Anatomy of a Ripoff
Monday, 1. June 2009, 04:47:01
This weekend's Post will recount the sequence of events that turned a seemingly innocuous trip out to eat into an eventual nightmare ripoff featuring ineptitude, revenge, theft and payback.
This story takes place circa 2000. There I was, one seemingly routine afternoon after work. It had been a hard day, therefore as a popular advertising slogan suggests, I deserved a break … at McDonald's.
So, I followed that great advice. I placed my order, a Quarter Pounder with Cheese, Fries & Dr. Pepper Combo. I was asked if I wanted Super-sized Fries. I went, "Does a Wild Bear Shi™ in the Woods?"
Just Kidding! I replied, "Yes." I got my bag with my nutritious meal and started walking out. I did a check inside the bag. I noticed the Fries weren't Super-sized.
I went back to inform them that they forgot to give me Super-sized Fries. They gave me my Pacifier Super-sized Fries and I left.
On my way home, I was driving on the side road off the Freeway. I came up to a 3-way Stop. I did a complete Stop. I proceeded on my way. Suddenly out of the corner of my eye, I noticed that this car coming from my right, was traveling rather fast. I had seen it before, but I had assumed it was going to stop at the intersection as it was supposed to. As I was crossing the intersection, with every second, it became more and more apparent that there was no way that car was going to stop. I started having this surreal feeling. It actually popped into my head, "That car sure looks like it's not going to stop and it's going to hit me. But, it can't be real because this is my NEW Isuzu Rodeo." Two seconds after that thought --- SMACK!
Just as I had seen the inevitable unfolding, the car ran the Stop Sign and hit the passenger side of my Rodeo.
I got out of my Rodeo, already with some slight pain on my left leg. It still seemed so surreal. I'm looking at the serious damage on the right side of my pride & joy, shiny, NEW Spruce Green Isuzu Rodeo and I can't believe it's happened. The guy from the car that hit me comes over to check to see if I was all right. I said that I was. He said that he was sorry that he didn't see the Stop Sign because he was trying to see if some apartments across the Freeway were the ones he was looking for. He was in a Rent a Car. He had just flown in from New Hampshire and was in the process of moving into town. So, it was a very inauspicious beginning for him.
Three people in different vehicles immediately stopped and came up to me to tell me that they saw the whole thing. They said they'd be glad to testify that the guy ran the Stop Sign.
I got their Info. A Police Officer came by and performed his analysis of the situation. I told him about the 3 witnesses I had. A Tow Truck was called and my former Scratch-Free Rodeo was now an according to me, Totaled Mess.
At that point I was hoping it was declared officially Totaled, beyond economical repair so that I could be given a new one. I didn't want any damaged goods repaired vehicle. Either way, it looked like an open and shut case. I had 3 witnesses in my favor ready to testify. I felt confident I wouldn't have to pay a cent.
The next morning I called up my insurance. I told them what had happened and that I needed some wheels and I needed them ASAP. A misunderstanding was to ensue and unfortunately I wouldn't find out until too late. They told me if I wanted a Rent a Car immediately, they could put it on my insurance temporarily until they verified the legitimacy of the other dude's insurance. Later they informed me that even though they only briefly put my Rent a Car on MY insurance, it counted as a Claim.
My Rodeo was towed to a Body Shop for repairs. After a month in the Shop, I am finally told that my Rodeo is ready. I go to pick it up. I give it a thorough, detailed look over. I immediately started seeing things NOT satisfactory. There was a dented Hubcap and a big area underneath the passenger door, which hadn't been painted.
The engine compartment was absolutely filthy with dust from that Bondo that is used in repairs.
I told the Service dude, "You're going to have to clean the Engine Compartment." The dude quickly counters, "Oh, we don't clean engines. And besides, that dust is everywhere in the Shop, so it is normal that it'll get into an Engine Compartment after a while." I go, "I don't care if you don't clean engines or that there is dust everywhere in the Shop. That's beside the point. My Rodeo got here with a very clean engine and that's how I am going to get it back." A bit annoyed, the dude tries to stick to his guns, "No sir. I reiterate. We don't clean engines and we're NOT going to clean your vehicle's engine. That's NOT what we do here." I ignored his intimidation attempt with, "I don't care what you do or don't do here. My Rodeo's Engine Compartment was NOT like that when it got here. Therefore, you most certainly ARE going to clean the engine … even if I have to go talk to the Big Cheese of this whole Car Dealer place here!"
Service dude STILL tried to make me blink, "Nope! Ain't gonna clean it." In Poker style, I saw his last shot and raised him a, "We will see."
I left my Rodeo there again so that they could replace the Hubcap and paint the unpainted area.
A day or 2 later, I am called again. Supposedly my Rodeo was ready again. I get there and again started to do my detailed, scrutinizing lookover. I don't think I even got to see the Engine Compartment by the time I quickly pointed out to the Service dude, "Look here! There is some over spray here on the dashboard." The dude goes, "Oh, Okay. Hold on. I can fix that." He goes away and comes back with a rag and starts wiping the over spray. It wasn't fazing it one bit. So, he goes, "Let me go get something stronger." Now he had who knows what on that rag. It must have been some Gut Juice from that creature on the movie Alien
because the Service dude started wiping the dashboard and immediately caused a melted, gooey MESS!
The strong chemical had melted the paint on the dashboard. I was in shock. I shook my head and wiped my hand over my face as I thought, "I'm never gonna get my Rodeo at this rate." I was so pissed that I just went, "Auuugghhh! Just leave it like that! I'll see what my insurance agent says. I'm tired of this place's Screwups! I want someone else to fix my Rodeo." The Service dude goes, "I can't let you take it like that." At the time I didn't think of saying, "And why NOT? What's to stop me? I already have the keys in my hand." Instead, I went, "FINE! HERE!"
A day or 2 later, I am yet again informed that my Rodeo was ready. Déjà vu. I did my usual detailed inspection. It was Showtime! I opened up the hood to check the Engine Compartment. I guess Service dude didn't want to risk me talking to the Big Cheese. They HAD cleaned the Engine Compartment.
I was finally able to take my Rodeo out of that sorry excuse for a Body Shop.
In the coming week, I'd intermittently hear some mysterious rumbling as I would drive at high speed. Finally on the 13th day after having had my Rodeo back from the Shop, it definitely made a horrible noise as I was slowly backing out at my place. I called the Shop and they towed it back in. A day later, between the brainless Jackasses at the Body Shop and an Inspection Idiot from State Farm Insurance … they came to the conclusion that I "drove over something" and bent the drive shaft. I was like, "WHAT? My Rodeo's been in an accident where it got a solid SMACK on the side and after I've had it for only 13 days, the drive shaft turns out to be bent … and you can't connect it to the accident?" The Body Shop Quacks and the inept, slithering Reptile of an Inspector from State Farm Insurance held their ground that their vast years of experience indicated I drove over something.
I told them that was Bullshit and I went to tell my insurance agent. He reluctantly got another Inspector to check out my Rodeo. By this time, they were all in cahoots. The 2nd Inspector concurred that I drove over something and bent the drive shaft. I was told, "We'll fix it for you, but you'll have to file another claim and pay the deductible."
Son of the BEACH! Fugging bunch of thieves!
Some days later, I am informed AGAIN that my Rodeo is ready. I performed my umpteenth inspection on it. I had barely driven half a block off the parking lot when the Low Fuel Light comes on. WTF? I used to never let my Gas Tank get lower than half way. And I distinctly remember having had ¾ of a Tank of Gas when my Rodeo went into the Shop. And now the Gas Tank was empty! Why those Lowlife Gas-stealing Scoundrels! My first thought was to go back and point blank accuse them of Gas Theft. But, I was sooooo Fugging tired of seeing that Service dude's face and anyone in that place for that matter, that I just decided, "Fugg It! Let it go. Let it be. Take the loss and keep driving." I had to fill up the tank when I KNEW they Ripped Me Off! I immediately went and found me another insurance and kicked the clueless State Farm Insurance Highway Robbery, Extortionist Experts to the curb.
This story takes place circa 2000. There I was, one seemingly routine afternoon after work. It had been a hard day, therefore as a popular advertising slogan suggests, I deserved a break … at McDonald's.
On my way home, I was driving on the side road off the Freeway. I came up to a 3-way Stop. I did a complete Stop. I proceeded on my way. Suddenly out of the corner of my eye, I noticed that this car coming from my right, was traveling rather fast. I had seen it before, but I had assumed it was going to stop at the intersection as it was supposed to. As I was crossing the intersection, with every second, it became more and more apparent that there was no way that car was going to stop. I started having this surreal feeling. It actually popped into my head, "That car sure looks like it's not going to stop and it's going to hit me. But, it can't be real because this is my NEW Isuzu Rodeo." Two seconds after that thought --- SMACK!
I got out of my Rodeo, already with some slight pain on my left leg. It still seemed so surreal. I'm looking at the serious damage on the right side of my pride & joy, shiny, NEW Spruce Green Isuzu Rodeo and I can't believe it's happened. The guy from the car that hit me comes over to check to see if I was all right. I said that I was. He said that he was sorry that he didn't see the Stop Sign because he was trying to see if some apartments across the Freeway were the ones he was looking for. He was in a Rent a Car. He had just flown in from New Hampshire and was in the process of moving into town. So, it was a very inauspicious beginning for him.
Three people in different vehicles immediately stopped and came up to me to tell me that they saw the whole thing. They said they'd be glad to testify that the guy ran the Stop Sign.
The next morning I called up my insurance. I told them what had happened and that I needed some wheels and I needed them ASAP. A misunderstanding was to ensue and unfortunately I wouldn't find out until too late. They told me if I wanted a Rent a Car immediately, they could put it on my insurance temporarily until they verified the legitimacy of the other dude's insurance. Later they informed me that even though they only briefly put my Rent a Car on MY insurance, it counted as a Claim.
My Rodeo was towed to a Body Shop for repairs. After a month in the Shop, I am finally told that my Rodeo is ready. I go to pick it up. I give it a thorough, detailed look over. I immediately started seeing things NOT satisfactory. There was a dented Hubcap and a big area underneath the passenger door, which hadn't been painted.
A day or 2 later, I am called again. Supposedly my Rodeo was ready again. I get there and again started to do my detailed, scrutinizing lookover. I don't think I even got to see the Engine Compartment by the time I quickly pointed out to the Service dude, "Look here! There is some over spray here on the dashboard." The dude goes, "Oh, Okay. Hold on. I can fix that." He goes away and comes back with a rag and starts wiping the over spray. It wasn't fazing it one bit. So, he goes, "Let me go get something stronger." Now he had who knows what on that rag. It must have been some Gut Juice from that creature on the movie Alien
A day or 2 later, I am yet again informed that my Rodeo was ready. Déjà vu. I did my usual detailed inspection. It was Showtime! I opened up the hood to check the Engine Compartment. I guess Service dude didn't want to risk me talking to the Big Cheese. They HAD cleaned the Engine Compartment.
In the coming week, I'd intermittently hear some mysterious rumbling as I would drive at high speed. Finally on the 13th day after having had my Rodeo back from the Shop, it definitely made a horrible noise as I was slowly backing out at my place. I called the Shop and they towed it back in. A day later, between the brainless Jackasses at the Body Shop and an Inspection Idiot from State Farm Insurance … they came to the conclusion that I "drove over something" and bent the drive shaft. I was like, "WHAT? My Rodeo's been in an accident where it got a solid SMACK on the side and after I've had it for only 13 days, the drive shaft turns out to be bent … and you can't connect it to the accident?" The Body Shop Quacks and the inept, slithering Reptile of an Inspector from State Farm Insurance held their ground that their vast years of experience indicated I drove over something.
Some days later, I am informed AGAIN that my Rodeo is ready. I performed my umpteenth inspection on it. I had barely driven half a block off the parking lot when the Low Fuel Light comes on. WTF? I used to never let my Gas Tank get lower than half way. And I distinctly remember having had ¾ of a Tank of Gas when my Rodeo went into the Shop. And now the Gas Tank was empty! Why those Lowlife Gas-stealing Scoundrels! My first thought was to go back and point blank accuse them of Gas Theft. But, I was sooooo Fugging tired of seeing that Service dude's face and anyone in that place for that matter, that I just decided, "Fugg It! Let it go. Let it be. Take the loss and keep driving." I had to fill up the tank when I KNEW they Ripped Me Off! I immediately went and found me another insurance and kicked the clueless State Farm Insurance Highway Robbery, Extortionist Experts to the curb.








1 2 Next »
Lovinmalamutes # 1. June 2009, 05:13
What a pain that the insurance company, or at least your agent didn't fight for you.
Linda # 1. June 2009, 05:22
That means that insurance is mandatory, but poor people or people with bad credit have to pay more than people with high credit scores. That stinks to high heaven and makes it tough for low income families to have insurance. If you ask me it is a conspiracy between the state and the ins. companies. Damned if you do and damned if you don't!!
Sorry, Chuck, but you pushed one of my buttons.
PainterWoman # 1. June 2009, 12:13
Lovinmalamutes # 1. June 2009, 13:28
SummerAngel # 1. June 2009, 13:50
Pam, a whole year before you can have medical insurance? Most insurances do not pay on pre-existing conditions until after a two year period. Does this mean that it will be almost three years before the insurance will pay anything on a claim if it is submitted for an illness they determine to be pre-existing?
PainterWoman # 1. June 2009, 13:58
I only work part-time now and pay for individual insurance. It's almost $1000 every three months. My age is a factor, of course. It's always more the older you get.
SummerAngel # 1. June 2009, 14:15
You have to pay over $300 a month for medical insurance? Wow, with the cost of gas and electricity, you are fortuneate to only have to work part-time.
SummerAngel # 1. June 2009, 14:20
Your activity feed is currently empty because you have not yet subscribed to any items. You can easily subscribe to blogs, photos, and more by clicking the subscribe button next to each item.
I have subscribed to several blogs and they used to appear when I clicked the home button.
PainterWoman # 1. June 2009, 14:24
SummerAngel # 1. June 2009, 14:39
Our union has allowed the company I work for to hire temps at a little over a third of what they pay regular employees. They have trained them to do EVERY job the regular employees do. We have a contract coming up in less than a year. I fear the union officials have made a grave mistake. This may be the end of our union, good benefits, and possibly our jobs.
We do need the temps, but the company should HAVE to hire them after 30,60, or 90 days, pay them more, and give them benefits!!!
Suntana # 1. June 2009, 15:26
Surprisingly, the paint job on the side has faired rather well. However, the Grill up front very early on got some pieces of paint chipped off from rocks hitting it.
My Insurance Agent turned out to be worthless. I don't understand what they actually do. For all those years that I was with State Farm, I always dealt with the Administrative Assistants up front. After the 2nd Inspector also deemed that I drove over something, I demanded to have a more thorough discussion with my Agent. We did NOT end up on good terms at all. When I looked him in the eye and tried to convince him I didn't drive over anything and that the 2 State Farm Inspectors were wrong in their assessment, all he could come up with was, "Life isn't fair." WTF?
Suntana # 1. June 2009, 15:42
$150 just for Liability?
Suntana # 1. June 2009, 15:57
Then on some other occasion, I had the more detailed Diabetes Test done. Some how I had understood I was going to pay for that. So, I waited and waited for the Bill. It never came.
So, I've lucked out with Medical Insurance. Of course, I've definitely heard about pretty much everyone else that I know, having major issues with Medical Insurance.
Suntana # 1. June 2009, 16:15
Actually, I had 1 very good experience with MetLife Auto and another Body Shop. Someone had Keyed or somehow scratched the Driver's side of that same Rodeo. I looked around at random for a Body Shop. There was one near where I lived. The Body Shop happened to be in my Insurance's network of approved Shops. I didn't have to deal with any irritating Red Tape BS. None of that, "Get us 3 estimates" BS. Without even knowing yet how much the Body Shop was going to charge, Metlife Auto just Bada Bing Bada Bang gave the Go Ahead.
Lovinmalamutes # 1. June 2009, 16:16
Suntana # 1. June 2009, 16:29
Right now I can't get rid of my 1 last Feed in my Photo Album.
People HAVE had to periodically resubscribe to Blogs because the Subscriptions do mysteriously disappear. Or the Subscriptions will be there, but they don't actually notify people of New activity. Friends also disappear from Friends' Lists.
You might try posting your inquiry on the appropriate Opera Forum. Someone might have the answer.
Kitty # 1. June 2009, 21:10
I'm glad nothing happened to you!
LanaBanana # 2. June 2009, 00:07
Two years ago I had a brand new Chevy Equinox (which I still have) and this time it was my fault - I was backing out of a parking slot at work and I plowed into a UPS truck. I hit the metal step on the truck and didn't even put a tiny dent in it, but my beautiful Equinox was smashed to death in back. I think it cost $5000 to fix, but it only cost me the $500 deductible.
My best crash story, though, was in a rental car. I was bringing it back after 10 long days on the road. I had filled it with gas and was too impatient to wait for the car in front of me to move, so I tried to squeeze through a spot that was about 1/2 inch too narrow. It was a dark blue car and I completely scraped all of the paint off one side. It looked worse that it was and it only cost $500 to fix. I turned in the claim to Mastercard, because I had rented it with a company gold card and I also turned it in to State Farm. Mastercard paid the $500 claim, and State Farm sent me a check for $500!!!
Linda # 2. June 2009, 00:43
Suntana # 2. June 2009, 01:49
Overall, Day-Um! They certainly like YOU at State Farm.
Suntana # 2. June 2009, 01:58
Some other people would have no doubt filed a lawsuit and milked that pain under the same circumstances.
LanaBanana # 2. June 2009, 02:12
SummerAngel # 2. June 2009, 21:26
Lovinmalamutes # 2. June 2009, 22:33
glenno # 2. June 2009, 22:41
Linda # 2. June 2009, 23:12
glenno # 2. June 2009, 23:31
Linda # 2. June 2009, 23:53
glenno # 3. June 2009, 01:56
Suntana # 3. June 2009, 02:23
Suntana # 3. June 2009, 02:25
Suntana # 3. June 2009, 02:37
But, you're absolutely right. Whenever possible, they use generic, 2nd rate and 3rd rate parts. Or like in my Rodeo's case, they should have replaced the Radiator Overflow Bottle as it got a crack on the part that hinges onto the side of the engine compartment. Apparently they must have figured the crack wasn't in a location so as to cause a Coolant leak. So, I'm guessing they probably just went, "Fugg It! Don't replace it."
glenno # 3. June 2009, 02:44
Linda # 3. June 2009, 02:54
Lovinmalamutes # 3. June 2009, 03:07
glenno # 3. June 2009, 03:23
though shalt rip off the punter every time
thou shalt not pay out on a claim unless ordered to by a judge
thou shalt sell the extra unneeded policy covering the client for impossible acts of nature
thou shalt profit from misery unless its your own
Linda # 3. June 2009, 03:34
thou shalt raise the claimants insurance premiums
should they dare stake a claim
thou shalt cancel the insurance if any way can
be found to do so after having taken about a
million dollars from them.
thou shalt raise premiums every year, regardless
thou shalt charge premiums according to customer's credit score.
glenno # 3. June 2009, 03:38
Linda # 3. June 2009, 04:00
glenno # 3. June 2009, 04:04
Lovinmalamutes # 3. June 2009, 12:30
Suntana # 3. June 2009, 16:27
Lovinmalamutes # 3. June 2009, 16:36
Linda # 3. June 2009, 20:38
Stacey # 4. June 2009, 17:43
Lovinmalamutes # 4. June 2009, 18:07
Linda # 4. June 2009, 19:59
Suntana # 4. June 2009, 20:13
You're not too far off the mark as to what my thought process was afterwards. I had 2 ways of thinking.
(1) Yes, just like you pointed out, it did cross my mind that had McDonald's NOT screwed up my order, I wouldn't have had to go back. Thus, those few seconds that it took to rectify the situation and fix my order, would have been the difference in me making it across the intersection safely.
(2) Had I NOT been a Pig
But, Shhhstuff happens.
Lovinmalamutes # 4. June 2009, 20:15
Stacey # 4. June 2009, 21:16