Thursday, July 2, 2020

It only takes a spark - Preparedness series

. . . to make it hot!


No, this isn’t about love or war… Not this time.  Rather, I’ve been enjoying a tour of fire-making gear via the latest online survivalist tutorials.  Odd interest for an insurance agent! Though like most civilized folk, I take for granted ready availability of heat and fire without resorting to sticks or boy scouts, or however one produces friction and sparks. 

Need for this basic survival skill will prove obvious –like finding water and making shelter—when urban power, gas and water deliveries are interrupted, even for just a couple days.  Else wherefrom warmth, cooking of food, sanitizing water for drinking, cleansing wounds, bathing? That’s why my household maintains a patio gas grill and two extra 20 lb cans of propane.  I also keep an inline propane water heater for camping or emergency use, this model requiring only 2 psi water pressure:
All this device really needs is gravity of water draining from a bucket elevated high enough (about 4 feet), providing 2 psi pressure to trigger the burner and fill another bucket below with piping hot bath water. 

What happens, however, when my propane supply fails?  I have attempted to employ a simple copper coil placed right amidst campfire coals, connecting to two water buckets… which worked, though prone to damage equipment. Otherwise I’m back to the rustic steel kettle on a wood stove or grill. 

And what when matches run out, or gas click-lighter quits?  A magnifying lens requires direct sunlight.  Hardly anyone of my generation, even a wilderness proven Eagle Scout, will be adept at building a fire from foraged fuel and materials in cold and wet conditions:

More than half the battle is nursing a spark into live fire.  So I would suggest that one practice first the making of a tinder nest or bundle to shelter magnesium flakes and spark from steel and ferro rod; then blow or fan it into flame… this without scorching your manicure or eyebrow weave, of course.

Graduate to using char cloth, charcoaled shavings of punk (rotted wood), fungus, pitch or fatwood (sap-infused knots).
Then try other oily or vegetable volubles ignited by friction of wood or stone.  Dried citrus skins and grass seed heads make good tinder because of their oil content. If you press seeds to extract natural oil as accelerant, choose those with a lower-temperature flash point –flax, rape (canola), safflower, sunflower, olive.

Next explore various campfire construction models:
My favorite so far is the Dakota fire hole, aka rocket stove (see below). 

Now for methods of producing a tiny coal sufficient to ignite kindling scraped from obscure locations.  Practice scouting for right materials. Likewise sources of tinder and serious fuel. But every fire requires first the spark.  And one of the easiest and sure-fire of techniques needs only (brace yourself) two sticks and one scout, boy or girl… though the fire saw or fire plow may produce faster results than drill and board, and with less huff and puff, especially where two scouts are made to cooperate.  Good luck with that!

Bamboo fire saw:
Yucca fire saw:

Fire plow: 

Search further instructions and videos for the making of drills and thongs as more durable equipment.  Better yet, find an article with clear pictures to print and save for the day it may be needed. A most elegant solution –beside your stash of waterproofed matches and petroleum-soaked dryer lint—is the fire piston, an ancient tool based on the same principle as a modern diesel engine.


A simpler answer to problems of equipment wear, blisters and wasted time is the safe caching of live embers from tonight’s fire to readily start tomorrow’s. Enter the ember carrier. Any old metal can slung by a cord will work; else fashion a wallet from bark filled with fungus or punk wood embers and insulated with peat moss or lichens:


Introducing the Rocket Stove (aka woodgas, avan [earth] or mass heater)
They say this simple invention would have revolutionized wilderness pioneering –minimizes smoke and fumes and requires only light sticks as fuel; can even be self-feeding. Basically, you deliberately engineer a chimney fire over a forge furnace, with extra venting at bottom and top enabling two stages of ignition: first the wood fuel and second the wood gas. Result is a super-efficient column of flame that roars like a rocket.

Primary elements of the rocket or woodgas stove:
            Insulated fire box and chimney (stack bricks or cinder blocks; earth, clay, concrete double-walled shell filled with ash, pumice or straw)
            Side hole to feed larger fuel
            Vent hole (may be directly under fuel hole)

Optional enhancements:
            Fuel hole at 45-degree angle for gravity feed
            Heat-conductive framing on top (iron or rock), dual function
            –griddle or grate to hold cook pot or kettle
 –extra air vents to aid secondary ignition of wood gas
Funnel exhaust at one side through a sealed chamber to a remote chimney,
 used to heat an oven, bench or bed;
 may be constructed below ground to heat a cabin or tent

Simplest rendition is the Dakota fire hole:
 
Experiment digging two side tunnels, one for air flow and a second angled to gravity-feed sticks into the burn chamber.


Internet is full of pre-fab rocket stoves for purchase:


Easy DIY designs:




Modern tech fire equipment:
Plasma igniter

Solar igniter

Thermo-electric generators



Solar cookers


Tent heaters



Saturday, April 18, 2020

The Air We Breathe - Readiness series

. . . or the air we exhale

Unclean!
I remember joking how governments must eventually devise a way to tax the very air we breathe. In fact, that day came all too soon as a response to global warming, various measures to hold industry accountable –however, not for emission of evident pollutants. This time civil authorities declared, per warnings of many scientists, that atmospheric CO2 might become toxic to our planet's future health. Next thing we know, all products are a bit more expensive, and we have an effective consumption tax on the air plants breathe and animals exhale.

Insurance contracts have managed mostly to dodge liability for pollution, whether ground, water or air. Even coverage for structural contamination is excluded or severely limited, such as mold and mildew, animal or insect infestations. Insurer legal departments would swear their policies were never intended to cover perils of radiation, chemical emission or communicable disease. So home and business owners must assume such risks while trying to plan ahead, mitigate loss and limit liability for whatever is uninsurable.

Nuclear or volcanic fallout, windblown dust laced with farming chemicals, fumes from a defunct landfill, oil field or processing plant-- experts advise a household to self-isolate indoors, caulk joints and crevices, even duct tape window and door frames; hunker down until the threat is publically cleared. Other experts warn that a thoroughly insulated structure will lock in other kinds of bad air, whether mold spores, cleaning chemicals or new carpet vapors. As respiratory ailments increased, the campaign for energy efficient homes diminished. A house and its occupants need fresh air and lots of it. Mold remediation is extremely expensive; defense against liability claims even more so.  A single claim involving foodborne illness may destroy a restaurant business, even if insurance is found to help.  Still, there is established protocol for all of the above to avoid, limit or transfer much of the risk.

But what about airborne illness?  Invisible threat of microscopic pathogens is daunting, largely indefensible and, well --invisible. People also get sick from tick bites and spores, mosquitoes and roaches and mites . . . Oh my! But lately, add to that list the air we breathe out.


Hospital administrators shudder to admit that high tech filtering A/C systems may fail to protect staff and clientele. In fact, one unintended consequence of extreme sanitation is breeding of the Super Bug, drug resistant strains of bacteria. Protocol against that threat is again unintuitive: send the patient home to recover, soon as an effective therapy is determined. No more extended hospital stay-cations. Actually increases the patient's chances for survival, and it reduces liability for complications on the part of every professional or institution involved.

Will a virus retire us?
Airborne disease is an especially hot topic this season, April 2020, as nations worldwide are besieged by a new viral pandemic. The truly novel part is public response to a yet uncertain threat. Again, consumers are not taxed directly; indeed we are expecting some rebate of federal income taxes. But as local governments assert authority, limiting our freedoms of movement, assembly and commerce: it is certainly an extraordinarily taxing experience, no definite end in sight.

Much confusion is due to a prevailing Science of Uncertainty. So far, pronouncements are based largely upon experience with other viruses, else lack of research data, therefore precautionary. Civil authorities are ordering our response to what might happen. While the most candid (and credible) experts will admit, per words of one epidemiologist, that "everything we thought we knew was wrong". For instance:
   The common cold viruses (enterovirus, such as the corona or rhino varieties) are rarely life-threatening and too varied to bother developing vaccines.
   Once expelled from the body and exposed to air, a virus isn't viable for long.  
   A face mask is effective defense against viral inhalation. 
   All but the weakest immune systems will neutralize a coronavirus infection provided only rest and fluids.
   Immunity is most effectively armed by antibodies developed to recognize the same or a very similar pathogen, whether via vaccine or prior infection. 
   Once winter shut-in living/working conditions give way to a more open-door spring and summer, a respiratory viral epidemic will subside. 
   Sunlight destroys viruses. 
   A person is contagious only when first symptomatic; not after recovery. 
   If a case goes critical and begins to threaten death, standard hospital protocol for treating acute respiratory distress syndrome (ARDS) is best.
I have saved numerous articles reporting medical expert statements covering the whole spectrum of reply to such pre-COVID-19 doctrine: some remain faithful, others won't commit, while many now disavow what was taught. To date there has been little consensus. Actual science for this class of pathogen is just too new. Where there was agreement, that has often reversed, and then reversed again.
Like many fix-it projects around my house, there is probably no single cause triggering the latest public siege strategy. Many continue to ask: Why the lockdown of homes, schools and businesses? Numbers are yet as high or higher for seasonal flu, which does not prompt such panic. Why now? What really made this coronavirus so threatening?  Again, I have collected many and varied expert statements, theories, suspicions (some readers may prefer to skip to the next heading for now):

   First, there was no vaccine anticipating this class of virus.  Medical workers could not be inoculated to defend themselves or protect hospitalized clients from potential carriers. As medical workers test positive for infection, any and all other workers having recent contact must self-quarantine.  Remaining staff is spread thin treating increased caseload, extra-stressed by overwork and scarcity of equipment. Stress heightens vulnerability to any pathogen.
   Assuming this strain originated in Wuhan, the Chinese government delayed reporting its true seriousness; and when they did divulge, numbers were undercounted. WHO and CDC had late, little and unreliable data by which to assess the threat. 
   There is no precedent in a free society for effective public response to a suspected untreatable epidemic. Medical authorities have long dreaded a viral pandemic, anticipating delayed and inadequate government directives for fear of panicking the public or disadvantaging minorities. Worse it's expected that only the most authoritarian regimes will actually enforce public compliance. This while knowing how totalitarian governments have every incentive to conceal their experience and leverage media to sow discord between leaders and populations of their rivals. Therefore, free societies who can prepare, have not; perhaps will not unless compelled or panicked.
   Researchers in truth have very little data informing the medical community what to expect of a virulent viral strain. Vaccines are developed annually to defend against an assortment of last year's Asian flu strains, those likeliest to communicate intercontinentally and threaten the weakest during succeeding winters. But travel is faster, cheaper and more common than ever, both to and from the Asian continent. A twelve month time buffer may no longer exist.
   Critical respiratory cases of older subjects appear to involve a "Trojan horse" intrusion and autoimmune over-reaction (known as ADE - antibody-dependent enhancement). Lifelong accumulation of antibodies, whether by infections or vaccines, may prove a disadvantage. Lungs and other organs begin to self-destruct.  
   It can be politically and legally punishing for medical institutions to report certain contributing causes of morbidity, such as habitual vaping, legalized marijuana use; mix of medications for privacy-protected conditions like cancer, mental disease, addiction, dysphoria, HIV/AIDS, etc.
   Employees of all industries are growing more fearful and sensitive to work environment and various workplace hazards.  Some will fish for any excuse to file a Workers Comp claim or lawsuit. Progressive companies have begun adapting employment policy, requiring that any experiencing symptoms of illness stay home. Some businesses have already equipped staff to telecommute instead. But this cultural/legal movement was already under way, holding the employer liable for exposure to communicable diseases. No limitation or indemnification of such liability is in sight.
   This is the first generation of history --Boomers through Millennials-- becoming accustomed to managing personal business digitally, from payroll deposits to banking and bill payments, to every phase of shopping, purchases and deliveries, including basic essentials of living: food, household items, medicines, entertainment, etc. Likewise for many kinds of commercial enterprises. It is entirely feasible now to "hunker down" in isolation, yet remain connected with family, friends and co-workers.

All of the above contributes to a Culture (if not science) of Uncertainty: Multiple causes which, like a perfect storm, converged upon Winter/Spring 2020 to stage this historic, worldwide reaction to . . . not actual experience and counts of cases (still largely unknown); rather a response driven by rumor that this might finally be Apocalypse. 

Back to work
Realistically, a job boss can't ignore public perception or pretend the economic crisis will go away, even after this health threat is declared over. It appears we must assume that medical and political authorities have (finally) begun to direct appropriate response to a suspected pandemic, much like a bomb threat. Even so, we can't let it become the utter end of human rights, freedom and civilization. We certainly shouldn't continue to live or work as agoraphobes. So, how must a home or business now prepare?

I am proudly holding up my award for predicting which common commodity will replace cigarettes as History's wartime currency of trade.  You guessed it:

Toilet paper

To start, look back over my previous Readiness series of articles. Then search online for your own choice references... for whichever skills you might want to survive another lockdown (think earthquake, rioting, extended power interruption, epidemic). CDC has pubished some thoughtful material for the preparedness-minded business:
https://www.cdc.gov/coronavirus/2019-ncov/community/guidance-business-response.html

Definitely, heads of house and workplace must equip all hands to better work from home, school from home, shop from home... all at an hour's notice. And again, there is a slew of material online to effectively self-educate for self-isolation. Employers consult changing OSHA guidelines, federal and state:
https://www.osha.gov/SLTC/covid-19/standards.html
https://www.dir.ca.gov/dosh/coronavirus/Health-Care-General-Industry.html

And remember to print the most useful how-to's on paper in case the lights go out. 

All types of business, but especially retail, must find creative solutions for an old dilemma, growing ever more complex: How best to protect employees (and public) while yet making customers feel wanted and welcome. Same businesses must update their environment to exhibit reasonable precautions against communicable disease. For some, sadly, that may require leaving the plexiglass up as a permanent barrier between worker and client. At least we can see each other smile... assuming they finally let us take off the masks.

Other shops may need wider aisles, broader doorways, lower maximum occupancies for dining rooms, elevators, halls; staggered use of escalators, spaced seating in auditoriums, on buses and planes, Try this: timesheets posted showing completed sanitations of public spaces (already common for restrooms and play areas). How about disposable menus? Someone might invent an automatic sterilizer for hands-on items, such as salon chairs, exercise equipment, shopping carts and baskets. Some industries now use special UV lamps just so. Compliance with a commonly recognized reasonable standard may prove the establishment's only defense against a claim that management "let my granny get infected and she almost died".

I think it unlikely that a standard insurance policy will address the risk of airborne disease, other than categorically excluding such, along with perils of war, volcanic eruptions, sinkholes and terrorist acts. Likewise the economic fallout (business interruption, job loss) due to a civil authority's preventive order, whether scientifically warranted or not.

In a word, be prepared to cut your losses and try to carry on.

Thursday, August 16, 2018

Rental Car Roulette



Now for another kind of scam… or gamble.  Imagine standing at your favorite rental car agent’s desk.  Hopefully, this is the last stage of a long insurance claim ordeal.  Yours was one of a row of parked cars sideswiped by another, a rental car, hijacked for a joy ride and gone out of control into a sidewalk cafĂ©.  Sadly, worst tragedy was injuries to a number of restaurant patrons; who, though they saw the car coming, could hardly leap out of its path.  One pedestrian was hospitalized, intensive care… she may not make it. 

Happily, you have full Collision coverage.  Sure, it’s $1000 deductible; but your claims adjuster hopes eventually to recover that for you from the poor guy who actually rented the wayward vehicle.  At least, so they said. Meanwhile, your car is in the shop awaiting repairs, and you face a decision now regarding rental of a substitute… already late for work.


Yes, you really should sit down and read the contract first.  Why worry about the rental agency’s offer to waive physical damage expenses?  Your policy covers Liability AND Collision damage, also Other-Than-Collision damage. To include waivers, it almost doubles the rental expense.  Will your insurer pay for that also?  They even say that when rental expense is charged to your credit card, it might cover your deductible. You didn’t buy that New/Leased car “gap” coverage; anyway, rental cars are by definition “used”, so you think. And these rental agreements are all standard, right? They must be designed to accommodate your own personal insurance.

WRONG… Take it from me, longtime insurance agent.  We used to coach clients when to buy the rental agency’s waiver, to avoid the worry of coughing up their deductible on the spot.  But that was when subject to a tight travel schedule, lest delay of an insurance claim cause you to miss a scheduled flight.  No more! 

I discovered recently that rental car agreements have changed.  Only one way to be fairly certain your own insurance satisfies:  Get a copy of the company’s contract and ask your insurance agent to review it.  (That’s assuming, of course that you have a personal insurance agent who offers the service.)  Problem is planning for such in advance and persuading the rental agent to release a copy.  Good luck.  And there surely won’t be time in a pinch—like now, clock ticking and supervisor threatening to dock pay for delay in showing up for your shift.


No, these days we must recommend that clients always purchase the physical damage waiver, and even the rental agency’s liability extension.  This is because their contract will often obligate a renter to indemnify the owner (rental company) for all potential financial damages, including that caused by someone else… even an unauthorized driver or a criminal.  And any “gap” in value between new replacement cost, repair expense or street value: what if your policy doesn’t cover that?  Even if your insurance includes Loss of Use, fat chance that the rental company’s claim for income lost will match what your insurer calculates as “reasonable” time to repair or replace the car.

So then, let’s fast forward.  Your car was parked.  You weren’t driving; but even if you had been sitting behind the wheel, this “accident” is deemed not your fault. What if it was your car pushed into that pedestrian? Legal liability couldn’t be yours. That obligation must fall upon the criminal driver, or maybe owner of the offending car; else the renter of that car… anyone but you.  But if a rogue judge decides you must share the fault, your insurance would cover, right?

That’s right… up to your Liability coverage limit.   But as it turns out, it is only a Collision claim.  Though your $1000 deductible remains on the table… had to pay that up front to the body shop.  Leastways, now you have your car back.

Now rewind… Who was “at fault”?  Well, the carjacker, of course.  He was arrested, charged for driving drunk, as well as grand theft for stealing the rental car and assaulting the renter.  But that guy is jailed, awaiting trial. He’s a loser, will never pay.  Word is that the rental car company is denying liability, as their client (the renter) agreed by contract to fully indemnify them for all damages and claims, as well as legal defense expenses.  Even if he had purchased their physical damage waiver, or their liability insurance… the carjacker was an unauthorized driver, which invalidates all that. 

So, claims and bills are rolling in from injured parties, from the restaurant owner, city property assessments, rental company’s legal defense; and of course, rental car replacement and subsequent rental income lost.

Renter of that car gets the total bill, hundreds of thousands of dollars.  His insurance policy limits Liability and legal defense to $100,000.  Though assaulted, he wasn’t badly injured… Good thing, as his auto policy Medical wouldn’t cover that anyway.  So how much of total claims will his own insurer pay?

Hold your seat… Nothing!


Sorry, one’s own insurance covers only those third party claims for which the policyholder or permissive driver is ‘legally liable’.  A carjacker is not a covered driver.  Nor was the renter responsible under civil law; therefore his own liability insurance may not be triggered.  He is obligated rather by commercial contract for claims brought against the rental company.  And there’s the rub.  Far better (?!) had it been the renter driving drunk or fallen asleep, otherwise legally at fault; for then, at least, his own liability insurance would apply, to a point.

So, renter beware!  It may be a very dangerous gamble when you decide to forgo expense of rental car liability insurance extensions and damage waivers.  Yes, a carjacking seems unlikely.  But what if a driver listed on the rental contract is sick or intoxicated and a friend or family member offers to drive instead? I got notice once that my car was involved in an accident. I knew it was never there. Someone copied a license plate wrong.  What if the car you rent is misidentified as party in an accident, or maybe a road-rage incident; and it costs the rental company time/money to defend? So the accident wasn’t your fault, and it may take some time to prove it.  Doesn’t matter to the rental company.  They want their car replaced now, lawyers retained now.  Maybe their car failed mechanically, and they truly believe you are to blame somehow.  

Solution? Buy their waiver, and the car gets towed back to their building.  No argument, no further expense, no unexpected billings later.

Again, it depends upon the actual rental agreement.  Drive smart. Rent smarter.

Saturday, July 16, 2016

Round and round and round she goes...

And where she stops... Nobody knows



Insurance fraud

We all pay for it, even when not directly targeted. As much as a third of your premium expenses may be inflated because of it. Insurance industry personnel at every level are schooled to watch for tell-tale signs. Though claims adjusters find themselves obligated by state regulation to pay quickly, including those claims that appear to be fraudulent. Classic scam is the Swoop and Squat, where the scammer employs an accomplice to pose as unwitting victim and claimant against your insurance, when together they cleverly maneuver to force your car into a panic stop, rear ending the car ahead. 


It is only one of many cons, all based upon age-old tricks, and extremely difficult for an insurance investigator to prove; harder yet to prosecute. Only as the perpetrator is repeatedly successful and establishes a pattern, can a persuasive case be built and jury motivated to convict. I have customers complaining to me:
"It was so obviously a scam... Why can't they do something?  And this is going on MY record!"

Insurance companies are often portrayed as financial scammers in film and TV. Truly unfair insurance claim settlements are quite rare, in my experience (as both insurance agent and claimant). But even government officials are known on occasion to engage in schemes that line their pockets or add perks to their positions of power at the expense of the innocent or disadvantaged or clumsy though otherwise law abiding citizen. Look at the 2014 police impound scam in King's County, California:


Notice that the police chief and private tow yard were both named Miller... a conspiratorial dynasty. As an agent, I have witnessed attempted insurance fraud. Personally, I haven't been marked as yet by a fraudster. But I have suffered extensive fallout from identity theft and a local government variety of impound extortion.

Yeah, I recognized the routine; sensed subterfuge, Though I wanted to believe and was willing to trust that this young police clerk was telling it straight to my son.  He was the driver who got trapped in their restricted parking snare, and he wanted only to close the matter responsibly.  They had already insisted that I, as sole titled owner of the confiscated car, brave Friday evening freeway traffic to travel from the other side of the county so to sign off on the ticket. (Turned out later that police should have been talking to me, and only me, as car owner.)
"This paper is all you need to get your car," said police to my driver, twice looking him (only him) eye to eye. And though the impound lot was already closed for the day, he could simply call this number and they should open the gate. 

Minutes later, it even seemed the tow company's phone operator was on our side. Soon as we paid the city fine, after all, we became their customers.  Surely they would treat us accordingly.
"You can actually save money," she assured my son, "...if you wait until morning." Extra $93 gate fee to send someone up (from behind the gate) to reopen after hours.  Though trucks and their operators were coming and going as we watched.
www.fraudguides.com/cars/towing-scams/
Here was when I first felt suspiciously like a victim, yet unable to stop the momentum. According to a FraudGuides.com expose, most California cities consider it unlawful for private tow companies to charge a gate fee, because city-run impound lots don't.  But it's up to the exploited citizen (as advised by police) to pay all redemption charges promptly, then drag the tow company into small claims court for a refund.  Of course, said company is gambling that their "mark" will prefer to avoid that extra bother and expense.

Next day, I was three hours and three counties away, happily attending my daughter's college graduation. Brother showed up later, then disclosed-- No they wouldn't release our car when he re-appeared at the tow yard that morn.  Only the registered owner could redeem it and must do so in person. I would be back in town Sunday. But they weren't open Sundays, unless we pay the extra $93...  And by the way, it's going to cost their highest price for a tow PLUS the number of days garaged behind their gate... No, not 24-hour days or office-hour days; rather any part of any day they had excuse to keep my car, whether or not my driver actually showed up in good faith according to their operator's instruction and the police clerk's assurances.

So when I finally appeared Monday morning at their window (proving less expensive after all than to pay that $93 on Sunday) the price totaled over $530 to buy back my wheels... PLUS extra 2% fee because nobody carries cash anymore... and of course no way will they ever take checks. Further, it isn't their fault that the police misled us, nor that their phone lady failed to mention how the owner must be present; nor that Friday night counts as a full day, or that Sunday would be forced upon us as yet another chargeable day in addition to the "service" of abducting my car on behalf of police.  Auto Club discount? Company stopped towing for them twenty years ago.  (Nor will AAA reimburse the inflated tow expense.) And what do they care that law enforcement makes them the bad guys, or that their better business reputation is trashed? Customer complaints that I read online would devastate any other enterprise.

Yes, I finally knew I'd been had by another age-old scam. It's name varies-- Shell Game, Pigeon Drop, Fiddle Game or simple extortion.

According to Wikipedia:Three-card Monte — also known as find the lady and three-card trick — is a confidence game in which the victim, or mark, is tricked into betting a sum of money, on the assumption that they can find the "money card" among three face-down playing cards. It is the same as the shell game except that cards are used instead of shells.  In its full form, three-card Monte is an example of a classic "short con" in which a shill pretends to conspire with the mark... while in fact conspiring with the dealer to cheat the mark. Chances are almost impossible with a good con artist against you.
Though legal, it's actually the traditional persuasion ploy, a technically legal fraud, holding your property for ransom. Tow company owner and call center comprise the confidence artist, tow yard operator and drivers their goons, while local police parking enforcement is the shill playing psychological sleight of hand. They all pretend to be independent agents, just doing their respective jobs for the good of society. But their combined objective, from placement and wording of signage to the reluctant redemption of your car, is to maximize the take (your money for your car). Car owner is the mark and driver another unwitting shill, both prey in a cat-and-mouse entrapment. 

Lessons learned

1. Don't assume that parking is always allowed there.  Search for a hidden notice and carefully decrypt its wording. In my son's recent experience, it was legal street parking 24/7... EXCEPT for certain hours on some Fridays when street fair vendors are charged rent to occupy the space. 
Perfect pigeon trap to pad city coffers.  I hear tell of another town in Southern California that prohibits parking overnight on any public street.  Reportedly, the signs were posted deliberately at city boundaries where visitors may see and read them only when leaving town.

2. Don't assume that the parking enforcer and tow truck driver are legitimate.  Be respectful and cooperative, but write down badge and license numbers, noting descriptions of their vehicles, persons and uniforms. Watch that your car is properly inspected and protected from unreasonable damage. You will be required later to sign off, releasing all other parties from liability; that is, if you ever hope to recover the car. 


2. Expect 3 to 5 times more expense than one might reasonably presume a fair penalty for parking infractions. Know that the system is rigged to make suckers pay and pay and pay again. The city managers are always poor (due to overspending); therefore you owe them. It's what they genuinely believe, and your intransigence or challenge of their obvious right to your largess is merely proof that you owe and opportunity to charge you more.

3. Ask the stupid questions... about every step and expense; ask over and over, of every officer, clerk, manager or operator at each stage of the process.  Repeat their replies so they must confront how you hear them.  And when they get defensive or angry at your queries-- this is their "tell" and your signal to be extra wary.  It's the classic psychological manipulation of the mark by a con artist: making you feel foolish or intrusive, so better to play you as the fool while they further intrude upon your time and resources.  The strategy is fashioned to wear you down, so you will yield like putty when squeezing every possible penny from pocket or credit account.

4. Consider joint registration, two household drivers for each vehicle.  If one is away, the other can respond quickly to redeem impounded property.  In retrospect, it may well have been better to pay the $93 gate fee on that first visit to the tow yard... Though there was no telling how soon an operator would actually show. Time and money, money and time amply peppered with frustration: that is ever their due. Thus they own you, even if not (yet) your property.  It's how power players continually amp up their power, preparing you for the next time their trap captures you unawares.


Woof and Squat