Join us on this episode of Drive Radio where we explore car insurance and the concept of diminished value. Burke Payne from BP Appraisals joins the show to dissect how significant weather events, like hail storms, impact vehicle value and insurance claims. He emphasizes the importance of understanding diminished value and why you should think twice before accepting quick insurance settlements via direct deposit. We also delve into practical automotive tips for maintaining vehicle health and optimizing performance. Conversations with callers bring to light common vehicle issues, providing listeners with expert advice on how to handle mechanical challenges. Whether
SPEAKER 04 :
It’s a mighty fancy automobile. Oh, she’s a real road king, all right. Zero to 60 in 7.5. She’ll do a quarter mile, 13.40. 390 horsepower, 500 foot-pounds of torque. Whatever that is. Performance and image, that’s what it’s all about.
SPEAKER 15 :
There’s no such thing as a stupid question. This is Drive Radio. All of your automotive questions are just one phone call away. 303-477-5600. Drive Radio is made possible by the member shops of Colorado Select Auto Care Centers. To find one near you, go to drive-radio.com. Now, Drive Radio on KLZ 560.
SPEAKER 06 :
All right, we are back, Drive Radio, KLZ 560. We are at the Rocky Mountain Car Show and Swap Meet, which Josh Goff just rolled in here, an old flat rate manual from back in the day, which I told him, I said, he didn’t need to buy this. I probably have a bunch of these at home still. What year is this thing? I’ve got to look and see. What year is this? Oh, that’s Nash and DeSoto in it as well. So, anyways, all sorts of cool things up here that you can buy.
SPEAKER 1 :
1948. 1948.
SPEAKER 06 :
So this thing is older than all of us. So anyways, come on up. Say hi. Check out the swap meet as well. I brought Burke Payne back on BP Appraisals just for a moment because we were talking about all of the stuff, Burke, involving Big Hail Storm up in Cheyenne and talking even about some of the dealerships that will have some great deals on cars, which is all great because you’re buying it at a much reduced discount and so on. Got to figure out exactly how your insurance is going to work on all of that because that’s going to be different now because you’re not going to have the same coverage you would normally have. In fact, in that case, even diminished value, things like that, are probably not even going to come into play as much down the road just because you’re already buying it in not a totaled condition, but you’re buying it with some significant damage to begin with. That’s why you’re buying it. So that’s one of those situations where down the road you have a big accident. You’re probably not going to get much diminished value out of that because of the way you’re buying it. Am I right in that?
SPEAKER 03 :
You’re absolutely right. Basically, the diminished value has already been taken off. You already got it on the sale price, right? Absolutely.
SPEAKER 06 :
So for those of you listening, that is one thing as we talk to Burke and go through all of the insurance end of things, diminished value and so on, and you bought a brand-new car, and maybe a year from now it gets totaled. Well, it’s not going to be figured at what a normal car would be because, to Burke’s point, you’ve already got that big upfront discount. Your diminished value is really already factored in on the front side. You’re not going to get that again. Now, all that being said, Burke, there’s a lot of folks listening probably that are up in that area that were involved with some hail damage. They already own the vehicle. They did pay full price on the front side. And depending upon how old that vehicle is, they now have something else on their hands, right? Right.
SPEAKER 03 :
Absolutely. They’re going to have a hail claim, which is going to diminish the value of their vehicle. On top of it, if it’s totaled, they’re probably not going to get what their car is worth.
SPEAKER 06 :
Okay.
SPEAKER 03 :
And that’s where they need to reach out to us. Before they accept that check, don’t let the insurance company say, oh, we’ll auto deposit this into your account.
SPEAKER 06 :
And why is that? Why do you not want to do an auto deposit from your insurance company?
SPEAKER 03 :
Because as soon as they deposit that check into your account, you have finished your claim and there’s no more going back. We had a gentleman recently, 2020 Maxima, or not Maxima, Nissan, sorry. He called me up. He said, hey, I think they’re undervaluing. I looked at the numbers. I’m like, absolutely looks like they’re undervaluing it. He calls me back the next day. He says, they’ve direct deposited the check into my account. What do I do? I’m like, you’re done. You already accepted it.
SPEAKER 06 :
Yep. Done deal. Yeah. So those of you listening, A, get a check from the insurance company. Have them mail it to you, if anything. Don’t do a direct deposit. And typically on a direct deposit, you’ve probably signed something on the front side saying they’ll direct deposit, and you’re, quote, unquote, accepting. It’s a finalization claim, I guess is probably the best way to say that. Somewhere in those fine print is going to say something about, you know, you’re accepting the final payout on said vehicle, blah, blah, blah. By direct deposit, you’re admitting that we’re now done, claim will be closed, no further liability on our part, blah, blah, blah. I’m paraphrasing, but I’m guessing, Burke, all that stuff is probably in there.
SPEAKER 03 :
Absolutely, and that’s the thing. Once they send you that check, it takes a 10-minute phone call to me and me a couple 30 minutes on the computer to see if that claim is a decent offer or whether you’re leaving money on the table. And there’s no sense in not giving me a call. I’ll do it free for you. Just call me up, say, hey, this is what they’re offering me, and I can tell you if the offer that they sent you says CCC1 evaluation, it’s about 20% low across the board.
SPEAKER 06 :
Okay. All right. So, again, for those of you listening, don’t leave money on the table. I can’t stress that enough. And a lot of folks, I’m afraid, Burke, do. They just get to thinking, oh, the car’s fixed. It’s all done. It’s handled. I’ve got my check. I’m good to go. I’m done. Well, no, you’re not. Not really.
SPEAKER 03 :
No, when you go to sell that car, you know, I’ve said it over and over again. If you have the opportunity to buy a car that has no hail damage or one that has been damaged or even if it wasn’t hail, if it was an accident, which one are you going to more than likely buy? You’re going to buy the one that hasn’t had any damage.
SPEAKER 06 :
Me personally, I’m not buying anything with damage. Right?
SPEAKER 03 :
Because that’s me. Or you’re going to pay significantly less for the one with damage.
SPEAKER 06 :
Yeah, I’m still one of those guys where, unfortunately, once an accident, always an accident. So I don’t buy cars that have been wrecked because they’re going to get wrecked again. And I don’t know. And it’s not superstitious. I guess maybe it is. But I just have been in the business for so long. I’ve seen how that works. And they just become wreck magnets. I don’t know why, but they are at the end of the day.
SPEAKER 03 :
I’ve seen the same thing.
SPEAKER 06 :
Yep. They just won after another after another. And it’s almost like that car got bad juju. I don’t know. I don’t know what else to say. It just is what it is.
SPEAKER 03 :
Absolutely. All right.
SPEAKER 06 :
How do they get a hold of you, Burke?
SPEAKER 03 :
Best way to get a hold of us is 720-295-0108 or on Facebook or bpautoappraisals.com.
SPEAKER 06 :
All right. Let’s take Tom before we go to break here from Lakewood. Tom, go ahead.
SPEAKER 08 :
Well, I got a 2003 Silverado. 1500 and it’s got a lot of miles 270 something and a couple of things everyone i just the catalytic converter went on and my guy went out and i put one on it and ever since then that it seems to so when i get below a half a tank and a half a tank on this i think it’s got a 25 gallon tank the engine light comes on so if i fill it back up And within 15 miles, it goes off again. I can’t for the life of me understand why that happens.
SPEAKER 06 :
My gut feeling is… Really quick, do you know what code it’s throwing when the light comes on by chance?
SPEAKER 08 :
No. I know it just comes on and I get it filled up. It goes off in 15 miles.
SPEAKER 06 :
Okay. Okay. My gut feeling is, A, we need to know what the code is, but my gut feeling is right off the top of what you’re describing. It probably has some sort of emissions EVAP system problem, and when you’re at a half a tank, that has to work. Believe it or not, it’s working harder at a half a tank. There’s more fumes in the gas tank. There’s more headroom in the gas tank that it has to work with than when it’s actually full, meaning that if something’s not quite right with the EVAP system, that’s probably where that code is coming from.
SPEAKER 08 :
Okay, and the EVAP system would consist of the sensors and what else?
SPEAKER 06 :
Oh, lots of stuff. There’s everything from sensors to purge valves to the charcoal canister itself to all sorts of lines going back and forth. I mean, it is an intricate system designed to make sure that those fumes don’t evacuate to the atmosphere.
SPEAKER 08 :
Okay. I’ll put a new gas cap on it. The other thing I got is every now and then I get a tappet noise. And I’ve tried that, whatever it is, EPRP or something, and that seemed to help it much. Do you have something else that I can put in an oil change? I’m pretty good with oil changes.
SPEAKER 06 :
No. I hate to say this. If you’ve got a tappet sound coming out of that, and I should have asked, is that a 5.3 or 6.0 liter?
SPEAKER 08 :
It’s a 4.8, which is the same as the 5.3, except a little smaller.
SPEAKER 06 :
A 4.8, okay. Yep, it’s a smaller 5.3. And have you owned it since new?
SPEAKER 08 :
Yeah.
SPEAKER 06 :
Okay, and how often have you changed oil in it?
SPEAKER 08 :
Every 3,000.
SPEAKER 06 :
Okay, that’s good, so every 3,000. And I don’t think I asked, how many miles are on it now, Tom?
SPEAKER 1 :
273.
SPEAKER 08 :
Okay, that…
SPEAKER 06 :
That’s just wear and tear. I hate to say it. It’s time. Most likely you’ve got either a lifter that’s getting a little bit collapsed and or it’s gotten concaved, it’s gotten worn. That lash is not able to be taken up with the lifter itself. That’s where the ticking comes. Does the ticking go away? Is it there forever or does it go away?
SPEAKER 08 :
No, it goes away just every now and then.
SPEAKER 06 :
Okay. It’s most likely the lifter itself. You’ve got one that’s sticking, you know, quote, unquote, at 273. Honestly, I wouldn’t tear it apart. I wouldn’t do anything with it. I would continue to use the EPR. You’re not going to harm anything with the EPR. I would probably do that every oil change right now to see if that doesn’t do anything to continue to help. Outside of that, add some MOA. So do the EPR at the time of the oil change, and then use the BGMOA with the oil when you do your fresh oil change.
SPEAKER 08 :
Okay, we’ll try that. Thank you.
SPEAKER 06 :
Give that a whirl and see what happens. Tom, thanks for the phone call and the questions. I appreciate it very much. We’ll be right back. Myself and we’ve got Kent up in Nova Sterling. If you’ve got a windshield question, by all means, give us a call. Pat Schneidt from Fort Collins with us as well. He’s going to jump back in. He took Burke’s place. And then, of course, we have Justin from Ridgeline and Legacy Automotive up in Boulder, Longmont, and Fort Collins. We’ll come right back. This is Drive Radio, KLZ 560.
SPEAKER 20 :
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SPEAKER 06 :
All right, we are back. Drive Radio, KLZ 560. Thanks for listening today. Again, Justin and Josh from Legacy Automotive Ridgeline up in Boulder. Patch Knight from Alltech Automotive with us. Kent from Novus up in Sterling as well. We have one line coming in, a couple lines open, 303-477-5600. 303-477-5600. Got a text message in, too, that, yeah, there’s a lot of folks up in Wyoming that are
SPEAKER 11 :
uh not happy about all of the different hail and everything that has come through of late and yeah i can only imagine mark and wiggins you’re next go ahead hey good afternoon uh so i’ve uh got this 2015 gmc yukon it’s got the 6.2 liter and uh you know i do the bg epr um you know the uh Mobile one, full synthetic oil, and then MOA. And it’s not cheap to do it myself. So I don’t know how people can do cheap oil changes. But anyway, my question.
SPEAKER 06 :
Well, really quick. Hang on. Hang on. I’m glad you brought that up because I’m going to talk about this today anyway. So you just did a great segue there, Mark. Here’s the answer to cheap oil changes. They can’t. They are cutting corners in so many ways from the price of the filter, quality of the filter, the type of oil. In most cases, they’re not using full synthetic. They’re lucky to even use blended synthetic. They’re just cutting as many corners as they possibly can, finding the cheapest employee they’ve got to do the oil change itself. In some cases, even losing a little bit of money, hoping you’ll buy something else when you’re in there. There’s no way they can do it. There’s no such thing as a proper done oil change that’s cheap. It doesn’t exist in today’s world.
SPEAKER 11 :
I mean, it’s like $110, $120 when I do it myself. And that’s me doing all the getting the parts, doing it. You’re right. you know, getting rid of the wheel.
SPEAKER 06 :
Which, really quick, Mark, for a lot of you listening, where you go in and actually have everything Mark is getting done, and you’re paying $150, and they’re taking care of the disposal and everything else and doing a full once-over of the vehicle, Mark, no offense, that isn’t a bad price when it’s all said and done.
SPEAKER 15 :
Shaper than a motor.
SPEAKER 06 :
Correct. I’d love that.
SPEAKER 11 :
I’d love to be able to pay $150 and not do it, but I don’t have any shops where I live.
SPEAKER 06 :
Well, and again, you brought up something I was going to talk about today anyways because I see so many times on so many different Facebook groups and posts and so on, where can I go get a cheap oil change? First of all, you shouldn’t be asking that because they don’t exist if you’re doing it properly. There’s no such thing. Yes, yes. So thanks for that.
SPEAKER 11 :
Yeah, about the oil. So I’ve been, ever since I bought the vehicle, I’ve done what it says. It says 0W20. So that’s all I’ve used. Now, in the past couple months, I’ve heard you talk a little bit about the newer 6.2s having some sort of issue, and GM’s, I guess, band-aid is go to 0W40. So last night, I was going through some Facebook, it’s like a forum for GMC, you know, certain years, like 2015 to 2020. And some of those people were talking about shifting to 5W-30 and seeming to have better idle and less ticking noises and better pressures and better miles per gallon, actually, some people said. So I wondered, would it be a good idea to go to 5W-30 or should I just stick with 0-20?
SPEAKER 06 :
On your older vehicle with some miles on it, I would probably move to 530. Really, you have no reason to run 020 any longer with the miles you’ve got on it. And for those of you listening that have a 6.2 that have to go through the recall process, I have one that I’m going through. It’s going to get done on Tuesday, actually. And, yes, everything you just said is correct. They’re taking, they’re doing a – now, it’s not just – a Band-Aid. They are going through a test procedure. There’s a special tool each dealer had to have to actually go through and do a test to see if there’s any noise coming out of the engine at all. If there’s not, and it passes everything code-wise as well, they’re changing the cap, going to 040 oil, and off you go. Now, a lot of guys are saying, yeah, you should have been running 040 or even 530 or 540 in that engine to begin with. And rumor has it, I don’t know if this is true or not, but rumor has it that GM made a vendor change on their main and rod bearings somewhere along the line of 2022, saving somewhere around $5 each engine in doing so, and yet the quality of the bearings wasn’t what it should be. Now that’s the claim. I don’t know how true, Mark, any of that is. I can’t. I can’t swear by that. Wouldn’t surprise me because if you think about the millions of engines they build on an annual basis, saving $5 a pop adds up pretty quickly. So, you know, wouldn’t surprise me, but I don’t know that to be true. But, yes, the new 6.2s, they’re going to be going to the 0-40 weight oil. And, frankly, I’m not sure zero is even. I mean, yes, there’s small clearances. lifters, et cetera, that zero in cold weather is probably something that you need to be doing in the summer. Could you get by with a five-weight? I think you could get by with a five-weight all day long, no problem.
SPEAKER 11 :
Are the 2026 engines going to have the same problem?
SPEAKER 06 :
No, the 25s even, they changed things around and I believe figured out they had problems before that. So even if you go out right now and buy a new 2025 with a 6.2, they’ve not had any issues. There’s no recalls on those. So, no, I don’t think you’re going to have any issues there. Got it. Got it. Okay.
SPEAKER 11 :
And I just wanted to put a plug in and a thank you, John. You opened my eyes to something that was not apparent to me as far as how to interact with chat GPT issues. which, you know, like you had stated, don’t use it like a search engine, which is how I was using it. And I’ve started doing shopping with it, and it has really opened my eyes to a benefit of AI that I really was hesitant. But now I feel like it’s my best friend.
SPEAKER 06 :
It works great. I use it all the time. I mean, I find it, and I don’t know if I should say this publicly or not, but for the longest time I used the free version. Once I got to where I capped the usage of that day, I just – Josh is laughing at me because he’s the one that finally got me to buy the subscription. So I finally pay the $20 a month now so I can really use it unlimited. And there’s even some other features you get with the subscription you don’t get with the free version. So for $20 a month, I can’t tell you how many hours a month I save and things I do.
SPEAKER 11 :
I was just thinking about that, too, as well, but you kind of answered the question without me having to ask it, so that’s awesome.
SPEAKER 06 :
Now, another tip, Mark, that I’ve not done yet, I’m learning as we go, as all of you are as well. I heard this from somebody that, and I haven’t tested it myself, I think Josh is starting to do this, so he’s using this in a different way than even I. They tell me now that the best way to use it is talk to it. Don’t type into it. Talk to it and tell it what you want. Then it learns your behaviors from doing so.
SPEAKER 11 :
You mean like, are you talking about like your voice?
SPEAKER 06 :
Yep.
SPEAKER 11 :
Like a microphone versus type? Oh.
SPEAKER 06 :
Yep. So you would say like, hey, chat GPT, build me a shopping list based upon this criteria and just talk to it instead of typing that in.
SPEAKER 11 :
OK, OK. And it is weird, you know, even just the texting, not being fully punctuated or asking a question as if you’re talking to somebody and getting an answer. I mean, within like seconds.
SPEAKER 12 :
Oh, yeah.
SPEAKER 11 :
Such detail as if you just asked John Rush and NASA and the FAA, you know, the engineer buddies. All these questions, and then you get all these answers back in a flood, and it’s so detailed and clear, crisp format. The format is just beautiful. I mean, whoever built this thing is just good.
SPEAKER 06 :
That’s awesome.
SPEAKER 11 :
I’m sure they’re rich guys.
SPEAKER 06 :
And keep in mind, for everybody listening, And it’s like anything else. I say this on air during the week. It’s a tool. Can it be used for good? Can it be used for bad? Yes, it can be used for both. Just like the Internet, just like a car, just like a gun, just like a baseball bat, just like anything else, like a hammer. I mean, literally, you can use it for good. You can use it for bad. AI is going to be very much the same way. And remember, too, Mark, that every single day that all of us in this room or this trailer, I should say, plus you, the more people are using it, it’s learning how to get better every day.
SPEAKER 11 :
Right. We just hope, you know, Skynet doesn’t take over. Just kidding. Yeah.
SPEAKER 06 :
I mean, you know what? When I was a kid, everybody thought barcodes were going to be the end of the world. So, you know what? We survived that somehow.
SPEAKER 11 :
Right. Yeah. And Y2K, we were talking about that the other day. It’s funny where people flipping over, you know, oh, my goodness, the clock’s going to change and everything’s going to shut off. And I laughed when I was in high school, like, yeah, right. And then the next day it showed up and we’re all still here. We’re fine.
SPEAKER 06 :
I was actually on air at that time just on this show, on Drive Radio, and knowing enough about what I knew about cars and what they were saying about Y2K and so on, I predicted even on air at that time that it will be the biggest non-event ever, and I was right.
SPEAKER 11 :
Well, I think sometimes maybe, you know, like your daily show talking about how, you know, people create conspiracies just to get a rise out of people or make money. They do. Maybe that was one of them, you know. So, hey, let’s launch a bunch of IT people out to fix a clock. And we know we really don’t have to, but, hey, we make a bunch of money.
SPEAKER 06 :
What got it for me finally, not to digress, but on Y2K, what finally got me on it’s going to be the biggest nothing burger in the world is when I heard some expert, quote, unquote, talking about how your cars aren’t going to start the next morning. And I’m like, wait, wait, hang on, hang on, hang on. And at that time, I’m still wrenching. I’m still working on cars at that time. I’m like, okay, wait a minute. There is nothing in even a brand-new 1999 car at that time, there is nothing in a 1999 automobile that knows what day of the week or what year It’s in. It had no clue. Now, some of the modern cars today kind of know calendar-wise where it’s at, but even that’s not going to affect its runability on a day-to-day basis. So when that was said, Mark, that’s when my ears really perked up, and I’m like, okay, wait a minute. Hang on, hang on. Are these guys wrong? Because this so-called expert who supposedly knows all this stuff about everything is talking about something on cars that he knows nothing about because he’s 100% incorrect. So I did a deep dive at that time figuring out, wait a minute, this thing is a bunch of hooey. There is so much hype involved in this thing that it’s going to be the biggest nothing burger ever. And I started talking about that on air six months prior to Y2K, and guess what? It was the biggest nothing burger ever.
SPEAKER 11 :
Yeah, that was funny. I remember I was driving an old 79 GMC pickup short box with a four-speed, and I thought, yeah, right, I guess I’ll be the only one driving around.
SPEAKER 06 :
And everybody drove around the next day. No problems whatsoever. Mark, always good talking to you, man. You bet. Appreciate you very much. And just for you guys at Legacy, Mark’s interested in doing some vintage air on one of his older pickup trucks. And I said, yeah, the Legacy can help you with all that. Piece of cake. All right, we’re going to come right back, guys. Don’t go anywhere. Drive Radio, KLZ 560.
SPEAKER 04 :
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SPEAKER 06 :
and uh ridgeline leaving so justin thanks as always i appreciate all your help and wisdom and so on josh taking not taking his place but they’ve been sharing the microphone throughout the day as well patch night from all tech automotive up in fort collins and of course kent from sterling with us as well man we’ve talked about everything today that we can pretty much get into guys including everything involving hail and so on one thing i need to mention that Somebody texted about on the text line is right now up in the Cheyenne area. There are already the roof guys out knocking on doors, even places where the hail didn’t hit. They’re knocking on doors. So the door knockers are out. And believe it or not. There’s even some, I didn’t know this existed, there’s even some mobile guys on the PDR that are going door to door and asking people if they need anything on the car end of things on the PDR up in the Cheyenne area.
SPEAKER 10 :
I believe it.
SPEAKER 06 :
Man alive, that is aggressive. I didn’t know those guys were even doing that. So bottom line, I mean, no one likes hail, but it’s one of those things that happens. I also got this question last week that I thought we could talk about today, and somebody was asking me, I think Soren actually was asking me this, that listens to the show quite a bit. You know, you see those big, like, blow-up covers that go over cars that are supposed to be, you know, they keep a car from being hail damaged. And his thought was, you know, are those going to work even in those heavy hailstorms where you’ve got this, you know, literally like tennis ball-sized hail coming down? And I’ll just be straight up honest, folks. I don’t know. My gut feeling is for a regular hailstorm, I think those things would work well. They would protect the car. They’ve got the ability basically based upon – it’s an app based upon a weather forecast. They know when to blow up and not blow up, so it’s all automated as far as that goes. But my gut feeling is unless it’s a super heavy material, I just don’t see how a tennis ball-sized hail is not going to still rip through that at the end of the day. Now, I don’t know. Maybe I’m wrong because it’s air-filled and maybe it’s going to bounce off like a trampoline.
SPEAKER 10 :
but i’ve seen hail tear up a trampoline so guys i it yeah i would say just depends on the severity of the storm how much hail how much wind and you can tear up a lot of stuff i don’t think though those covers might help with a little bit they’re not going to save everything yeah yeah i i again this is one of those folks where i i don’t know um do you guys have any experience with that at all
SPEAKER 07 :
No.
SPEAKER 06 :
No, I don’t. And I can’t remember. There’s a name for them.
SPEAKER 09 :
It’s almost a bubble. Yeah, it is.
SPEAKER 06 :
It’s like this instant, like it blows up the minute that it knows that it might be hailing. It just inflates is what it basically does.
SPEAKER 10 :
Worst part of the country, that thing is going to blow away before the hail hits.
SPEAKER 06 :
Well, yeah, and I don’t know whether. That’s the one thing, again, I don’t know that much about it. I apologize. For those of you listening, I don’t know that much about that particular device. I don’t own one of those devices because I do my best to just keep things. inside, and then if you’re ever caught outside, I know I’m weird, but I carry some blankets and different things. If I know I’m going to be out and about, I carry moving blankets with me, knowing you can put a moving blanket out. Is it going to protect against a tennis ball-sized Hail, no. But the small stuff, you could throw a moving blanket on top of your car, and it, for the most part, would protect it pretty well. Is it going to take everything out? No, but a lot of the hail, it will take out. But I have a truck, so it’s easy to carry a couple of moving blankets in the back. That’s not a big deal, and that’s just what I do. Around where we live, guys, you just never know. This weather can change. On the plane side, this is for Josh because you’re more on the airplane thing. What do planes do in regards to protecting on that end of things, or do they?
SPEAKER 07 :
I mean, a lot of them have hail damage, especially when you look at older planes in Colorado. There’s hail damage on the wing all the time.
SPEAKER 06 :
So they get damaged just like a car does because it’s aluminum, right?
SPEAKER 07 :
It’s aluminum, yep, and it’s thin aluminum because it’s all lightweight, and you’ll see it all the time. You know, there’s hail damage on most of the – if you walk the line over there, you’ll see most of the older planes have hail damage on the top of their wings and the top of the fuselage, so –
SPEAKER 06 :
That I had no idea. Yeah. Are they all aluminum or is there fiberglass or anything along those lines?
SPEAKER 07 :
There’s fiberglass and there’s composites. So, you know, right there at the end of the line, there’s a Cirrus and that’s mostly composite and fiberglass aircraft. And then next to it is Beechcraft, which is all aluminum. So it all depends on, you know, what year and what they were trying to do with it too.
SPEAKER 06 :
Does it affect the flyability when that happens?
SPEAKER 07 :
In theory, it’s, you know, we always joke we call it laminate flow like the golf ball. Yeah, right. So it becomes laminate flow after that, which it does actually degrade it a little bit, but not enough that you notice. You know, unless it’s, you know, a lot of them will get totaled out if they have severe hail. I had no idea. But most of them have little divots from hailstorms all the time on them.
SPEAKER 06 :
That’s okay. Yeah. learned something today i did not know that but the composite aircraft and the fiberglass ones are the ones that you have to make sure you get inside and look out for because they will destroy the wing they’ll punch holes in it okay that i did not know anyways guys we are live again we’ll be here about another oh 20 minutes or so here uh the rocky mountain car show and swap meet and these guys have had a chance to actually walk around so give us some rundown on some of the stuff that you’ve josh you’ve been out as much as anybody what all’s out there
SPEAKER 07 :
A little bit of everything is out there today, everything from old Model Ts to, you know, cars from the 90s. There’s a Honda Accord from 1990 out there in original shape. I mean, a little bit of whatever your taste is, there’s one of those cars out there today.
SPEAKER 06 :
Somebody sent me an image. I just showed the guys. Okay, that’s baseball size. That hail that somebody just sent in, that is baseball size hail. That one, I don’t know what kind of cover you could put on a car to protect against a baseball size hail. Nothing, nothing.
SPEAKER 09 :
Nope, I don’t think you can either.
SPEAKER 06 :
I mean, that is, guys, that’s huge. I mean, I don’t know that I’ve ever in my life actually seen hail. I mean, I’ve seen images, but I don’t think I’ve ever personally experienced it. I’ve seen it. Yeah, you live in Nebraska. Yeah, we see a lot of that.
SPEAKER 10 :
It’s just another afternoon, evening. I’ve seen it go through a garage roof and damage the car inside with some of that. Oh, wow.
SPEAKER 06 :
You’re kidding me.
SPEAKER 10 :
Yeah, it happens.
SPEAKER 06 :
I had no idea.
SPEAKER 10 :
It’s not good.
SPEAKER 06 :
Somebody also said that don’t forget that AI depends on both data and programming point of view, and those can be extremely unreliable. Yeah, you have to check every single thing that comes in. This person said, I don’t trust it. You know, you may not trust it. I use it daily. There’s all sorts of things that I use it for. I don’t use it for the show. I don’t do research off of it, but I do use it for building all sorts of things. Even with all of my clients and such, I use it for different things that we need to do. It’ll build everything from whatever. I just showed Kent a moment ago. I took the VIN number off of my truck that’s here, which is his old truck. and I just plugged in, you know, please list the part number for the windshield for this particular VIN number vehicle, and it just laid out the OEM part number for it, which you could then go and cross-reference into. any other system you wanted to do and that came up that fast.
SPEAKER 10 :
After cross-reference that into the after market number.
SPEAKER 06 :
Correct, so then you cross-reference that and I could actually, I could probably tell it to do that. That’s good, I like that. So it will do, for those of you even in the business side of things, there’s a lot of tools that it provides to you that right now in some cases you might be paying for or buying separate. that honestly for $20 a month, you might be able to avoid some of the other things you’re actually paying for and not to try to take anything away from some of the other software companies and things that are out there. But this is what AI is going to do. Even in the automotive world and what we’re doing. it is going to consolidate some things and change some things around and give a better idea and communication and so on, even when it comes to you all that are out there where a shop gives you an estimate, for example. It’s going to start becoming a lot more intricate in the information that you’re receiving because a lot of the shops are starting to use ChatGPT to even help build the wording and everything in that estimate so that you as a customer know, oh, that’s what it takes to do that job.
SPEAKER 10 :
It’ll help you with employees. They will be better. It’ll make them more efficient. Some of them aren’t very good, so this would be a good thing to help them with.
SPEAKER 07 :
And, you know, when it comes to worrying about the resources, like ChatGTP will give you where it came up with these ideas. So you can, a lot of times it’ll also give you an article that it pulled information from, too. So you can go and verify that article or verify where it came from and read the original sources and how it came up with, you know, its ideas, if you want to call them that.
SPEAKER 06 :
All right. I’ll tell you what. Let me make sure we don’t have any calls. Nope, we’ve got lines open. Give us a call. We’ve got one more segment coming your way. Again, we’re live at the Rocky Mountain Car Show and Swap Meet. Stop by if you’ve got time. We’re going to be here on air until 1 o’clock. We’ll start kind of closing up and doing some different things after that. The car show itself, I believe, goes until 3 o’clock. Great day, by the way. Oh, until 2 o’clock. So until 2 o’clock today is all. So, guys, come up now as you can. Got about an hour and a half or so left of the show itself. We’ll be right back. This is Drive Radio, KLZ 560.
SPEAKER 20 :
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SPEAKER 19 :
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SPEAKER 06 :
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SPEAKER 07 :
No, they’re not worthwhile at all. Because? Because, well, one, they have you pay a bunch of money into it.
SPEAKER 06 :
It’s a monthly fee.
SPEAKER 07 :
They’re going to charge you monthly. And they’re going to try and deny you pretty much all the time. They’re going to make you fight and fight and fight to get covered on it. And then the repair you get is not a quality repair. They’re always looking for the cheapest shop and the cheapest part.
SPEAKER 06 :
But I see all these ads that Danica Patrick is putting out that, I just got my transmission replaced for blah, blah, blah, blah, blah.
SPEAKER 09 :
By the way, Danica is a race car driver.
SPEAKER 06 :
Yes, I know. I know. But that’s what the person out there listening is saying. They see all these ads and everything, all these celebrities advertising it and so on. Well, it must be pretty good or they wouldn’t be advertising it.
SPEAKER 07 :
Yeah, but it paid for Danica to go to Burning Man. Good point.
SPEAKER 06 :
Good point, Josh.
SPEAKER 07 :
But, yeah, but it’s not – You know, they don’t cover it. So it would just be cheaper for you to go and put money in a jar each month for your car.
SPEAKER 06 :
And do your maintenance.
SPEAKER 07 :
And do your maintenance.
SPEAKER 1 :
100%.
SPEAKER 07 :
And then when it’s time to get it repaired, you have basically a bank account. Or do the right thing and actually get a separate bank account, a separate savings account. That’s a great idea. And get a little bit of interest. And each month you put $100, $150 into it so that when you do need that transmission, you can have a quality shop with a real warranty putting real parts in your car.
SPEAKER 06 :
Okay. Now, when it comes to, I heard you guys talking too, we were off air, we weren’t on air, but even talking about they even limit how much of a per-hour labor rate they’ll even reimburse, and it’s not always what the labor rate in your area is going to be. Is that true as well? That’s very true. I’ve seen that. Meaning you either have to find a shop willing to do a lesser quality repair at a lesser price, or you’re going to pay the difference, right?
SPEAKER 07 :
Most of the time you’re just paying the difference.
SPEAKER 06 :
So then why have it in the first place?
SPEAKER 07 :
Yeah, exactly. Yep.
SPEAKER 06 :
And then, Kent, you were talking about something in regards to the windshield coverage and who’s covering what, when, why, all of that as well. Talk about that.
SPEAKER 10 :
A lot of the dealerships will sell you a glass coverage on your new car, which is a separate policy than what you just paid your insurance company to cover the car with. I see. So now when you get a broken windshield, they do the same type of thing. They want the cheapest shop, the cheapest glass, the cheapest part they can put in that car if it does break. But you’re already covered from your full coverage insurance with whatever company you have. If you have glass coverage. And only one person is going to pay for it. They’re both not going to pay.
SPEAKER 06 :
They’re both not going to pay.
SPEAKER 10 :
And they will short you every dollar they can to do that repair.
SPEAKER 09 :
I mean, as the consumer, that’s the last thing you want is the cheapest part and the cheapest labor. You want the best quality part and the best quality labor.
SPEAKER 10 :
And on a car thing or the windshield, it’s usually they’re selling it to high-end cars. They’re not selling them to the basic Ford or Ford Taurus type car.
SPEAKER 06 :
So your $100,000 Super Duty, you’re now going to get some cheap old windshield for.
SPEAKER 10 :
And that’s the last kind of piece of glass.
SPEAKER 06 :
Did you hear what I just said, by the way? $100,000 Super Duty. There’s people out there listening like, yeah, no, they don’t cost that much. Yeah, they do. Yeah, they do. They’re $100,000 all day long. that’s why we’re putting engines in them for 20 uh yeah yeah for those of you that you know i get people that’ll even text me on you know should i fix such and such or should i just go buy a new one and it’s like okay you understand what a new one costs right so for all of you listening like a new yukon or suburban or the or the f-250s and you know duramaxes and rams and so on those are all and i’m not exaggerating you can try to cheapen them up as much as you can and you might be able to get one below 100 but It’s hard to get any of the vehicles I just mentioned that you’re equipping at all for under $100,000. And, you know, if you’d have told me that you’re going to pay $100,000 for a pickup when I was a kid, I’d have said you’re the biggest fat liar on the planet.
SPEAKER 07 :
You could have bought three houses.
SPEAKER 06 :
I mean, honestly, I would have said you’re the biggest fat liar. There’s no way anybody’s going to pay $100,000 for a pickup truck, but they’re doing it all day long. They do. And, you know, the reality is that’s what it costs if you want to buy a new pickup truck. And for those of you that have used trucks, this is also why we talked to Burke Payne earlier on some of those early Duramaxes, early 7.3s, early 5.9s. That’s why those trucks are bringing anywhere from $20,000 to $30,000, even though they probably barely sold for that new back in the day. They’re now bringing that because its counterpart is $100,000. Exactly. Exactly. You know, I mean, it just is what it is. And for those of you that have those older trucks, on the same token, and I have when I got it from Kent, he was an old farm truck of his. I’ve kind of redone it all. The only thing I haven’t done on this truck really is the paint, but I’ve pretty much done everything else. Paint and engine is about the only two things I haven’t had to do. I’ve gone through and done everything else. There we go.
SPEAKER 03 :
That was a big one. That was a big one.
SPEAKER 06 :
All right. And you can tell we’re also at the airport because you can tell that from just listening. But, you know, point being, those early diesels, if you guys have one of those, hey, don’t give it away. That’s the coolest thing ever, by the way. Don’t give it away. If you’ve got one, find out. Even if you’ve got a call. you know, Josh or Kent or one of our shops and find out, you know, what do you think the value of this is? I may need to do a little bit of work here or there, but those early diesels, if you inherit one or one comes to you via, you know, a father, grandfather, something along those lines, and you end up with one of those, yeah, don’t give that truck away. Don’t let somebody talk you into selling it for a lot less money. Those trucks, if they’re done correctly and they’re nice, And they’re well-equipped, and they’ve been maintained, and the vehicle’s in good condition today. I am not exaggerating. I told you a story of what I sold one of those for. I’m not exaggerating. They will bring, if they’re a nice truck, they’ll bring $25,000 to $30,000 all day long. And, Josh, you’re in that world. You know that.
SPEAKER 07 :
Oh, yeah. They go for crazy money for something that old.
SPEAKER 06 :
And here’s the thing. I don’t see them changing. If anything, they’re going to go up.
SPEAKER 07 :
Am I right? Yeah, especially the stuff without all the modern emissions on it.
SPEAKER 06 :
That’s right.
SPEAKER 07 :
Nobody wants to deal with that.
SPEAKER 06 :
Yeah, this truck I’m driving, you put diesel and go. That’s it. You don’t have to do another thing to it. You put diesel in it, and off you go. You don’t have to do another thing to it because there’s no depth. There’s no nothing. That’s even straight pipe. There’s not even a muffler on it. You just go.
SPEAKER 10 :
Those wheels and tires make it look totally different.
SPEAKER 06 :
It makes it look modern. Doesn’t it? Well, I lifted the front two inches, and we put bigger wheels and tires. It looks good. It doesn’t look like the truck you had at all, but it came out nice. It looks great. And that’s probably a truck that I’m not sure I’ll ever sell. All right, one last call for today. Let’s do this. Jerry in Westminster, go ahead. Hello, Jerry.
SPEAKER 18 :
Yes.
SPEAKER 06 :
What can I do for you?
SPEAKER 18 :
I have an Econ auction. It has a board for the gas fuel tank.
SPEAKER 12 :
Yes.
SPEAKER 18 :
Is this the pressure type? And it keeps opening up. So I don’t know if it’s because of the hot weather or the expansion of air or what’s going on there.
SPEAKER 06 :
So the gas door itself is opening up.
SPEAKER 18 :
Yeah, on occasion you go up there and it will be open. And I don’t know if you can buy a unit that you can lock that or seal it or something. I don’t know.
SPEAKER 09 :
I’ve never heard of this. Have you guys? Not as a problem, but I’m thinking it could be a latch. If there’s a latch that’s failed or if it’s pressure buildup, I can’t imagine that pressure would open that door, but it could be a vent valve that’s also failing. Well, that could be. That’s unlikely.
SPEAKER 18 :
I don’t know how they feel that’s going to show anything. It’s just kind of like I’m… There’s no latch, actually.
SPEAKER 06 :
No, they’ve just got a rubber seal on the top of the neck that seals up against the door. That seals everything like a gas cap normally would have. They’re spring-loaded, typically heavy enough to keep everything closed. I know the one on my truck is very much that way. It doesn’t have any latch or anything. It’s spring-loaded. You open it, you close it. When it’s closed, it’s… And there’s an inside flap as well, so it’s kind of doable.
SPEAKER 18 :
Interesting.
SPEAKER 12 :
Interesting.
SPEAKER 18 :
I don’t know if there’s anybody, maybe a magnetic gadget that will seal it better. That lid is, it could be.
SPEAKER 07 :
metal but a lot of those are composite even a lot of those doors aren’t even metal there’s a little like plastic latch on that i just take a little wd-40 on those you know even back in the day when you had the cable driven ones and spray those and get them lubed up and usually they’ll they’ll lock and and start working again so i would try that first i’ll see what happens on it Yeah, go to the edge that’s not hinged, and you usually see like a little plastic clip right there, and just spray a little WD, because sometimes they’ll get grime and grit in there, and they won’t, you know, just clean it. That’s all you’re doing with the WD is cleaning it up, basically.
SPEAKER 06 :
All right, Jerry. I appreciate that. No, great call. I saw something the other day, too, along the lines of gas I want to throw in here before we leave, and I didn’t know this was a thing, but I guess for certain people with motorcycles, they feel it necessary to, when they go to premium fuel, they actually take the spout. They will pull the lever and squirt out probably a pint of fuel onto the ground, and I guess thinking they’re clearing out any of the other lower-grade fuels in doing that, so they’re now getting more, quote-unquote, pure fuel because motorcycles only carry maybe, what, five gallons? Not even that, maybe three gallons, depending on the crotch rocket, three to five gallons probably is about what they’re carrying, so they feel like they’re getting more poor fuel. Now, side note, you’re an idiot if you do that. I’m sorry to say, you’re an idiot. That little bit that might be in there that’s mixing in with the rest of the 91 octane, even if it was, you know, 85 before and it’s 91 now, that little bit that’s in there isn’t… I doubt you could measure it, and I’m not exaggerating when I say that. For you motorcycle guys that think that’s the right thing to do, you’re utter morons. You’re a… putting things into and i’m not you guys know me i’m not a greenie by any stretch of imagination but you’re doing things that are unnecessary and it’s not helping the environment by doing so and i’ll be the first one to say that that’s got to be one of the stupidest things i’ve ever heard of and seen and in the comments that i read afterwards from other motorcycle riders saying yeah that’s what we all do you’re all idiots i’ll just say it straight up you’re you’re utter morons for doing that And I wish Justin was still here because he’s a motorcycle guy. I guarantee you he doesn’t do that. That’s got to be the dumbest thing I’ve ever heard in my entire life. Why you would do that is beyond me. He’s a motorcycle guy. You motorcycle guys. No, Pat’s one too. But you don’t do that. No, I don’t do that. Have you heard of that, though?
SPEAKER 09 :
I have not. So I’m not a crotch rocket guy. I’m a cruiser guy. But, yeah, I don’t know. I wonder if Justin does that.
SPEAKER 06 :
I mean, that little teeny bit that might still be in there from the last guy. It has to be so minuscule that I don’t see the mentality behind that. So I’m sorry. I didn’t mean to get off on a tangent, but I just watched it the other day in a video, and I just thought, how stupid.
SPEAKER 09 :
Well, you could use octane boost, or you can go to a place that doesn’t have ethanol in the fuel, you know, stuff like that.
SPEAKER 06 :
Sure. Yeah. Pouring it out on the ground, a pint of it out on the ground, has to be the dumbest thing I’ve ever heard or seen in my entire life. All right, with that, we’re going to get things rolling. Josh from Boulder, Longmont, and Fort Collins Legacy and Ridgeline, thanks as always. Thanks for having us.
SPEAKER 01 :
Appreciate you. Always a great show.
SPEAKER 06 :
Patch Knight as well. Happy to be here. Love having you. Appreciate you. And Kent, thanks for coming down. We saw you last year at this show. We’ve got to get you on air more often. I’ve got to do it more often. Yeah, you do. I keep having car shows. I’ll keep showing up. You’re a wealth of wisdom on the windshield end of things. And I’ll say this, too. If you ever have a question on a windshield of any kind, even though you might be down in this area, but Kent’s up in Sterling, by all means, give him a call. So Larry Unger back in the studio. Thanks so much for answering calls today for us. Charlie Grimes as well, our engineer. You guys all have a great rest of your weekend. We’ll see you next week. Drive Radio, KLZ 560.
SPEAKER 15 :
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.
