What Do You Mean It's Totalled??!!

Summary

Armstrong & Getty On Demand: Episode Summary - "What Do You Mean It's Totalled??!!"

Release Date: July 15, 2025

In this episode of the Armstrong & Getty On Demand podcast, hosts Armstrong and Getty delve into a range of topics, blending humor with insightful discussions on contemporary issues. The episode, titled "What Do You Mean It's Totalled??!!", primarily revolves around controversial social media incidents, the influence of online communities on individual behavior, and personal anecdotes about the complexities of modern car insurance.

---

1. Elmo’s Controversial Twitter Incident

The episode kicks off with the hosts addressing a bizarre incident involving the beloved children's character Elmo. According to the transcript, Elmo's official Twitter account was reportedly hacked, leading to the dissemination of antisemitic remarks.

• Michael introduces the topic:
  “Elmo went rogue on Twitter, Right? He got hot. He got hacked, or so he says, and started saying that we should kill the Jews.”
  [03:21]

• Jack adds context:
  “Of course, everybody claims, oh, I got hacked. Elmo's a Nazi. Allegedly.”
  [03:29]

• Joe expands on the situation:
  “Elmo and Grok both went after the Jews in the same week. Yep.”
  [03:37]

The hosts express disbelief and frustration over the incident, highlighting the vulnerability of even the most trusted online personas to malicious hacks. This segment underscores the broader issue of misinformation and the ease with which public figures or characters can be manipulated on social platforms.

---

2. The Influence of the Manosphere and Male Loneliness

Transitioning from the Elmo incident, Armstrong and Getty explore the disturbing intersection between online male communities—the "manosphere"—and societal issues such as loneliness among men.

• Joe defines the manosphere's impact:
  “Elmo was radicalized by the manosphere. Elmo is part of the male loneliness epidemic.”
  [04:03]

• Jack elaborates on the terminology and its effects:
  “They're all kind of overlapping... the hyper-masculine, down with women, hardcore new rights, angry online thing.”
  [05:10]

• Michael shares a personal anecdote:
  “I got hit by a 19-year-old kid who was uninsured...”
  [03:37] (Note: This seems out of context here; possibly a transcript error)

The discussion highlights how online communities can foster negative sentiments and behaviors, exacerbating feelings of isolation and frustration among young men. The hosts critically examine how such environments can lead individuals to adopt extremist views or blame external entities for personal struggles, rather than addressing underlying issues.

---

3. Navigating Car Insurance and Totaled Cars

A significant portion of the episode is dedicated to Armstrong sharing his personal experience with car insurance, detailing the frustrating process of dealing with totaled vehicles in an era of soaring car prices.

• Michael recounts his ordeal:
  “I got hit by a 19-year-old kid who was uninsured... I end up taking my car to the body shop... they say it's gonna be about $10,000 to repair...”
  [06:55]

  He continues to describe how the repair estimate escalated:
  “Three days later... now it’s going to be $16,000 to repair... the car is now totaled... I get a check for $23,000 for my car, which I bought the car for $27,000.”
  [07:00]

• Jack expresses confusion over insurance practices:
  “I can't imagine why they would say, no, we're not gonna pay the $155 to have it fixed. We'll just pay $23,000. I mean, that doesn't make any sense.”
  [08:24]

• Joe raises concerns about insurance rate hikes:
  “Aren't they going to raise your rates?”
  [08:51]

• Michael responds with uncertainty:
  “I hope not. But... I had to pay the $500 deductible.”
  [08:45]

This segment sheds light on the challenges consumers face with modern car insurance companies, particularly the trend of declaring cars as "totaled" even for minor damages due to increased vehicle values. The hosts discuss the financial and logistical implications of such practices, emphasizing the need for consumers to be more proactive in negotiating with insurance providers.

---

4. Expert Advice on Handling Insurance Claims

To provide listeners with actionable insights, the episode features advice from Hanson, the producer, on effectively negotiating with insurance companies to secure better settlements.

• Hanson shares his experience:
  “I had a car that was totaled, and I told them no... we got a bigger check because we had to negotiate.”
  [11:43]

• Joe recalls Hanson’s past expertise:
  “Our executive producer, Mike Hansen, appears to be very animated to join this conversation for some reason.”
  [09:49]

• Hanson advises:
  “Don’t accept whatever number they give you... have a conversation with them and see if you can squeeze out additional funds.”
  [13:01]

• Jack questions insurance companies' motives:
  “Why would the insurance company say... they're going to write you a check for $23,000 instead.”
  [12:31]

Hanson emphasizes the importance of not settling for initial offers and encourages listeners to advocate for fair evaluations of their vehicle's worth. By rejecting the first settlement and engaging in negotiations, consumers can potentially receive more favorable compensation, mitigating the financial impact of totaled vehicles.

---

5. Community and Personal Experiences

Throughout the episode, Armstrong and Getty interweave personal stories and listener experiences to illustrate broader points about consumer rights and societal issues.

• Joe shares a relatable scenario:
  “When I was a teenager, alone, woman-wise... I would blame it on... the Jews or one party.”
  [06:36]

• Michael discusses proactive measures:
  “You shouldn't accept the value they put on the vehicle itself.”
  [13:18]

• Jack reflects on persistent insurance practices:
  “They've got all kinds of resources to determine the value of a vehicle.”
  [13:24]

These interactions underscore the podcast's commitment to not only entertain but also educate listeners on navigating complex personal and societal challenges. The hosts use humor and candid conversations to make the content engaging and relatable.

---

6. Conclusion and Final Thoughts

As the episode approaches its end, the hosts continue their lively discussion, touching upon various tangents related to cars and personal anecdotes. While the transcript indicates the presence of advertisements and promotional segments, the core content emphasizes resilience and resourcefulness in dealing with insurance companies and understanding the impact of online communities on personal behavior.

---

Notable Quotes:

• Michael on rising car costs affecting insurance:
  “...cars have moved up so much in price that it is now when the car gets totaled... they're just writing people checks.”
  [07:00]

• Hanson on negotiating insurance settlements:
  “If you start asking for things or demanding them, you don't have to just take the check and you shouldn't accept the value that they put on the vehicle itself.”
  [11:43]

• Joe on personal reflections influenced by the internet:
  “I would blame it on... the Jews or one party...”
  [06:36]

---

Conclusion

This episode of Armstrong & Getty On Demand adeptly balances humor with serious discussions, offering listeners both entertainment and valuable insights into navigating personal challenges and understanding the pervasive influence of online communities. Through personal anecdotes and expert advice, the hosts provide a comprehensive look at the modern complexities of car insurance and the societal impacts of the manosphere.

Transcript

[Michael]

This is an iHeart podcast.

[Jana Kramer]

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[Michael]

What do you mean it's totaled? It's One More thing. Armstrong and Getty. One more thing.

[Hanson]

I always love it when it's a.

[Joe]

Staff led One More Thing podcast. Michael's got his story in a moment. Before we get to Jon Stewart interviewing Elmo, why was Elmo in the news? Or does he explain that in the setup here Elmo's in the news for something?

[Michael]

Elmo went rogue on Twitter, Right? He got hot. He got hacked, or so he says, and started saying that we should kill the Jews. Right?

[Jack]

Of course, everybody claims, oh, I got hacked. Elmo's a Nazi. Allegedly.

[Joe]

Elmo and Grok both went after the Jews in the same week. Yep.

[Jack]

Little red Elmo's a brown shirt. What do you know?

[Joe]

John Stewart on the Daily show talked to Elmo.

[Jana Kramer]

And after a hacker posted racist and anti Semitic remarks to the Sesame street character's X account, Elmo.

[Joe]

You know what we're here to talk about? Jews.

[Jack]

That's right.

[Joe]

Elmo was radicalized by the manosphere. Elmo is part of the male loneliness epidemic. You see, what happened was Elmo was doing his own research on flu shots. Six hours later, because of the algorithm, Elmo was moderating the QAnon Discord chat.

[Michael]

And building homemade bombs.

[Jack]

Oh, wow.

[Joe]

So manosphere. I don't know if I've heard that term.

[Jack]

Oh, yeah, yeah.

[Joe]

Meaning.

[Jack]

Oh, my gosh, this stuff just exhausts me.

[Joe]

All the young men talking each other online.

[Jack]

Yeah, that and like your.

[Joe]

Your.

[Jack]

What's. What's. The alleged rapist in five different countries. Brothers.

[Michael]

Oh, gosh.

[Jack]

Yeah, yeah, yeah.

[Michael]

Brothers.

[Jack]

Tate brothers. Yeah, and just here, like, hyper masculine, down with women, hardcore new rights, angry online thing. Now, are you gonna contribute something?

[Michael]

Yeah, just anti feminist. They're super anti feminist.

[Jack]

Only. Yeah, it kind of depends what you mean by that, but yeah, yeah. In kind of a corrosive way, in my opinion.

[Joe]

And then what was that next?

[Hanson]

The.

[Joe]

Phrase he had after Jews? No, the next phrase after the manuscript was like, the men. Young men, single, lonely men.

[Michael]

Oh, the loneliness epidemic.

[Joe]

The loneliness epidemic among men.

[Michael]

Okay, yeah.

[Joe]

Is. Is got part to do with the manosphere. That's part of the incel crowd thing, right? The whole.

[Jack]

Well, they're all kind of overlapping, but yeah, yeah, the. And. And a lot of this stuff has a fair amount of Legit to it just takes it completely over the top. I mean, young men trying to find a sane young woman who'd like to be in a relationship, it's a challenge.

[Joe]

But now if you were like me when I was a teenager, alone, woman wise, girlfriend wise, I would be convinced by the Internet to blame it on other forces, not just my lack of game. I would blame it on, well, either the Jews or one party or the.

[Jack]

Other or something certain, as certain as a person can be that the Jews played no role in any lack of dating success. Sorry, Elmo.

[Producer Mike]

Right?

[Jack]

That was a pretty funny bit.

[Joe]

Yes, I was. Okay, so what do you mean it's totaled?

[Michael]

Michael says, yeah, so I'm driving down the highway and I think I may have told you this. I got hit by a 19 year old kid who was uninsured, had no car insurance whatsoever. So I end up taking my car to the body shop. I've got car insurance, so I'm fine. And so I got a rental car. I've been driving a rental car for the, you know, week or two. So they, I go into the body shop and they say, okay, it's gonna be about $10,000 to repair. This is what we're have to pay. But you have a five hundred dollar deductible, you'll pay $500. I said, great. So nothing happens. And then like three days later they say, hey, we need you to come back into the body shop. I come in, they've got a new estimate for me. They say, just so you know, the car is now going to be $16,000 to repair, but you're still going to pay $500. I say, okay, fine. So I'm waiting, waiting, and I don't hear from these people. And so I call them and say, hey, what's happening with my car? They said, well, we haven't heard from the insurance company, so we're waiting. The next day I get a call from my insurance company. They say, oh yeah, your car's totaled, we're just going to send you a check. And so I get a check for $23,000 for my car, which I bought the car for $27,000. And the point is, is that cars have moved up so much in price that it is now when the car gets totaled or just, you know, maybe dented or crashed, they don't even repair it anymore. They're just writing people checks.

[Jack]

I had somebody explain this to me once, but my memory is vague. I can't imagine why they would say, no, we're not gonna pay the 155 to have it fixed. We'll just pay 23. And you could call it good. I mean, that doesn't make any sense.

[Michael]

I guess this is happening a lot now.

[Joe]

So how does it work, though, since that other person didn't have insurance? Your insurance is picking up the tab. Aren't they going to raise your rates?

[Michael]

I hope not. But, yeah, I had to pay. I was supposed to pay the $500. I was just out of money because I.

[Joe]

You know, I don't know if you ask, but, like, I. When I. What. Which. Which of my crashes? I've had several. One my fault, the other's other people's fault in the last couple of years. I talked to my insurance guy, and he said, yeah, I mean, it'd be. In the long run, it'd be cheaper to just pay to fix it yourself, because this is how much it's going to go up. If you like my motorcycle wreck, I paid eight grand out of pocket to fix my motorcycle because it would have cost more in the long run to have my insurance go up for all my vehicles. Blah, blah, blah.

[Jack]

Yeah, I was more familiar with the being shocked that they, quote, unquote, totaled it in the era of low used car values. Because what would happen is you'd get a $10,000 estimate, and your company would say, well, your car's only worth 9,500 bucks, so it's total. Don't get it fixed. Here's the value. Go do whatever you want. I get that.

[Joe]

But our executive producer, Mike Hansen, appears to be very animated to join this conversation for some reason.

[Jack]

Car buff, not car buff. Yes.

[Joe]

And he's having trouble getting his headphones situated.

[Jack]

Car buffs, very complicated. You got one on the right ear, one on the left ear. It's.

[Michael]

There's a cord.

[Joe]

The whole fixing your car thing is such a freaking scam. I mean, you have the tiniest dent in the left rear, and they want to replace. Well, we're gonna have to replace the pinstriping and then the plastic thing here, and then the. You know, where it says Camaro or whatever it is on your car. We got to get a new one of those.

[Michael]

Why?

[Joe]

Why do you have to get a new one of all of those things?

[Jack]

You go to another place and they'll say, no, we don't have to do that.

[Joe]

That's crazy.

[Jack]

Well, I just do this and reuse. Blah, blah.

[Joe]

I did no paint dent repair on one of my vehicles recently. And that's when they come out with these suction cups. And everything to your house and pry out the dent the best they can. And you could barely tell. And it cost me $500 on something that at the dealership they told me was going to be eight grand. And for 500 bucks, I had the dent pulled out. And it's not perfect, but it's better than spending eight grand. Anyway, here's Hanson, the producer, a couple things.

[Jack]

First of all, I'd asked him to see it to suck the chrome off a trailer hitch, just to see if that's an actual thing.

[Michael]

Wow.

[Jack]

I've heard. And I just don't know. Katie.

[Joe]

Katie luckily does not know that expression. So, yes, if they.

[Jack]

If they had powerful enough suction equipment. I wonder whether that is possible, given the principles of metallurgy.

[Joe]

There are coarse gentlemen that will say there are some women that could remove the chrome from a trailer hitch.

[Jack]

Yes. Which again would be, you know, just forces at such a level that they would do terrible damage to, say, the human body.

[Joe]

I've never said that. And anyone who said it to me, I have called the police. Okay, right. Yes. Back to him.

[Hanson]

So in a circumstance such as this, there's a couple of things that you can do. And I've been down this path before. I had a car that was totaled, and I told him no. And then they tried to give me a check, and I said no. And so we got a bigger check because we. We had to talk about it a little bit. We had to negotiate some. So I managed to get a bigger check from them, and I got to keep the car. So if you start asking for things or demanding them, you don't have to just take the check and you shouldn't accept the value that they put on the vehicle itself. So I would, if. If you haven't cashed the check, Michael, I'd tell them to keep it and then say, hey, I want to come into the office and talk to you about this. And we'll determine what the value is of this car and see if you can't squeeze you play some additional funds out of them.

[Joe]

You're a guy that last week told us a story about you actually contacted the state insurance commissioner or whatever and frightened the hell out of people.

[Jack]

Yeah. So, but help us understand if, you know, why would the insurance company say, no, no, we're not going to write a check for 16,500. We'll write you a check for 23,000 instead. Aha.

[Joe]

Gotcha.

[Jack]

I don't get.

[Joe]

Could be. It could be what Hanson just explained there where they thought if they Want to negotiate. They're going to get way more out of us than this. If we could just get this ended right now for 23 grand, we're in, we're ahead. They might be thinking that.

[Jack]

Is that your guess? Hands home.

[Hanson]

Yeah, I don't know. I'm just. In terms of the settlement amount, I mean, my point is you just shouldn't accept whatever number they give you even if, unless it was beyond the price that you paid and you'd be like, hell yeah, let's party, let's go. I'm gonna go buy this car and have a really nice dinner tonight.

[Joe]

I gotta admit, I would have probably thought they've got a way to calculate this that they don't budge on. And they do.

[Hanson]

Of course they do. They, they've got, at least in my circumstances, rather dated. But they, they've got all kinds of resources to determine the value of a vehicle. But my point is, is that you've got some additional things that you could bring up if you had whatever changes you might have made to the car, whatever. I don't know, there's all kinds of different arguments you can make and at least it' having a conversation with them. And again, they want to close the case. Here's the leverage that you've got is they want to close it as soon as possible. They're trying to get rid of you and move on. Right. So if you don't accept, then they have to sit there and go, well, my boss can be so pissed at me right now.

[Joe]

Right, right.

[Hanson]

But we got to get this guy to close this thing out. So I mean, if you're satisfied with that money, then great, then take it. My point is don't be satisfied, don't accept it and get as much back as you possibly can.

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[Michael]

Hey listen to this.

[Hanson]

All it needed was a new starter.

[Michael]

Got a great deal on ebay.

[Jack]

Did it myself.

[Producer Mike]

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[Jack]

Okay, Hanson, before we wrap this up, you're not only a big car guy, you're a big music fan. So everybody starting with Hanson or I can go first if you want to think about it. Favorite car or driving related song? If you can't settle on one, you can go with two. Favorite car or driving related song Hanson. Do you have an answer right away?

[Hanson]

There's so many. I will go with Passenger side by Wilco.

[Jack]

Oh.

[Hanson]

That'S right.

[Jack]

You know I'm gonna go, I gotta get go with two very different moods. Number one, racing in the streets. Bruce co champion, Highway Star, Deep Purple.

[Joe]

I don't know that song.

[Jack]

Katie, you got a couple.

[Joe]

Oh boy.

[Michael]

I really don't. I can't think of one off the top of my head. I know that's awful but I can't.

[Joe]

There's a great Johnny Cash song. You know the Johnny Cash song where he talks about working at the the GM factory and he stole parts over the years.

[Hanson]

Yes.

[Joe]

He assembled a car that was. It was a 55, 56, 57, 58, 59. He assembled this car from parts over years he stole. I would go if 10 year old me would choose Hot Rod Lincoln because I love that song as a kid.

[Hanson]

Fantastic.

[Joe]

Grown up me probably go Tom Petty Running down a dream.

[Jack]

Oh, that's a good one, Michael.

[Michael]

Oh, I was thinking running down a dream too but.

[Jack]

Oh you liar.

[Joe]

Chitty Chitty Bang Bang. Probably yours.

[Michael]

That's a winner. That is a good one though. That's the one. Take it, Michael. Little deuce coupe by the beach.

[Hanson]

Fantastic.

[Michael]

Classic, classic.

[Jack]

Three cards and a pile of dust or something. I don't know.

[Michael]

Well, I got this money. You can buy a lot of chocolate pie. I guess that's it.

[Jana Kramer]

Welcome to the W where elite athletes are redefining the game of basketball. From buzzer beating shots, jaw dropping defense and logo threes, the WNBA delivers non stop action and world class talent every game. These athletes don't just play the game, they elevate it. The biggest stars, the brightest age at&T. WNBA All Star 2025 comes to Indianapolis July 18th 19th. Tune into the game July 19th at 8:30pm Eastern Time on ABC.

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[Michael]

This is an iHeart podcast.