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By [email protected]
I have a 2 bay facility that I rent and one employee plus myself. I was quoted about $2346 per year for both general liability and garage keepers from Liberty Mutual(using CoverWallet as the broker).
- General liability was $1,032 per year if paid in full for $1,000,000 limit and $2,000,000 aggregate
- Garage keepers was $1320 per year if paid in full for $75,000 coverage
Does this sound right? I am in the process of getting other quotes but wanted to see if I am in the right ballpark. This is my first time getting insurance for the business and it seems like some places don't want to insure you unless you have history.
Own or rent:
We're in the market for a new scanner and figured I'd ask fellow shop owners their ideas and experiences. I did search the board archives and didn't see much within the past year or so.
We are a general repair shop servicing most anything, according to customer attitude. Any suggestions would be very much appreciated.
Thanks in advance 🙂
Hi, so yesterday a girl walks in and handed me some pictures of what looks to be a Black spot on her cooling fan like something has been rubbing on it. She explained that she was on a trip over the weekend and something it happened she lost all her coolant while driving. She had it towed to the local Subaru dealer. They told her the cooling fan had rubbed a spot through on the upper radiator hose causing the engine to loose it’s coolant, it overheated and now supposedly the engine is seized up. Guess who just replace the radiator about one month ago Yep we did. Luckily she’s a very nice girl but kind of sat there wondering what I would do for her. she said the dealer quoted her six grand for a new engine... of course that’s not gonna happen since has approximately 200,000 on her 05 Subaru Outback. Now the vehicle is approximately three hours away and she’s wondering what I can do for her. I talk to the dealership that the car is that they basically said whoever put the radiator in is at fault but they didn’t know why the hose started rubbing against the fan??? Anyway we were in that spot last so I feel like I’m responsible to do something. Wondering if anybody has any thoughts on how to handle this, or if anyone has had similar situations. Thanks.
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Article: Electronically Handicapped - - The general public (and myself) are getting way to reliant on electronicsBy Gonzo
Electronically Handicapped Are we so inundated with electrical devices we’ve forgotten how to do certain tasks without them? I believe the time has come when common sense values and electronics have crossed paths to change the way some people assume things are done. Yes, we’ve become electronically handicapped by the very means that are supposed to make things better. Expecting those electronic wonders to always be in working order is one thing, but not knowing what to do when those devices fail and having to resort to good old fashion “hands on” is where the problems and frustrations begin. Case in point: a guy calls and asks if I can fix his speedometer. He explains he wouldn’t be able to drive the car to the shop, because he has no idea how fast he’s going. I suggested he just stay up with traffic or download one of the many apps displaying mph. This led to even more hysteria because he was afraid of an electronic bug affecting his phone. Instead, all he wanted was one of those “I ain’t holding ya to it” estimates. Not knowing the reason why his speedometer wasn’t working, I gave him a rough guess on the cost of the various components related to a speedometer problem. He then tells me, “Let me know when the part shows up.” I asked, “What part?” Now I’m confused. Finally, it came down to one question. “Sir, even if I knew exactly what component or problem you’re having, how are you going to get the car here? Tow truck, or do you want me to come and get it?” I asked. Absolutely no tow trucks, and he didn’t want anyone else to drive his car. Instead, he was going to check “YouTube” for a video on how to fix it. Then, there are those individuals that common sense has entirely left them. A lady called to tell me her door locks stopped working, and how she was trapped in her car for several hours until her husband showed up. (He unlocked the door with the key from the outside.) I asked her, “Why didn’t you just unlock the door from the inside?” Her answer, “Sir, I pushed the button several times but it never would unlock the door.” I calmly asked (although I was secretly bursting with laughter), “Why didn’t you use the mechanical lock knob or push the manual lock lever in the opposite direction?” The tone of her voice was enough to tell you she was more than a little shaken up over the whole door lock ordeal. Thinking I could ease her obvious tension, I suggested that she could have rolled the window down, but that just spurred her anxiety even more. She couldn’t understand why I would suggest such a thing; she would have had to start the car in order to do that. Since the windows were up, the fear of carbon monoxide poisoning was an even bigger concern. Now with back up cameras, lane departure systems, auto parking, active cruise control, and perimeter warning systems some of these folks that barely understand how to turn on a light switch are going to be even more lost when these systems in their cars fail. I'm convinced by the actions of some people that it's already happening. Like the time my wife's rear view camera was covered in mud, she stopped the car, calls me and says, "The camera isn't working, is it safe to back the car up?" What's the world coming too? Pretty soon, there will be a generation that won’t understand or even care to know anything about some of the old technologies. That is until they’re face-to-face with a situation calling for some nostalgic common sense and a bit of mechanical know-how. We’ve modernized the family car into a nightmarish electronic wonder, which has caused a lot of people to lose touch with the basic fundamentals of its operation. Not only is it more complicated electronically, but it’s also becoming more reliant on GPS and computers. Here’s something else that I don’t understand: We still call a manual shift transmission a standard transmission. There’s nothing “standard” about it anymore. It was the standard for decades, but not anymore. Now it’s rather rare for new drivers to even know how to operate a stick shift. Even now, you see people who don’t have a clue how to use their turn signals. I doubt they know the proper hand signals or for that matter how to stick their arm out the window. Of course, that would mean rolling down the electric window, which probably doesn't work either. What about the tire monitor systems on cars these days? How many people know how to properly use a tire pressure gauge? Then again, why? We’ve got electronics to take care of that stuff. A vehicle operator seems to require less common sense these days as the electronic world has already accomplished these tasks with minimal to no effort with things like voice activated entertainment to navigation controls. Why, we even have crash avoidance systems and air bags to keep us safe. More to the point… less personal responsibility for your actions; make it the car’s responsibility. I grew up in the time when road maps were in every glove box. Folding one back up from the passenger seat while giving directions could be a contest of wit and skill to say the least. You paid attention to the road signs and observed the different land features as well as points of interest that were pointed out in the map details. These days, you listen to this voice on the navigation system that says, “Turn right in 500 feet onto exit 227.” Why, I’ll bet you didn’t even notice you passed the world’s largest ball of string a mile back. It seems the navigation voice failed to mention anything about all those roadside features the folding map could tell you about. Just goes to show how much we have become dependent on these electronic devices. We’ve all become so complacent with our modern electronic conveniences that opening a garage door by hand seems barbaric in some way. I know I’m guilty of it myself. One time after a rather long and frustrating day at the shop, I came down my driveway tapping my finger on the garage door remote button. The door refused to move. Not to be outwitted by a garage door remote, I sat out there bashing the button and cussing at the door… determined to get that blasted thing to raise one more time. Eventually, the wife comes out and opens the door from the inside button. She was standing there with that typical wife look of disbelief, staring at her goof ball husband having a four letter word conversation with a dead garage door remote. Her response was priceless, “The battery is probably dead in the remote dummy! Just get out of the truck and open the door!” So, you say, “Yea well, I might be a little electronically handicapped, but I’m not as bad as ya think. I could handle living like they did a hundred years ago. No battery needed to start a horse.” Oh, really? A century ago anyone over 10 years old could hitch up a two horse team to a buggy for an afternoon trip to town and knew how to deal with their horses’ temperament. Can you? Back then, that knowledge was passed down from father to son. These days, well, you’re more likely to Google the answer than ask Grandpa.
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We recently started doing courtesy inspections through bolt on technology. I have one technician that is being very resistant to writing any vehicles up for any maintenance or problems as he feels we shouldn't be pressuring the customer. Today we had one come in from Goodyear that they recommended upper and lower ball joint's. I asked him to check it out and to complete the multi point inspection. On the multi point he indicated that there were no problems with the ball joints. I had the owner recheck and he found the ball joints had significant play present. The owner was quite frustrated as this was $1500 that we could have potential he lost had he not rechecked him. The technician that originally came and checked it out came to me and asked why the owner was being such a dick. based on his resistance to completing the courtesy inspections, not knowing what he's checking out (has recommended fuel filters and timing belts when the car doesn't have one) and hey I'm calling the owner a dick I feel it made to be time to let this employee go. Should I write him up for insubordination or just cut ties with him?
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The Digital Shop® takes shape in Schools
Lindsay, our trainer extraordinaire went back to school. Not as a student but being a professor for two days at the Career and Technology Center Fort Osage. Based on the initiative of SmartFlow users in and around Kansas City, MO, Bill Lieb, and Bryan Compton – teachers of the Automotive Classes at CTC – AutoVitals provided equipment and training for the next generation automotive technicians.
It has been an honor to support this initiative. The technician shortage and hesitance for new technology by older generation techs make it a necessity to have young technicians equipped with the knowledge about the tools available and how to use them. SmartFlow can not only guide these students to the digital frontier, but also learn about productivity and efficiency that is typically missing in everyday curriculum.
As you can see in the pictures below, the students and Lindsay had a lot of fun with the lab portion of the training. Each group performed digital inspections on their vehicles, and expanded on the importance of documentation and pictures. Four classes in two days showed high school students the opportunity in this industry, both present and future. Professor Lindsay had a blast!
Are you a School interested in taking your Automotive Program to the next level, or know of one? Please use our contact-us form to reach out!
By Joe Marconi
For Mitchell1 and Shop Key users, there will be a workshop in Atlantic City New Jersey. I have been to this workshop and it is a worthwhile event. Below is a link for more info and to sign up.