AutoMuse®

February 28, 2007

The Great Gray Beast…

Filed under: Automotive Industry, Consumer Issues, Used Car Review, Currently Driving — E L Eversman @ 3:04 pm

“… February had eaten Harvey Swick alive.  Here he was, buried in the belly of that smothering month, wondering if he would ever find his way out through the cold coils that lay between here and Easter.”  Barker, C. (1992). The Thief of Always.  New York:  HarperCollins.

In the middle of the month, I felt eaten alive by the unrelenting snow that made traveling, even short distances, a dangerous endeavor in a 2001 Jaguar S-Type.

At the risk of having everyone think I am a terrible driver, I found myself driving cautiously down an eight lane highway.  At first, things were fine, the roads were clear at my starting point.  As I worked into my destination, however, things deteriorated rapidly.  Snow began coming down in swirls, the road became increasingly think with accumulated snow, and I felt the unpleasant free-fall effect of the steering wheel when you know your tires have lost any contact with the pavement and the rest of the trip will be an adventure.  After spinning 360 degrees across four lanes of traffic, recovering only to have it slip again, then scudding up against a (thankfully) snow-laden guard rail, and a few additional non-damaging mishaps, I decided that the best course of action was to exit the highway as soon as possible, find a safe place to leave the car, and spend the rest of the afternoon in the nearest bar.

You might wonder why any of this is relevant, other than to point out you might not want to drive with me in a rear-wheel-drive vehicle in a sudden snow storm.  Well, it points up an issue to which I think car makers should give real thought.  Why are they insistently designing rear-wheel-drive cars without the option of all-wheel-drive?

Last year, I wrote about how the all-wheel-drive X-Type Jaguar deposited me safely at work after a blizzard, while other vehicles littered the banks and median of the highway.  The X-Type is a wonderful car to drive, and my only objection to it is that it looks like a Buick rather than a true Jaguar.  On the other hand, the S-Type looks like a genuine Jaguar and is a delight to drive in dry conditions.  Give it any bad weather, however, and you’re in a whole different territory.

Jaguar (well, Ford) doesn’t manufacture the S-Type with AWD.  How silly.  They make the X-Type in AWD, but not the S.  While I understand about concerns for fuel efficiency and weight that are often behind some design considerations, I would be happy if we had the option for more AWD luxury vehicles. 

At a time when we have an entirely new generation of drivers that didn’t grow up driving and haven’t been trained to deal with rear-wheel-drive, the auto makers are returning to rear-wheel-drive in droves.  I haven’t been caught in a snow storm in a rear-wheel drive, automatic, sedan in decades and can tell you that I had some moments when I felt the Jag. slip, thinking, “Now you turn into the spin because that points the drive wheels. . .”  It was like doing Algebra at the most inopportune moment, and I’m still not sure I came up with the right answer for X.  Suffice it to say, it wasn’t the type of surreal, time-suspending thought process I wanted to be having at a moment when I could end up killing myself or someone else.  Luckily, that didn’t happen, but it easily could have.

Attributes:  

  • 2001 Jaguar S-Type 3.0
  • Navy blue out/beige leather in
  • 3.0L, V6 engine
  • sport package
  • power package
  • heated seats
  • moonroof
  • 32,600 miles

February 12, 2007

Blawg Review # 95

Life is a highway.   Yes, it certainly is, and because of that, the law and cars seem like such a natural fit.  After all, you have rule framework for driving a car on any given highway – just like you have rule framework for being a citizen, living in a given place, and pursuing happiness.  The actual and metaphoric highways mesh.


Satisfaction Surveys are Just Big Lies:

Stephanie West Allen at the idealawg posts an insightful look at consumers’ responses to satisfaction surveys.  Do clients tell the truth when surveyed about satisfaction? The brain knows and it might be telling.   The study West Allen cites to notes that people often fail to tell the truth when responding to satisfaction surveys.  There is an interesting adjunct to West Allen’s post which is the issue that our bodies and brains often know and react to things long before our conscience knows anything. Anyone who has read Malcolm Gladwell’s “Blink” knows that the adaptive unconscious is usually far out in front of our laggard conscious minds when it comes to making determinations on anything.  Therefore, the question that arises about people’s responses to satisfaction surveys is whether they are intentional or unintentional falsehoods.

Which brings me to a very important issue.  Automotive News($) published a recent J.D. Powers survey involving only 5,752 consumers who had been involved in collisions and addressed their satisfaction about the repair experience.  The survey results suggest that people are happier with the collision repair experience when using insurer “direct repair program” shops or when they have received a referral from an insurer.  Part of the rationale given in the story in Automotive News for why consumers feel better about insurer recommended repair shops is that insurers investigate them and insist that they have the latest model equipment and best-trained technicians.  Holy cats, is that a sell job, because it is absolutely untrue.

While insurers put things in these direct repair program documents that say a repairer has to have the right equipment and training, that’s all for show in the event the AG’s office or some other consumer protection group gets hold of them.  The bottom line is the insurers could absolutely care less if you are using chains behind your repair garage to pull vehicles’ unibodies into alignment.  Insurers only care about getting a repair job done as cheaply as possible, and, often, if they can twist the repairer to perform an unsafe, but cheap, repair, they do it.  I would love to tell lawyers how many times I have seen insurance company representatives write an estimate of repair that calls for the “clipping” of the vehicle.  Clipping is the industry slang for “cutting the car in half horizontally, throwing away the damaged half and welding a salvage yard total-loss half onto the consumer’s vehicle, and handing the customer the keys.”  Ta-da!  And guess, what folks?  In the vast majority of states, that practice is not illegal.  Unsafe?  You bet.  Illegal?  No.  And the insurers’ attitudes about practices like these?  “No one says we can’t do it, and if it’s going to save us a buck, we’re going to do it.”  and my personal favorite, “We don’t repair cars, we just pay to have cars repaired.” – even though insurers dictate how vehicles are to be repaired to collision repair shops every day of the week.  If you are a collision repair shop that stands up for the consumer, insurers make your life a living hell.  And, they make the lives of consumers who try to patronize the responsible collision repair facilities hell as well.

You can see, therefore, the complete lack of value of the J.D. Powers survey.  The only reason those customers are satisfied with the insurer’s recommendation is because the insurers tend to leave shops in their “networks” alone and don’t play games with them by browbeating their customers, refusing to pay for necessary repairs, deliberately delaying sending an adjuster to review the damage for two or more weeks, and other lovely games.  And why do they leave the network shops alone?  Because those collision repair shops have signed documents that trade away many rights of the customers (unbeknownst to the customers), agree to use inferior parts, use salvage parts (including salvage airbags), and agree to fully indemnify the auto liability carrier for anything (negligence, intentional acts, diminished value, attorney fees, titling problems — oh yes, some of those clips are “front end” clips.  That means the VIN on your dashboard is a salvage vehicle VIN and no longer matches the registration or title of your car.)  Anyone who takes the insurer’s recommendation for a collision repair shop is asking for trouble.

Along those lines, Eric Turkewitz of the New York Personal Injury Law Blog posts about Anderson Cooper’sstory on Allstate Insurance and its aversion to actually paying claims   No, really?

John Shortell of the BodyShop Solutions blog has an enlightening post called More From Inside Nationwide.  A Manifesto That Threatens Termination for Appraisers Who Fail to Get With The Program about the realities of how insurers treat consumers, collision repair facilities, and their own employees.  Shortell even posts an email from a person identified as Paul J. Connell, Materials Damage Claims Associate Director ratcheting up the pressure on claims personnel and body shops.  Anyone who practices in the personal injury area will find Shortell’s post eye-opening.  As a final thought, PI lawyers, are you aware that many insurers use the cost to repair the vehicle as the basis upon which they offer soft tissue bodily injury claims settlements? So, you can see the additional incentive insurers have to keep repair costs as low as possible. 

Accidents:

In my day, babysitters earned about a dollar an hour.  No one paid social security, worker’s comp., or insurance – but that’s probably changed.  And if it hasn’t, maybe it should.  The Orange County Personal Injury Lawyer blawg recounts a sad tale of a babysitter who hit another car killing someone while picking up his employers’ youngest child from school.  Needless to say, the decedent’s family sued the babysitter but also sued the parents/employers.  Vicarious liability isn’t anything new, but how many times do even lawyer parents, desperate for a night out, stop to think, “what are the potential ramifications of this employment activity?”

David Giacalone has some meaningful information for people involved in accidents who want to handle the matter without the assistance (and cost) of an attorney.    DG must have a great sense of humor as the blawg is titled:  “shlep - the Self-Help Law ExPress”.  He also has an excellent post on how consumers can protect themselves in a used car purchase.  Although, Giacalone’s post contains much useful information for buying vehicles, the gigantic problem with the whole used car world is that there are NO standards dictating how vehicles are permitted to be repaired and NO used motor vehicle standards dictating “lifecycle motor vehicle safety” throughout a vehicle’s lifetime.

 J. Craig Williams from May it Please The Court reminds us that if you ski and get hurt, nurse your wounds and go home.  Assumption of risk is still the word of the day on the slopes, and suing the ski resort just makes you look stupid as well as clumsy.

Just Pull over and Keep Your Mouth Shut:

Carpundit says it like it is, and I just love that.  CP reminds sassy Harvard Law students that, in fact, Big Daddy Brother does have jurisdiction over any punk on the road and it really doesn’t matter if it’s a state road or a local one.  CP’s tip of the day for drivers: “when you see the blue lights flashing, pull safely to the right shoulder and come to a complete stop.  In the words of Chris Rock, If the police have to come and get you, they’re bringing an ass kicking with them.”   Jamie Spencer does a neat job of digging through the law to find out if a client committed a traffic violation by performing a U-turn at a location posted only “No Left Turn”.  I have to admit, trying to piece together state law and local ordinance is often a nightmare, and it makes for some wacky results.  This is an interesting read over at the Austin DWI Lawyer blawg.

Go Green!   The Green Business News brings us news about recent enactment of laws in the U.K. that require vehicle manufacturers to pay for the safe and environmentally appropriate disposal of motor vehiclesAutoblog reports that the President has finally drafted some fuel economy legislation which would allow regulators to demand higher mileage standards from automakers.

Government Officials We Think Have Drive or Have Job Openings

 The AutoProhpet lauds Michigan AG, Mike Cox, for doing what every state should do — ban those stupid (and inaccurate) red-light camaras.  Boy, talk about a total walk around the hearsay rule.

The Antitrust Review points out a bunch of job openings in that easy-to-parse-through land of antitrust law.  In addition to which, the AR tells us that the European Court has upheld a Beer Cartel Fine.  Look, if the U.S. can finally “free the grapes” and let wineries ship directly to consumers, then I think the European consumers should be entitled to “free the hops.”

Revelations (Oh, my goodness, it’s just what I wanted):

GAL of the Greatest American Lawyer has toyed with revealing his (and I do believe it is a “his”, although GAL may be more of a hint than one might imagine!) anonymous self.    There was even a contest, closed yesterday, winners to be announced early this week.  GAL begged not to be outted by those in the know until post-revelation.  OK, I’ll give you all a real heads-up.  It’s me!  Why do you think I’m hosting this blawg review?

Also, anyone interested in what interests gay people in the world of automobiles must visit Gaywheels.com which bills itself as the “gay-friendly automotive resource”.  The Truth About Cars has a fun dish on some woes at ToMoCo (you know, Toyota Motor Co.) involving “memogate“.

Vorsicht bei der Abfahrt  (Danger, Will Robinson, Danger!)

Overlawyered keeps us up-to-date with warning labels the whole family can enjoy, while Jonathan B. Wilson comments on a Georgia Social Networking Bill designed to keep minors safe.

Joe Sherlock of The View From Behind The Windshield warns about property loss damage that can occur to your car just by going through an automated car wash.

Nicole Black of Sui Generis–a New York law blog warns of issues involving ethical issues involving NY’s lawyer advertising rules and their application to a home office. Diane Levin of Death and Taxes Blog talks about her thoughts on Associate Salaries.

Heresy (I prefer to take the bus, thank you very much):

“Blessed are the few of words, for they will be welcome anywhere.”  Lawyers talk too much (just look at this Blawg Review!)  If you don’t think so, marry one.  Imagine if other professions bored spouses and friends with the minutiae of earning their daily bread, e.g. “Then I typed the letter “q”, then a “u” . . .” or “I put the strands of DNA, that I had previously teased from the extracting solution, into a test tube . . .”  Honestly, how does the rest of the world stand us?  But now I have a hero.  His name is Donald A. Van Sullehem.  And courtesy of the (new) legal writer,  Here is his elegant response to a brief, and one which, if I weren’t so much of a coward, I would have written in some of my own cases.

Brief in Opposition to Plaintiff’s Motion for Reinstatement
Plaintiff has got to be kidding.
Respectfully submitted, Simpson & Moran, By Donald A. Van Sullehem, Attorneys for Defendant, Birmingham, Mich.

Basquette talks about why blogging isn’t for everyone in put down the blog and step away from the computer, ma’am… and Charles H. Green emphasizes the power and beauty of silence at the Trust Matters blawg.

By a whisker (as in, “I just missed that guy by a”):

Julian Ku discussed the hang-up concerning the words “annihilation” versus “genocide” in the debate over the mass killings of Armenians during the Ottoman regime in Turkey.  Ken Adams of AdamsDrafting really splits hairs over the use of the words “termination” or “expiration” in contract drafting. 

Warm and out of the wind (if it’s a convertible, the top is up):

The Wired GC takes aim at the Government Accountability Office for being miffed that the DHS counsel wants to review documents before production and be present at employee depositions. Stephen M. Nipper of The Invent Blog gives us the happy news that PayPal is trying to compete with Google’s new “Checkout” program by offering a $15 rebate on goods purchased from participating retailers.  Luckily for us, some of those retailers include purveyors of law books and legal aids.  Where the heck were these companies when I was in law school paying full bore for every book I had to use?   Sox First continues to report that Citigroup has its hands full trying to defend itself against the allegations of the Australian Securities and Investment Commission that it engaged in insider trading and failed to manage conflicts of interest.

Grievances (Why the hell didn’t you fill up before we left?):

J. Daniel Hull of What About Clients?™ flares about whether lawyers are delivering real services to clients in an economy that now seems exclusively about selling services on a global level.  Hull’s comments immediately reminded me of a fascinating discussion my friend Leon Polott of 5iTech and I had when we were the Chair and Vice Chair respectively of the Cleveland Bar Association’s International Law Section.  At the time, Leon and I discussed the client zealous representation and potential ethical issues arising from the ever-present (and in use) bottle of Vodka on the meeting table in a Russian negotiation.  At what point should there be a different code of conduct and professional responsibility for lawyers representing clients internationally?   

S. Alan Childress points out the grandstanding, childish, and jerry-springerish activities that some judges have begun to exhibit in their occupation of the bench. While paid participants in the legal world continue to pay lip-service to concepts of professionalism and collegiality, the migration of the practice of law to the business of law rewards those who can draw the most dollars by their outlandish behavior.

My own grievance, of course, is that issues I care about are once again being upstaged by that minx, Anna Nicole Smith (aka Vicky Lynn Marshall).  It’s bad enough that the U.S. Supreme Court deemed her dispute over her ancient deceased billionaire husband’s estate to be more review-worthy than a genuine issue over the denial of due process and question of the propriety of a state supreme court justice casting the deciding vote overturning a billion dollar consumer judgment against one of his supporters, State Farm.  Now, the week I am hosting blawg review, she dies, leaving questions about the cause of death, the paternity of her new baby, and the quagmire of her former husband’s estate and her own.  As a former probate, trust, and estate trial lawyer the latter is undeniably appealing to me.  Nonetheless, couldn’t ANS/VLM have done this on someone else’s watch?  I think I will have to take this personally.

Tune in Next Week


Blawg Review has information about next week’s host, and instructions how to get your blawg posts reviewed in upcoming issues.
 

February 6, 2007

2006 Mercedes C280 4Matic

Filed under: Automotive Industry, Used Car Review, Currently Driving — E L Eversman @ 4:54 pm

Right off the top, I have to say how much I like driving vehicles that have 4-wheel or all-wheel drive.  Why?  I suppose it’s because the weather in Ohio is always unpredictable.  It snows when it’s not supposed to.  It’s 50 degrees in January.  You just never know.  Last year, I fought a 3 inch dump of snow in the first week of May while driving a Corvette Z06.  There I was trying to make it down Route 77 with everyone mincing along at 30 mph; I’m fuming and spluttering, “Don’t you people know this car has to keep up momentum if I’m ever going to get to where I’m going?  I can’t drive 30!”  Then, once off the freeway, I got to take it up a nice, steep grade — slipping, sliding, big fat tires cha-cha-ing their way ’round the snow.  It was NOT a pretty sight.  I redefined the “slippery slope” that day.   Any sane person would think that snow was nigh impossible in Ohio in May, but no.  Our weather Goddess got the idea that her daughter had gone back to the underworld, so she punished us some more.

 But I’m off track.  The 2006 Mercedes C280 is a very nice vehicle.  It’s sleek, most things are right at hand, it’s easy to figure out how to work the CD player.  Even the seat belts are comfortable.  That’s something I’ve noticed in different vehicles lately.  Sometimes the seatbelts imprison you or cut across too high toward the neck area and are just downright uncomfortable.  It is spacious without being huge or ungainly, fits in parking places without too much worry about door dings, and has back seat amenities including an adapter port for kids’ games or co-workers’ cell phone chargers.  No, this Mercedes is very comfortable, and the all-wheel drive action is smooth.  Sometimes, an AWD can chunk when you switch from rear to drive making you think you’ve got a terrible transmission problem.  The C280 does not have this issue.

However, it has two issues that drive me absolutely crazy.  Although the C280 I am driving has a power lumbar support and seat back direction for the driver’s chair, you have to manually adjust the seat closer or farther from the steering wheel, and there is a separate hand wheel for for cranking the seat portion up or down, which is hard to operate and can’t realistically be operated without the driver’s door being open.  The other thing I find completely unforgiveable is the placement of the cruise control.  On the lower left side of the steering column is the turn signal indicator/windwhield wiper stalk.  Immediately above that on the left side of the column is the cruise control stalk.  Although thinner and not as long as the signal indicator, it is almost impossible to activate the turn signal without bumping the cruise control on, and I have yet to put on my turn signal without engaging cruise.  It’s so annoying I want to rip the cruise stalk off of the steering column.  Of course, there is nothing on the right of the steering column at all.  Go figure.

Now, I understand that cars are complicated things with wiring, structural, body design considerations, etc. and I am willing to accept that there may be a perfectly good reason for the placement of the cruise control stalk where it is.  But until DCC explains it to me, I’m going to complain about that darned thing and malign the unnamed idiot who put it there.Š

Attributes:

  • Dark blue out/Beige leather in
  • Automatic
  • Moon roof
  • sunshade package
  • power windows, doors, partial seats
  • heated seats (front and back)
  • Radio/CD player
  • glove box CD changer
  • 18,200 miles
  • all-wheel drive 

February 2, 2007

Illinois AG examining insurer/repairer relationships: Knowing Who is Sleeping with Whom is Important

Don’t we all think it’s important to know who actually benefits from side deals before we give any company our business?  You bet we do.  I don’t think anyone liked hearing that commercial customers were paying substantially too much for insurance because of insurance broker/insurer arrangements that paid enormous commissions for fraudulently placing insurance with certain companies.  It makes us all wonder if we are really getting a good deal on our individual insurance, too.

So, it’s about time some regulatory entity looked at the relationship created between insurers and collision repairers by “direct repair programs” that consumers are vigorously encouraged to patronize.  The Illinois Attorney General’s Office, Department of Consumer Protection is looking at the agreements insurers get repair facilities to sign to become members of the insurers “network” of “preferred” shops.  Insurers push consumers to these network shops for reasons that are good for the insurer, but not necessarily good for the consumer.  To get into these networks, repair shops have to agree to give the insurer discounts, look for “betterment” (i.e. the flip side of diminished value), agree to use aftermarket (non-original equipment manufacture), salvage, or rebuilt parts, and/or agree to indemnify the insurer.  The scary part of the indemnification provisions in many of these agreements is they require shops to indemnify the auto insurer for anything relating to the claim.  That could mean intentional acts, attorney fees, inherent diminished value payments — all things not associated with whether the repair properly fixed the car.  Most importantly, the way insurers market these networks is to tell customers how beneficial it will be to the customer — which may or may not be the case.

Certainly, an insurer will tell you that an adjuster will address the claim right away and you can get the repairs underway immediately.  OK, that’s probably good for both of you.  It saves the insurer money on the rental car expense and helps the customer obtain a prompt repair.  Yet, sometimes the insurer uses this languange and deliberately withholds sending an adjuster to a non-network shop to impress upon customers how difficult it will be if they choose to have their vehicles repaired at these non-”preferred” facilitites.   Nonetheless, insurers also typically say that you get a guaranteed pick-up date and that they will guarantee the repair.  Well, that may sound good, but is it?

A guaranteed pick-up date is good for the insurer because it allows them to minimize rental car expenses and have certainty in the reservation of the claim.  However, the insurer often determines how long it thinks the repair should take, not necessarily how long a proper repair must take.  Customers assume that when they pick up the vehicle it has been repaired correctly and safely — which simply may not be true.  Because the repair shop has to absorb any additional rental car expenses or other fees if they go over the projected ready date, they have every incentive to push the customer’s car out of the door by the pick-up date, ready or not, safely repaired or not.  What if a part is on back order and it will take two weeks to obtain the necessary part?  Again, the incentive for the shop is to find something, anything, that will substitute for that partt rather than be penalized by the insurer for failing to meet the deadline.  Overall, the danger to customers likely outweighs the benefit of an artificial pick-up date.

Then there is the warranty/guarantee the insurer promises.  Virtually all body shops guarantee their work.  After all, just how long would a repair shop stay in business in a free market economy if they didn’t satisfy customers?   (Of course, this has changed completely with insurers selecting repair shops because they don’t necessarily reward for the same things consumers do.)  So, this alleged guarantee is nothing new, other than the fact that the insurer now says that it guarantees the repair.  Well, the insurer typically sends the customer back to the same body shop if there is a problem — which is what the customer would have done if they had selected the repair facility.  So, insurers are piggy-backing on existing repair shop guarantees. The hard part is to get an insurer to truly honor one of these “repair guarantees”, rather than just dumping the problem back in the lap of the customer and the body shop.  Of course, the obvious question is, how well do you think the repair shop that butchered your car in the first place will fix it the second time around?  Or the third? Or fourth?

Illinois AG examining insurer/repairer relationships - Consumer protection statutes are center of the debate - ABRN (Automotive Body Repair News)

Next Page »

Powered by WordPress