In this episode, Drive Radio navigates the often confusing world of insurance and medical costs in the event of a car accident. With insights from seasoned professionals, we discuss the strategies to safeguard your wealth and the importance of having appropriate coverage. Also, hear true stories that emphasize the real-world consequences of inadequate insurance.
SPEAKER 14 :
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SPEAKER 05 :
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 21 :
And we are back, Drive Radio, KLZ 560. Again, Paul Lumber with us today, our insurance expert, my agent as well, Justin and Josh from Ridgeline Auto Brokers and Legacy Automotive up in Boulder, Fort Collins, and now Longmont as well. So if you need a car fixed in Longmont, we’ve got you covered there. And then, of course, Steve from Geno’s down in the Centennial area. So we’ve kind of got the whole front range today covered as far as the west side of town is concerned. Larry Unger answering phones. Charlie Grimes, of course, our engineer. This is a question for Paul. So he said, after the noon break, I don’t think I’ve ever seen this asked before, but what happens when there’s an auto wreck and all the people involved are over 65 and they all have to go to the hospital through an ambulance and they all have serious injuries? Does the insurance company pay the hospital for the medical services or does the insurance company pay for it? In other words, their own health insurance, does it pay for it? How does that work?
SPEAKER 07 :
Well, usually they’ll get started with their own health insurance and then they kind of… They subrogate it, typically.
SPEAKER 21 :
They’re going to go find how can we get this claim lowered by going to the insurance company.
SPEAKER 07 :
They’ll start with their medical and then they’ll have to kind of figure out who caused what. Was it, you know… Who caused the accident.
SPEAKER 21 :
Yeah. Okay, so then he goes on to say, and this could be a she, I don’t know, this person goes on to say, other questions, since we have our own state limits in the medical cost and it can be astronomical, what does Paul have for amounts on your own policy or for someone that’s been financially successful that would be in that $3 million total asset range, what would you recommend they have when it comes to their auto policies?
SPEAKER 07 :
Well, you’d want to have at least $250,000, $500,000, but then you want to have that $5 million umbrella.
SPEAKER 21 :
To make sure you’re covered no matter what. Yeah, so you’ve got two. So in that case, there’s five 66-plus-year-old individuals that are now lame in the hospital. You’ve got enough to cover all that.
SPEAKER 07 :
Yeah, because you’ve got $250, $500 on your bodily injury on your automobile policy. Then you’ve got your $5 million umbrella that picks up the pieces after that.
SPEAKER 21 :
Okay. So for the, if you’re still listening, please let me know you heard that. And I would, I’m not Paul, but I would tell you that just in the past, all of us as owners, myself, Steve, and Josh, I can tell you right now, we all three have umbrella policies, either personally or on the business or both, because you have to have it given what we do. And I’ve got it on both. So these guys do as well. So they’re not terribly expensive.
SPEAKER 11 :
No, no, no.
SPEAKER 21 :
Yeah. What is an umbrella policy? How does that work, Paul?
SPEAKER 07 :
So it gives you that overall coverage. So you’ve got, you know, for a $5 million umbrella, you’re paying an extra $2,500 a year, and you’ve got coverage on your home and your auto. So if your coverage is met on your home and your auto for your first line of coverage, then that umbrella picks up for the rest. So if you’re in an auto accident and you’ve got $250,000 worth of coverage, once you get that $251,000, then your umbrella picks up.
SPEAKER 21 :
And what I’ve learned over the years, folks, and maybe I look at this the wrong way, but it just worked for me this way. You know, there’s all sorts of lawyers that will tell you, well, you know, if you’ve got your corporate structure correctly and you’re doing this right and you’re doing that right, you know, they can’t pierce your veil and you don’t need to worry about it and put your house in an LLC and blah, blah, blah, blah, blah. No, folks, here’s the real answer. And believe me when I say this, because I would argue with those folks all day long. Here’s what it really comes down to. How much insurance do you have? Because at the end of the day, the ambulance chaser attorney that’s on the other side, that’s what they’re looking at, and that’s what they’re going to come after. And here’s the reality. If you have enough that’s going to make the other side whole or at least halfway whole, guess what? They’re not doing anything else anyways because they’re going after the easy, quick money, and they know that trying to go after your corporation, pierce the veil, and do this and do that costs all sorts of money. And by the way, they could still do that if they wanted to because it’s not that hard to do no matter how well you keep all of your books because the reality is if they find you’re at fault, they’re going to find you at fault, and they’re going to come after you no matter what anyway. So at the end of the day, just have enough insurance. to cover yourself, and most of those things aren’t going to happen in the first place. That’s my rule of thumb. You guys, anybody here agree or disagree with that?
SPEAKER 07 :
I agree, and it’s the insurance company, it’s their lawyers protecting their assets and in return protecting you, so you’re not the one taking time away from work.
SPEAKER 21 :
You’re not hiring an attorney, they’re doing it for you. Correct.
SPEAKER 12 :
Josh? Yeah, I mean, look at Purdue Pharma. Those people were billionaires with quite the corporate veil, and it got pierced.
SPEAKER 21 :
Still got pierced, right? Yeah. Thank you for saying that, Josh. If you talk about anybody that… had their ducks in a row it would be somebody like them and they still pierced it so here’s again i see people on social media lawyers etc and they’ll tell you to do this and put your house into trust and do this this way and that that way folks again i hate to say it at the end of the day none of that matters literally now you may want to do some of that to protect your identity and do some other creative things and do some things estate planning wise and so on that’s a different topic and that’s fine if that’s what you’re going after but if you’re doing it to try to protect yourself and somehow lower your overall insurance costs You’re a knucklehead. Just buy the right insurance on the front side, and yes, it’s expensive, but you’re better off doing that and protecting yourself than you are to leave yourself exposed. I have no other way to say it besides that.
SPEAKER 07 :
Lower your costs by raising your deductibles.
SPEAKER 21 :
Self-insure some things.
SPEAKER 07 :
And then offset that with having the right coverage.
SPEAKER 21 :
Okay, so he said, this same person said, I understand what Paul said. The point you missed out on, though, is all those guys being 65 years old, does Medicare pay for part of the medical costs? I can already tell you how Medicare works that. knowing a little bit about that from now having my dad in memory care and some things along those lines. Here’s what Medicare does as well. They’re just like any of the other insurance companies, only probably tougher. And I’m not exaggerating when I say this. If Medicare thinks for one second… They can get reimbursed by the auto policies. They’re going there. Trust me when I say that. Medicare, Medicaid both will go after whatever they can to supplement their costs. In fact, they’re probably worse than what somebody’s health insurance company would be, and I’m not exaggerating when I say that. Medicare, Medicaid, it’s government, folks. They’re not dinking around. Yeah, I know it’s discombobulated, and I know there’s a lot of things that even Doge is going through right now to try to figure out where the overbillings are and this, that, and the other. But when it comes to this particular topic, oh, yeah, they’re going to come after whatever you had as far as insurance goes. Trust me on that. For example. If you think for a second that you’re going to hide all of your assets before you go to the nursing home so that Medicaid will then pick up your nursing home costs, they go back 10 years on records to determine where were your assets, where did they go, who now has them. And if you didn’t get all that done correctly and have it done prior to that 10-year mark, those things are going to get sold or those heirs are paying, and you’re not going to get Medicaid until that stuff is taken care of. Trust me, they’ve got this figured out, and when it comes to even the accident side of the aisle, they’ve got that figured out as well. So I hope I answered that correctly, and it’s a little bit even outside of what Paul was saying there, but no, believe me, they are going to try to subrogate any way they can, and it doesn’t matter if it’s an individual, you know, UnitedHealthcare, or if it’s Medicare, Medicaid, they are going to come after you for that difference, and whatever that is, they’re going to pull it out of the insurance company. And by the way… If you’re a high net worth individual with state minimums trying to save money, yes, they’re going to come after your personal assets as well. That one I can guarantee you as well. So don’t try to minimize this by thinking that, oh, I’ll just have some of the minimums and I’ll handle some of this other stuff on my own. If you’re a high net worth individual, you better make sure you’ve got insurance because you’ve got exposure. Am I right, Paul?
SPEAKER 07 :
Oh, you’re right. I always think about the guy in Wyoming.
SPEAKER 21 :
Yeah, okay, so we come back. That’s a story we haven’t shared for a while now that gets brought up from time to time. We’re going to share a story as soon as we come back that’s a true story. Hang tight. Paul will share that here in a minute. Don’t go anywhere. Drive Radio, KLZ 560.
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SPEAKER 21 :
We’ve got a car review on a Toyota Tacoma, by the way, a new one that we drove recently that we’ll do as soon as Paul’s done with this story. This story takes a little bit of time. And some of you, by the way, have even called it in the past and have remembered this story and have changed even some of your own insurance around accordingly. So, Paul, go ahead and share your story.
SPEAKER 07 :
If I remember right, wasn’t it the guy in Wyoming co-signed for his stepson? Yeah.
SPEAKER 21 :
Actually, yeah, it was either co-signed or the stepson was just driving granddad’s car.
SPEAKER 07 :
I think he co-signed on his grandson’s car and his grandson was driving state minimums and then ended up killing somebody in the car accident. And then they went after grandpa.
SPEAKER 21 :
Because he was a part of it at that point.
SPEAKER 07 :
Part owner of the car.
SPEAKER 21 :
And grandpa didn’t have enough insurance either.
SPEAKER 07 :
Well, grandson had state minimums and took grandpa for everything.
SPEAKER 21 :
Grandpa paid for that, literally. Went broke. Went broke over it.
SPEAKER 07 :
Because he co-signed on that car.
SPEAKER 21 :
One accident. It’s why a lot of you, by the way, that have young kids that are driving, new drivers, you need to make sure you’re very covered very well. And don’t co-sign. And if you’ve got businesses and things like that, you need to make sure you’re keeping all of that straight so that you don’t have the exposure that you would have otherwise. It’s super important. And I’m always reminded by that story that Paul says. Steve, let’s get you in before the break. Go ahead.
SPEAKER 09 :
Hey, how are you doing, guys? Good, Steve. Hey, I’m questioning service on an automatic transmission. I took it into the dealer. It’s a 2021 Chevy Silverado with the Duramax 10-speed. I wanted the oil change in the transfer case, both axles and the transmission. They did the deal where they totally flushed the transmission, but they didn’t put a filter in. That’s an extra service or a different service. So my question is, do I need to drop the pan and get a filter in there? Because they use a BG cleaner, and they remove all that. So I’m just curious about your recommendations there.
SPEAKER 21 :
I’m really confused as to why they didn’t put a spin-on filter in there. on it which does the does the new 10 speeds josh have a spin on i’m i don’t remember i don’t think it does i think you got to drop the paint you got to draw okay because because it’s again it’s not a real allison the allison’s had an actual spin on filter on them and they went to that in 2020 so your 2021 has the new 10 speed that’s actually a an allison approved or or you know you how should i say it uh marketed is a better way to say it it’s an approved transmission but it was built between ford and gm and so that one’s internal and so so they did just basically a fluid transfer on that one correct that’s fine yes there’d be nothing wrong with that how many miles i should have asked that uh right at 50 yeah you’re fine you don’t need anything else
SPEAKER 09 :
Okay, good.
SPEAKER 21 :
I was trying to be working. Yeah, potentially on that one at 100K. Do you tow and do a lot of other things with it, Steve?
SPEAKER 09 :
I don’t, but I’m just worried. I’m trying to be proactive on that transmission lockup issue that they have.
SPEAKER 21 :
By the way, personally, and you’ve heard me say this, I think keeping the fluid cleaner in those will help with that immensely. So, yes, I would do that at 100K.
SPEAKER 09 :
Drop the pan and do the filter?
SPEAKER 21 :
Yep.
SPEAKER 09 :
Okay. I notice there’s no dipstick. There’s no, you know, to check your transmission fluid level.
SPEAKER 11 :
No.
SPEAKER 09 :
You got on the V8, you got to drop the exhaust, pull both wheels, drop the exhaust down. Mine is the diesel, so I can get right to the paint, but there’s no drain hole or anything. You know, way to move forward, GM.
SPEAKER 21 :
Yeah, again, that was a weird deal that, you know, everybody, you know, they will even advertise that it’s an Allison transmission, but it’s an Allison approved. It is not Allison manufactured.
SPEAKER 09 :
Gotcha.
SPEAKER 21 :
And as you know, they’ve had some issues with those.
SPEAKER 09 :
Yes, yes.
SPEAKER 06 :
It’s always fun to be the technician that has to remove a pan.
SPEAKER 21 :
Uh-huh. Absolutely. But I think for right now, Steve, you’re in good shape. Okay, thank you for alleviating any worries. You’re very welcome, Steve. Appreciate you very much and appreciate the call. And, yeah, those, we talked about the growing pains earlier. This is another area where there’s some growing pains now. People have asked, and I have as well, why didn’t General Motors just tell Allison we want a 10-speed? Build what you have into a 10-speed, and we’ll buy it and keep doing this relationship like we’ve had. I don’t know whether it was because Ford and GM and some high-ranking guys got together and said, hey, we can do this together. We’ll make it a conglomerate. You’ll do things a little differently than what we do, but at the end of the day, it’ll be a joint venture. We’ll make this thing work. We’ll save some money when it’s all said and done by not having to buy these things from Allison. We’ll be manufacturing them. And if you look at the millions upon millions of these we sell over a course of time, look at how much money we’ll be saving and putting in the bank. And I’m probably not far off on what I just said. And we’ll get Allison to approve this, by the way. We’ll get them to sign off on this. We’ll give them a little royalty check when it’s all said and done. We’ll get them to sign off on this. We can still advertise it as being Allison, and that’s the direction we’re going to head. What do you guys think? Cheers. Yep, let’s go. And now here’s where we’re at. And no, it’s not an Allison.
SPEAKER 06 :
I guess they win until the warranty claims start coming in.
SPEAKER 1 :
Yeah.
SPEAKER 21 :
Well, in some cases, I’ve got listeners, by the way. Some of you out there that are listening know what I’m talking about because you’ve texted me on this. Some of these trucks, and I’m not exaggerating, aren’t getting 1,000 miles on them before they’re bad. There’s one listener that I’ve got that’s got his brand-new Duramax Dually in the shop that will not see parts until July. And it is February right now. Will not see parts until July. So brand-new truck that he owns, $90-some-thousand-dollar, $100,000 truck.
SPEAKER 03 :
Probably making payments on.
SPEAKER 21 :
Could be. That is not going to be able to use that vehicle until sometime in July. That’s the soonest he’s being told he’ll have service on that particular vehicle. By the way, that’s crap. I would make him buy me. I’d make him buy it back if it were me.
SPEAKER 06 :
Yeah, I mean, the Lemon Law would work if they had to fix it a couple times. But they’ve determined what’s wrong with it. So now the timeline…
SPEAKER 21 :
I think in that case, I think you could still get a good attorney and probably still push for a Lemon Law case, given the fact you don’t have that vehicle for the next six months, I think. To your point, letter of the law, yes, you need repetitiveness when it comes to the Lemon Law. That’s what it says. I think in this case, given that it’s a $100,000 truck and you don’t have use for it for six months right after you bought it, I think you could pretty easily get an attorney and get that bought back. And personally, I would. I wouldn’t be putting up with that, and I wouldn’t be waiting that long. All right, guys, we’ve got a quick timeout coming. We’ve got a review on a Toyota Tacoma that we recently drove, which some of you even asked about here of late. I’ve had a few emails and text messages on that particular vehicle. So listen up. We’ll be right back after that. Drive Radio, KLZ 560. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Richard Rush with me right now. Okay, Richard, as always, I shouldn’t say always, but we drive pretty routinely cars. We’re able to test drive certain things, get some feedback. Now, really quick for everybody listening, we drive these for a week. a pretty good idea of all of the different things that are there. When the car is new, we have no way of telling you down the road what are things going to be like other than certain makes and models have got some history with them and so on. But at the end of the day, Richard, we drive them for a week. We report back how they work. We try to do it as unbiased as we can. In other words, looking at it from the car’s point of view, not anybody else’s. You tend to look at things a little bit younger. I look at things a little bit older. But what have you driven lately? What do you want to start with?
SPEAKER 08 :
Yeah, well, let’s start with one that I think people have come to love, and it’s been a staple for many years, and that’s the 2024 Toyota Tacoma. And it has obviously been redesigned for 2024. This is one of the more hot. The designs, we actually drove a different model of this vehicle a little bit earlier. I guess it was a little bit later last year. So you guys can go look for that one. This is the Trailhunter version, Dad, which is like the TRD Pro. And for those of your listeners that are familiar with them, these are the two most off-road capable straight from the lot, right? So you want to go buy… a mid-sized truck, right? And that’s what these are. We’ll talk about that here in a second. And you want to pull this thing off the lot and basically take it up the mountains, you can do that. And they kind of come equipped with a lot of different things that give you off-road functionality, those sorts of things. As far as the Trailhunter goes, it’s just a slightly different variation of the TRD Pro. It’s got a little bit different little look. It’s got a utility kind of bar in the back of it that goes in the back. And it’s got a few different shocks and a few things that way. One, my favorite thing about this, Dad, is what’s partly new for 2024, which is it’s got a new, it’s a turbocharged four-cylinder, but this is the I-4 SMAC. This is the I-4 SMAC version, which is basically the hybrid version, which really kicks up the performance of it, Dad. Again, it gives you a hybrid drivetrain, 326 horsepower, 465 foot-pounds of torque. on this vehicle which doesn’t do much for the fuel economy folks but here at our altitude dad and i can only imagine how this thing runs at sea level i’ll just say it works phenomenally well it just runs it just blasts off from from a stop this thing gets up and goes on the infotainment system the the nice big display on the inside works really well again we we talked a little bit more about those features in the other review i encourage you to tune to that but this vehicle that being the off-road ready version It looks aggressive. You can get into this thing. I would trust it on most of our Colorado trails. Obviously, there’s kind of some rougher stuff out there.
SPEAKER 21 :
To your point, this has got the full old man EMU suspension, ARB, sport bar, et cetera, et cetera. I mean, we just kind of go down the list of things that it’s got, which, by the way, a lot of folks are taking a typical stock-type vehicle, Toyota, in this case a Tacoma, adding all of those things to it and then going up to the hills. This one comes fully equipped, ready to go, to your point.
SPEAKER 08 :
This one comes fully equipped, ready to rock and roll. People are going to sit, well, and some of them are going to say, well, what’s the price point on this vehicle, Dad? Well, as this thing sits, again, this is about as off-road ready as you can get, $64,944. So basically $65,000. Fuel economy, for those that care, average of 23. It’s basically 22 and 24 in terms of fuel economy.
SPEAKER 21 :
Which, really quick, if you took a standard Tacoma, added all of these accessories, you would increase the price. You’d be higher than what this price is, by the way.
SPEAKER 08 :
You would, exactly. And keep in mind that Toyota has done, they’ve got a bunch of different models, right? And that’s sort of their model now is you kind of buy the trim level, right? You can put a few different accessories on it, but you’re pretty much buying it the way that you want it. So if you want a little bit better creature comfort, you would get a bit, I think it’s a limited, right, they call it. If you want the TRD Sport, you could get that. You want the TRD Pro or the Offroad, they’ve got all sorts of different options. The only negative to this car, Dad, is the backseat. They will say it’s a backseat. However, it is not a backseat. No other way to say it. I put my seven-year-old and my six-year-old in this car, and you know how big they are. One of them is a little bit bigger in terms of height-wise. They were very hard-pressed to get in the vehicle. I had to scoot up the driver’s seat even for my younger one to fit. It’s just not a very, very big backseat. Okay. Some people aren’t going to care about that. I’m just being honest. I’m just telling folks if you’re looking for a full-size backseat, not the vehicle for you. However, everything else about this dad, that I-Force Max engine, all of that, this thing works phenomenal. So I encourage folks, head to your local Toyota dealer, test drive these. They’re now starting to be a little bit more prevalent on dealer lots. And when you do that, let them know that John and Richard Rush from Drive Radio and Rush to Reason sent you.
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SPEAKER 18 :
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SPEAKER 21 :
All right, we are back. Drive Radio, KLZ 560. Again, Paul Lumberger with us today, my insurance agent, and a lot of you listening as well. Steve Horvath from Geno’s Auto Service with us. Josh and Justin both from Ridgeline Auto Brokers and Legacy Automotive with us as well. Boulder, Fort Collins, and Longmont. And one thing, Paul, that I was going to throw at you because we get this question a lot. I’m surprised it hasn’t come up yet today. And that’s the whole theft of vehicles because Colorado has been known for one of the higher states for theft. You guys during the break were just talking about some of the immobilizers and different things. So it made me think, is there or, you know, what do people do with those vehicles that are more theft prone? And is there discounts for immobilizers and things along those lines?
SPEAKER 07 :
No. There’s companies out there that it’s just all driven by the VINs.
SPEAKER 21 :
Okay.
SPEAKER 07 :
So a lot of people will be like, oh, I got this installed or I did this, you know, I bought an extra thing from Subaru that supposedly is going to give me another discount. It’s all just driven by the VIN numbers. Okay.
SPEAKER 21 :
So no matter what you do, you might be saving yourself a claim and protecting yourself, but reality is you’re not necessarily saving anything on the insurance side.
SPEAKER 07 :
No, there’s no built-in discount that we click a box on that gives you another discount.
SPEAKER 21 :
It’s not like your home where you can have an alarm and things like that that are saving you money on homeowners.
SPEAKER 07 :
No, there’s nothing built in on the auto side like on the home side.
SPEAKER 21 :
I suppose because no matter what you do, the car is still portable. Correct. A tow truck or whatever will still make that car leave no matter what you’ve done to it to immobilize it, right?
SPEAKER 07 :
You got it.
SPEAKER 21 :
I mean, at the end of the day, it’s a mobile asset, and I’m guessing that’s why.
SPEAKER 07 :
Yeah, and there’s no checks and balances.
SPEAKER 21 :
Well, as far as even what the immobilizers are and who did it and all that kind of stuff.
SPEAKER 07 :
Yeah.
SPEAKER 21 :
Got it. Okay. Makes sense. Now, all that being said, for some of you that have higher risk vehicles, and some of you might be saying, well, how do I know? Look it up. That is one of those Internet things. You can go Google, you know, what are the highest theft vehicles given any month, given a state, given nationwide, whatever. Now, what I will tell you is it’s not hard to figure out. The vehicles that have no immobilizers that are typically key-driven, the early diesels, whether that be, doesn’t matter, any of the three, Ram, GM, Ford, and these guys know exactly what I’m talking about. It doesn’t matter. It doesn’t even matter what engine’s in it, by the way. If it’s an early diesel, it’s a prime target. Am I right, guys? We’ve had two stolen. Two stolen that you guys have directly had. So it doesn’t matter. If it’s an early diesel, it’s a prime target. If it’s even an earlier, nice, put-together gas engine truck, high on the list of things to sell. So, I mean, I’m talking like a 90s Chevy pickup, something along those lines, even early 2000s. Those are high on the list as well because they’re still easily stolen is what I should say as far as that goes. Now, on top of that, you all know some of the Kias and Hyundais with even the push buttons that were still easy to steal because of the programming and things they could do. But even some of the earlier key-driven vehicles in general, because you look at the list and you think, wait a minute, these are all old cars. Why would they want to steal those? Because they’re easy. Because you can. Am I right, guys? Because they’re easy to steal. And I’m not trying to stereotype or anything like that, but a lot of these cars will either get stripped or they’re sent south of the border. And they’re either sold or done whatever with there. Am I right? That’s where they go, correct? Correct.
SPEAKER 12 :
Right. And, you know, like a Honda Accord, they made $100,000 plus a year. So if you steal one, it’s easy to steal. And there’s a market to buy those used parts, too.
SPEAKER 21 :
There’s tons of buyers for the parts. Right.
SPEAKER 12 :
Exactly.
SPEAKER 21 :
So, again, folks, thievery is no different than any other free market enterprise. Supply and demand. What is the market looking for with that particular vehicle? Is it resellable or are the parts resellable? And if either is true, it’s a high target item. Right? Very true. It’s why in some new cars you’ll see these types of social media posts and so on where a guy comes out the next morning to hop on his truck and all the wheels and tires are gone. Well, yeah, because those are easily sold and marketable because in some cases it’ll fit more than one truck. and they can go peddle those things off for whatever dope money they need. I’m sorry, that’s most likely where it’s going. And they can go buy whatever they need to as far as that goes, the drug money, and off they go. And I’m not exaggerating when I say this, and that stuff will get sold for pennies on the dollar when it’s all said and done. And something else to be aware of is some of the things you see on Facebook Marketplace, by the way, may very well be the person that bought that from said druggie that stole them in the first place, and now they’re just reselling them so they can get their money back and make a little on top. And I’m not exaggerating. This is how the system works. And so it’s always one of those things where, you know, beware of where you’re parking. If you don’t have a secure place, try to find one. When it comes to the wheels and tires, locks do help. It’s not a total deterrent because there are tools out there that will even take those off. But all you’re trying to do with any thief, whether it’s the stealing of the vehicle or even the parts off of the vehicle itself, slow them down. Whatever you can do to keep that thief at bay, slow them down, make the next target look more enticing than yours, that’s all you’re trying to do. Right, guys? Because as we know, at the end of the day, if they’ve got to drive through a steel door to get your vehicle, they will.
SPEAKER 07 :
Well, and don’t leave your keys in the car just because your car is in the garage and your garage door is closed.
SPEAKER 21 :
Because they can hop in that and still take it, correct?
SPEAKER 07 :
Well, they get in your garage, and your keys are in your truck in the garage.
SPEAKER 22 :
It’s easier to get in the garage than it is your car. Well, that’s true, too.
SPEAKER 07 :
Well, they open up your garage, and your keys are sitting in your truck or your car. I mean, I’ve had a couple of those claims where they get in the garage, and you’re sleeping at night, and the keys are sitting in there.
SPEAKER 21 :
Gotcha.
SPEAKER 07 :
And your wallet’s in your garage. I mean, in your truck. Yeah.
SPEAKER 06 :
What about your garage door opener when the car is outside of the garage?
SPEAKER 07 :
Yeah.
SPEAKER 17 :
Yeah, got to take that out.
SPEAKER 21 :
And somebody asked me, you know, what do I recommend when it comes to GPS tracking and all that, and I’ve actually got a couple of text messages in earlier this week on that. Honestly, folks, that one, I don’t have a particular preference. This comes down to you. What kind of a device do you use? You can do something as simple as, like, an Apple AirTag, and they make those for the Android phones as well. Those are really quick and easy. Keep in mind they’re battery-driven, so eventually, you know, you’ve got to keep tabs on what the battery life is like and change it out accordingly. There are other GPS devices you can hide. They usually cost a little bit more money. There’s usually a monthly fee. Sometimes your cell provider will provide some of those things. This is a question for you, Paul. Does insurance companies offer anything along those lines as far as discounts or anything like that if you want to buy anything along those lines?
SPEAKER 07 :
No, it’s just going to be something you want.
SPEAKER 21 :
Okay, so you’ve got to go out and find that and do that research on your own. Now, one thing we heard from a listener that called in a few weeks ago now, I think it’s been three or four weeks ago now, is State Patrol in Colorado, which I didn’t know before this phone call, if you want to just do something as simple as a club on your car, they will give you one. Go to the State Patrol office, the one over in Golden especially, Office 6th and Colfax over there, and walk in and say, you know, I’d like to make sure my vehicle’s protected. It’s an older vehicle, doesn’t have all the security devices. I’d like a club. They will literally give you one because they also know if we can keep a car theft down, it helps them out on their job as well. They’re not hitting you with a club.
SPEAKER 20 :
Exactly.
SPEAKER 21 :
So at the end of the day, it helps everybody. So that’s something that somebody called in a few weeks ago and told us that I honestly did not know. You can actually get a free club by just going to State Patrol and asking them for one, and they will help you with that, which I didn’t know.
SPEAKER 06 :
I don’t know if I’d want to put a GPS in my car and then have it stolen. You know where it’s at? I don’t know if I’m going to want it back.
SPEAKER 1 :
There you go.
SPEAKER 21 :
Well, that’s a whole other conversation that I’ve learned in this past year from Roy at ProTech Auto Shield. Depending upon who stole the vehicle and what they did inside of said vehicle, you probably don’t want it back. If they smoked dope and did anything like that inside of the vehicle and there’s any kind of hazardous, in fact, one of the things you should do before ever taking a vehicle back after being stolen is have a drug test for the inside of the vehicle done. Yeah, that just started coming out the last couple of years. Make sure that you’re getting that done because if it’s coming back positive, it’s a total. You don’t want the vehicle. You don’t have to strip all that stuff out and start all over again because there’s things in it that you don’t want to be around, don’t want to touch, blood-borne, et cetera. You want nothing to do with that vehicle. It just needs to go to the crusher. And as hard as that may sound, it’s still just a material device, folks. It’s a material possession. If it goes to the crusher, it goes to the crusher. Guess what? There’s another one out there somewhere.
SPEAKER 06 :
This is why we have insurance.
SPEAKER 21 :
That’s why you have insurance. Now, that’s a question for you, Paul, as much as anything. Let’s say that situation happens, and you’ve got some devices on it. You’ve done your best to try to make sure nobody steals it, but it still gets stolen. How does that work as far as your rates and all that go in the future? It’s a loss, right?
SPEAKER 07 :
I mean, theft counts against you. That’s a big one.
SPEAKER 21 :
So it’s a loss, and it goes on your loss run, right?
SPEAKER 07 :
Yeah, and when you’re shopping insurance and there’s a theft, it happens. It hurts.
SPEAKER 21 :
Because it’s not a natural act.
SPEAKER 07 :
No, it hurts, yeah.
SPEAKER 21 :
Okay. All right. Good to know. Okay. We’ll take a timeout. We’ll come back. I’ve got another full segment. Myself, Steve Horvath, Geno’s Auto Service, Josh and Justin from Ridgeline Auto Brokers and Legacy Automotive up in Boulder with us as well. And, of course, Paul Leuenberger, our insurance guy, is with us as well today. Agent, I should say. We’ll be back in a moment. Don’t go anywhere. Drive Radio, KLZ 560.
SPEAKER 04 :
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SPEAKER 03 :
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SPEAKER 13 :
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SPEAKER 20 :
All right, we are back. Drive Radio KLZ 560. Thanks for joining us. Kenneth and Thornton, you’re next.
SPEAKER 10 :
Yeah, I got a 2008 Jeep Liberty, and the wheel sensor lights keep coming on along with the security light, and I had discount. They put my tires on, so I had them change out all the wheel lights deals where you put air in, and they said all the batteries are good and them are good. They said I probably got a computer problem, and I don’t think it’s a computer problem.
SPEAKER 12 :
Did they program the new sensors to the car, or they just put new sensors in?
SPEAKER 10 :
No, they programmed it like they do, and they went under my dash and plugged in their machine after they did all the sensors, and then they rechecked all the sensors on each wheel to make sure the batteries were good.
SPEAKER 11 :
Mm-hmm.
SPEAKER 10 :
And then it cleared the light and it went off for like a day or two and then it just comes on and goes off and comes on and goes off. It never just stays off. Does that one have a spare tire sensor?
SPEAKER 12 :
I think it does, yeah. And they should have been able to see that when they were in there. Maybe when they were scanning everything. Yeah, because sometimes they write it out in the code like you can turn them on and off on certain makes. But it may have one to spare. And then also, you know, check your tire pressure. Since it kind of comes on and goes off, just make sure your tires are set to the right pressure. So, you know, if it gets cold overnight and it comes on and then the day warms up like yesterday, a lot of the tire pressure lights went off. So just make sure your tires are set to the proper pressure.
SPEAKER 10 :
No, I constantly check the air and my… My spare does not have a sensor on it. It doesn’t on that one? Okay. No, this one does not have a sensor on the spare. Is the light flashing, or is it solid? It comes on solid, and then it goes off, and then it comes on and goes off. And when that one comes on, the red security light comes on at the same time. That’s really interesting. But I have no clue. And I had people plug their…
SPEAKER 12 :
data readers or whatever in and they get no codes for nothing or anything right but you need to to be able to get in those systems you need a factory level tool like i have ones that are at that level where it will tell me you know which sensor or what codes are in the in it for you know the sensor or if it’s the module that’s going bad and it also kind of tell why you get a security light on too you could have an issue with the security system itself and not be in the tpms right exactly
SPEAKER 06 :
Is all that stuff ran through the tip itself, or are those in a different module?
SPEAKER 12 :
That one, I don’t know, because some cars, like if it’s a GM, the tire pressure monitors and the security is in the BCM. Okay. And then some, it’s in the dash. Some, it’s in a separate tire pressure module. It all depends on what year.
SPEAKER 06 :
It’s just weird they’re coming on at the same time like that.
SPEAKER 12 :
Yeah.
SPEAKER 10 :
So who or where can I go to have it? checked, and they could tell me what’s wrong, or if they could fix it. Thornton’s pretty close to Boulder.
SPEAKER 21 :
You’re in Thornton. I would take that over to Accountable Automotive. Take it over to Mark and see what he sees with it. Where is he at? He’s over in Broomfield, not far off of 120th and Main.
SPEAKER 10 :
And what’s the name of it?
SPEAKER 21 :
Accountable Automotive.
SPEAKER 10 :
Accountable.
SPEAKER 21 :
And if you go to our website, drive-radio.com, you can find him there.
SPEAKER 10 :
Okay, and you recommend anybody else?
SPEAKER 21 :
I don’t have anybody else in your area, no. He’s your closest. And has the proper equipment where he could look at that. And, again, that’s one where you really need to look at the security system as well and find out is there a tie. Given the fact those systems are tied together, is there a tie there? And is it really the TPMS causing the problem or is it the security system causing the problem? Back to what Josh was saying.
SPEAKER 10 :
So is that fixable or is it going to be crazy expensive? Everything in life is fixable.
SPEAKER 21 :
It’s a matter of what’s the cost.
SPEAKER 10 :
Right. That’s what I mean. Do you know roughly? I mean.
SPEAKER 21 :
No idea. Depends on what he finds. That one I have no idea, Kenneth.
SPEAKER 19 :
All right. But I would expect some diagnostic time.
SPEAKER 21 :
You’re going to have to spend some upfront money to determine what’s going on. And that’s where the tire guys are not. No offense. They’re just not equipped to do that.
SPEAKER 10 :
Right. I agree. Yep. All right. Well, thank you so much.
SPEAKER 21 :
You’re very welcome. No, Kenneth, I appreciate that, and thank you, Steve, for also saying that because, yeah, I mean, this is one of the comments that I hear quite often. I’ll get text messages and things like this in on, you know, hey, I’m getting this price on such and such. It doesn’t necessarily have to even be with some of the shops that we have in our group, just in general. Hey, I’m looking at getting this done, and here’s what they’re quoting me. Is that fair? And I’ll be like, okay, well – We’re on average across the board, and I’m not exaggerating, folks, when I say this, at $200 an hour for labor, and that’s pretty average. Some are more, some are less. It depends on the type of car that it is, where they’re at in town, where they’re at in the country, and so on. But you can pretty much say $180 to $220 on average for a labor rate. So if you think about just a couple of hours of labor. you’re almost 500 bucks with, you know, if you’ve got any kind of parts at all, you’ve got, with tax and so on, you’re at a $500 bill pretty quick. So, reality is, you’re not getting a lot done on most cars in today’s world for less than a $500 bill, pretty much anything. And I’m not, there’s oil changes that you can do, but that’s even another one where, If you’re getting an oil change on today’s modern vehicles, doing them correctly with a GDI engine, the gas direct injection, which we talk about a lot, which, by the way, most vehicles on the road today are gas direct injection. If you’re paying less than $130 for an oil change, something’s not right. And I mean that sincerely because if they’re doing everything correctly, right oil, full synthetic, the correct high-quality filter, we’re doing the BG service at the same time like we should be, and a little bit of labor to pay the technician to go through and do those things, you’re at a minimum of $100.25. And in some cases, you’re going to be $150 or above to do it correctly. Gone are the $29.99 oil changes. And if you’re getting one done for less than that, something’s off. Right, guys?
SPEAKER 06 :
Oh, absolutely.
SPEAKER 21 :
You know, substandard filter, using some kind of blended oil when you should be using full synthetic. We’ve even heard from some of you guys as listeners, they’re not draining the oil properly. They’re sucking it out. They’re not even draining the oil through the drain plug like they should, looking at what’s inside of the oil coming out and what’s the drain plug look like because it can have metal filings and things on it from time to time. I mean, they’re not doing all of that correctly. And, yeah, you’re getting that oil change done much cheaper, but believe me, it’s substandard. You’re not getting your money’s worth.
SPEAKER 06 :
Well, we have an 0700 for an example.
SPEAKER 21 :
Perfect example, because it didn’t get done correctly on the front side. So my point is owning vehicles has gotten more expensive like everything else. What’s the price of eggs done, especially here in Colorado? Everything has gone up in price, and yet there’s this misconception that I can get my oil changed for $20. Folks, you can’t buy the product alone on your own. Full synthetic oil, five quarts, and a high-quality filter for $20. Can you guys? No, you’re going to be $60. Because you’re $6 to $8 a quart anymore for oil, correct? And a quality filter is going to be even a walk-in price is $14 to $18. $15 to $20. So you’re $14 to $18 on an oil filter. And now you’ve still got to get it done.
SPEAKER 20 :
Right.
SPEAKER 21 :
And if you don’t have the ability to drain it properly and dispose of it properly, and by the way, that’s a huge hassle. Even doing it at home in my own shop, it’s a hassle. It’s a pain. No matter what you do, you’ve got drippage and things like that, and no matter what you do, it’s still a pain in the neck when it’s all said and done. And the other thing that should be happening, by the way, when you do an oil change is a proper vehicle inspection on everything else at the same time. It is the duty. This always cracks me up when I look at people on different websites or Facebook pages and so on. Where’s the cheapest oil change? I don’t want anything else done. I just want the oil changed. Well, number one, liability for that shop. They need to be looking at the rest of the vehicle. Once it changes possession. And they now have the vehicle. It’s like going to the doctor, and he doesn’t tell you everything wrong with you. He has now opened up for malpractice. Guess what? A shop is no different. If you come in the door, and your brakes are getting close to metal to metal, and you’ve got some oil leaks, and you’ve got other problems that potentially could cause issues, even safety-wise, it is the shop’s responsibility to let you know those things are going on. Or, by the way, they’re open for a lawsuit. by, by the way, not just by that customer, but somebody that customer driving it might affect. Because that’s the other thing people forget is it’s not just the driver and the owner of the car that can sue you. It’s the person they run into or that runs into them because the engine just locked up or whatever the case may be. There’s all these other scenarios that nobody ever thinks about, except for us that are in the industry. And of course the insurance agents that are over here next to us, they think about it as well. But there’s all these other factors that come into play that most people don’t think about. So it is the duty of the shop. when it’s in for anything, but especially an oil change, to go through the vehicle bumper to bumper to determine what else is needed. And, by the way, that’s good service to you because when it’s done, you now know these are the services I need to prepare for. And a good shop, and ours will do this, by the way, will tell you, hey, these are green, these are yellow, we’re going to pay attention to these, and this may be something we need to take care of here in the next few months, be budgeting for these things. And, oh, by the way, these are the red items that, man alive, we’ve got to fix right now. We cannot let this go any farther. If you do, we’ve got risks of these things happening. And a good shop will break that down and even give you then pricing on each one of those things and tell you these are the things we should do now, these are things we can do in the future, and these are things we don’t have to worry about for quite some time. A good shop, even at an oil change or especially at an oil change, should be telling you those things. And if that’s not what you want, I’ll just be straight up honest, you’re not a good customer. Sorry, you’re not. You’re not a good customer. You’re not willing to pay the money to take care of your vehicle properly. Why are you a good customer? The answer is you’re not. And I will just tell you straight up, either do your own oil changes, take them to a quick glue place that will do them for you that won’t give you any things I just said, and don’t be surprised when you spend more money on your car than you should down the road because you’re not maintaining it correctly. Sorry to be hard, but folks, that’s – and I coach shops. I look at their software systems. I look at the tickets that are going out the door. I see these things. I train on these things, and I train every one of my shops to do what I just said. And if they’re not doing that correctly, shame on us.
SPEAKER 06 :
Well, catching things early will ultimately save you money down the road. That’s exactly right. It’s just nice to know. That’s right. It’s nice to have a good picture of your car.
SPEAKER 21 :
That’s right. Justin, again, from Ridgeline and Legacy up in Boulder, thank you. Josh, thank you as well. Thank you. Steve Horvath from Geno’s, thank you also. Larry Unger on the other side of the glass, and Charlie, thank you guys as well, and Paul Leuenberger especially. Thanks for coming down and answering a bunch of insurance questions for us today. That’s fun. We appreciate it. Thank you very much. Guys, have a great rest of your weekend. Always remember you can go to drive-radio.com, find all of our sponsors there, listen to past episodes as well. And this is Drive Radio, KLZ 560.
SPEAKER 05 :
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.
