm worthless.

Zero.

Perfect.

Even sure me for zero against getting sick.

Okay.

Thank you for all joining us.

Well, more importantly not judging me

for damaging the rover.

Well, in 30 years we look forward to hearing

about what your next chargeable incident was.

I hope it's 30 more years.

And I hope it's as small as this one.

You didn't even ask what I did to the crawl 30 years ago.

Did you?

Like, how badly that one was.

Which one the curb?

The oil and the curb, yeah.

I don't know.

Yeah.

The car wasn't driving away.

I punted the wheel back into the fender.

Like, pushed the front wheel back.

Maybe that's why your front subframe fell out.

No, no, no, no, no.

This is before that.

Yeah.

Exactly.

And that's why it subsequently fell out.

This was the reason why they think the was toyed

the dealership fixed the car.

The reason they think that eventually did happen was

they think they pulled the subframe out to do the repairs

and then never torque the bolts again.

So actually, yes, it was not a toy at a problem.

It was Jason smacked curb, 19, 18-year-old Jason, 19-year-old Jason.

Smacked curb.

And the dealer fixed it and then did fixed.

Well, they fixed the damage and then inserted

a massive screw up by not tightening the subframe.

By the way, I did the same thing.

So it was front left wheel.

I did the same thing to the shirako.

And I did the same thing to my Mark III golf.

So bad things happen in three.

And don't be a front left wheel.

I don't want to Jason's cars.

Well, tell Jason to slow the fuck down.

What about that?

Which I do.

And then this shit happens.

Hold on.

Let me explain one thing.

While I'm saying it's important to be a grown-up

and when you've done wrong, none of this shit would have happened

if I was just driving like my normal self.

If I was doing 70 miles an hour up that hill,

weaving through the stupid people.

How does the song go?

Can't drive 55?

I don't even think I was doing 55.

But yes, you're right.

Yeah, you're bad at it.

The moral of the story is don't ever try to act like a grown-up.

Just be you.

If you're genetically wired to be an idiot, just be an idiot.

Don't pretend.

Doesn't work.

Well, this week's words of wisdom from Jason

go forth and idiot in public.

And don't hit other cars.

More wisdom from Jason.

No.

Okay.

Thank you.

I'm going to go hug the rover.

I'm going to splinter.

Or tetanus.

I can do this without denting it.

It's in...

Hit the wall hard enough in your rear bumper

and you'll get a new one.

The bumpers are strong enough.

Plus I have fucking great insurance.

Lemo gameo.

And Doug.

Here we have the Lemo Emu.

In its natural habitat.

Helping people customize their car insurance

and save hundreds with Liberty Mutual.

Fascinating.

It's accompanied by his natural ally, Doug.

Uh, Lemu?

Is that guy with the binoculars watching us?

Cut the camera.

They see us.

Only pay for what you need at LibertyMutual.com.

Liberty Liberty Liberty Liberty Liberty Liberty Liberty Liberty.

Savings vary.

Under it by Lemo Emu.

Insurance Company and affiliates excludes Massachusetts.

The Importance of Great Insurance (Jason Crashed his Rover SD1) — The Carmudgeon Show Episode Ep. 197

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