Crash Course, Without the Crash

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A calm voice helps more than a flashing hazard light when metal meets chaos. We break down the moments after a crash into simple steps you can follow under stress—how to move your car safely, what to photograph, which details to collect, and the fast decisions that protect your health, time, and wallet. Then we zoom out to the bigger traps: confusing no‑fault advice, incorrect police report data, surprise storage fees, and insurer steering that sidelines your right to choose a trusted repair shop.

From the bay floor, we share what “minor” damage really hides—bent rails behind perfect bumpers, hood gaps that become hazards, and the ADAS calibrations that make a safe car safe again. We talk costs with receipts: $1,500 headlights, $3,000 taillights, mirrors loaded with cameras, and why a simple rental can blow past your policy’s 30‑day cap. You’ll hear how AI photo estimates and rotating virtual teams fall short when they can’t see behind plastic, and why OEM procedures and post‑repair scans aren’t extra—they’re essential. Most important, we outline the coverage that actually helps when you need it: full coverage, uninsured/underinsured motorist, higher liability limits, and gap insurance in a market where total losses are climbing and parts are backordered.

If you’ve ever wondered whether to file with your insurer or theirs, when to call 911, where to get checked within Florida’s 14‑day window, or how to avoid being funneled into a shop you didn’t choose, this guide is your roadmap. We stay candid, we stay practical, and we stay on your side—so you can focus on what matters: getting everyone home safe. If this helped, follow the show, share it with a friend who drives, and leave a quick review to help others find it.

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Episode Transcript

SPEAKER_02 (00:13):
I'm doing the production.
I'm doing the lighting.
I'm a one-man show.

SPEAKER_00 (00:19):
You did a great job.
Very proud of you.

SPEAKER_02 (00:22):
Okay.
Hi.

SPEAKER_00 (00:23):
Hello.

SPEAKER_02 (00:24):
How are ya?
I'm good.
This is like the first timewe've talked all day today,
honestly.

SPEAKER_01 (00:29):
Yeah, so that's kind of how our days go, right?
Which is why it's so nice tohave this.
We literally get to curl up onthis couch and visit with each
other.

SPEAKER_02 (00:37):
Yes.
I'm excited because if you cansee it front and center, we
don't know what we're stickingwith because again, we're so new
to this that we're just testingall our prototypes, but those
look nice.
Yeah.

SPEAKER_01 (00:51):
You did good.
I think they're great.
I'm super excited about them.
And you know, I just I want thisto be a movement.
I really do.
I want it to be about inspiringeach other and and really just
be excited about what we havegoing on.
So we've got to be able to dothat.
I just want it to be fun.
Yeah.
And that's what life should beat this point.
So we've created this amazingmerchandise and we're gonna have

(01:11):
some giveaways, which will beexciting.
So keep following for that.
And uh, if there's certainproducts that you want that you
want to see our logo on, thenlet us know because we're
willing to look into them.
Maybe like a tote bag or I don'tknow.
Yeah, so whatever you want.
I just ordered some leatherkoozies.

SPEAKER_02 (01:29):
I know.
I don't think I've ever seenthose.
I have seen leather coasters,but never coasters.

SPEAKER_01 (01:34):
Actually, leather koozies, so they're they're
really nice.
Ooh, I'm excited.

SPEAKER_02 (01:39):
It's great.
Yeah, these are great because Iget little surprises because
Misty's just doing all the merchstuff.
So I'm like, oh, unboxing.
Yeah, yeah.

SPEAKER_01 (01:46):
No, my unboxing video was kind of fun.
You were stoked.
I was stoned.
I was super excited to getsomething fun in the mail.

SPEAKER_02 (01:53):
Yeah, absolutely.
It's so fun to create and designand then see it actually in real
life.

SPEAKER_01 (01:58):
Just so everyone is aware, I am only sourcing
products that are made in theUnited States.
So we're only using companiesand manufacturers that are
actually producing theseproducts here.

SPEAKER_02 (02:11):
Nice.
No Timu.
No, no Timu.

SPEAKER_01 (02:14):
No Timu.
These are these are all it'simportant that we, you know,
support other small localbusinesses as well.
So that's what we're doing.

SPEAKER_02 (02:22):
I love it.
So on today's episode of MilesBetween Us, I'm thinking we can
dive into the collision world.
Oh, yeah.
Well, it's really fresh too,because I feel like in the
recent couple of students areback.

SPEAKER_03 (02:35):
Yeah.

SPEAKER_02 (02:35):
So just new people in general, new to town,
whatever, but even our staffthat work here every day go
through it and they don't knowwhat to do.
We have vendors that deliver tous every single day.
They're in the realm,essentially, not the collision
realm, but like auto repair ingeneral.

SPEAKER_01 (02:50):
Absolutely.
Yeah.

SPEAKER_02 (02:51):
And they don't know.
And even when they start to getinto it, they get steered in
wrong directions or down rabbitholes or just don't have any
advocates.

SPEAKER_01 (02:58):
So this is why this is so important.
People have so muchmisinformation.
And, you know, maybe your momand dad told you to do it one
way, or a police officer toldyou to do it one way.
But I think it's important thatyou take it from the people that
are working at the shops.
Actually, fixing your cars.
Actually, fixing your cars anddealing with your insurance
companies or the other personevery day.

SPEAKER_02 (03:19):
You may learn some new things today, which I really
do think you will, but you mayalso be really surprised because
I think I think I'm stillgetting shocked on the daily,
which is not good, but you know,we're taking it day by day and
going through it.

SPEAKER_01 (03:32):
I think I was shocked last week when I found
out a Ford F-150's taillights$3,000 for a light.
That makes no sense.
It makes no sense.
So it's wild.
Yeah, let's dive into it.
So let's talk about what you dowhen you actually get into a car
accident.
It's super scary.

SPEAKER_02 (03:50):
It's I mean, I do this every single day, and I
swear tomorrow, if I were to getin a wreck, I would not panic,
but your adrenaline's high,depending on where you are, what
you're in the middle of doing.
You just get frazzled.
So at least we're working oncreating these little like
brochures for everybody to justkeep in your car and like the
glove box, and then you can justpull it out and be like, oh my

(04:11):
gosh, what do I do?
Yeah, step by step.

SPEAKER_01 (04:13):
I mean, it's really important because you know you
can be in the middle of theroad, there's traffic coming at
you.
Anybody that's been in anaccident will know that there
are a lot of people who willjust drive around you.

SPEAKER_02 (04:23):
They just don't care, they don't stop to help.
And I'll I will be the first toadmit, especially just like as a
woman, if I did not see thataccident happen, like it is
clearly not fresh, I am notstopping.

SPEAKER_01 (04:34):
Yeah, like I will call for you.
Yeah, sometimes it's not youknow safe for you to actually be
out there and in that road, butbut for the love of God, at
least call.
Yeah, don't just record asyou're going by and then Yeah.
And then I mean, I knoweverybody is is interested in,
oh, that's a really bad accidentor are posting stuff, but that's
somebody's you know, daughter orson or wife or husband, and uh

(04:57):
there's a lot of emotions at thescene, so we need to take that
into account.

SPEAKER_02 (05:01):
Yeah, I think things get posted way too quick, like
especially in all the Facebookforums and Tallahassee and
stuff.
Like you have no idea the statusof that person if loved ones
have even been notified, becauseI'm all about like hey, blockage
on Capitol Circle, whatnot.
We don't need to post thoseextra crunchy pictures where
you're like, is that personokay?

SPEAKER_01 (05:20):
Well, and I think for me, so I don't know why, but
I have been first on scene to alot of accidents.
And there was a major one atTennessee and Macomb.
Oh, this was your recent one.
Yeah, it was recent.
So a guy, I was stopped at astoplight, and the guy came up
from behind me, probably goingclose to 60, and blew through

(05:41):
that intersection and T-boned aJeep, and then pushed the Jeep
almost head on into aTallahassee police car.
Airbags deployed, things areleaking everywhere.
I mean, it was an unreal scene.
And I know first thing in themorning, like yeah, super early.
And I immediately jumped out.
You know, the officer's trappedin his car, the airbags are
going out, he's vulnerable, soI'm I'm helping him, making sure

(06:04):
he can get out and checking onthe other drivers, turning
vehicles off.
If you've got an electricvehicle, there's there's a lot
of hazards on a scene.
But people were rude.
Melissa, they were trying tolike drive around us.
It was like a demolition derbyin the middle of the city.
Because it's right there at rushhour, so they're like, I have to
get to work, I don't care aboutyour problems.

(06:25):
Yeah, and shout out to the guysbuilding that apartment complex
right there because some ofthose guys came over and helped.
I mean, it was a significant carcrash.
And you know, I'm glad I wasable to get out and help.
And for some reason, I'm I'mdrawn to that.
Yeah, you are.
Yeah, I am.
I'm drawn to that.
But yeah, it's super important,right?
And there was no screaming oryelling.
Let's just make sure everybody'sokay because that's what really

(06:47):
matters.
The rest of it can be fixed.
Yeah.

SPEAKER_02 (06:50):
Yeah.
We don't want to miss a step.
We hope you don't need it.
If you don't, you may knowsomeone that does.
You could be in the car ofsomeone that it happens to, or
just or you get the phone callfrom your daughter like I did.
Yeah.
Yes.
Yeah, just knowing what to do.
So step one, stay safe, staycalm.
That's easier said than done.
Absolutely.

SPEAKER_01 (07:08):
You know, especially if you are the one that's been
run into.
You're minding your ownbusiness, things are great, and
somebody just plows into youfrom behind.
It's happened to me twice that Ihave been in these car
accidents, and both timesweren't my fault, and person
behind me, you know, just plowedinto me.
And your immediate reaction is,I can't believe that just
happened, and I might get outand whip this person's ass.

(07:31):
But that's not a good idea.
It really is just take a breathfor a second.
Do an inventory of are we okay?
Yeah.
Yeah.
So that's super important.
A lot of people have this notionthat they should leave the cars
exactly where they are in themiddle of the road.
Not true.
It is not true.
If the vehicle is able to bedriven out of the middle of the

(07:55):
road safely, move it.

SPEAKER_02 (07:57):
Turn on your hazards, creep it where you need
to.
Correct.
Stay inside the vehicle if youfeel like, again, you're not in
a safe place where you can beoutside of the vehicle if it's a
heavy traffic area or somethinglike that.

SPEAKER_01 (08:08):
Yeah, there's multiple accidents that happen
when you've been in an accidentand you're staying in your
vehicle and you're in the middleof Thomasville Road, and now
another chain reactionaccident's gonna happen because
they don't realize that you'rethere.

SPEAKER_02 (08:20):
So when I think they get worried that if we're not in
the exact position they foundus, they're not gonna know who's
at fault and all the details.

SPEAKER_01 (08:27):
Yeah, it's just not true.
I mean, you've got a lot of carsthat have cameras in them now.
It's not even the officers thatinvestigate this anymore, it's
the insurance companies.
True.
Yeah.
They're gonna use statementsfrom each party and they'll
figure it out.
Yeah.
The best thing you can do is getout of the road.
Yeah.
Immediately check for injuries.
And that includes you, otherpeople in the vehicle, any

(08:49):
passengers you have.
It also a lot of times caninclude an animal.
I mean, I was in a seriousaccident when I had my Great
Dane.
And yeah, uh Which one?
I was hit behind by a taxi cabdriver who admitted to the case.
This was your first one.
It was, yeah.
Yeah, I was driving an F-150 onLafayette and had stopped at a
stoplight, and then taxi cabdriver was distracted and had

(09:10):
the nerve to tell me he waswatching a woman run.
Oh Lord.
So uh keep it to yourself.
Yes.
Obviously, you're not planningon being in an accident.
I've got a 175-pound dog, so Ihad to check on him, right?
And then you got to make surethey're contained because again,
an animal getting out at ascene, more chaos.
More chaos.
So we're trying to limit thischaos.
The next thing we have is tocall 911.

(09:31):
Tallahassee is a little bitdifferent.
You're in an accident on I-10 ormaybe in another city.
What you're gonna get to respondto you or how quickly they're
gonna respond to you is up fordebate at this point, is the
nicest way I can say that.
I will say the policy is that ifthere's an injury, you should be
getting a sworn law enforcementofficer.

SPEAKER_02 (09:51):
Should.

SPEAKER_01 (09:52):
Yes.
You want to report it, right?
Because you don't know thestatus of everybody involved.
There could be a fire hazardwith something leaking on the
car.

SPEAKER_02 (10:01):
It's always good too to just have another paper trail
of just kind of what happened,stamp it in time, details like
that.

SPEAKER_01 (10:08):
Right.
Yeah.
I mean, let's be real.
They're not arresting people fordriving with no insurance.
They're they're not evenarresting people for driving
with no license.
So if you're freaked out becauseyou get in an accident, you
don't have insurance, I'm suckit up.
Yeah.
They're not doing anything.
Uh which is kind of one of ournext really important things is
do not leave the scene.
Huge.

SPEAKER_02 (10:28):
I don't know what the actual radius is, because
I'm gonna say, I don't know, 50feet is plenty to leave the
scene.
Correct.
I mean, let's get to a safespace.
If you're three miles down theroad, you left the scene.
It's okay.

SPEAKER_01 (10:42):
Melissa is alluding to the fact that we're just
gonna throw this out there.
My daughter was hit, T-bonedwith her and my granddaughter by
a driver who then took off andmade it three miles away.
And it wasn't written up as ahit and run, so I can't really
testify as to what a hit and runis in Tallahassee, because that

(11:03):
would have been what I wouldconsider it to be.
It's okay.
It's okay.
We're gonna move past that everysingle day.
We see vehicles come in herefrom a hit and run.

SPEAKER_02 (11:14):
Yeah.
Whether it's in the parkinggarages, that's a huge one.
Parking lots in general, evenlike the side of the streets.
Yeah.
And it's sad how often peoplejust come out and they're like,
I have no clue what happened.
Some other witness came to meand said, Hey, somebody hit your
car.

SPEAKER_01 (11:28):
No, and it's and they're not small things.
I mean, it's not like there's alittle bitty scratch on your
bumper or somebody danged yourdog.

SPEAKER_02 (11:34):
I mean, it'll be like three to five grand in
damage.

SPEAKER_01 (11:37):
Right.
And they just left.
Like, I I don't know who doesthat, but don't comment.
Yeah, don't do that.
In fact, I'll tell you, somebodytapped into my bumper and they
actually left a note on mywindshield.
And because they left a note, Ididn't call them.
Yeah.
Because I was like, you knowwhat?
That was so nice of you.
There's really not much damage,and I own a collision center.

SPEAKER_02 (11:59):
Yeah.
I know that's why I'm slightlysalty because I have never had a
brand new car.
I finally get a brand new car acouple years ago.
And then within what, like sixmonths, yeah, it was either at
the FSU parking lot or my moneyis on Trader Joe's.
If you've been to Trader Joe'sor any place in that godforsaken
parking lot, you know it's acluster.
It's insane.

(12:20):
But yeah, so I had that onehappen, and then I had another
incident in Trader Joe's, andI'm like, can't I please damage
my own car for once?
Like, let me.

SPEAKER_01 (12:27):
Yeah, I I've told many of people when you first
get a car, you should just goout there and like kick it or
you know, put a little dent init.
That way at least we did thefirst one.
We talked about do not leave thescene.
It really can result in charges.

SPEAKER_02 (12:41):
If you got in a wreck and then you just flee,
you have no idea, just human tohuman.
Is that person okay?
Like it's just deeper than that.
So there's just many reasons whyyou shouldn't, and you'll get
arrested.

SPEAKER_01 (12:52):
So there's that.
Exchanging the information.
So this is really important.
And I'm gonna give you some tipshere.
Listen, nobody carries theirinsurance card anymore.
It's on your phone.
What should happen is you've gotan officer on scene and you're
gonna give them your insuranceinformation.
And there's gonna be a driver ofexchange form.
Just because I gave you someinsurance information doesn't

(13:13):
mean it's valid.

SPEAKER_02 (13:15):
Or it's even auto.

SPEAKER_01 (13:17):
That's right.
I forgot we had that situation.

SPEAKER_02 (13:21):
Another experience of Misty's daughter.

SPEAKER_01 (13:23):
Yes, where she actually got somebody's
homeowner's insurance.

SPEAKER_02 (13:28):
From the actual report, she didn't exchange it.
This is just my own personaltake on it.
You should definitely doublecheck and exchange information
with the person, see it foryourself.
Don't just go off of that policereport because we've seen it so
many times where it's wrong.
They've put the wrong address,they put somebody else's address
on there, which that's that'spretty good.

SPEAKER_00 (13:47):
They even have the wrong driver.
I mean, yeah, so I wasn't evenin our own car.

SPEAKER_02 (13:52):
And again, this is back to kind of what we said in
a previous episode where justbecause certain people are in a
certain rank or in a certainposition does not mean it is all
accurate, even with policereports.
Like just make sure to do yourown due diligence.
Be like, oh, that tracks.

SPEAKER_01 (14:07):
Yeah, and we and we've got to say, like, we are
not bashing first responders.
Like we are a first responderfamily.
Yeah, we just keep seeing it.
What's being told to people atthe scene is not accurate.
You know, we need to go backthrough some training with that,
I think.
But it's really important,obviously, insurance company,
policy number, get the vehicle,make model, and color of the

(14:29):
car.

SPEAKER_02 (14:30):
I mean, everyone's got a smartphone on them now.
So just take as many picturesand videos, the road around you,
debris, skid mark, all thedetails is better.
You can always delete things,you can never get it back from
that incident.

SPEAKER_01 (14:42):
Jot down, do a voice recording of any of the details
you can remember.
That can be really important.
And again, this isn't becauseyou're necessarily gonna end up
in a lawsuit or that type ofstuff.
Your insurance is gonna ask youthese questions.
Yeah.
They're gonna ask you what colorthe car was that hit you.
They're gonna ask you all.

SPEAKER_02 (14:59):
Well, and once the adrenaline fades, all of a
sudden it can be really hard torecall it.
And you may not ever file withthe other people's insurance,
you may stay out of pocket.
We do plenty.
It's a college town.
Yeah, they don't go throughinsurance, it's really high for
kids on their parents' policy.
They don't want to get dingedagain.
So we're not saying exchanginginformation is the only thing

(15:19):
you're gonna do when it comesto, oh, you have to file.

SPEAKER_01 (15:22):
Right.

SPEAKER_02 (15:22):
You may not, but at least having it in case
something gets weird, they tryand ghost you.
It's a safety net.
And then if you already knowyou're going through insurance,
you have everything you need.

SPEAKER_01 (15:31):
We've talked about the adrenaline in an accident
scene.
That first car accident that Iwas in that I talked about, I
thought I was perfectly fine atthe scene, right?
You've got all this adrenalinegoing through your body and and
you think everything is okay.
And I knew that I was hit hardfrom behind.
I mean, it totaled that car.
And I thought that I was okay.
And the next day you wake up andyou're a little bit sore.
And it wasn't until about a weeklater that I was actually at

(15:53):
work and I stood up and I wassuper, super dizzy, and
everything went black and Icollapsed.
And I spent the next week and ahalf in the hospital.
I had actually torn some nervesin my neck and uh C1, C2 were
unstable.
This isn't to scare you.
It's not to scare you.
It's to say you don't know.
Visibly, I looked okay.
And I thought I was okay.

SPEAKER_02 (16:15):
And instead, I ended up with when you could have been
like you never know when you gethit, you could be like this,
this, however.
And honestly, if I just sleepwrong on a pillow, I'd be
hurting these days, let alonesomeone hit me from behind,
sideswiped me, whatever.

SPEAKER_01 (16:29):
Well, and everything in your car is moving at the
same speed as your car.
So listen, if you've got allthose water bottles in your car,
which I know you all do, a bookin the back.
I'm more scared about theStanley cups these days that are
so popular.
I'm like that to the head.
Right.
So you suddenly stop and thosethings in your car become a
projectile.
They're moving.
Pay attention, maybe secure someof the items that you've got

(16:50):
rolling around in the car.

SPEAKER_02 (16:51):
Yeah, this is a great opportunity to go ahead
and purge all the random stuffyou're keeping in there, or at
least put it in like your trunk,secure it, things like that.

SPEAKER_01 (16:58):
Yeah, absolutely.
So, you know, cooperate with thepolice.
They're out there to do a job,hopefully get you the accurate
information, make sureeverybody's safe and fire.
Absolutely incredible guys gonnacome out there and the EMTs and
paramedics if they're needed.
Let's just hope that it's a bumpand a scrape and your car's a
little bit damaged.
We can replace vehicles, wecan't replace you.

(17:19):
So that's really the mostimportant thing.
And people have got to rememberthat.
Whether you're gonna file aclaim through your insurance,
their insurance, call yourinsurance company and say, hey,
I've been in an accident.
What you don't want is to notsay anything, and then it wasn't
your fault, but the otherdriver's like, Well, let me try

(17:40):
and see if I can get thiscovered, and they're gonna call
your insurance and file a claim.
And now all of a sudden yourinsurance is shocked, has no
idea what's going on, and you'regonna get super upset when you
realize somebody tried to filethe claim against you.

SPEAKER_02 (17:52):
Well, and we can backtrack a second with the cops
not having accurate information.
So Florida's a no-fault state.
And I think that's gotten alittle mucky with the way that
gets kind of transpired topeople who've been in accidents
where they're just like, oh,just file through your
insurance.
You you have full coverage.
That's just not exactly how itshould go.

SPEAKER_01 (18:10):
Well, not everybody has full coverage.
That's the problem, right?
So an officer at the scene willsay just that.
Florida's a no-fault state, filefor your own insurance.
If you don't have full coverage,they're not covering your
vehicle.
They're not gonna pay foranything, right?

SPEAKER_02 (18:26):
Well, it's more so misguiding because that's
telling you just go ahead and goyour own route when essentially
if you weren't at fault, theother people have coverage,
that's the route you're going.

SPEAKER_01 (18:36):
So this is just where we're getting at with
better information and knowing.
Absolutely.
I mean, if you've got a largedeductible, again, the accident
wasn't your fault.
You've got a large deductible.
Why would you file with your owninsurance and have to pay that
deductible instead of just goingthrough their insurance?

SPEAKER_02 (18:52):
Now, if they don't have coverage, then obviously
that's what you have to do.

SPEAKER_01 (18:55):
Which again, we're gonna get into kind of the
insurance thing and what oursuggestion is.
We don't sell insurance, but wedeal with it every single day.
So there are some changes thatneed to happen with that as
well.

SPEAKER_02 (19:06):
Yeah, but after witness info, cooperate with
police, notifying yourinsurance, then this one's
particular to here in Florida.
Yeah.
Seek medical attention.
Like Misty's saying, she wasn'taware that she had any injuries,
but you only have 14 days.

SPEAKER_01 (19:21):
Yeah, it's 14 days from the time of the accidents,
and you only have two options.
Your only options are to go toan ER or to go to a
chiropractor.
Most people don't realize that.
Your primary care physician isnot going to see you for a car
accident.
You've got to get checked out.
If you don't get checked out inthose 14 days, you're giving up
your right to the benefits ofthem paying for any care or

(19:43):
coverage that you need.
Um, and for me, it ended upbeing hundreds of thousands of
dollars in care and time inanother state and all kinds of
things.
We cannot stress that enough.
Get checked out.
I mean, just go and get checkedout.
We have some incrediblechiropractors in town.

SPEAKER_02 (19:58):
Because if you're great, amazing, then they just
give you a bill of health andyou're like, okay, great.
But if not, then you have thatwindow you're covered within,
and then you'll take the nextsteps for whatever care you
need.

SPEAKER_01 (20:08):
Yeah, absolutely.
You gotta know your rights,right?
So you get into a car accidentand your car's disabled, it
needs to be towed.
You have a right to callwhatever tow company you want to
use.
There's a thing called rotation,and the officers can call the
company that's on rotation tocome get your car.
Usually what we see happening isthose cars then go from the

(20:30):
accident scene to a storagecharge and they immediately
start occurring storage charges.
I would say go ahead and kind ofcome up with a plan.
Know who your collision centeris, who you want to have a
relationship with.
We hope you never have to see usfor collision.
Just come see us for an oilchange.
Go ahead and know thoserelationships.
There's some incredible shopshere in town and across the

(20:52):
country.
So go ahead and have in mindwhere you think your car would
go.
And if you don't know, have ittowed to your house.

SPEAKER_02 (20:57):
To your house.
Because also you don't have, sayit's an older car, you don't
think you need full coverage.
This is never gonna happen toyou.
Say the other party does nothave coverage.
So you are SOL.
Your car then gets towed to astorage lot, and it is, these
are not normal storage targets.
This is not like, oh, my carjust got towed, I'll pick it up
tomorrow or the next day for 120bucks, whatever the rates are

(21:19):
now.
No, it's like double.
And so imagine then you're outof pocket, whatever that is, to
then just get it towed topotentially your house.
It it just becomes a mess.
Like you just either need toknow your shop, just have it in
the back of your mind if youever need it, yeah, tow it
there, or last resort, tow it toyour house.

SPEAKER_01 (21:37):
Yeah, absolutely.
And then listen, if it'sdrivable and it's safe, so what
we deem drivable and safe isdifferent than sometimes what
most customers think is drivableand safe.
Hit in the front end, let'scheck for a coolant leak.
If your car is leaking coolant,don't drive it.
Yeah, we've got cosmetic damage,we don't want to have engine
damage because we've driven itwith the coolant leaking.

SPEAKER_02 (21:59):
I mean, if your hood is gapped, do not drive it.
A to B in town low speeds, Ithink that's fine.

SPEAKER_01 (22:06):
Yeah, you get that wind underneath there, the
safety catch doesn't work andit's flying up into your
windshield, and we've seen thata couple of times.
A couple times.
Yeah, something's pushed intoyour tire, don't drive it.
You know, you're heading up.
Even your headlights, yeah.
You know, I mean, yeah, we seewe see a lot.
It was well before you wereborn, but there used to be
safety inspections in Florida.

(22:26):
And uh never heard of it.
Yeah, it's not a thing anymore.
But we we do want to talk aboutthis federal law.
It's a federal law that you cantake your vehicle anywhere you
want to be repaired.
We're suggesting you choosesomeplace licensed and insured.
It is your choice where to getthis vehicle repaired.

SPEAKER_03 (22:43):
Yep.

SPEAKER_01 (22:43):
They're called anti-steering laws.
The insurance company isn'tsupposed to steer you to a
certain shop or a certain placeto go.

SPEAKER_02 (22:50):
And yeah, those are your DRPs.
They're in contract to have tostay within certain realms,
whether it's you, certain parts.
I mean, there's it's a wholething.
I love it when our customerscome and they're initiating the
claims so I can see it fromtheir vantage point.
Do it with us.
Yeah, and I love it because thenI can help you all more.
But state farms really rub methe wrong way because they're

(23:12):
notorious for the steering ontheir app.
Yeah, no, literally on theirapp, you take the photos and
there's a drop-down and you pickyour repair facility.
And there's a way that you'resupposed to be able to search,
and they only give you like sixoptions.

SPEAKER_01 (23:26):
Yeah, it's it is completely 1000% against the
federal law.
You like you cannot go anyfurther and you cannot go to the
next step.
You can't go to the next step.

SPEAKER_02 (23:35):
And most of us, like I'm just being real, most of us
don't already want to deal withthis.
They want to just go ahead andgo to the next step, get it
handled, initiate the claim.
So they're just gonna pick oneof them.
Yeah.
And they don't realize how wrongthat is and that it is against a
federal law, which is a bigdeal.

SPEAKER_01 (23:49):
Well, the problem with that is listen, it's about
a relationship.
We are fixing something that'sgotta be safe.
It's gotta be back topre-accident condition, it's
gotta protect you and yourfamily if it's in an accident
again.
That relationship that you havewith the repair facility is
incredibly important.
You know, this podcast isprobably a little more serious

(24:10):
than some of our others aregonna be, but you wanna make
sure that they're doing theright repairs and they're fixing
the right things and there's noshortcuts.

SPEAKER_02 (24:17):
Let's just say this shop has progressives and they
do all the drive-in estimates.
I have gotten some of those andI'm looking at the estimate.
I am looking hard.
I am looking at that car, andit'll have 10 hours of repair on
this quarter, and I am gettingat every angle you could
possibly imagine.
Even before your car is evenbeing touched.

(24:39):
I don't know if places areoverriding because they want to
stay in their sweet spot.

SPEAKER_01 (24:44):
So they don't want to do the work.

SPEAKER_02 (24:45):
Yeah.
So there's certain things thatagain, I don't work for these
companies, I don't know theirbusiness models, but I've just
gotten the ones that eitherpeople didn't feel comfortable
getting their cars fixed there,or they essentially booted them
out and was like, we're notfixing your car.
Like with repairs on repairtime, that's objective.
Yes.
Again, it just matters beingable to choose a shop that you

(25:07):
feel comfortable that one,they're doing everything they're
supposed to be doing, and two,you're able to ask those
questions.
Because I think no question is adumb question.

SPEAKER_01 (25:15):
No, you need, I mean, really what it boils down
to is you need an advocate onyour side, right?
So that's what Melissa and I dois that we want to be your kind
of concierge, help you file theclaim, help walk you through the
process.
You're entitled to a rental car,help you get that set up, and
then really advocate for yougetting the best repair, right?

SPEAKER_02 (25:35):
Which is getting harder to do every day.

SPEAKER_01 (25:38):
I mean, it's a joke.
Like it's getting really hard.
Listen, if any of you insurancecompanies want to come after me,
come.
But I'm just gonna tell you it'sbullshit.
I mean, the vehicle needsthings, the dealership says,
hey, this needs to becalibrated, this needs to be
fixed.
We should I had to argue aboutreplacing seat belts in my

(25:59):
daughter's car in the previousaccident where the seat belts
were locked up.
The OE says, absolutely replacethe seat belts.
It was our own insurancecompany, and I spent almost 30
days arguing with them toreplace seatbelts.
Yeah.
You know, it's it's insane.
Like the seatbelts worked beforethe accident.

SPEAKER_02 (26:17):
And this is more of like the behind the scenes that
you all will get intel to, butthe amount of arguing any shop
has to do to fix your carproperly to pre-accident
condition to OEM standards isabsolutely maddening.
If you saw on a daily basis whatshops went through to just make
sure your car is so clear.

SPEAKER_01 (26:47):
And so, yeah, we try to protect the customers from
understanding that all thatarguing is going on.
My background, again, was that Iwanted to go to law school, so
the arguing doesn't bother meand I'm constantly doing
research.
Melissa, on the other hand, is alittle bit over the arguing.

SPEAKER_02 (27:01):
Well, that's what works out great.
We had all our hands andeverything from the very
beginning when we moved to LakeBradford.
We were all answering thephones.
I did mechanical, she didcollision, but then it got large
enough to where it was insanefor all of us.
It was chaotic.
So we decided to divide andconquer.
Misty does mechanical, I docollision.
Yeah.
But what works out great iscollision's a little bit more

(27:23):
in-depth where there's a lotmore moving pieces all the time.
So she's got more free time inpockets.
So in her free time, if there'sone that has it has just
exhausted me and it still needsthat further step, further
research, further arguing,whatever it may be, she then
takes that because she likes it.
She likes the research, shelikes reading.

(27:43):
And I'm like, here you go.

SPEAKER_01 (27:45):
There's a lot of it.
I mean, again, you've got to gothrough, they call them position
statements or P pages.
And so that is the manufacturer.
Let's say that it's a Chevy, andChevy says, This is how this
needs to be repaired, this ishow this needs to be done.

SPEAKER_02 (28:01):
If it's sectioning procedures, if it's required
versus recommended, becausethat's another ridiculous thing.

SPEAKER_01 (28:09):
Yeah, absolutely.
Well, and let's be real, theseadjusters aren't fixing cars.
Back in the day, they weretrained.
They were trained to know whatan ABS speed sensor was or what
an axle was or what a strut wasor they understood when this
metal was bent it wasn't gonnabe fixed back and have the same
amount of strength.
And and now they're not.

(28:30):
I mean, it's purposely done bythe insurance companies because
if they're naive, then they'renot gonna really take a lot of
responsibility for that.
So you've got to have somebodyagain that's doing that battle,
and and Melissa's doing it foryou, you know.
I will be happy to to argue withan adjuster.
There's not a lot of negotiationin it.
The plain and simple fact is thecar's got to be fixed right.

(28:52):
You know, your life depends onit.
So with all these radars and thecalibrations and the cameras, so
there's a lot that goes intothat.
So it's one of the reasons weneed to talk about insurance.
None of us want to pay any moremoney for anything.
It's expensive.
Life is so expensive right now.

SPEAKER_02 (29:09):
Well, and it's it's crazy because you don't have
just auto, you have auto, youhave health, you have home, and
you're essentially buying intothis lottery that you pray you
don't need.
Correct.
But let's just say you do.
Yeah, please let's just not makeit a headache.
I'm paying all this money.
Yes.
I know my coverage, just cover.
Yeah.

(29:29):
That's it.
But yet it's not that way.

SPEAKER_01 (29:31):
Yeah, no, it's not that way.
And Florida has, I think, thesecond highest rate of those
that are uninsured.
So I think it's one in five.
Yeah.
Your chances of getting hit bysomebody that's uninsured is
extremely high.
We also have one of the youngestdriving populations at all in
this area.

(29:51):
We've got three colleges.
You need to be covered.
Insurance is to protect you,right?
It's to protect your asset,protect you.
Florida has had this$10,000liability requirement forever.
And as we just talked about, atail light on an F-150 is three
grand.
You and I looked at a hood twodays ago on an F-650.

(30:15):
That hood was over$8,000 for thepart.
Yeah.
Right.

SPEAKER_02 (30:20):
So if you know the Hyundai Fender.
Oh my gosh.
We just had a$24 Hyundai and theFender is$1,500.
That is the highest one I'veseen yet.
That is wild.
It makes no sense.
Headlights on average are about$1,500.
They can get all the way up tothree grand.

SPEAKER_01 (30:36):
So mirrors, we've seen mirrors that are$2,000,
$3,000.

SPEAKER_02 (30:40):
Some of the Fords.

SPEAKER_01 (30:41):
Again, they've all got these electronics and
modules and stuff built intothem.

SPEAKER_02 (30:44):
I mean, so we're saying all these parts though,
because you just have, let'ssay, 10 parts you need.
So you have the cost of therepairs, then you have the cost
of the rental car if that'sinvolved.
And then it just keeps stackingup.
And before you know it, we'vehad so many customers that
wasn't their fault.
They're the claimant.
And they're like, I'm so sorry,but your 10K is capped and you

(31:06):
should file through your owninsurance.

SPEAKER_01 (31:07):
Yeah, there's nothing we can do.

SPEAKER_02 (31:09):
And nobody knows.
They're they're shocked by it.
And I was honestly shocked by itthe first time it happened
because I'm like, what do youmean?
Like that's just it.
They're not well right.

SPEAKER_01 (31:16):
So if you don't have uninsured or underinsured
coverage, you don't have fullcoverage, your insurance isn't
going to help you out either.
Yeah.
So we've got cars currently inthe parking lot that were hit by
somebody else.
Wasn't their fault.
They didn't carry full coverageon their own car, and the car's
sitting out there with$12,000,$13,000 in damage, and they're

(31:40):
going to save money to try andfix this car because they have
to pay out of pocket.
Yeah.
So it happens a lot.
What I'm saying is insurancecompanies make it more
affordable for a policy withmaybe, I don't know, a$25,000
limit.
Look at a$50,000 limit.
Because the average new car, Imean, you've got trucks that are
$70,000,$80,000.
New Yukon,$108,000.

(32:02):
It's insane.
So if you hit one of thesevehicles, it's more than$10,000
to fix it.
Yeah.

SPEAKER_02 (32:08):
I mean, there's plenty.
We have a traverse that is goingthrough the ringer right now,
and it's technically repairableat this moment for about$18,000.
It wasn't that long ago that youhad a little fender bender and
it was like$1,500.

SPEAKER_01 (32:22):
Oh, yeah.
I mean, the average bumper, evenat our last location, you're
talking about four or fivehundred dollars for the part
painted, put on everything.
Uh, we're nowhere close to thatnow.
So the prices of everything havegone up.
And we all know that.

SPEAKER_02 (32:35):
And that's another thing to keep in mind too for
all these tiny little parkinglot incidents.
It being under a thousand isvery rare because it doesn't all
the cars are designed now, whichis to keep you safe, which is
great.
They're designed to crumple atthe zones.
And so essentially theycollapse.
You'd be surprised.
It looks totally fine.
The bumper's barely nicked.

(32:56):
You take it off and the framerails smash.
It's so good.

SPEAKER_01 (32:59):
That's what we have with that traverse right now.
So this traverse got hit in thefront.
The the bumper actually, youknow, popped in but then popped
back out because it was plastic.
And then when you get it off,that rail all the way through to
the firewall is crumpled.

SPEAKER_02 (33:14):
Yeah, so it's actually only crumpled probably
like five inches.
But on other manufacturers, theyhave sectioning.
Right.
This has no sectioning.
Yeah.
So you have to replace theentire piece, which goes all the
way back to the firewall.

SPEAKER_01 (33:27):
Yeah, so the engine's got to come out of this
car.
I mean, when you look at acustomer and say all the
suspension.
Sorry, you were hit in the frontand it looks okay, but your
engine's got to come out of thecar.
You guys are looking at us likewe're crazy.
That's one of the things we doall the time is we want to take
our customers out there and showthem.
We want them to see where thedamage is, see what's happened.

SPEAKER_02 (33:48):
Because it's really hard to grasp.
Honestly, if you're looking atit the way you were before that
car got fully disassembled, it'sreally hard for someone who's
not in this industry to evenunderstand what the part is I
just said.
What is an apron?
Am I wearing it to cook?
Like, I don't understand.
So there's certain things thatlike there's just that
disconnect.
And because we're in it everyday, we don't realize it until

(34:09):
someone's like, What do youmean?
And I like that when peoplethey're comfortable enough to
say, I don't know.
And I'm like, Oh, good, let mehelp you understand it better.
Because that matters.

SPEAKER_01 (34:19):
Well, we love educating people.
We love the the more knowledgeyou have, the more powerful you
are.
And so we're about creating somereally powerful consumers and
and individuals.
So if you've got questions, youwant to know something, you want
to know.
We've got and we've got amazingtechnology.
We've got a 3D CAD system that'sgreat.

SPEAKER_02 (34:38):
I love it.

SPEAKER_01 (34:38):
We have for every single vehicle make and model.
And so we can literally look atall these different things that
are hidden.
And yeah, the technology playsan important part in what we do.
Listen, guys, please, we'reseeing it every single day.
There's more and more cars beingtotaled.
It's harder to replace avehicle.
Cars are more expensive.
So I I really want you toconsider having full coverage on

(35:01):
your cars and having thatuninsured and underinsured
motorist.

SPEAKER_02 (35:04):
Just even if like I had an older escape and even
then I still kept it on fullcoverage because I'm like, yeah,
my car itself is not worth much.
But if I got in a wreck and itwent away, I'd still need a
couple grand to find somethingto alleviate some stress to go
towards something else becauseyou're gonna get at least

(35:24):
something for it.
May it be pennies, but you know.

SPEAKER_01 (35:27):
No, it's it's very, very true.
Your insurance is going to writefor the cheapest repair
possible.

SPEAKER_02 (35:34):
The most cost effective.
Yeah.
Let's play with their termssince they use them.

SPEAKER_01 (35:40):
Let's play with their terms.
They're not paying enough to fixthese cars correctly.
Paint's expensive.
So you need to know what yourrights are as a consumer.
You need to read your policy.
Most people haven't read theirpolicies.

SPEAKER_02 (35:51):
I have not read it since the day I did it because I
felt confident in what I got.
I hope I don't need it.
I do not know if I have rentalcar coverage because at the time
I had a secondary vehicle.
I don't now.
So I'm going to go look at mypolicy after this.

SPEAKER_01 (36:05):
Yeah, so that's important.
Rental car coverage isinteresting.
If you have rental car coverageon your own and it's going
through your own insurance,you're kept at 30 days.
No matter what.
No matter what.
Back ordered parts, discontinuedparts.
Yeah.
Or a payer that's going to take45, 50 days, you know, but we're
seeing a lot with back orderedparts.

(36:26):
You get to this 30 days and yourinsurance says, uh, turn your
rental car and we don't reallycare if you walk.

SPEAKER_02 (36:32):
Yeah.
And I don't know if you all haverented a car lately.
Oh my gosh.
Holy casting, first of all.
I think on average they're like$500 a week now.
Yeah.
I just found this out, by theway.
We need to fact check it.
Apparently, with Costco, they dorental cars and they're like
half the price.
Look into that if you need one.
But even the, I think it'scalled Turo, they're expensive

(36:52):
now.
They used to be like 20 bucks aday.
So on average, it's gotten tolike$40,$50 a day.

SPEAKER_01 (36:57):
You're capped at this 30 days, but sometimes
you're also capped on the dollaramount per day.
Yeah, and I don't know whyTallahassee is this way.
We're out of rental cars all thetime.

SPEAKER_02 (37:06):
Supposedly, right now, it's because there's many
that have recalls.

SPEAKER_01 (37:10):
Uh, some ones that don't.
I don't know.

SPEAKER_02 (37:12):
I you're in the business of a you know what is
driving me nuts?
This is a PSA.
I have had so many customerstalk to me about this.
The rental car companies thatwill then make their customers
go get an oil change on thesecars.

SPEAKER_01 (37:25):
I have heard that lately.

SPEAKER_02 (37:26):
All the time.
We just had one, he had toservice the tire.
It got a nail in it, and insteadof just bringing the car back
and having them handle it, theyhad to go to a shop, they had to
wait there for hours.
They don't get reimbursed forany time.
It is wild to me.

SPEAKER_01 (37:39):
Again, it's the customer service thing.
So we're always gonna stay onthat side of customer service.
But yeah, rental car experienceis a whole different thing now.
Let's talk about the total losspercentage of claims and what
we're seeing with that.
It's creeping, creeping higherand higher.
We're expecting next year atleast 50% of vehicles that are

(37:59):
in an accident to be a totalloss.
That means you will not get yourcar back.

SPEAKER_02 (38:04):
Which is important again if you're deciding under
your policy what you're doing,gap coverage.

SPEAKER_01 (38:09):
You probably owe more on the car than you're
gonna get for it.
They depreciate so fast.
Yeah, we also need to talk aboutthese insurance companies that
are going virtual because we'reabout technology, but I'm I'm
not about this technology.

SPEAKER_02 (38:21):
See, I'm okay with it to an extent.
The ones that are so Mistydoesn't deal with it as often,
so she's got her take on it.
The ones that are still assignedto an adjuster, you've got the
same person.
It's relatively very easy tocommunicate with them.
I don't mind it at all.
And I think some companies aretold to err on the side of like,

(38:42):
okay, some of them are meant toargue and say, no, that's not
three hours, that's one, butthey're physically not there and
they're doing a FaceTime, andyou're like, how can you you
can't see it?
Whereas some other companieshave been told, hey, you're not
there, you can't see it as well.
You need to see it.

SPEAKER_01 (38:57):
What she's talking about, in case you guys don't
know, is is people come in allthe time and you've got the back
part of your car and you've gota big dent in the quarter panel
or the bedside even, and you'vegot a dent.
Well, there's no book time onthat repair.
It's really based on the sizeand the depth of the dent and
the type of the metal.
Right, all of that.
So when we say it's subjective,it's up to the experts to decide

(39:21):
what it's gonna take to fix thatcar.

SPEAKER_02 (39:23):
The ones fixing your car.

SPEAKER_01 (39:24):
Right.
Not the adjuster who's nevertouched the car.

SPEAKER_02 (39:29):
But I don't mind those ones that have a tied
adjuster, it is other ones thathave express teams, right?
Or whatever they're callingthemselves, where you will never
ever talk to the same person.
So if that person you talk towho is already maybe a pain,
maybe giving you some grief,does not note your file at all
or well, the next person youtalk to is gonna say, Well, you

(39:51):
didn't call.
We don't have any recordings.
Though every call is recordedfor quality and training
purposes.
So it's just a little maddening.
So when you have a person thatyou're assigned to or you have
an in-person that you've createda relationship with, the
in-person ones are great for theshop.
There's one person that's formultiple claims.

SPEAKER_01 (40:12):
Oh, yeah, good for the customers.
Listen, most customers stillbelieve you call insurance, you
talk to a human being, you filea claim, and somebody will come
to your house and look at it.

SPEAKER_02 (40:22):
They're starting with that virtual AI, and then
you're assigned to it, but youmay still never see them.

SPEAKER_01 (40:27):
And let's talk about that because you just briefly
kind of skirted that in there,this virtual AI.
Well, it is in very fine printwith an asterisk, so it is in
very fine print with anasterisk.
So a lot of your estimates arebeing done by virtual AI.
You're sending in pictures and acomputer is then kind of running
it through and going, well, thisis based on how many pictures

(40:48):
we've seen of this type of cardamaged in this area, this is
what it should cost.

SPEAKER_02 (40:52):
So just like Chat GPT, it is learning.
Yes.
And it is getting better.

SPEAKER_01 (40:57):
Listen, I like some of the technology.
I I really do.
I like streamlining some of it.
I mean, there's some really coolstuff that's out there that I
want to eventually have whereyou just drive through it and it
does a whole bunch of.
She's obsessed with this idea.
I'm not obsessed with it.
I'm going, we're gonna get itone day.
Yeah, which is please.
But again, you can't see behindthat bumper.

(41:17):
It's not opening the deck lidand taking the spare tire out
and looking at that pan to seeif it's pushed in.
It's not opening the hood andlooking to see if the fan is
broken.
It takes hands-on to really lookat this stuff and look at it
accurately.
You know, we want the majorityof this stuff to be fun, but we
are really about educatingpeople.

SPEAKER_02 (41:35):
And this is a big deal.
This one's big because no lie,I'm having this conversation
every single day.
So that's another reason why wewanted to do the podcast, is
because if I'm having thisconversation every day on an
individual level, why not spreadit to our community?
And it touches way more peoplewho may not even see us.

(41:55):
Correct.
They may never come to our shopprior, be a customer, but then
they've heard this information,they feel a little bit more at
ease.

SPEAKER_01 (42:02):
Whether you're coming to our shop or not, if
you've got questions about theprocess, call us.

SPEAKER_02 (42:06):
Yeah.

SPEAKER_01 (42:07):
You know, I know that there are other shops in
town that you can call thatwould be happy to help you, but
don't just take insurance wordfor it.

SPEAKER_02 (42:14):
Just don't just take only take the word from someone
who owes you money.
I'm just saying.
Like they're the ones puttingthe bill.
Essentially, the insurancecompanies are just a bank
account.

SPEAKER_01 (42:25):
You know, most importantly, again, we want you
to be safe.
Don't drive distracted.
Get off the phones, watch outfor these crazy kids on these
scooters.
I don't think the problem's thecars with them.
I'm just saying, I think it'sactually the scooters and the
people.

SPEAKER_02 (42:37):
Okay, I maybe pull it out in front of you.
Have you ever ridden one?
No.
Why would I do that?
I'll tell you.
I rode one finally because I'mlike, I see them all in town.
We go to Nashville.
Okay.
I'm like, okay, we'll rent it.
It was annoying to rent becauseyou got to do all this, you
gotta download an app, whatever.
But we're committed because weare going further than walking
distance.
I regret the whole thing.
But, anyways, what happened isthis thing hauls ass.

(43:03):
Oh no.
Like it has way too much powerto be like a little scoot scoop.
In my mind, I was thinking thisis gonna be a leisurely stroll,
went through my hair.
I was fighting for my life.
I have my purse on like acrossbody, so luckily that was
safe.
A lot of these kids are new tothe area.
We have some jank roads that area one-way here, stop, sidewalk

(43:24):
stops, then over here, the oneway goes the other way.

SPEAKER_01 (43:27):
They all change names.

SPEAKER_02 (43:28):
The sidewalks just halt with no warning.
So imagine not knowing an area.
You're on this scooter, yougotta come to a complete halt.
And then all of a sudden, thesidewalk ends, and I'm in a
roundabout.
Okay, I can't.
I was terrified.
Finally, we didn't even go towhere we wanted to go.
We just ended up looping aroundfor like 15 minutes and we both

(43:48):
got off.
And me and Zach looked at eachother.
We're like, never again.
I know why these kids aregetting super hurt on these
things because they are wild.
You should be wearing a helmet.
Sorry to sound like a mom, butlike I could have died that day,
okay?

SPEAKER_01 (44:02):
I've seen glad you didn't, and I will take it back.
I won't blame it on all thecrazy kids on the scooters.
It's the scooters themselves.
You guys stay safe out there.
I mean, accidents happen.
I don't think there's anybodyout there intentionally getting
in an accident.

SPEAKER_02 (44:17):
I do not think anybody wakes up and says, you
know what I didn't do today?
Yeah.
Hit somebody with my car.
Right.

SPEAKER_01 (44:23):
Nobody's intentionally doing it.
They're called accidents for areason.
We talk about this all the time.
We see things differentlybecause after our dad died,
things just aren't as criticalas they used to be.
We can replace the vehicle, wecan replace the parts, we can
fix those.
We can't replace our friends andour family.

(44:45):
Drive a little more courteous,let the person in.

SPEAKER_02 (44:49):
Maybe like simmer down on the road rage because
it's not that serious.

SPEAKER_01 (44:52):
Yeah.
I mean, what are we all rushingto do?

SPEAKER_02 (44:55):
Put on some good music, listen to a podcast.
Maybe ours.
It's a very serious matter.
We hope we still bring somelightness to it because at the
end of the day, it's reallyscary.
It's just a process, right?
Everything's a process.
So as long as you know the stepsand you have somebody that can
hold your hand through it,again, just get through it.

SPEAKER_01 (45:16):
Yeah, absolutely.

SPEAKER_02 (45:17):
It'll it'll go away.
It'll be a distant memory beforeyou know it.
Yeah.

SPEAKER_01 (45:20):
We're glad that you guys listen to us and we're glad
that we're able to bring yousome information.

SPEAKER_02 (45:24):
We hope it's helpful.

SPEAKER_01 (45:26):
Truly.
I hope you learned something.
If you've got questions you wantto ask us about something more
in-depth, you know, go to ourwebsite.

SPEAKER_02 (45:32):
I'm sure there's plenty we didn't cover.

SPEAKER_01 (45:35):
Because again, it's it's a lot.
Yeah, it's a it's a daily battleand a daily grind.

SPEAKER_02 (45:40):
Well, and each one's though it's got its same process
and procedure, every claim,every incident, like the back
and forth, it's unique.
You go through different things.
That's why we're constantlylearning and seeing different
scenarios from pair side, butthen also the what the customers
are dealing with.

SPEAKER_01 (45:57):
So yeah, and I really want to do honestly a
shout out to the body men andthe painters all across our
community because they areartists.
Oh, yeah.
It's not just about replacing apart.
I mean, they are crafting andmaking these so that your family
is safe in them.
Yeah, we have an incrediblecommunity of those people, so
good job.
Yeah.

SPEAKER_02 (46:15):
Way to go, teams.

SPEAKER_01 (46:16):
Yes.
So again, we're Misty andMelissa.
We're gonna keep it unscripted,unedited, real life.

SPEAKER_02 (46:24):
Thanks for tuning in to the Miles Between Us.
Yeah.
See you next time.

unknown (46:29):
Bye.