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In the latest Drive Radio episode, listeners are given an exclusive insight into the world of car repairs and appraisals. A series of expert guests discuss topics ranging from the challenges faced when finding a reliable service center for a Ford Escape, to understanding the nuances of diminished value after an accident. This is essential listening for car owners looking to safeguard their interests and make informed decisions regarding automotive maintenance and insurance claims.
SPEAKER 18 :
Being an expert on general automotive knowledge, what would the correct ignition timing be on a 1955 Bel Air Chevrolet with a 327 cubic inch engine and a four barrel carburetor?
SPEAKER 19 :
It is a trick question. Watch this. Because Chevy didn’t make a 327 in 55. The 327 didn’t come out until 62. And it wasn’t offered in the Bel Air with a four-barrel carb until 64. However, in 1964, the correct ignition timing would be four degrees before top dead center.
SPEAKER 07 :
Get ready for another hour of Drive Radio, brought to you by Colorado Select Auto Care Centers. Got a question for the experts? Then give them a call, 303-477-5600. Now it’s time to pop the hood and get our hands dirty. Drive Radio on KLZ 560, The Source.
SPEAKER 09 :
All right, we are back again. Burke Payne is with us. I’m going to slip a call in really quick so we give Burke plenty of time to talk about diminished value and all of that. So Mike in Highlands Ranch, go ahead, sir.
SPEAKER 10 :
Hi, John. Hey, Mike. Always good to chat with you. My question involves a 2015 Ford Escape SE. Okay. 77,211 miles. It’s down in, it belongs to a dear friend of mine in West Palm Beach who manages a condo down there. And I, you know, after chatting with her about some of the things she was concerned about, I thought I found, I think I found a shop down there that is reliable and ASE, Napa Place, but it’s hard to tell from up here, you know? I don’t have you guys.
SPEAKER 09 :
Right, I agree. I hear you.
SPEAKER 10 :
You know what I’m saying?
SPEAKER 09 :
I hear you.
SPEAKER 10 :
So I got, we, she ended up having, the rear brake pads were gone. Front rotors were worn down, and they only had 20% left. I told her to replace those. She did. And I got a description from them. I asked them to do a vehicle check, you know, like you would with a car you’re buying.
SPEAKER 09 :
Correct.
SPEAKER 10 :
You know, and I said, you know, what’s it going to cost her? They said $150 or something. $200. I said, well, that’s reasonable. I get it. And so I have a readout that they sent me. I tried to talk to them on the phone. I have talked to them on the phone. And I’ve got various computer codes that they said, here’s a PO-171. It’s too lean. Here’s a PO-18C, fuel pressure circuit B. ABSU 3000-48. What I would like to do, I don’t know if Larry’s there or still there, I’d like to take this into one of your shops and say, tell me what this means. Because I’ve listened to you enough that you can plug it in, but if you don’t have the right, how do I put this, John? If you don’t have the right factory code reader, and I’ll get this wrong, so help me out here, just plugging in a code reader doesn’t do you much good. You could get 15 codes, and then you’ve got to sort through those 15 different codes to figure out which one works. Sure. And that’s my understanding.
SPEAKER 05 :
Well, I’m more than happy to talk to you on Monday or something like that because it sounds like there’s quite a few I’d have to do some research on. But I’m more than happy to sit down and talk to you about it.
SPEAKER 10 :
Larry, is this you?
SPEAKER 05 :
No, this is Steve. This is Steve.
SPEAKER 10 :
Oh, hi, Steve. Hi. Yeah, no, I’ll try to get over there with this readout because I’d like to try to help her. She’s an old dear friend.
SPEAKER 09 :
Sure.
SPEAKER 10 :
And I need to understand what they’re saying.
SPEAKER 09 :
Yeah, I agree.
SPEAKER 10 :
um and so i can’t help her very much unless i get oh you’re correct on that no you can’t until you know a little more what you do you get a little well what’s that old saying mike knowledge is everything to get a little bit more knowledge on it it’s hard to you know it’s hard to help well we all love data the better the more you got the better all right well listen thank you you bet ph uh Mr. Horvath, and you’ve done great work for me, so I will stop by there on Monday. and ask your folks to take a look at it.
SPEAKER 05 :
And ask for me. I’ll just bring you back in the office, and we’ll look it up together. You and I will figure it out.
SPEAKER 10 :
Thank you very much. I really appreciate it.
SPEAKER 09 :
You’re the man, Mike. Appreciate you very much. Bye-bye. All right, take care. All right, let’s do this. I’m going to give Burke plenty of time. Let’s take a quick break. We’ll come back, give him a long segment that way. We’ll talk about diminished value. So, guys, hang tight. We’ll be right back. Drive Radio, KLZ 560.
SPEAKER 01 :
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SPEAKER 08 :
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SPEAKER 21 :
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SPEAKER 09 :
All right, we are back. Drive Radio, KLZ 560. Burt Payne joining us now from BP Appraisals. Burt, welcome back. I know you’re on with us at Fix It Radio, but I wanted to do this on Drive Radio because we’ve got a lot of listeners in the car end of things talking about diminished value and things along those lines. So before we get started, for all of you listening, Burt’s a certified appraiser. And, Burke, really quick, talk about that. Again, we’ve had you on Fix-It Radio many, many times in the past. We’ve had you on here once or twice in the past as well, but never probably done it quite this way in this time slot. So people that are listening that maybe aren’t familiar with you, explain what you do, who you are, and so on.
SPEAKER 11 :
So I’m the owner of BP Appraisals. I’m a member of the American Society of Appraisers and, in particular, the Automotive Specialty Group. Which means I go through continuing education throughout the year to stay up to date on what’s current in the market, what’s current with appraisals, that kind of thing. In fact, we’re headed out to D.C. next week for our annual conference. But all of our appraisals, we write our appraisals so that the IRS will accept them. And they’re written under what’s called the Uniform Standard of Professional Appraisal Practice. And you know as well as I do, if the IRS will accept the document, that it’s pretty legit.
SPEAKER 09 :
Agree.
SPEAKER 11 :
Yeah.
SPEAKER 09 :
Agree. OK, so all that being said, for those of you listening, Burke can appraise not only gun collections. He does that. We’ve talked about that on Fix It Radio as well. But on the car sides of things, really, guys, he can help you. And I think a lot of people, Burke, have this misconception that I don’t have an old car. I don’t need Burke. Well, if you’ve had an accident, you may very well need you. Or if you’re looking at even buying a car, being a classic or something along those lines, they still need you. So let’s talk about diminished value.
SPEAKER 11 :
Absolutely. So the quick example of diminished value is if you have car A that has zero accidents and you have car B that has one accident, and everything else is exactly the same, the average person is going to pay more, the value of car A is going to be higher, then carby with the accident, and that’s called diminished value.
SPEAKER 09 :
For everybody listening, really quick, I’ve been watching a few videos on this, and I know our phone listens, Burke, because I’ve had videos that have cropped up after just you and I being texting and doing some things back and forth, so I know it tracks what we’re doing because it’s ironic that I get… some videos on this after you and I start discussing you being on. Anyways, long story short, I watched a few videos here of late. And for those of you listening, especially on some of the higher end vehicles, it’s true with all vehicles. It’s just a difference in percentage. But I was watching a video, Burke, the other day where I think it was a Mercedes dealership and there was somebody looking to trade a particular vehicle in. And the Carfax report showed that it actually had had a some damage done to it and kind of listed what the damage was and so on. In this particular case, because it was a higher-end vehicle, they were hitting this used car trade value at 10K off of what it normally would have been because they knew what that accident would do, proving the point of what you’re talking about.
SPEAKER 11 :
Absolutely. And you also have to look at what parts were used. Were OEM parts used? Were aftermarket parts used? Particularly, like you said, these higher-end vehicles, the Mercedes, the BMWs and that, a lot of the insurance companies will try to put aftermarket parts on the aftermarket fender and that. And it’s not the same quality as an OEM part.
SPEAKER 09 :
No, it is not. And really quick, I’m glad you said that, too, because you just reminded me of something. Those of you listening, please read your policy. Depending upon the age of your vehicle, your policy may very well even inside of it say, if your vehicle is five years or more old, we have the option of using used and or aftermarket parts. And your policy might actually even say that, Burke.
SPEAKER 11 :
Absolutely. It definitely can. You can also purchase a rider that keeps the OEM parts on the older cars.
SPEAKER 09 :
Correct.
SPEAKER 11 :
But that’s an additional expense.
SPEAKER 09 :
Correct. And, again, we’re talking about things, Burke, that, frankly, until somebody’s in an accident, they probably know nothing about any of this because it’s not something that you normally would go into your policy, dig into, and see exactly what it says. But I know from experience, helping people through the show and so on, that that’s exactly how it works. There are certain situations where you get a 10-year-old vehicle, for example. Chances of you getting OEM parts on a 10-year-old vehicle from the insurance company, good luck.
SPEAKER 11 :
Absolutely. Absolutely. It’s definitely difficult. And, you know, the insurance companies, you know, they’re obviously out there to make money. And, you know, as much as your agent, you may think your agent’s your friend, you really got to look at those numbers.
SPEAKER 09 :
Absolutely. Okay. So we talk about diminished value. How do we then get made whole from, in some cases, it might be our own insurance company because we were at fault, could be the other party’s insurance company because they were at fault. Either way, how do we get made whole?
SPEAKER 11 :
So basically what happens is you hire BP appraisals. We come in and we determine how much actual loss has occurred. Not, you know, the insurance company, let’s assume the insurance company is going to take you to a body shop. They’re going to make it whole. They’re going to use OEM parts, all that. There’s still that diminished value. When you go to trade it in to sell it down the road, you’re going to get less because that vehicle has been in an accident. And you are entitled to be made whole, and that’s where the diminished value comes in.
SPEAKER 09 :
Right, right. And that’s where you can come into play and help them, quote-unquote, be made whole, right?
SPEAKER 11 :
Absolutely. And we over-document stuff. My diminished value, my car appraisals, they’re all probably 50 to 60 pages long, and I over-document things. Because I want, when the independent appraiser from the insurance company sees my report, I want them to go, I don’t have anywhere to fight this at. Let’s just go with this number. And, you know, I’m having some really great success. I’ve got, you know, the insurance company’s appraisers calling me up saying, what’s your number? Okay, we’re good with it. We see it. Let’s go. Let’s write the check today.
SPEAKER 09 :
What do you feel, and I know you mentioned this during Fix It Radio, but what do you feel on average? And I know it was a big spread because we can go all the way to that higher-end car. There could be a 10, 15, 20K diminished value, by the way, for some of you listening. Exotics, and you know this, Burke, some of the exotics, and I’m not exaggerating, some exotics could be 50 to 100K in diminished value depending upon how it was wrecked, correct?
SPEAKER 11 :
Absolutely. Because, you know, the guy that’s buying that exotic doesn’t want to wreck the one.
SPEAKER 09 :
That’s right. So my question back to you, on a normal, everyday-type basis with most people driving and so on, on average, what do you feel you’re able to return to people on the diminished value end of things once you’re involved?
SPEAKER 11 :
I would say anywhere between $25,000 and $3,000 on the diminished value side of it.
SPEAKER 09 :
That’s a lot. Yeah, and for those of you listening, folks, that’s worth a phone call to you, Burke.
SPEAKER 11 :
Absolutely, and that’s the one thing. Diminished value, total loss, even your average day, your classic vehicle. I’m going to give you a free look at the numbers. You send me the information that the insurance company is offering you, and I’ll run it through my system real quick and see what kind of numbers we’re talking about. You know, on total losses, you know, I mean, we’re averaging right now about $4,000 extra for each client on the total loss. And that’s quite a bit when you look at trying to buy another car to replace your car.
SPEAKER 09 :
Yeah. To your point, and this is true because some of you listening are thinking, well, I’m not going to sell the car anytime soon. I’m just going to keep it and drive it. So what difference does it make? You still are going to be at a loss. When you sell that car, unless you literally, Burke, just wear it out and get it to the point where it’s an average car like everything else, which, by the way, very, very, very, very few people do, so you’re going to have diminished value when you go to get rid of that car, even if it’s three to five years from now.
SPEAKER 11 :
Absolutely. And the thing is that you’re owed that diminished value. That’s part of your insurance policy is bringing you back home. And, you know, even if you’re keeping it, you know, it’s still worth at least looking at it. and seeing what the numbers look like. And the thing is that my clients really don’t do any of the fighting once they hire me. I take care of everything. I deal with the insurance company’s appraiser. My clients get a phone call from me saying, hey, this is what the insurance company is now offering. I think we can push it up higher, or hey, this is a good number, let’s take it. I give you that information. I won’t make a deal until I’ve got my client saying, yeah, I’m good with that number.
SPEAKER 09 :
Maybe I’m speaking out of turn, Burke, but I am guessing that more often than not, you’re going to be able to come in and say, yep, I see what they’re offering you. I see what we could be getting if we had a little bit of documentation to back up where our diminished value is. Let’s go after that.
SPEAKER 11 :
Absolutely, and that’s where that free consultation comes in, because I look at the numbers, and I’m not going to take, you know, I’ve got enough work on my plate. I’m not going to take, you know, a claim that if I can’t get you more, at least more, well, significantly more than my fee, I’m not taking the case. I’m going to say, hey, you know, they’re $1,000 off. Here’s what you need to tell them, you know, and I’ll give you some pointers to deal with the insurance company. Now, if we’re talking two or three grand, I’m going to say, hey, you know, this is one where we can get you some money out of this.
SPEAKER 09 :
Okay. Question for you. And I think I may already know the answer just because I know how the insurance company ends of things are working. Question for you. Are they getting harder to deal with?
SPEAKER 11 :
Yes and no. And I know that’s a trick question. But some insurance companies, particularly… the at-fault driver’s insurance company have been balking at the appraisal clause. So one of the things when you’re in an accident and you don’t agree with the amount that the insurance company is offering, there’s an appraisal clause in almost all insurance companies. Now there are some, I don’t want to call them fly-by-night, but maybe some lesser established insurance companies who are fighting that appraisal clause and saying that you’re not that the not-at-fault driver is not able to invoke the appraisal clause. But that’s not a deal breaker because then we just go back to our own insurance company and file it as an underinsured motorist claim and go about it that way.
SPEAKER 09 :
Okay. Again, for all of you listening, what we’re really trying to get to here is make sure you’re made whole after these things are done. And, Burke, I’ve been told by even some great friends of mine that, well, I just don’t want to go through the hassle and I don’t want to make waves with the insurance company. I don’t want to be a trouble to them and this, that, and the other. And I’m thinking to myself, Why? This is money owed to you. Why would you not go after it? This is like, you know, buying an expensive refrigerator that quits the next day and not wanting to take it back to get it replaced.
SPEAKER 11 :
A hundred percent. You know, and I tell people this all the time. We pay our insurance companies to do to to make us whole. And that’s their job. You know, that’s why we all pay our monthly, you know, monthly fee or six every six months, whatever it is. That’s why we pay it, because we want to make be made whole. And, you know, one of the big things right now is the insurance companies are using what’s called the CCC1 evaluation. So if you’re in an accident, your insurance company is going to send you what they call a true value estimate of your vehicle. And I can guarantee if it says CCC1 evaluation, you dang well better pick up that phone and call me because they’re leaving money on the table.
SPEAKER 09 :
Okay, good to know. Again, thank you, Burke. I know, as you know, a lot about these things just because of what I do on a regular basis plus what I do here and so on. That’s something I did not know, so thank you for that. And everybody listening, please make sure you paid attention. Make sure you say that one more time, Burke.
SPEAKER 11 :
The CC1 evaluation is notoriously low in value. I mean, I’m looking at my numbers just from this last quarter, and we had one client we got an extra $4,199 for, another one $4,800 extra, another one $9,000 over what the insurance company initially offered. And the thing is that, like I said, my clients, once they hire me, Let me do the work. I take care of it. The insurance company and I, we deal with it. And I’m getting these checks. By the time I get the other, the insurance company’s independent appraiser,
SPEAKER 09 :
report these things are closed out in 72 hours usually so in a lot of ways you’re you’re really like and i hope i i hope i’m saying this correctly burke in a lot of ways as i’ve talked about i’ve talked about uh you know public adjusters on the house end of things a lot on fix it radio over the years in a lot of ways you’re sort of filling in on the car end of things like a public adjuster would on the house end of things
SPEAKER 11 :
Yeah, absolutely. Just keeping everybody honest, I guess, is the best way to look at it.
SPEAKER 09 :
Yep. Great way to say it. Well, Burke, number one, thank you again. I appreciate you taking time twice today. You joined us on Fix It Radio this morning, joining us now. And for those of you listening, too, this applies. Burke can do all sorts of things from those of you that may be inheriting things like gun collections. And by the way, I say collection. It could be two or three different types of pieces that maybe you look at and think, wow, this looks like it’s got some – history to it and so on. Again, Burke, this is one of those things where they could click a few pictures and send it to you and you can make a determination pretty quickly as to, yeah, let’s do an appraisal or let’s not. That thing’s really not worth the iron that it’s using to make the gun with and things along those lines. I mean, the reality is you could tell people exactly what they need to do just off a few pictures, correct?
SPEAKER 11 :
Absolutely. And like I said, I’m not going to charge someone for something that isn’t worth their time and my time.
SPEAKER 09 :
Okay. All right. Well, again, thank you very much. I appreciate, number one, what you’ve done for us, our listeners, all of that. I mean, I get comments from folks that I send to you on an ongoing basis. I know what you do. I know the value that you bring. And you do a great job, and I appreciate it. For those of you listening, Burke’s number, 720-295-0108, 720-295-0108. If you’re driving, you forget that. Go to our website, drive-radio.com. You’ll see Burke, BP Appraisers listed there as well. You can call him and get through to him by using that as well. But, Burke, again, I appreciate it. And for those of you listening, if you have an accident now or you need, you hopefully don’t have any in the future, but things happen, Burke. That’s why they’re called accidents, because we don’t plan on them. Now, one last question before I let you go. Is there a time frame? Let’s say somebody had an accident, I don’t know, two months ago. Things have kind of been settled. Can they go back and do diminished value, or is there a time period where they can’t?
SPEAKER 11 :
usually we can’t do a diminished value once they’ve signed the check and said, okay, I’m accepting this as the final payment.
SPEAKER 09 :
Okay.
SPEAKER 11 :
Unless it’s a third-party accident where we need to go back and actually either sue the at-fault driver or sue the at-fault insurance company. Okay, gotcha. But we’ve also handled cases, you know, we recently did an accident that occurred in October of 2024. Wow. And… Yeah, this lady, the insurance company was stonewalling her, not wanting to give her what her vehicle was worth. And in fact, we got her over $9,500 more than what the insurance company’s initial offer was. And the thing is that she hired us. And I don’t remember the exact date, but it was the 1st of April, and we had it done by the 15th of April.
SPEAKER 09 :
Nice. Nice.
SPEAKER 11 :
And after October of 24, that was a long time ago. And she’d been fighting. She’d been trying to do it on her own. And it’s tough. We’re all trying to run our lives and everything else. And you can’t follow up with the insurance company all the time. And a lot of times we don’t know what to say. to the insurance company. We don’t know about the appraisal clause, and that’s why, like you said, if you’ve been in an accident, give me a call. At least let me look at the numbers for you. I’ll do it free of charge. If I can get you more, then we’ll make a deal and we’ll go from there. But if not, I’m going to steer you in the right direction.
SPEAKER 09 :
Again, Burke, thank you. You’re awesome. Appreciate all you’ve done for our listeners. We’ll keep sending you folks.
SPEAKER 11 :
All right. Sounds great.
SPEAKER 09 :
Thanks, man. Appreciate you very much. Have a great rest of your day. Jeff in Montana, hang tight. We’ll come right back to you. Drive Radio, KLZ 560.
SPEAKER 13 :
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SPEAKER 09 :
All right, we are back. Drive Radio KLZ 560. Myself, Steve Horvath, Geno’s Auto Service, and Jeff from Montana. What’s going on, sir?
SPEAKER 14 :
Hey, I wanted to ask a question, but I wondered if there was a difference between insurance companies. I’ve been with USAA for decades. I know some insurance companies are better than others at giving people a good value. And also another question is whether he is. just works in Colorado or for other states as well.
SPEAKER 09 :
And we talked about that during Fix It Radio, and for all of you listening, if you’ve got friends, family, anyone like that that’s out of state when it comes to diminished value things, he by all means can help do those things out of state. When it comes to appraising the classic cars and so on, he wants to put his eyes and fingers and so on on that car, so that’s something where you’d have to have the car available. But the diminished value end of it, Jeff, yeah, he can do that nationwide, absolutely.
SPEAKER 14 :
Okay. And I sent you a text about what you were talking on Fix-It Radio about insurance, third-party driving your vehicle. And I asked you a question whether it applied in Colorado or nationwide. And you said, yes, it does. And I didn’t understand the answer.
SPEAKER 09 :
Nationwide. Yeah, that’s one of those things where on the insurance company end of things, unless there is a state that I don’t know of, the policy goes with the car, not with the driver. And I don’t think that changes from state to state that I know of, Jeff. Now, maybe I’m wrong. I know in Canada it’s a little bit different. Somebody is listening up there. I know you’re going to say, well, no, up here it goes by the driver. Well, that’s not the case down here. As far as I know, Jeff, you’re insuring the car. There are in some cases even some, you know. This is where it gets into, you know, teen drivers and things like that where you better make sure you’ve got your ducks in a row because there can be even exclusions to where if, for example, and this is for all of you listening, by the way, for example, you’ve got a family member that has a blow and go. So, you know, one of the DUI devices. And you’ve got a family member that has a blow and go. If that person gets in your car and drives, number one, they’re illegal driving it. They’re not allowed to. But second of all, you may actually not be insured with them driving the car because of the fact they’re supposed to have a blow-and-go. They’ll look to get out of that.
SPEAKER 05 :
Oh, that’s right.
SPEAKER 09 :
That insurance company will look to everything they can to get out of that claim. My point with all that, Jeff, is a lot of people just think willy-nilly, oh yeah, go drive my car, it’s insured, it’s no problem. Well, yeah, the car is, but who is that driver? Do they have a valid driver’s license? What’s their age? On and on we go. I think far too many people just think, oh, I’m insured, go drive my car. It’s not that simple.
SPEAKER 14 :
Yeah, that would have been good to know, because I was driving my car for several months, and she had her insurance. I didn’t realize that she was… My insurance was really covering her as well.
SPEAKER 09 :
Yeah, well, in that case, your insurance is only covering her. That’s the misconception. A lot of people think, well, I’ve got insurance. I’m the driver. I’ll be good. Yeah, unless you’ve bought something very specific that would insure you in that particular case, that’s generally not the case.
SPEAKER 14 :
Okay, well, I appreciate it again, gents.
SPEAKER 09 :
You’re very welcome, Jeff. Great questions, by the way. And I think there’s a lot of folks out there that have either misconceptions on insurance or something’s been passed down through the years from maybe even generation to generation, and they just think that, well, that’s the way it used to be, so it’s the way it is today. And Steve knows this as well as I. This is nothing against insurance companies. They’re there. They serve a purpose. They’re trying to make money. A lot of the insurance companies are in the Fortune 500 or even Fortune 100 in the country, meaning they’re making a boatload of money. They do their very best to keep claims minimized. Trust me in this. I will tell you straight up, if they can find the way out of a claim, Believe you me, they will find their way out. And I’m not talking bad about insurance companies, folks. This is just the way it is. It’s business. Exactly. So if they’ve got a way out, you, for example, have a policy and there are certain people in your family that aren’t allowed to drive that vehicle, but all of a sudden they do, be very careful because they’re liable to just tell you you’re not insured.
SPEAKER 05 :
Sure. I think it’s actually a good idea. If you’re going to loan a car to somebody or you’re going to let somebody borrow it, let your insurance company know.
SPEAKER 09 :
Put them on your insurance? I would at least make a phone call and say, hey, I’ve got a family member coming to town. I was thinking of loaning them my vehicle. Am I going to be okay in doing so? Are they covered? You know, so on and so forth. You know, call your agent. Ask a few questions. You’re better off doing that on the front side than you are trying to figure out things if there’s an accident on the back side. And that’s why we use… you know insurance agents that we have relationships with not online back again yeah back to that again yeah back to paul and folks like that you know you you want to call somebody on the phone and say hey this is where i’m at this is what potentially is going to be happening am i going to be okay you know we as owners you know steve i and others you guys that are business owners we do this all the time there will be things that come up where we’re like okay If we do X, Y, Z, are we going to be covered in doing it? And by the way, sometimes we’ve encountered this. Sometimes what the insurance company will do is they’ll come back and say, well, technically, yes, but if it were me, I wouldn’t do that. Now, what that tells me is, I guess if I wanted to push hard enough, I can get that claim covered. But what they’re really telling me is that’s not a great idea. I probably would do something different. If your agent is telling you, I would do something different, I would do something different.
SPEAKER 05 :
Well, you know, it reminded me when you said this stuff. The first thing I do when I hire somebody is send my insurance company their driver’s license.
SPEAKER 09 :
Run their record. That’s right.
SPEAKER 05 :
Yeah, run their record. Can they be insured? Because there’s times they’ll come back and they’ll say, no, you can’t have them driving customers’ cars. And, you know, there’s a reason for that, obviously. Right. You’re exposed now.
SPEAKER 09 :
That’s right. Question came in. We can answer this really quick, too. Does BGMOA sort of give regular motor oil high mileage oil properties like seal conditioners and so on? Not really. What MOA is doing is it’s adding some additional additives and things to the existing oil, making it last longer longer. I could get into all of the details, which would bore a lot of you, but the reality is it’s an ad pack on top of what you already got with the oil you’re putting in. Is there maybe a little bit of seal conditioner and so on in it? Potentially, but is it going to fix an oil leak? No. No, not that I’ve ever experienced. I’ve never poured a can of MOA into anything and had it seal up an oil leak. Have you? No, no.
SPEAKER 05 :
Maybe the RF7 might help, but I don’t know. That’s a different product. Yeah, that’s a different product within PG.
SPEAKER 09 :
Yeah, to me, I’ve… Now, what I will say is using MOA on a regular basis will keep those seals from getting hard and brittle and so on, and that’s one of the reasons why you’d want to use it. So that’s the plus side to that. But no, the MOA doesn’t technically change, nor will they advertise that it’s taking your current oil and making it some sort of a high-mileage oil, things along those lines. If you’re on a 4,000-mile oil interval and you’re using MOA, you’re still changing oil at 4,000 miles. You’re not able to up that to 5,000, 6,000, 7,000 miles. That’s not the idea behind MOA. I just want to make sure that I’m clear on that. Mark and Wiggins, go ahead, sir.
SPEAKER 12 :
Hey, good morning. I just heard you guys talking about drivers as far as letting somebody drive your vehicle, and that brought up a question. Is there a way without like calling law enforcement to verify a driver’s license?
SPEAKER 09 :
I’m not following you. Say that again, Mark.
SPEAKER 12 :
So say you have a family member that says, hey, can I borrow a vehicle? And you’re like, oh, yeah, you’re my brother or whatever, but you don’t know that maybe their license is suspended.
SPEAKER 09 :
Your agent could tell you. You could take their license, take a copy of it, send it in to your agent. They’ll send it through their system and tell you whether or not that is a good license or not. There’s no other way to do it besides that. Oh, I had no idea you could do that. Absolutely they will.
SPEAKER 12 :
That’s awesome. I’m so glad I called.
SPEAKER 09 :
And you know what? That’s a great question. I don’t think we’ve ever covered that before, Mark. These types of questions, I don’t think we’ve ever covered. So that’s a great question. A lot of folks don’t realize that, yes, you can call your insurance company and say, listen, I want you to run a DMV report. You know, I want you to run a check. On this particular driver, I’ve got a neighbor, for example, that would like to borrow my truck to go get a load of lumber from, you know, Home Depot or whatever the case may be. Are they okay to drive my truck? Here’s their license and so on. I would verify. If you’re even thinking about doing something along those lines, I would verify that.
SPEAKER 12 :
I have never heard of that.
SPEAKER 09 :
We do it in the business world, Mark, constantly.
SPEAKER 12 :
I really don’t let people drive my cars at all. Like me, my wife, that’s it.
SPEAKER 09 :
Yeah. Well, and again, it’s one of those things, Mark, and this is where, you know, we’re just trying to help people because it’s always that, well, I really wasn’t thinking about it. We just let them drive it, and it was, you know, kind of this on a whim thing, and nobody really thought through it. It’s the unplanned things that always come back to bite you.
SPEAKER 12 :
Right. Yeah, I know people that don’t always think about liability, and that can bite you in a big way. You know, I’m glad I listened to the show because years ago, I didn’t even know what an umbrella policy was. And then you guys started talking about that, and I was like, oh, what’s that? I should get one. Okay. And so now I have that umbrella policy, which is like a million dollars in case I do something goofy above and beyond the regular insurance, but I’m covered, and it’s cheap. I think it was like $30, $40. It’s not that expensive.
SPEAKER 05 :
It’s well worth it. It’s very well worth it. I’ve had many people I’ve known that have used that umbrella policy. It’s saved them a lot.
SPEAKER 09 :
Not only just heartache and everything. And you know what’s funny? Most of the time when you’ve got one, you rarely ever use it because you have it.
SPEAKER 12 :
Yeah.
SPEAKER 09 :
That’s why it’s called an umbrella policy.
SPEAKER 12 :
When we lived in Greeley years ago, I had this hunch. God was telling me, you need to get some flood insurance. I’m like, why would we need it? We’ve never had a flood. We’ve lived here for years. I watch the weather. I pay attention. It’s never been an issue. But I felt like the Lord was saying, you need to this year get flood insurance. And so I called. I got insurance through the FEMA process, and there’s a cooling period, which was like 60 or 90 days or something like that. No kidding, that spring is when we had those massive floods, and it came within a half a mile of our house.
SPEAKER 09 :
Yep, you called that one right.
SPEAKER 12 :
And I didn’t need it. And I was like, I’m so glad I didn’t need that.
SPEAKER 09 :
Yep. Great idea. Good story, Mark. Good story.
SPEAKER 12 :
Two stories. One is about the question of the day, which which I want to stay for the last part. But yesterday I called in about cell phone. Yes. Being able to text on, you know, to be able to get text messages through Android.
SPEAKER 09 :
If your phone is damaged, how do you handle things? Was our question yesterday on Ready Radio.
SPEAKER 12 :
So my screen had broke. My dog had decided it was a chew toy. And, you know, you could still kind of see the screen, but you couldn’t answer any calls. Like if the phone rang, you couldn’t answer it. You couldn’t swipe to text or anything. So it was kind of inoperative. And it was really frustrating. And I thought, well, okay, well, I need to check banks and do some banking. Well, I couldn’t do any two-step verification because you have to be able to answer the phone or receive a text message. So that made me feel really vulnerable. So yesterday, after talking to you, I figured it out. So on Android, if you have an Android and you go into Settings, And what made me think about this is when you brought up the IME code.
SPEAKER 09 :
IME, yeah.
SPEAKER 12 :
Yeah, I never thought to maybe jot that down in my journal. So I thought, let’s go find that. Well, in the process of doing that, I found the answer. So in Settings, there’s a tab called Connections.
SPEAKER 15 :
Okay.
SPEAKER 12 :
Under Connections… I scrolled all the way to the very bottom, and it’s not like a normal tab. It almost looks like it says, are you looking for something else? And it says Samsung Cloud, secure Wi-Fi, and then it says link to Windows. And I was like, oh, what’s that? So I just started going through these things, and I clicked on link to Windows. And so then it puts you through a prompt that you need to link an account to your phone. And it prompted me to go to, I want to say it was like Microsoft. And I didn’t have, I don’t have a Hotmail account. So I thought, well, I will try my Gmail and see if it’ll work. And then, you know, if it asks for my password, we’ll go through that. Well, I punched in my Gmail and instead of asking for a password, it sent a code to my Gmail saying, that you punch in, and you verify that process through that code. And then it says, okay, now you can link your computer. Add computer under link to Windows. So it says link account. I had my email, so I clicked on that. Then it says, okay, add computer. And then you kind of do – it’s almost like a seven – you know, seven step process, but then, you know, you can do that process by, by linking the computer and then a window pops up, you know, it said, go to, Oh, I remember it said, go to a specific website. And then that website gave me another code to do another verification. And once I did that, then a window popped open that basically had, it was almost like a user interface of my phone. Nice. Where it had email.
SPEAKER 09 :
Nice. Good job, Mark.
SPEAKER 12 :
It even said, like, you know, my battery level, whether my Wi-Fi was connected. And I’m like, no way. I figured it out. Like, I’ve gone through YouTube. I’ve been looking for months how to figure this out since then because this has happened twice. This is not new. And I thought, well, I’m going to send John a text through my computer. And so I did, you know, last night, which I think you got later. But that’s how I did it.
SPEAKER 09 :
Awesome. Mark, I’ve got to run to break, but good story. No, thank you for that. And you might want to remind us of that on Ready Radio again this coming Friday so we can chat about that again.
SPEAKER 12 :
Oh, well, I had one more comment. Okay, hang on.
SPEAKER 09 :
Let me put you on hold then because we’re running out of time here really quick. Let me put you back on hold. We’ll come back here in a moment. Don’t go anywhere. Drive Radio KLZ 560.
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SPEAKER 12 :
A comment about the question of the day. The most enjoyment I’ve had in a vehicle. So there’s two of those. One would have been a WRX STI. And I am not going to tell you what the top speed I got on that thing is because I just don’t want to get myself in trouble, which probably isn’t going to happen. But the second one was when I was in high school, I had a friend who lived in Glenwood Springs. And his dad had brought him a, I think it was a 1976 or 1978 Datsun 280Z silver with a manual transmission, and it was cherry. I mean, clean. Mm-hmm. You know, paint was pristine. And I didn’t even realize that they had fuel injection back then, but this thing did. And it ran good, but he was not a mechanically inclined person at all. I mean, he didn’t even know how to check oil in his own vehicles, which was kind of embarrassing. You know, like, hey, man, you got to be able to check the oil. But anyway, I digress on that. So I said, hey, how about in exchange… I helped fix this vehicle up because I think we had to work on the brakes. And it was a hydraulic clutch system for the, was it like a slave cylinder? And so we got all that fixed up and running great. And he was like, you know, at the time, I had a 79 GMC short bed, which unfortunately I crashed in a snowstorm going through Climax Mine. I was visiting my sister with bald tires, and I learned my lesson. I got a job at Big O in Napa, and I learned about tires and parts anyway. So I got this little Geo Metro, and I am a big guy. and this car is, like, tiny. So I got made fun of a lot. Like, what are you doing, you know, a huge guy driving this tiny car? And I said, well, the thing gets, like, $50 a gallon, and with gas at $0.80, you know, I could go forever, you know, with some change out of the couch. But anyway, so he wanted to take a trip out to visit some colleges, I think in, like, Oklahoma or something. So he said, can I borrow your GeoMetro? in exchange for driving the 280Z. And I said, yeah, of course I would. And so I got to power that thing through Glenwood Springs and then take it peak to peak highway. And I was like, man, if there’s a sports car to have, it’s one of those. And I got on forums later in life and found that guys were actually ripping the six-cylinder out and throwing Chevy 350s in these things. And they said it like as if it was made to go in there, like hardly an adapter needed.
SPEAKER 09 :
That was a common thing back then, yes.
SPEAKER 12 :
So that was my comment. It was a really good ride.
SPEAKER 09 :
Very cool.
SPEAKER 12 :
Really good ride.
SPEAKER 09 :
Well, Mark, I appreciate you. Have a great rest of your day. Let’s do this. We’ll go to the top of the hour break. Howard and Bob will give you plenty of time when we come back. We have one line open, 303-477-5600. Don’t forget, you can send us a text message as well, 307-282-22307. Again, Steve Horvath from Geno’s Auto Service with me today. Larry Unger answering phones. Charlie Grimes, of course, our engineer. We’ll be right back, guys. Don’t go anywhere. Drive Radio, KLZ 560.
SPEAKER 16 :
Still haven’t had enough? Go to drive-radio.com, email your questions and comments, download previous programs, and find lots of useful information, including your nearest Colorado Select Auto Care Center. That’s drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
