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 1 (00:07):
Oh, hi Elvis.
Speaker 2 (00:08):
So you were being a good friend and you took
a coast to boy Josh to get lazy done on
his eyes.
Speaker 3 (00:14):
Yep.
Speaker 2 (00:15):
And then on the way home, I hear you were
driving erratically.
Speaker 1 (00:19):
That's a lot, 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?
Speaker 1 (00:27):
Those words were uttered yes?
Speaker 2 (00:28):
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.
Speaker 1 (00:42):
Get rear ended, isn't it usually the other person's fault.
Is it was that person's call to cut him off
like crazy? Not? 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 (00:57):
Where am I going.
Speaker 1 (00:58):
It's five 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 this company car, and 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 3 (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 for some guy at
a locksmith company. But it was like, I don't know
big companies.
Speaker 1 (01:30):
Oh, if it was Google Maps, I'd be like, oh no,
oh my god, I can't find my penis.
Speaker 2 (01:44):
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? 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 called and I was like
what do I do? And I looked at Josh. Josh's
like I don't know, Oh, Josh, it's like dying in
the car so bad. And so 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
(02:13):
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 of this conversation?
Speaker 4 (02:26):
Did you cause a traffic jam?
Speaker 2 (02:28):
Oh?
Speaker 1 (02:28):
Yes, oh to the side of the road. 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 your information.
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 1 (02:50):
Oh my god?
Speaker 2 (02:52):
How bad is the damage to your car?
Speaker 1 (02:54):
It's not great. I'll tell you she's not good. Did
he want to go through insurance or did he want
to just pay for 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. I don't know. How do you
not understand insurance? That's there's money. There's feel that way.
(03:20):
The hell is a premium.
Speaker 2 (03:23):
That 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 (03:33):
Only I think for the other guy, it does.
Speaker 1 (03:36):
I think I got hit. 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. Yeah, but well, if he pays,
then your probably you got to try to get him
to pay. Oh well, I got assurance. 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 drivable.
I think we're good. Here, 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.
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. So
I was like yes. 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 file it through your insurance already. Yes, it hasn't
been processed, right, you just filed the claim.
Speaker 1 (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 in there.
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.
Speaker 2 (04:57):
Yeah, the rare end thing.
Speaker 1 (04:58):
Yeah, you know, I'm a mechanic.
Speaker 2 (05:03):
That's so funny. I can't wait too. You call the
you call the body shop a my rare end things.
Speaker 1 (05:07):
All that.
Speaker 3 (05:09):
Was it?
Speaker 1 (05:10):
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 2 (05:24):
Your bumper?
Speaker 1 (05:24):
Was it? I mean he was under the influence and
he's still you know, after his surgery. See his cloud.
Speaker 2 (05:31):
And here 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, But did they do that? 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? The state? So well,
the way it works.
Speaker 1 (06:01):
In Florida is you your insurance takes care of your car,
and then your insurance goes after his insurance.
Speaker 3 (06:07):
Company and get the money back. 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, So it's a no false.
Speaker 3 (06:14):
Take and they're lucky that him backing and smashing it
to you didn't cause you to smash into someone in
front of you, Say you'd be responsible for the car
in front of you.
Speaker 2 (06:21):
No.
Speaker 3 (06:22):
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.
Speaker 2 (06:30):
Really, Yeah, especially here in a no false state, we
blame everything on New Jersey.
Speaker 4 (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 that has a traffic jam.
Speaker 2 (06:46):
Did that happen to you? I know? 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 know,
don't work to just wait for me, please, thank you.
I'll just maybe take pictures of your insurance against That's
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 1 (00:07):
Oh, hi Elvis.
Speaker 2 (00:08):
So you were being a good friend and you took
a coast to boy Josh to get lazy done on
his eyes.
Speaker 3 (00:14):
Yep.
Speaker 2 (00:15):
And then on the way home, I hear you were
driving erratically.
Speaker 1 (00:19):
That's a lot, 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?
Speaker 1 (00:27):
Those words were uttered yes?
Speaker 2 (00:28):
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.
Speaker 1 (00:42):
Get rear ended, isn't it usually the other person's fault.
Is it was that person's call to cut him off
like crazy? Not? 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 (00:57):
Where am I going.
Speaker 1 (00:58):
It's five 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 this company car, and 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 3 (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 for some guy at
a locksmith company. But it was like, I don't know
big companies.
Speaker 1 (01:30):
Oh, if it was Google Maps, I'd be like, oh no,
oh my god, I can't find my penis.
Speaker 2 (01:44):
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? 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 called and I was like
what do I do? And I looked at Josh. Josh's
like I don't know, Oh, Josh, it's like dying in
the car so bad. And so 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
(02:13):
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 of this conversation?
Speaker 4 (02:26):
Did you cause a traffic jam?
Speaker 2 (02:28):
Oh?
Speaker 1 (02:28):
Yes, oh to the side of the road. 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 your information.
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 1 (02:50):
Oh my god?
Speaker 2 (02:52):
How bad is the damage to your car?
Speaker 1 (02:54):
It's not great. I'll tell you she's not good. Did
he want to go through insurance or did he want
to just pay for 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. I don't know. How do you
not understand insurance? That's there's money. There's feel that way.
(03:20):
The hell is a premium.
Speaker 2 (03:23):
That 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 (03:33):
Only I think for the other guy, it does.
Speaker 1 (03:36):
I think I got hit. 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. Yeah, but well, if he pays,
then your probably you got to try to get him
to pay. Oh well, I got assurance. 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 drivable.
I think we're good. Here, 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.
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. So
I was like yes. 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 file it through your insurance already. Yes, it hasn't
been processed, right, you just filed the claim.
Speaker 1 (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 in there.
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.
Speaker 2 (04:57):
Yeah, the rare end thing.
Speaker 1 (04:58):
Yeah, you know, I'm a mechanic.
Speaker 2 (05:03):
That's so funny. I can't wait too. You call the
you call the body shop a my rare end things.
Speaker 1 (05:07):
All that.
Speaker 3 (05:09):
Was it?
Speaker 1 (05:10):
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 2 (05:24):
Your bumper?
Speaker 1 (05:24):
Was it? I mean he was under the influence and
he's still you know, after his surgery. See his cloud.
Speaker 2 (05:31):
And here 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, But did they do that? 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? The state? So well,
the way it works.
Speaker 1 (06:01):
In Florida is you your insurance takes care of your car,
and then your insurance goes after his insurance.
Speaker 3 (06:07):
Company and get the money back. 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, So it's a no false.
Speaker 3 (06:14):
Take and they're lucky that him backing and smashing it
to you didn't cause you to smash into someone in
front of you, Say you'd be responsible for the car
in front of you.
Speaker 2 (06:21):
No.
Speaker 3 (06:22):
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.
Speaker 2 (06:30):
Really, Yeah, especially here in a no false state, we
blame everything on New Jersey.
Speaker 4 (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 that has a traffic jam.
Speaker 2 (06:46):
Did that happen to you? I know? 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 know,
don't work to just wait for me, please, thank you.
I'll just maybe take pictures of your insurance against That's
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.
Popular Podcasts
On Purpose with Jay Shetty
I’m Jay Shetty host of On Purpose the worlds #1 Mental Health podcast and I’m so grateful you found us. I started this podcast 5 years ago to invite you into conversations and workshops that are designed to help make you happier, healthier and more healed. I believe that when you (yes you) feel seen, heard and understood you’re able to deal with relationship struggles, work challenges and life’s ups and downs with more ease and grace. I interview experts, celebrities, thought leaders and athletes so that we can grow our mindset, build better habits and uncover a side of them we’ve never seen before. New episodes every Monday and Friday. Your support means the world to me and I don’t take it for granted — click the follow button and leave a review to help us spread the love with On Purpose. I can’t wait for you to listen to your first or 500th episode!
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.
Ridiculous History
History is beautiful, brutal and, often, ridiculous. Join Ben Bowlin and Noel Brown as they dive into some of the weirdest stories from across the span of human civilization in Ridiculous History, a podcast by iHeartRadio.