Episode Details

A guest no-showed, so Scott Howell brought two stories instead. The first is an auto claim he calls the craziest he has ever heard. A customer buys a $17,000 Mazda from a dealership Scott also insures, puts liability only on it because he was in a hurry, then drops it back off for a check engine light. The next morning the dealership's technician gets T-boned at a green light, and the driver who hit him calls The General and buys a policy while waiting on the police. Between liability only coverage, garage keepers liability, and an at-fault driver with nothing in force at the time of the wreck, nobody pays for the totaled car. The owner's existing Progressive policy would have covered it if he had never called them at all. The second story is the title. An employee at a friend's agency threw a rock through a Tesla's back window on his way to work, the Tesla followed him to the office and called the police, and he was handcuffed in the parking lot at 9:30 in the morning while his coworkers watched from the window. The owner later found the search still open on his screen: what to say to the police after you throw a rock through somebody's window. Which brings Scott and Bradley Flowers to the moral, which is vet your people before you hire them.

Show Overview

00:00 Cold open and sponsors

01:03 Welcome, and the incomparable Bradley Flowers

02:26 Guest no-show, so Scott brought two stories

02:59 Story one: two clients who do not know each other exist

04:40 A check engine light, and liability only

05:05 T-boned at a green light

05:53 The at-fault driver buys a policy while waiting on the police

06:45 Garage keepers versus direct and primary

07:35 Nobody pays: three policies and one totaled car

09:00 The twist: calling Progressive is what killed the claim

09:59 He found a lawyer, and he is suing the dealership

10:38 Story two, names withheld

12:02 A rockhound, an F-150, and a Tesla that cut him off

13:23 They follow him to work and call the police

14:33 Handcuffs in the parking lot while the office watches

14:54 The browser tab left open on his desk

15:39 Were there signs? The slammed door

16:30 Vet your people, and what nine interviews at Progressive buys

17:47 Fast on the ones you want, slow on the ones you are not sure about

18:02 The AI written email that withdrew her candidacy

18:54 The Facebook comment that did dad no favors

19:20 Recap, and there is always tomorrow