January 2, 2025 • 7 mins
From happy moments to times of reflection, here are a few of the biggest moments from Elvis Duran and the Morning Show.
Andrew's car got rear-ended and it wasn't his fault. Do you know how car insurance works?
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Hoppy holidays.
Speaker 2 (00:03):
Here's one of our favorite moments of twenty twenty four.
Speaker 1 (00:06):
Wow, So Andrew is here? Hi Andrew?
Speaker 3 (00:08):
Oh, hi Elvis.
Speaker 1 (00:09):
So you were being a good friend and you took
a coast to boy Josh to get lazy done on
his eyes.
Speaker 3 (00:15):
Yep.
Speaker 1 (00:16):
And then on the way home, I hear you were
driving erratically. That's a lot, it's the only way he drives. 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 2 (00:32):
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 1 (00:43):
Now, when you get rear ended, isn't it usually the
other person's fault. It was that person's call.
Speaker 3 (00:48):
You cut him off like crazy, is not.
Speaker 2 (00:50):
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. It's not a race.
Speaker 3 (00:58):
Where am I going?
Speaker 1 (00:59):
It's I've starty on a Thursday. So what happened? Who
was this that rear ended my Andrew?
Speaker 2 (01:05):
It was, uh, this guy, Uh he works for a
locksmith company. It was this company car, and yeah, completely.
Speaker 1 (01:14):
Rear ended me. Of course, when Nate found out it
was a company car, Nate was like looking for cash.
Speaker 4 (01:19):
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 guy at
a locksmith company. But it was like, I don't know
big companies.
Speaker 1 (01:31):
Oh if it was Google Maps, I'd be like, oh no,
oh god, I can't find my penis. 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
I did anyone?
Speaker 2 (01:51):
We do. Thankfully no one was hurt. Everyone's okay, Yeah,
I was a male Karen.
Speaker 1 (01:58):
Though. The first thing I did after I got hit
it was immediately called. I was like what do I do?
And I looked at Josh. Josh's like I don't know, Josh.
It's like dying in the car so bad, and so.
Speaker 2 (02:09):
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.
Speaker 1 (02:20):
In my opinion, I don't know how it works. I've
never been in an accident, thankfully. Yeah, Gandhi, what do
you take out of this conversation? Did you cause a
traffic jam? Oh?
Speaker 3 (02:29):
Yes, oh half to the side of the road.
Speaker 2 (02:32):
We did. 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 information.
Speaker 1 (02:44):
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 Oh my god? How bad is
the damage to your car? It's not great. I'll tell
you she's not good. Did he want to go through
and answer? Did he want to just pay for it?
Speaker 2 (03:01):
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 the insurance.
Speaker 1 (03:10):
I don't know. How do you not understand insurance. That's
there's money, there's.
Speaker 5 (03:20):
Feel that way.
Speaker 1 (03:21):
What the hell is a premium? Say what that is?
Once you got 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):
Only I think for the other guy, it does.
Speaker 1 (03:38):
I think I got hit.
Speaker 4 (03:39):
I think, yeah, he came over into my lane and
hit my car. If you have to use your insurance
to pay for the damage, yours probably will go up.
Speaker 3 (03:49):
Yeah, but well, if he pays, then you're.
Speaker 1 (03:52):
Probably you got to try to get him to pay.
Oh well, I got insurance. I filed the claim. What
did did the police? Did the police show up?
Speaker 2 (04:00):
The police told me it's a Thursday at five point
thirty and you're on the FDR and your car is drivable.
I think we're good. Here, 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 your insurance. Did they show up though?
Speaker 1 (04:17):
You didn't know because they said that it would take
like an hour for them just to get there. So
I was like yes. They were like, don't worry just like,
do your thing.
Speaker 3 (04:26):
Just keep going. Make sure he or his insurance pays yours.
Speaker 1 (04:31):
File it through your insurance already.
Speaker 3 (04:33):
Yes, it hasn't been processed, right, you just filed the claim.
Speaker 1 (04:36):
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 in there. How much how much
damage did he have on his company car?
Speaker 2 (04:49):
Just his uh the light in the front of his
was broken. But my back, rear end thing, she's she's bad.
Speaker 1 (04:56):
Hold on, yeah, the rare end thing. Yeah, you know,
I'm a mechanic. That's so funny. I can't wait too.
You call the you call the body shop. My rare
end thaying is all that?
Speaker 2 (05:11):
Was it? The insurance 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 1 (05:25):
Your bumper, was it? I mean he was under the
influence and he's still you know after his surgery. See,
I know his cloud and he more than 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 (05:45):
I think you're probably hoping your insurance works with his
insurance to get Okay. Did they do that? Yeah?
Speaker 1 (05:51):
Okay, because I wouldn't want my insurance people to know anything.
Speaker 3 (05:54):
I'm like, is New York on no fault state? Or
is there is it a fault state? I was like, so, well,
the way it.
Speaker 2 (06:02):
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 (06:09):
That's how Yeah, that's that's well. Same here.
Speaker 1 (06:11):
Yeah, in New York State, we blame everything on other
people anyway. So it's a no false state.
Speaker 4 (06:15):
And they're lucky that him backing and smashing it to
you didn't cause you to smash into someone in front
of you.
Speaker 1 (06:21):
Say you'd be responsible for the car in front of you.
Speaker 2 (06:22):
No.
Speaker 3 (06:23):
No, Generally, if somebody rearins you, it's their fault the
whole reaction. It's the guy in the back that started
the whole thing. He's got to pay for it all. Really.
Speaker 1 (06:31):
Yeah, especially here in a no false state. We blame
everything on New Jersey.
Speaker 5 (06:36):
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 that caused a traffic jam.
Speaker 1 (06:48):
Did that happen to you?
Speaker 3 (06:48):
I know?
Speaker 1 (06:49):
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. No, it's
just me being like.
Speaker 5 (07:00):
I don't really know Mark to just wait for me, please,
thank you.
Speaker 1 (07:04):
I'll just maybe take pictures of your insurance. I guess
that's why they sit there and they go, oh, this
kid has no clue what he's doing.
Speaker 2 (07:10):
We got this.
Speaker 1 (07:11):
Yeah, he is a dented rear thing.
Hoppy holidays.
Speaker 2 (00:03):
Here's one of our favorite moments of twenty twenty four.
Speaker 1 (00:06):
Wow, So Andrew is here? Hi Andrew?
Speaker 3 (00:08):
Oh, hi Elvis.
Speaker 1 (00:09):
So you were being a good friend and you took
a coast to boy Josh to get lazy done on
his eyes.
Speaker 3 (00:15):
Yep.
Speaker 1 (00:16):
And then on the way home, I hear you were
driving erratically. That's a lot, it's the only way he drives. 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 2 (00:32):
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 1 (00:43):
Now, when you get rear ended, isn't it usually the
other person's fault. It was that person's call.
Speaker 3 (00:48):
You cut him off like crazy, is not.
Speaker 2 (00:50):
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. It's not a race.
Speaker 3 (00:58):
Where am I going?
Speaker 1 (00:59):
It's I've starty on a Thursday. So what happened? Who
was this that rear ended my Andrew?
Speaker 2 (01:05):
It was, uh, this guy, Uh he works for a
locksmith company. It was this company car, and yeah, completely.
Speaker 1 (01:14):
Rear ended me. Of course, when Nate found out it
was a company car, Nate was like looking for cash.
Speaker 4 (01:19):
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 guy at
a locksmith company. But it was like, I don't know
big companies.
Speaker 1 (01:31):
Oh if it was Google Maps, I'd be like, oh no,
oh god, I can't find my penis. 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
I did anyone?
Speaker 2 (01:51):
We do. Thankfully no one was hurt. Everyone's okay, Yeah,
I was a male Karen.
Speaker 1 (01:58):
Though. The first thing I did after I got hit
it was immediately called. I was like what do I do?
And I looked at Josh. Josh's like I don't know, Josh.
It's like dying in the car so bad, and so.
Speaker 2 (02:09):
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.
Speaker 1 (02:20):
In my opinion, I don't know how it works. I've
never been in an accident, thankfully. Yeah, Gandhi, what do
you take out of this conversation? Did you cause a
traffic jam? Oh?
Speaker 3 (02:29):
Yes, oh half to the side of the road.
Speaker 2 (02:32):
We did. 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 information.
Speaker 1 (02:44):
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 Oh my god? How bad is
the damage to your car? It's not great. I'll tell
you she's not good. Did he want to go through
and answer? Did he want to just pay for it?
Speaker 2 (03:01):
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 the insurance.
Speaker 1 (03:10):
I don't know. How do you not understand insurance. That's
there's money, there's.
Speaker 5 (03:20):
Feel that way.
Speaker 1 (03:21):
What the hell is a premium? Say what that is?
Once you got 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):
Only I think for the other guy, it does.
Speaker 1 (03:38):
I think I got hit.
Speaker 4 (03:39):
I think, yeah, he came over into my lane and
hit my car. If you have to use your insurance
to pay for the damage, yours probably will go up.
Speaker 3 (03:49):
Yeah, but well, if he pays, then you're.
Speaker 1 (03:52):
Probably you got to try to get him to pay.
Oh well, I got insurance. I filed the claim. What
did did the police? Did the police show up?
Speaker 2 (04:00):
The police told me it's a Thursday at five point
thirty and you're on the FDR and your car is drivable.
I think we're good. Here, 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 your insurance. Did they show up though?
Speaker 1 (04:17):
You didn't know because they said that it would take
like an hour for them just to get there. So
I was like yes. They were like, don't worry just like,
do your thing.
Speaker 3 (04:26):
Just keep going. Make sure he or his insurance pays yours.
Speaker 1 (04:31):
File it through your insurance already.
Speaker 3 (04:33):
Yes, it hasn't been processed, right, you just filed the claim.
Speaker 1 (04:36):
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 in there. How much how much
damage did he have on his company car?
Speaker 2 (04:49):
Just his uh the light in the front of his
was broken. But my back, rear end thing, she's she's bad.
Speaker 1 (04:56):
Hold on, yeah, the rare end thing. Yeah, you know,
I'm a mechanic. That's so funny. I can't wait too.
You call the you call the body shop. My rare
end thaying is all that?
Speaker 2 (05:11):
Was it? The insurance 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 1 (05:25):
Your bumper, was it? I mean he was under the
influence and he's still you know after his surgery. See,
I know his cloud and he more than 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 (05:45):
I think you're probably hoping your insurance works with his
insurance to get Okay. Did they do that? Yeah?
Speaker 1 (05:51):
Okay, because I wouldn't want my insurance people to know anything.
Speaker 3 (05:54):
I'm like, is New York on no fault state? Or
is there is it a fault state? I was like, so, well,
the way it.
Speaker 2 (06:02):
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 (06:09):
That's how Yeah, that's that's well. Same here.
Speaker 1 (06:11):
Yeah, in New York State, we blame everything on other
people anyway. So it's a no false state.
Speaker 4 (06:15):
And they're lucky that him backing and smashing it to
you didn't cause you to smash into someone in front
of you.
Speaker 1 (06:21):
Say you'd be responsible for the car in front of you.
Speaker 2 (06:22):
No.
Speaker 3 (06:23):
No, Generally, if somebody rearins you, it's their fault the
whole reaction. It's the guy in the back that started
the whole thing. He's got to pay for it all. Really.
Speaker 1 (06:31):
Yeah, especially here in a no false state. We blame
everything on New Jersey.
Speaker 5 (06:36):
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 that caused a traffic jam.
Speaker 1 (06:48):
Did that happen to you?
Speaker 3 (06:48):
I know?
Speaker 1 (06:49):
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. No, it's
just me being like.
Speaker 5 (07:00):
I don't really know Mark to just wait for me, please,
thank you.
Speaker 1 (07:04):
I'll just maybe take pictures of your insurance. I guess
that's why they sit there and they go, oh, this
kid has no clue what he's doing.
Speaker 2 (07:10):
We got this.
Speaker 1 (07:11):
Yeah, he is a dented rear thing.
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