Jason's Honda Beat gets beat - The Carmudgeon Show with Cammisa and Derek from ISSIMI Ep. 81
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- Опубликовано: 22 янв 2023
- On this episode of The Carmudgeon Show, Jason tells Derek the sad tale of how Jason's Honda Beat got beat from behind a few weeks ago. Which then segues nicely into how while Jason ended up being ok, the Beat will also end up being ok due to the type of collector auto insurance Jason has on it... and you'll never guess which company he uses!
All this and more, brought to you by the Hagerty Podcast Network. 
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I'm almost willing to bet that Jason Cammisa frequently says, "If you'll excuse me, it's time for me to Beat off" when he departs in his little Honda.
This episode made me laugh, made me nostalgic, and made me angry AF within one hour. Nice emotional roller coaster. Glad that both you and the Beat are OK after the RAMming incident!
Hello? Hello, Dimitri? Listen, I can't hear too well, do you suppose you could turn the music down just a little? Oh, that's much better. Yes. Fine, I can hear you now, Dimitri. Clear and plain and coming through fine. I'm coming through fine too, eh? Good, then. Well then as you say we're both coming through fine. Good. Well it's good that you're fine and I'm fine. I agree with you. It's great to be fine.
If you are interested in history or the future of life on this planet you will enjoy reading Gambling with Armageddon by Martin j. Sherwin a wonderful book about the Cuban Missile Crisis. Dr. Strangelove is closer to the truth then most rational people might believe.
I found this a bit weird for a sec since that’s my name 😅😂
Thank you for this!
@@dannyferguson9415 Vasily Aleksandrovich Arkhipov, the USSR submarine commander who saved the world.
I literally Googled "Russian sub commander who saved the world" and he popped up as the answer.
17:17
I love you Derek, never ever change.
I got hit in my E30 years ago when it was on 'normie' insurance. Ended up eating the repair cost out of pocket and the car now lives on a Hagerty policy. Solid advice even if it isn't advice in this one.
THE most beneficial episode yet! Thank you! For those who are entering collecting, this info is invaluable.
I get the fetish for OE glass; my dad's E36 got broken into and that rear door corner glass isn't a match for the rest and it bugs me whenever I remember.
Imma make that right when it's mine 😬
“You can’t fight here. This is the War Room!”
This was an eye-opening episode. Unfortunately, I can't get Hagerty since my car's parked in a driveway instead of a enclosed garage in California, but if I do move and find that garage, oh yeah, you guys got me convinced on the better insurance experience.
I bought a built Land Cruiser for 15k. Had plenty of miles. It got totaled out and they wanted to give me $6,700 for it. I thought I had done it right by declaring all the modifications up front and paying additional premiums for the off road bumpers, roof rack, etc. They said no actually that was only for theft or vandalism. So then I disputed their number with a bunch of comparables for sale that were equipped similarly. No change to their number. So I hired an independent pre-loss adjuster for $320. $200 of that came from the policy itself. The guy did a fancy binder with photos and comps and said it was worth $15,300. GEICO immediately said yes. Best $120 I've ever spent. Kept the car minus the few grand buyout and got another 10k for it as-is. I agree with the assessment of "better to have that argument at the beginning."
Missed you guys last week!! Happy to see y’all back :)
Finally. We missed you girls!
17:19 Derek Tam-Scott has never been more relatable then he has in this moment 😂 sincerely, someone who also had to deal with poor driving fkkk heads running red lights and clipping my car last December
Jason, sorry to hear of your Vertigo. My mom suffers from it from time to time. Pills for a week usualy solve it but she has to lay in bed for the first day. Keep up the good work!
Now that DTS came out with the RS2 video, are we getting a wagon episode next?
And the long-promised Piech episode!
@@jimiverson3085 Maybe, just maybe, they are saving it for episode #100?
Glad to see y’all on this Monday! It makes being home with the flu a little less miserable.
Great one guys
I missed you guys, great episode!
Hope Jason gives an update on the situation with the Ram truck and the Beat when one is available.
A new carmudgeon show???? Best birthday present I could have asked for.
Happy birthday Josh
"You can't argue here, this is the war room!" Or something alike :-D
My E36 325is caught fire in the shop, we totaled it out with hagerty and we’re still lookin for a replacement, but y’all got me all nostalgic
I briefly owned Honda Beat that had been rear ended pretty badly. It still ran very well, but the subframe was tweaked, so the rear alignment was really bad, which made it dangerous to drive. I never could get it pulled straight
I've been listening to this podcast pretty much all day today and now I'm putting my collector/show cars on Hagerty. Your long-form advertising worked on me.
Jason, I wish I had your tenacity when it comes to fighting insurance claims. My baby is a Mk3 VW Jetta Trek 5 speed manual from 97. It's a 2 owner car-just me and my mom; I was brought home from the hospital when I was born in that car, so I draw a lot of similarities between it and your Scirocco and always love hearing your stories about it. That's why I was so devastated when I hit a patch of ice about a month ago then sent me careening into a concrete barrier going 30 on an onramp. Part of it is my fault for not having gotten my winter tires on sooner (I had an appointment scheduled that was supposed to take place the next day), but part of it was also whatever d**m engineer designed an underpass onramp banked downhill away from the inside of the turn. Bumper, fender, and front-right suspension damage. Dealing with StateFarm claims has just been a living nightmare, where exactly like you said, they've been acting like I'm their enemy, not their customer, and one of the worst parts has been getting a different person each time I call, and it being a game of chance if the person on the other end knows how to do their job or not. I honestly wish I never filed a claim with them in the first place. I'm just happy I've got it at a really good and seemingly honest body shop. Can't wait to have my baby back, and thanks for all the great stories.
I know exactly the area you're talking about so painting a picture with all the streets really helped for jason's story.
Calling Hagerty now, glad u ok JC, stay safe brothers.
I tried to get a Hagerty insurance policy for my Lotus Elan M100 but was told I'm ineligible because I park it in a parking structure that's open to the public. Living in the city my apartment doesn't come with a private garage, so a parking structure that's locked up at night is the best I can get. Guess I'm stuck with GEICO!
That’s fucking annoying
Try Grundy
Yeah, this episode hits a bit close to home. I had a Toyota Camry come up the onramp on the interstate last September, cross both lanes, and basically pit maneuvered me, then drove off along with the witness. Spun me out and put into the guard rail backwards. Totaled the 240z. All after a great day participating at two car shows and just going home. Not sure it can get much more random than that. Unfortunately Hagerty wouldn't insure the car as I can't store it under cover. We have hail in Colorado. Things kind of worked out, and I'm looking for a replacement shell to move the surviving parts over to. Then I get to spend thousands of hours again getting it back to where I want it. Every classic car owner should listen to this episode.
Hagerty covers my Beat but I have to pay around 1700$ for 11,000$ agreed value which sounds allot until I state that I explain that it is listed that I drive the car allot for half the year AND the ONLY cover it gets is a car fabric cover for the Fall/Winter Time. I think this is the MOST Hagerty will go to covering a car in such conditions.
Fucking sucks on the beat getting rammed but a great discussion on agreed upon value. I've been looking at getting an increased value and replacement value has been the topic of conversation because its VERY clean corrado with all sorts of parts installed on it with thoroughly sorted 3.6 VR6 swap.
I was able to get an agreed value for my Impreza coupe WRX swap project when nobody else would cover it for anything but a base model. Very happy with Hagerty!
@14:54 They aren't triangulating your phone. Phase II of the Enhanced 911 (aka E911) allows the phone to share it's GPS location with 911. You can disable it from your phone settings, but why would you? You just explained why it's so handy.
I was on the fence about getting hagerty insurance for my e36 until I watched this podcast!
This episode made me double check that my Hagerty policy was set to 0 deductible! I became a customer before this podcast was sponsored, but this episode was reassuring to hear
Glad you're back. Even though it may be unnecessary for most, an older F150 makes for a safe daily/foul weather/heavy traffic, ride.
Jason Cammisa curses like a sailor - none of which had been beeped out prior - so just let them flow.
@@grievuspwn4g3 So then the video was already in trouble because only one curse was 'beeped out,' which means the five or six that came prior are still there. And as far as RUclips's policies go, as long as your video is directed at adults I don't know if it makes all that much difference if a few f-bombs and whatnot are lobbed.
I used the "C" word and was asked to bleep it. All the rest of our foul language remains. :)
Jason, soooo glad it was the Honda, not the VW.
Hey Derek, I actually bought a 99 e320 when I was 21. 6 months later and someone rear ended it so I'm slowly parting out the car but I was probably the youngest e320 owner for a while there!
Only you two could make insurance interesting! When are you coming to Baltimore? When will the Citroen appear?
Damn, I wish I could get a policy like that here in Canadia. My $5000 e46 wagon with $30k in modifications deserves it.
Hagerty saved me when my 2800CS was rear ended back in 2005 or thereabout. The driver who hit me was insured by Allstate, who wanted to total the coupe and pay me something like $8k. The Hagerty adjuster stepped in and took over all the negotiation, and in a short time my car was being repaired. The body shop took over a year, which is a whole 'nutha story, but in the end the car was better than before the accident.
The music “Beat” in the Ram hits hard though
Random OE glass complaint, FK8 Type R, got a chip on the windshield and grew to edge immediately. First replaced with OE glass, 2 days later again a small chip and immediately grew to the edge, this time I just replaced with whatever Safelite uses. God knows how many chips I've had since in 2 years and never had the same issue...whatever Honda uses, terrible...
Hagerty should air this episode as a commercial!
I'd love to get a policy through them, but my car doesn't qualify. I need something older or more exotic than my 3 series first.
Glad everything is getting properly treated! Also is there anything even close to hagerty in Europe? I would very much be interested in that.
I added my Austin Healey Bugeye as a in progress restoration to my political with my E30 and RX7 and my yearly premium went down!
Ive been a State Farm customer for 30!years. Always gotten great service. I’ve compared between the classic policy we have on my wife’s 73 Grand Am between SF and Hagerty and Hagerty is $30 a month more expensive for the same agreed value policy. However, I haven’t been pleased with the process for classic insurance (for one thing they’ve classified it as a Lemans and won’t change the model designation) and am considering switching it to Hagerty just for our classics.
The most important thing I’ve learned from this episode is that a dream car will be a nightmare car until I have the income to properly support it and afford coverage. For the time being I shall only pursue daydream cars, things I would like but not be fearful of running or unable to properly cover
1- That entitled Ram driver has NO idea the Grizzly she's poked. Yikes. Hoping the financial and legal punishments teach her (and her ilk) a lesson. And we hope the Beat comes back good as new.
2- Cammisa and The Hyphen should get Hagerty "organizational credits" for all the people they've helped become aware of Hagerty's business and philosophy. They're the reason Hagerty now insures our little collection - and I hope more enthusiasts see the light.
3- Perfect examples of Agreed, Replacement, and Stated Value differences.
4- Keep up the great work - you help fellow enthusiasts feel like we're not the only ones around us who appreciate this hobby.
Love the Podcast and anytime I hear these I am entertained and informed.
I work, I have young kids, I have my wife’s mum staying with us. I don’t get a lot of down time each week.
It’s such a pleasure to sit down once a week (ish!) to listen to you guys talking shit for an hour
Whoa seeing that wrecked E46 the last thing I would have thought was that the unbuckled passengers lived! Kudos to BMW's safety engineers on that one
I'm a Hagerty customer, and I find them incredibly good to deal with. If only all businesses were run that way.
Having had to deal with aftermarket garbage windshield replacements before. OE glass is always worth it.
Suggestions on how to properly insure a car that you daily drive?
If Hagerty insurance was available in Italy I would definitely consider it
I have a car which has seen a massive increase in its valuation over the past few years, a car that I bought before starting university because I didn't think I would be able to afford it after finishing school for a long time. Unfortunately, Hagerty insurance requires a minimum age of 25 in my province, and very few companies insure right hand drive vehicles. I have two JDM cars, one is the daily driver, and is insured with one of the cheaper insurers available through my broker because they would insure a right hand drive car. I desperately want a Hagerty insurance policy so I can just protect my car from harm. Why Hagerty offers NOTHING for someone under 25 is beyond me, even a policy that'll cover the car as it sits and is undriven...
Also, many JDM cars lack metal bumpers.
Your title made me wonder what the discussion would be about
Jason made me feel better about being pedantic about where/when and who you drive your pride and joy around. It brings back terrible memories of a similar situation in 2004. Driving my 63 Sunbeam Alpine i got " Pajero"ed. Lady driving erratically like lost in her mitsu Pajero.. I kept my distance. Pulled up behind her at the lights. 10 seconds pass and her reversing lights come on.
I honk..yell ...wave arms .. Reverse back until im about 4 ft from the car behind me...she starts to turn and CRUCH front right corner of my car punched.
Jumped out..photographs immediately on my 640x480 sony phone.. Then to her window.. She apologizes.. Says she didnt see my small car.. She admits to reversing into me and put it on a voice recording... I then qucikly get the guy behind me to confirm he saw what happened.
Her insurance company send me to their reparier, when i go to pick the car up the front bumper has veen straightened but the recrome is terrible, the brackets are still tweaked. The front right wheel arch lip is "fat" clearly blemded into the guard with filler. I raise all issues and they tell me its an pld car and its as it should be.. I show them the other 3 guards sharp lip profiles and get told all old cars have variation. Also they didnt seal the engine compartment and the engine bay is covered in sanding dust and overspray in the bonnet drain channel. I Refused to take posseison.. Called the insurance company assessor to meet me.. Had 3 photo albums of photos with closeup shots of the guards ( lucky i took the artistic closed up side profile pics) insurance agreed to get it redone... But at same place... I of course refused... Ended up waiting 6 months to finally get them to agree to another repairer. But couldn't take the car until they agreed..of course when I picked it up to take to the New shop my car was covered in 6 months of shop crap....
Having a company that can make sure your car is repaired by a restoration shop ..Not a "crash repair" place is essential
This should be felony for sure...
Yes Statefarm is going to partner with Hagerty. Heard sometime this year, after switching my 2 classic cars to Hagerty from Statefarm. What a wonderful experience so far with Hagerty and for less premium! Reluctant if it means I no longer will speak to Hagerty on the phone. Not sure of the details. Basically so that Statefarm can do agreed value policies. Love dealing with Hagerty.
Anyone have experience with State Farm’s antique classic insurance? Do they keep to their word when it comes to paying out the agreed upon price
My father worked in the insurance biz: ALWAYS get the proper coverage. Yes, you'll pay more but that one day when you need to file a claim, you'll be super happy that you paid an extra $30 or $50 a month vs getting cheaper insurance that ends up ramming you up the ass more than a truck driving chick in San Fransisco (too soon?).
An important lesson about car insurance that I learned the hard way is what happens when you are hit by a drunk, uninsured, (shithead) driver. If you are injured in such an accident your only recourse for recovering incurred losses is entering in to arbitration with your own insurance company. In this event your potential coverage is dependent on the limits of your own policy. So if you have low limits for bodily injury, and property damage this is where you can potentially get screwed. Keep in mind that any lost wages, legal fees etc... all need to be covered by your policy limit in addition to whatever medical bills and injury you might have.
Cammisa is missing out, Dr. Strangelove is an absolute classic.
Wow. The OCD of fear & routes is awful....
As a Brit, one of the many many things I find scary about the US is that even if you win a lawsuit, you have to pay your own costs - in most places, if you win, the loser has to pay your lawyer too
Could you guys put time stamps?
there was no clap? I need a clap! How can the video start without a clap?!?
The only clap in this episode is the one that Hyphen caught being busy in bed the morning of the January 1 rally. 🙈
REPLY
The best, when are you going to do episode about Renault and especially now dead RS cars, that are going to be Alpine branded form now on. Greetings from Slovenia 🙂
Shit...
I havent been hit in a bit, but FIRST thing I do is get a shot or 2 of the vehicle. Left front and right rear.. also the VIN and the PLATE. Then we can go from there.
Ya always gotta be on your game. Cant get ya guard down for a SECOND!
Wish this came out when I hit a deer in my mint 190E and insurance fucked me and now the cars gone😭😭
I think that when you are overprotective, your chances of crashing are likely higher.
Never stop driving, but don't break down in the desert if you're going to rely on Driver's Club for a tow ;)
I have State Farm and Miata was my baby, got Rammed also ( also hit and run), car fixed, but never the same. Most people would be ok, but I noticed everything. State Farm fair, but if I owed a classic car would go haggerty. State farm always fair in my claim history.
That E46 shot pains me to say the least
I only have one car it’s just a shitty Yaris but I’d LOVE to have a hagerty-like insurance policy. Zero deductible, zero headaches, zero BS, just peace of mind. I’d love that.
How are you paying for this much insurance? I had two cars and my check was getting drained from insurance
@jasoncammisa can you please point me where you found out info on the crystal in your ear thing causing dizziness? i know with your personality you would have OCD'd it to the infinite extreme. My wife has been stricken with this exact same diagnosis for the past 12 years we have been married! It's crazy that finding anyone that knows anything about this seems to be really rare! EVEN ENT SPECIALISTS!!! pls pls hope you can reply!
I started driving the day I could start legally drinking (passed my licence on my 18th birthday).
I refused to drive until well late into the next day after drinking I was so concerned about potential causing an accident and also being caught over the limit.
I am not impressed with drunk drivers. Not one bit.
I live in Md there is a little Honda Beat down the street from me on Rt 1 if your interested I believe it's for sale. Has a Japanese front plate and is clean I 🤔
The bicycle came away unscathed
cammisa's rear received a ramming
way to go Jeff.
please post the video!
Oh Jason you have to post the video. If she's not getting charged for this, she has to be humiliated.
So jason she injured you.. so now it should be a felony
I was thinking the same, vertigo should be some sort of injury, right?
YOUR BACK!!! ❤❤❤
Almost didn’t recognise it without the hyphen
I hope my favorite thing in the world - r33 will get fix after somebody violate the right of my way :( such a loss of perfect car
I wonder if people say “my ass got ramed” more in San Fran or Vegas.
A young woman, in a full size truck in San Fran in the rain. I want to know how she ended up there.
She was probably angry at someone else or a group of people and took it out on you. Lovely
Ooh Vertigo... I had a severe vertigo episode in 2019 installing a swaybar. It was so bad I was scared I would never be able to work on a car again :(
Took two months go go away. Came back again for a month 2 months after that. Then for 3 weeks. Then 2 weeks. Finally went away for good mostly, I think the aspirin I was taking was the main cause.
What? In america if you sue and win you still have to pay your fees?
Jim Baker.
The only "safe" place for Jason is an island
Jason, that's a horrifying story about your mom's BMW. Jeez.
sounds like a Madison....
"Nobody is there f-ing around in a Mercedes" - ummmmm