November 8, 2024 • 7 mins
Andrew's car got rear-ended and it wasn't his fault. Do you know how car insurance works?
See omnystudio.com/listener for privacy information.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Today's Daily Highlight from Elvis Duran in the Morning show.
Speaker 2 (00:05):
Wow, So Andrew is here? Hi Andrew?
Speaker 3 (00:07):
Oh, hi Elvis. So you were being a good.
Speaker 2 (00:09):
Friend and you took a coast to boy Josh to
get lazy done on his eyes.
Speaker 3 (00:14):
Yep.
Speaker 2 (00:15):
And then on the way home, I hear you were
driving erratically.
Speaker 3 (00:20):
That's a lie.
Speaker 4 (00:20):
It's the only way he drives.
Speaker 2 (00:22):
Well, no, Josh says you better slow down. Yeah, or
we're going to get into a wreck. Did he not
say that to you? Those words were uttered yes? And
then and then tell everyone what happened.
Speaker 1 (00:31):
Then I'm getting off Exit two on the FDR in
New York. And then the next thing I know, I'm driving.
We're on the exit. And then just Bubbo and I
got rear ended.
Speaker 3 (00:42):
Now when you get.
Speaker 4 (00:43):
Rear ended, isn't it usually the other person's fold?
Speaker 3 (00:45):
It is?
Speaker 5 (00:46):
It was that person's call.
Speaker 3 (00:47):
You cut him off.
Speaker 1 (00:48):
Like I was in the right lane the whole time.
I was being a cautious driver in the right lane.
Once I got scolded, I said, you know what, take
it a little slow.
Speaker 5 (00:56):
It's not a race.
Speaker 3 (00:57):
Where am I going. It's five point on a Thursday.
Speaker 2 (01:01):
So what happened? Who was this that rear ended my Andrew?
Speaker 1 (01:04):
It was uh, this guy, uh he works for a
locksmith company. It was his company car, and h yeah,
completely rear ended me.
Speaker 2 (01:14):
Of course, when Nate found out it was a company car,
Nate was like looking for cash.
Speaker 1 (01:18):
Yeah, well, you get rear ended, you get whiplash ninety
percent of the time, wink wink, and you know, well,
you know I wouldn't do it to some.
Speaker 3 (01:27):
Guy at a locksmith company. But it was like, I
don't know a big companies.
Speaker 1 (01:30):
Oh if it was Google Maps, I'd be like, oh no.
Speaker 2 (01:38):
Yeah, oh my god, I can't find my paenis all right?
So you got rear ended. Did anyone get hurt? That's
the first question we do ask, even though we don't
care anyone, we do.
Speaker 1 (01:51):
Thankfully no one was hurt. Everyone's okay. Yeah, I was
a male Karen though. The first thing I did after
I got hit was immediately call and I was like
what do I do? And I looked at Josh. Josh's
like I don't know.
Speaker 5 (02:04):
Josh was like dying in the car so bad, and so.
Speaker 1 (02:07):
Then I immediately just called nine one one and the
guy was like, do you want my information? I'm like oh,
I have I called nine one one, so I think
we're good. Yeah, oh yeah, you really didn't need to
call nine one one. In my opinion, I don't know
how it works. I've never been in an accident. Thankful, Yeah, Gandhi,
what do you take out.
Speaker 2 (02:26):
Of this conversation?
Speaker 4 (02:26):
Did you cause a traffic jam?
Speaker 3 (02:28):
Oh?
Speaker 5 (02:28):
Yes, oh to the side of the we did.
Speaker 1 (02:31):
I was already in I'm telling you, I was in
the exit lane for it. So we were already pulled
off to the side. I made him pull off to
the side and then put on our hazards and that's
what we did to exchange your permission.
Speaker 2 (02:43):
But even if you're off to the side, people stop
and slow down. So if you're on the FDR yesterday
around what time was.
Speaker 3 (02:50):
Oh my god?
Speaker 2 (02:52):
How bad is the damage to your car?
Speaker 5 (02:54):
It's not great. I'll tell you she's not good.
Speaker 4 (02:57):
Did he want to go through insurance or did he
want to just.
Speaker 1 (03:00):
I don't know how this works. I am thirty three
and don't understand insurance. So I just thought you called
the cop. Maybe they come, then it goes through insurance.
Speaker 3 (03:09):
I don't know.
Speaker 2 (03:09):
How do you not understand insurance?
Speaker 1 (03:11):
That's there's money there's not gonna don't get feel that way.
Speaker 5 (03:19):
When the hell's a premium, he'll see what that is.
Speaker 4 (03:24):
Once you you got.
Speaker 2 (03:25):
His information, he got your information. Go from there. But yeah,
even if it wasn't your fault, there's a good chance
your insurance goes up, does it not?
Speaker 3 (03:34):
I think for the other guy it does. I think
I got hit.
Speaker 5 (03:38):
I think, yeah, he came over into my lane and
hit my car.
Speaker 3 (03:43):
If you have to use your insurance to pay for
the damage, yours probably will go up. Yeah, but well,
if he pays, then you're.
Speaker 4 (03:51):
Probably you got to try to get him to pay.
Speaker 5 (03:54):
Oh well, I got insurance.
Speaker 3 (03:55):
I filed the claim.
Speaker 2 (03:56):
What did the police? Did the police show up?
Speaker 1 (03:58):
The police told me it's a Thursday at five point
thirty and you're on the FDR and your car is driveable.
Speaker 5 (04:06):
I think we're good.
Speaker 2 (04:06):
Here.
Speaker 1 (04:08):
You file a claim through the d m V go
do that. They gave me all the information for it.
They're like, please file a claim, but otherwise whatever your insurance.
Speaker 2 (04:15):
Did they show up though?
Speaker 1 (04:16):
You didn't know because they said that it would take
like an hour for them just to get there.
Speaker 3 (04:20):
So I was like yes.
Speaker 1 (04:22):
They were like, don't worry, just like, do your thing.
Speaker 3 (04:25):
Just keep going, make sure he or his insurance pays yours.
Speaker 4 (04:30):
File it through your insurance already.
Speaker 3 (04:32):
Yes, it hasn't been processed, right, you just filed the claim.
Speaker 5 (04:35):
You're asking so many questions. Did you take plenty of
pictures and videos? Of course I was like TMZ, like
oh yeah, let's get.
Speaker 2 (04:44):
How much how much damage did he have on his
company car?
Speaker 1 (04:48):
Just his uh the light in the front of his
was broken. But my back rear end thing, she's she's
bad lot.
Speaker 2 (04:57):
Yeah, the rare end thing.
Speaker 5 (04:58):
Yeah, you know, I'm.
Speaker 2 (05:01):
Not a mechanic. That's so funny.
Speaker 3 (05:04):
I can't wait too.
Speaker 2 (05:05):
You call the you call the body shop. Am my
rare end things all bent to?
Speaker 1 (05:09):
Was it?
Speaker 3 (05:10):
The insurance?
Speaker 1 (05:10):
When they were When I was filing the claim, They're like,
what did you get hit? I was like in the
like the like the back there's a there's a there's
a light. It's like a light thing, and I just
you hear, Josh go the rear driver side, the rear
driver's side got hit?
Speaker 2 (05:24):
Your bumper? Was it?
Speaker 4 (05:24):
I mean he was under the influence and he's still
you know after his surgery.
Speaker 2 (05:29):
See I know his cloud and let me get this
trait though, if if the locksmith company car is responsible
by the driver, why would you put a claim in
on your insurance? You should put the claim in on
his insurance.
Speaker 3 (05:44):
I think you're probably hoping your insurance works with his
insurance to get okay.
Speaker 2 (05:48):
But do they do that?
Speaker 3 (05:49):
Yeah?
Speaker 2 (05:50):
Okay, because I wouldn't want my insurance people to know anything.
Speaker 3 (05:53):
I'm like, is New York on no fault state or
is there is it a fault state on the state?
So well, the way it.
Speaker 6 (06:01):
Works in Florida is you your insurance takes care of
your car, and then your insurance goes after his insurance
company and get the money back.
Speaker 3 (06:08):
That's how Yeah, that's that's well. Same here.
Speaker 2 (06:10):
Yeah, in New York State, we blame everything on other
people anyway.
Speaker 3 (06:13):
So it's a no.
Speaker 2 (06:13):
False take and they're lucky that him backing smashing it
to you didn't cause you to smash into someone in
front of you.
Speaker 3 (06:20):
Say you get responsible for the car in front of you. No.
Speaker 6 (06:22):
No, Generally, if somebody rearins you, it's their fault the
whole reaction.
Speaker 3 (06:26):
It's the guy in the back that started the whole thing.
He's got to pay for it all.
Speaker 2 (06:30):
Really, Yeah, especially here in a no false state. We
blame everything on New Jersey.
Speaker 7 (06:35):
Oh yeah, this kind of stuff is people will be
so angry and then oh, I hope nobody's dead, And
as soon as they realize that nobody's dead, they immediately
start cursing out the person they cause a traffic jam.
Speaker 3 (06:46):
Did that happen to you? I know?
Speaker 2 (06:48):
But you know what they say. If they're gandhi, if
you're like behind them and stopped in traffic, you're thinking
to yourself, they're better be blood on it.
Speaker 1 (06:57):
No, it's just me being like I don't really known
work to.
Speaker 2 (07:01):
Just wait for me.
Speaker 3 (07:01):
Please, thank you, I'll just man me take pictures of
your insurance against That's.
Speaker 4 (07:06):
Why they sit there and they go, oh, this kid
has no clue what he's doing.
Speaker 2 (07:09):
We got this, Yeah, he is a dented rear thing.
Today's Daily Highlight from Elvis Duran in the Morning show.
Speaker 2 (00:05):
Wow, So Andrew is here? Hi Andrew?
Speaker 3 (00:07):
Oh, hi Elvis. So you were being a good.
Speaker 2 (00:09):
Friend and you took a coast to boy Josh to
get lazy done on his eyes.
Speaker 3 (00:14):
Yep.
Speaker 2 (00:15):
And then on the way home, I hear you were
driving erratically.
Speaker 3 (00:20):
That's a lie.
Speaker 4 (00:20):
It's the only way he drives.
Speaker 2 (00:22):
Well, no, Josh says you better slow down. Yeah, or
we're going to get into a wreck. Did he not
say that to you? Those words were uttered yes? And
then and then tell everyone what happened.
Speaker 1 (00:31):
Then I'm getting off Exit two on the FDR in
New York. And then the next thing I know, I'm driving.
We're on the exit. And then just Bubbo and I
got rear ended.
Speaker 3 (00:42):
Now when you get.
Speaker 4 (00:43):
Rear ended, isn't it usually the other person's fold?
Speaker 3 (00:45):
It is?
Speaker 5 (00:46):
It was that person's call.
Speaker 3 (00:47):
You cut him off.
Speaker 1 (00:48):
Like I was in the right lane the whole time.
I was being a cautious driver in the right lane.
Once I got scolded, I said, you know what, take
it a little slow.
Speaker 5 (00:56):
It's not a race.
Speaker 3 (00:57):
Where am I going. It's five point on a Thursday.
Speaker 2 (01:01):
So what happened? Who was this that rear ended my Andrew?
Speaker 1 (01:04):
It was uh, this guy, uh he works for a
locksmith company. It was his company car, and h yeah,
completely rear ended me.
Speaker 2 (01:14):
Of course, when Nate found out it was a company car,
Nate was like looking for cash.
Speaker 1 (01:18):
Yeah, well, you get rear ended, you get whiplash ninety
percent of the time, wink wink, and you know, well,
you know I wouldn't do it to some.
Speaker 3 (01:27):
Guy at a locksmith company. But it was like, I
don't know a big companies.
Speaker 1 (01:30):
Oh if it was Google Maps, I'd be like, oh no.
Speaker 2 (01:38):
Yeah, oh my god, I can't find my paenis all right?
So you got rear ended. Did anyone get hurt? That's
the first question we do ask, even though we don't
care anyone, we do.
Speaker 1 (01:51):
Thankfully no one was hurt. Everyone's okay. Yeah, I was
a male Karen though. The first thing I did after
I got hit was immediately call and I was like
what do I do? And I looked at Josh. Josh's
like I don't know.
Speaker 5 (02:04):
Josh was like dying in the car so bad, and so.
Speaker 1 (02:07):
Then I immediately just called nine one one and the
guy was like, do you want my information? I'm like oh,
I have I called nine one one, so I think
we're good. Yeah, oh yeah, you really didn't need to
call nine one one. In my opinion, I don't know
how it works. I've never been in an accident. Thankful, Yeah, Gandhi,
what do you take out.
Speaker 2 (02:26):
Of this conversation?
Speaker 4 (02:26):
Did you cause a traffic jam?
Speaker 3 (02:28):
Oh?
Speaker 5 (02:28):
Yes, oh to the side of the we did.
Speaker 1 (02:31):
I was already in I'm telling you, I was in
the exit lane for it. So we were already pulled
off to the side. I made him pull off to
the side and then put on our hazards and that's
what we did to exchange your permission.
Speaker 2 (02:43):
But even if you're off to the side, people stop
and slow down. So if you're on the FDR yesterday
around what time was.
Speaker 3 (02:50):
Oh my god?
Speaker 2 (02:52):
How bad is the damage to your car?
Speaker 5 (02:54):
It's not great. I'll tell you she's not good.
Speaker 4 (02:57):
Did he want to go through insurance or did he
want to just.
Speaker 1 (03:00):
I don't know how this works. I am thirty three
and don't understand insurance. So I just thought you called
the cop. Maybe they come, then it goes through insurance.
Speaker 3 (03:09):
I don't know.
Speaker 2 (03:09):
How do you not understand insurance?
Speaker 1 (03:11):
That's there's money there's not gonna don't get feel that way.
Speaker 5 (03:19):
When the hell's a premium, he'll see what that is.
Speaker 4 (03:24):
Once you you got.
Speaker 2 (03:25):
His information, he got your information. Go from there. But yeah,
even if it wasn't your fault, there's a good chance
your insurance goes up, does it not?
Speaker 3 (03:34):
I think for the other guy it does. I think
I got hit.
Speaker 5 (03:38):
I think, yeah, he came over into my lane and
hit my car.
Speaker 3 (03:43):
If you have to use your insurance to pay for
the damage, yours probably will go up. Yeah, but well,
if he pays, then you're.
Speaker 4 (03:51):
Probably you got to try to get him to pay.
Speaker 5 (03:54):
Oh well, I got insurance.
Speaker 3 (03:55):
I filed the claim.
Speaker 2 (03:56):
What did the police? Did the police show up?
Speaker 1 (03:58):
The police told me it's a Thursday at five point
thirty and you're on the FDR and your car is driveable.
Speaker 5 (04:06):
I think we're good.
Speaker 2 (04:06):
Here.
Speaker 1 (04:08):
You file a claim through the d m V go
do that. They gave me all the information for it.
They're like, please file a claim, but otherwise whatever your insurance.
Speaker 2 (04:15):
Did they show up though?
Speaker 1 (04:16):
You didn't know because they said that it would take
like an hour for them just to get there.
Speaker 3 (04:20):
So I was like yes.
Speaker 1 (04:22):
They were like, don't worry, just like, do your thing.
Speaker 3 (04:25):
Just keep going, make sure he or his insurance pays yours.
Speaker 4 (04:30):
File it through your insurance already.
Speaker 3 (04:32):
Yes, it hasn't been processed, right, you just filed the claim.
Speaker 5 (04:35):
You're asking so many questions. Did you take plenty of
pictures and videos? Of course I was like TMZ, like
oh yeah, let's get.
Speaker 2 (04:44):
How much how much damage did he have on his
company car?
Speaker 1 (04:48):
Just his uh the light in the front of his
was broken. But my back rear end thing, she's she's
bad lot.
Speaker 2 (04:57):
Yeah, the rare end thing.
Speaker 5 (04:58):
Yeah, you know, I'm.
Speaker 2 (05:01):
Not a mechanic. That's so funny.
Speaker 3 (05:04):
I can't wait too.
Speaker 2 (05:05):
You call the you call the body shop. Am my
rare end things all bent to?
Speaker 1 (05:09):
Was it?
Speaker 3 (05:10):
The insurance?
Speaker 1 (05:10):
When they were When I was filing the claim, They're like,
what did you get hit? I was like in the
like the like the back there's a there's a there's
a light. It's like a light thing, and I just
you hear, Josh go the rear driver side, the rear
driver's side got hit?
Speaker 2 (05:24):
Your bumper? Was it?
Speaker 4 (05:24):
I mean he was under the influence and he's still
you know after his surgery.
Speaker 2 (05:29):
See I know his cloud and let me get this
trait though, if if the locksmith company car is responsible
by the driver, why would you put a claim in
on your insurance? You should put the claim in on
his insurance.
Speaker 3 (05:44):
I think you're probably hoping your insurance works with his
insurance to get okay.
Speaker 2 (05:48):
But do they do that?
Speaker 3 (05:49):
Yeah?
Speaker 2 (05:50):
Okay, because I wouldn't want my insurance people to know anything.
Speaker 3 (05:53):
I'm like, is New York on no fault state or
is there is it a fault state on the state?
So well, the way it.
Speaker 6 (06:01):
Works in Florida is you your insurance takes care of
your car, and then your insurance goes after his insurance
company and get the money back.
Speaker 3 (06:08):
That's how Yeah, that's that's well. Same here.
Speaker 2 (06:10):
Yeah, in New York State, we blame everything on other
people anyway.
Speaker 3 (06:13):
So it's a no.
Speaker 2 (06:13):
False take and they're lucky that him backing smashing it
to you didn't cause you to smash into someone in
front of you.
Speaker 3 (06:20):
Say you get responsible for the car in front of you. No.
Speaker 6 (06:22):
No, Generally, if somebody rearins you, it's their fault the
whole reaction.
Speaker 3 (06:26):
It's the guy in the back that started the whole thing.
He's got to pay for it all.
Speaker 2 (06:30):
Really, Yeah, especially here in a no false state. We
blame everything on New Jersey.
Speaker 7 (06:35):
Oh yeah, this kind of stuff is people will be
so angry and then oh, I hope nobody's dead, And
as soon as they realize that nobody's dead, they immediately
start cursing out the person they cause a traffic jam.
Speaker 3 (06:46):
Did that happen to you? I know?
Speaker 2 (06:48):
But you know what they say. If they're gandhi, if
you're like behind them and stopped in traffic, you're thinking
to yourself, they're better be blood on it.
Speaker 1 (06:57):
No, it's just me being like I don't really known
work to.
Speaker 2 (07:01):
Just wait for me.
Speaker 3 (07:01):
Please, thank you, I'll just man me take pictures of
your insurance against That's.
Speaker 4 (07:06):
Why they sit there and they go, oh, this kid
has no clue what he's doing.
Speaker 2 (07:09):
We got this, Yeah, he is a dented rear thing.
Elvis Duran and the Morning Show ON DEMAND News
Popular Podcasts
Stuff You Should Know
If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com
Las Culturistas with Matt Rogers and Bowen Yang
Ding dong! Join your culture consultants, Matt Rogers and Bowen Yang, on an unforgettable journey into the beating heart of CULTURE. Alongside sizzling special guests, they GET INTO the hottest pop-culture moments of the day and the formative cultural experiences that turned them into Culturistas. Produced by the Big Money Players Network and iHeartRadio.