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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:
By James Boswell
I am trying to get some real-world perspective on using the Mitchell 1 system. Specifically, I am trying to account for bad debt, but setting it up as a payment type doesn't seem to be a good idea because it shows in my Revenue reporting as a taxable sale. Is there any way to adjust this or is their a best practice for tracking bad debt?
On another note, I would love to be able to chat with someone who has used this system for years and is willing to share some of their best practices in general. Let me know if you might be open to starting a dialogue.
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 🙂
Years ago my younger brother came to work for me. He didn’t know a thing about cars, but was willing to learn all he could. Teaching new techs is an art that most shop owners have to learn to do, but teaching your little brother can be a chore and can test your patience. I muddled thru it all and taught him what I could. I was sure at some point in time the two of us would butt heads like brothers will do, and he would take his new found skills and move up in the rank and files of the automotive technical world, but in the meantime it was his turn to learn from his older brother.
When he first started I would walk him through each step of how to diagnose a certain system in a car. A lot of times he would have questions, and I’d do my best to answer them. He learned quickly and was really sharp at picking up some of those little details that are harder to teach. You know things like how you held a certain wrench or used a certain tool, to you and me it’s no big deal. But to a novice, it’s a revelation, then you (I) tend to forget to mention those certain traits while you’re teaching. Mainly because you are trying to get to the solution as efficiently as possible, and you neglect to bring it up. Such as: “always test your test light connection before testing what you’re testing, or don’t forget to check for all your tools before you pull the car out of the shop….” Things like that.
One day we had a truck come in with dual fuel tanks on it. The gas gauge wasn’t working and needed some attention. This was a perfect opportunity for Junior to learn a few of my short cuts on these old models. It was an older Ford, in which the tank gauge ran thru the tank switchover button. It was rather easy to pull it out of the dash and connect to the gauge from the back of the switch.
Luckily it was the typical problem I’ve seen a hundred times in the past. The switch connections would melt and the tank wouldn’t switch from the front tank to the rear, and of course the gauge wouldn’t move either.
After locating the correct leads to the gauge and to the tanks I decided to show him how the gauge worked. I hooked up the one of the tanks to the crossover lead that would supply the signal from the tank to the gauge.
“Ya see this, that’s the lead to the fuel gauge in the dash, and this is one of the tank wires. I’ll connect these together and we should get a reading on the dash,” I told him.
He was watching intently, taking in all the wiring diagram information, the location of the wires, and how I was bypassing the switch. He was fascinated with the flow of the current and the way the gauge would respond. I even went as far as moving the gauge from full to empty by opening and closing it to a ground signal. While I had his attention I filled him in on the two types of gauges that were used back then (bimetallic and magnetic) and how low resistance on a bimetal type gauge would read near a full tank, while a magnetic gauge would read close to empty. Change the resistance and the gauge would/should read accordingly.
“So, if we put gas in the tank the gauge should move right? That way we could check the sending units in the tanks too,” he asked me.
“Great idea, grab a gas can and let’s add a few gallons,” I said, excited that he was so interested in the project.
He grabbed a can of gas and poured a few gallons in the tank. I was watching the gas guage carefully, but there was no movement. I knew I was on the right wires, but nothing was happening. Now what? Are there more problems?
“Crawl under there, and check to be sure the wire color is correct,” I yelled from the cab to him.
“Yep, it’s the right wire on the tank.”
“Well, we might have to pull the tank; it’s not changing the gauge readings up here.”
“Before we do that let’s add some more gas, maybe we didn’t add enough,” Junior tells me.
I thought I better go back and help hold the funnel, while he poured the gas in the tank. Unknowing to me, all this time my wife (who was the office manager) was listening in on the whole thing. She likes to keep tabs on me, and make sure I’m not going into one of my usual rants or having a fit because I had to explain something over and over again to little brother. This time she was standing at the corner of the shop just behind the truck with a camera. “CLICK”, I heard the camera shutter go off and she was back there laughing like there was no tomorrow.
“What’s so funny?” I asked her.
“You two idiots have been putting gas in the wrong tank. You’re on the front tank, and you’re putting gas in the rear tank,” my wife answers, laughing hysterically.
About then the camera “clicked” again… this time it was an action shot taken at precisely the exact moment when these two idiots had that dumb struck look on their faces and realized what they just did. The shot had both of us on our knees, one holding a funnel and the other with the half empty gas can, and both of us staring right into the camera lens. Couldn’t have set it up any better if you tried.
The picture clearly showed the side of the truck with both fuel tank doors visible and there was no doubt which tank we were putting in the extra gas. I guess it was one of those things I should have mentioned when we were checking the tank senders… make sure we are both on the same tank.
For years that picture hung over her desk, and anytime I thought I was so smart she would point at the photo. Usually with that typical smirk, usually shaking her finger at me and of course the laugh… she had to laugh, but it wasn’t all that funny until she had me laughing about it too. Ok, Ok, I’m not perfect... and now my little brother knows it too.
These days he’s a top notch tech at a dealership, and I have to call him on occasions for some help on how to solve things once in a while. Oh the photo… uhmmm… what photo?? Somehow it’s missing… haven’t seen the darn thing in years. But I guess I really don’t need to see the photo … the wife has a pretty good memory... she reminds me just how smart I think I am every chance she gets.
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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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