Every once in a while I get the classic "5 o'clock Dummy" customer in my office and I can see it coming from a mile away. See if you have recognized this guy. I am finishing my last policy with a (normal) client and in walks this gentleman (far from it) with who looks like he is in a rush to be somewhere. After checking in at the front desk and supplying the required documentation, my secretary comes to me and says, "the guy out front just bought a car from one of these fly-by-night used car dealerships down the street. He lost his driver's license and has written it down on this stained piece of paper. He also does not have the registration or purchase contract. The salesman told him that he does not need it to get insurance." Ahhhhh ... the 5 O'clock Dummy! After being in this business this long, I have actually come to enjoy these disastrous deals.
     I ran his driving record and it turns out he has a suspended license and needs an SR-22 to get it back not to mention some F.T.A.'s to boot. So I call this customer over to my desk and proceed to tell him about his driving record and outstanding fines but he just doesn't care. He wants that 1990 Pontiac Firebird Trans Am. To no avail, he is unfazed by these issues and proceeds to tell me, "Oh yah, I forgot about those tickets. I am gonna pay them off soon and get my license back .... don't worry. Do I need a valid license to buy this car? I don't think so." My reply. "All I ask of you is that you provide a valid license within 30 days and you can keep the policy going. If your license remains suspended, you will lose your down payment almost entirely." And genius responds, "No problem .. now how do I do this?".

I told him to go back and get the car and the purchase contract and so he does and I eventually end up writing him the policy and I issue the SR-22.
     Here is where it gets fun and I am speaking about paying for the policy. He gives me a check. Not just any check. This check is being written out of a rat tailed booklet that looks like he ate a Whopper on it and spilled most of the special sauce on it. He hands me check number is 110, a brand new account. The red flags are flying all over this squirrelly deal by now. I go in the back to make the photo copies of the documents and I call the bank for verification. Sure enough, not only are the funds not good but the account does not exist. It's a freakin' bogus checking account. Ahhhhh, my 5 O'clock Dummy has once again proven that cockroaches will inherit this planet. He must be a descendant. So I inform him of the problem and what does he say? As you would expect. "I don't know what you're talking about. I just deposited $2000 in that account yesterday! I am gonna go down to the bank right now and straighten this out and I will bring you the cash. Can you wait for me?" It's now 5:10 P.M. and I tell him that I can't due to other obligations. He begs and pleads for me to stay and I finally tell him that he has 15 minutes to get back here or the deal is off. Did he return? I think you know the answer.
     You just gotta love what some people will try to do and get away with. If you can't laugh about it and dismiss it, you could absolutely go insane. You may have him in your office and I guarantee you will see him again at 5 PM.