Okay, this guy’s an ass: as a rule, we don’t like smarmy consumers like this. Moreover, it’s got some strategic edits which are suspect. Hell, I suspect Tim’s part of the call was recorded independently of Luke’s “Aren’t I just so clever?” retorts.

Nevertheless, we’ve all been at the rectal side of a car insurance reaming, struggling vainly as the industry holds us down with inarguable statistics to just insert the billing protuberance deeper.

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