All Episodes

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.
Advertise With Us

Popular Podcasts

Stuff You Should Know
Dateline NBC

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

The Burden

The Burden

The Burden is a documentary series that takes listeners into the hidden places where justice is done (and undone). It dives deep into the lives of heroes and villains. And it focuses a spotlight on those who triumph even when the odds are against them. Season 5 - The Burden: Death & Deceit in Alliance On April Fools Day 1999, 26-year-old Yvonne Layne was found murdered in her Alliance, Ohio home. David Thorne, her ex-boyfriend and father of one of her children, was instantly a suspect. Another young man admitted to the murder, and David breathed a sigh of relief, until the confessed murderer fingered David; “He paid me to do it.” David was sentenced to life without parole. Two decades later, Pulitzer winner and podcast host, Maggie Freleng (Bone Valley Season 3: Graves County, Wrongful Conviction, Suave) launched a “live” investigation into David's conviction alongside Jason Baldwin (himself wrongfully convicted as a member of the West Memphis Three). Maggie had come to believe that the entire investigation of David was botched by the tiny local police department, or worse, covered up the real killer. Was Maggie correct? Was David’s claim of innocence credible? In Death and Deceit in Alliance, Maggie recounts the case that launched her career, and ultimately, “broke” her.” The results will shock the listener and reduce Maggie to tears and self-doubt. This is not your typical wrongful conviction story. In fact, it turns the genre on its head. It asks the question: What if our champions are foolish? Season 4 - The Burden: Get the Money and Run “Trying to murder my father, this was the thing that put me on the path.” That’s Joe Loya and that path was bank robbery. Bank, bank, bank, bank, bank. In season 4 of The Burden: Get the Money and Run, we hear from Joe who was once the most prolific bank robber in Southern California, and beyond. He used disguises, body doubles, proxies. He leaped over counters, grabbed the money and ran. Even as the FBI was closing in. It was a showdown between a daring bank robber, and a patient FBI agent. Joe was no ordinary bank robber. He was bright, articulate, charismatic, and driven by a dark rage that he summoned up at will. In seven episodes, Joe tells all: the what, the how… and the why. Including why he tried to murder his father. Season 3 - The Burden: Avenger Miriam Lewin is one of Argentina’s leading journalists today. At 19 years old, she was kidnapped off the streets of Buenos Aires for her political activism and thrown into a concentration camp. Thousands of her fellow inmates were executed, tossed alive from a cargo plane into the ocean. Miriam, along with a handful of others, will survive the camp. Then as a journalist, she will wage a decades long campaign to bring her tormentors to justice. Avenger is about one woman’s triumphant battle against unbelievable odds to survive torture, claim justice for the crimes done against her and others like her, and change the future of her country. Season 2 - The Burden: Empire on Blood Empire on Blood is set in the Bronx, NY, in the early 90s, when two young drug dealers ruled an intersection known as “The Corner on Blood.” The boss, Calvin Buari, lived large. He and a protege swore they would build an empire on blood. Then the relationship frayed and the protege accused Calvin of a double homicide which he claimed he didn’t do. But did he? Award-winning journalist Steve Fishman spent seven years to answer that question. This is the story of one man’s last chance to overturn his life sentence. He may prevail, but someone’s gotta pay. The Burden: Empire on Blood is the director’s cut of the true crime classic which reached #1 on the charts when it was first released half a dozen years ago. Season 1 - The Burden In the 1990s, Detective Louis N. Scarcella was legendary. In a city overrun by violent crime, he cracked the toughest cases and put away the worst criminals. “The Hulk” was his nickname. Then the story changed. Scarcella ran into a group of convicted murderers who all say they are innocent. They turned themselves into jailhouse-lawyers and in prison founded a lway firm. When they realized Scarcella helped put many of them away, they set their sights on taking him down. And with the help of a NY Times reporter they have a chance. For years, Scarcella insisted he did nothing wrong. But that’s all he’d say. Until we tracked Scarcella to a sauna in a Russian bathhouse, where he started to talk..and talk and talk. “The guilty have gone free,” he whispered. And then agreed to take us into the belly of the beast. Welcome to The Burden.

Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2026 iHeartMedia, Inc.