Funny story about hail and car insurance

[Heel n Toe]

The thread about the FD in that rural TN town and the hail damage repair thread reminded me of this... it doesn't really fit in either of those threads.

Years ago, my bud Dennis told me about this guy he worked with. I'll call him JG here.

JG was one of those guys who was always trying to gain a financial advantage for himself in small-minded ways by lying and cheating... he especially loved cheat or beat "the system"...whatever that system might be at the time.

So when the parking lot at work was full and he had to park on a meter, he'd put one coin in, then jam a wooden coffee stirrer in the slot so the meter wouldn't run down.

And when he'd get a traffic ticket, he'd whine and complain to everyone incessantly about how it wasn't his fault and he'd always go to court and try to beat the ticket.

JG had one of those early 70's Mustangs with the uber long hood, and he thought it was pretty cool, but he didn't really take care of it... it was Grabber Blue, but it wasn't a Mach1... like this:



One afternoon, a storm rolled through the area spewing quarter-sized hail, but for some reason, JG's Mustang was spared. I don't remember why... maybe it was in a parking garage.

But JG heard everyone in the office calling their insurance agents to get their cars repaired, so you know what went through his mind; this was his big chance to get a shiny new paint job... free.

So that afternoon when he got home, he pulled it into the garage and shut the door. Then he put a golf ball in a sock and went to work. After he thought it looked about right, he called his insurance company.

Rrrrrinnnnnggggg...
Agent: Hello, this is Alice with State Farm. How can I help you?

JG: Hi Alice, my name is JG and I have my car insurance with you and it was severely damaged in a hailstorm this afternoon.

Agent: Alright, Mr. G, could I have your DOB and policy number?

JG: My DOB is 3-22-53 and my policy number is 4452899110.

Agent: Alright, one moment please..... *pause* .......I'm sorry, Mr. G, but you don't have comprehensive coverage on that car.

JG:

[Geronimo '74]

Lol, karma's a b:tch, ain't she?

[fastfredracing]

I have a similar story about an equally weasily guy . My buddy and I were taking a week long trip to the beach in our early 20's. I rented a car cause all I had at the time was a Corvette, and my buddy had an old truck.
At the last minute a guy that I went to school with, but did not know really well sort of invited himself along.
This guy was a total weasel. The whole trip, he stole things , walked out of restaraunts without paying, would drop a piece of glass in his Pizza, to get it for free etc..
So after a week of his antics, we are on the way home in the rental car. There is a bee in the car, and the idiot he is, punches the bee to the windshield of the car, smashing out the windshield. I get pissed, because the car is in my name, and I did not take out rental insurance on it. He calms me down, and says, " Don't worry about it, I will return the car in the am, and I will take care of it". I reluctantly let him do it.
He calls me in the morning, and tells me he returned the car, and that I do not have to worry about it, he has taken care of everything.
Later in the day, I have to go get parts at the Chevy dealer that is just past the Rental Car Company . While passing, I notice that every car on the rental car company's lot has its windshield smashed out.

[GH85Carrera]

That is a guy I would not ever be around again.

[David]

My MIL bought a new Honda Accord a few years ago. It was hail damaged in the dealer lot so it was several thousand dollars off for sale as is. I went with her to buy the car and she asked me what the consequences of having all the little dents were. I told her probably a minuscule reduction in fuel mileage on the highway and nobody will steal your car for the body panels. She said, "Great, I'll take it as is and not worry about the dents". A very practical woman.

[krystar]

actually...hail dimples makes the MPG go up mythbusters proved hehe

[Rick Lee]

Originally Posted by David

My MIL bought a new Honda Accord a few years ago. It was hail damaged in the dealer lot so it was several thousand dollars off for sale as is. I went with her to buy the car and she asked me what the consequences of having all the little dents were. I told her probably a minuscule reduction in fuel mileage on the highway and nobody will steal your car for the body panels. She said, "Great, I'll take it as is and not worry about the dents". A very practical woman.

I also know some folks in Dallas who bought a minivan that had been hail damaged on the lot. It looked terrible, but they didn't care and got it for a song. I drove it a lot and it was fine.

[fastfredracing]

Originally Posted by GH85Carrera

That is a guy I would not ever be around again.

I completely severed my relationship with him after that incident.

[GH85Carrera]

Originally Posted by fastfredracing

I completely severed my relationship with him after that incident.

Good thinking!

[KevinP73]

Many years back I knew these two idiots. We'll call them idiot #1 and idiot #2.
Idiot #1 was behind on the payments for his Ranchero and wanted it to disappear so he could report it stolen and have insurance pick up the bill. Idiot #2 wanted a ride to Oregon to visit his parents. They decided that idiot #2 would drive it to Oregon where he would run it off a cliff into the ocean, never to be seen again. The perfect plan.
Idiot #2 makes it to Oregon and puts the second part of the plan into action. He drives down a dirt road that leads to the aforementioned cliff. It's late at night and it's raining so he's confident that his plan is going perfectly. With the car running he sets a rock on the gas pedal and while leaning in he drops it into gear. In his haste to get away from the now accelerating vehicle he slips in the mud and the car runs over his ankle. Crushing it. The car continues toward the cliff but veers off course and strikes a small tree, dislodges the rock and the Ranchero slowly rolls over the cliff gently coming to a stop just at the base. Minor damages to one fender and the bumper. Idiot #2 limping with a broken ankle proceeds to walk back to his parents unaware that a highway patrol cruiser had seen him drive down the road and was sitting there, blacked out, waiting for him to come back out. Turns out this road is well known for the shenanigans that took place on it. Idiot #2 proceeds to tell some long drawn out story that the officer just wasn't buying. Upon further investigation the officer finds the Ranchero over the cliff, runs the license only to discover that idiot #1 had already reported it stolen to his insurance company.
Idiot #2, trying to save himself from a grand theft charge comes clean and tells the highway patrol of the scheme that idiot #1 "talked him into". Idiot #1 trying to save himself from an insurance fraud charge claims he's never heard of idiot #2 even though they had worked together for three years.
I guess it wasn't such a perfect plan after all.