Life

11/25/2025

I wanted to begin by mentioning that Hawks Pass is now available in paperback (currently on Amazon and soon through other outlets), though this is not a book-centric post: this post is about car insurance, which might not sound an altogether intriguing topic, but seeing those of us who drive are required to have it, and therefore pay for it, you might find this little caveat more interesting than you’d expect.

I was recently notified by the alumni association of a university I attended that it had partnered with a specific insurance company to offer lower rates to graduates, and I thought, well, why not check it out. Turns out the rate I was quoted was about a third of what I was paying for six months from a rival company, and when I contacted that company to cancel my policy (one of the big seven-or-eight that are constantly running TV ads, in case you were wondering), a representative informed me they would be happy to offer me my current plan for less than half of what they had been charging me.

This made me laugh. Why didn’t they inform me they could offer such a discount when they sent out my renewal notice a month earlier? What had changed so drastically in that short period of time that allowed them to slash my rate?

I suspect the answer is nothing apart from the intention to cancel my service. I suppose it is possible some significant, quantifiable factor in my state actually changed in a way that allowed them to lower my premium (which is what the representative claimed when they offered me the new deal), or perhaps it is company policy to only reevaluate customer rates when a recalculation will add to the company coffer, not when it will result in a consumer discount. Maybe such discounts can only be offered when a policy-holder takes it upon themselves to do a little research, navigate the customer service swamp and call the company’s bluff.

I suspect this behavior constitutes a larger policy designed to enshitify this company’s service, and I doubt this practice is exclusive to a single insurance provider. When oligopolies have the means to screw you over, they will not hesitate to do so. I have heard similar stories regarding the practices of satellite radio services and internet providers who lack sufficient competition in their respective markets, and, given the time and desire to do so, I’m sure one could compile a tome of offenders, a veritable phone book of automated customer service numbers designed to prevent you from ever reaching a human representative.  

The moral of the story is that if you suspect a corporation (insurance or otherwise) is gouging you, threaten to take your business elsewhere and see how its representatives respond.

They might just offer you the price you should have been paying all along.

Until next time,

Cal

Hawks Pass

11/4/2025

To all who have found their way to this site, I extend my greetings.

This is my initial blog post, and seeing my new book Hawks Pass will be available shortly, I think it only makes sense to write about something related to the story. I don’t want to venture too far into the contents of the book, but I think it is safe to say the setting represents one of the many possible results of technological dependence. This condition is not new to society at large—think of what happens whenever the power goes out—but internet-based services have taken technological dependency to another level.

Companies and institutions not only assume everyone has easy and reliable access to the internet, but that we all have phones capable of scanning the barcodes they insist on using to replace basic information. I have recently encountered scenarios where the barcode was the only way to continue the activity in question, and in one such scenario, I was using my laptop and did not have my phone on hand. I find it hard to believe this practice would hold up in court if challenged, but I am not a lawyer and have neither the time nor the patience to search out that rabbit hole and squeeze myself into it.

Is this technology necessary? Is it actually more convenient than clicking on a web address or, God forbid, typing one in?

The barcodes are a symptom of a larger issue, one that is far too deep and multifaceted to cover in a single blog post, though technological dependency is at the heart of it. For now, let’s keep it simple. A character in Hawks Pass poses the following question to his readership in the years before the events of the story take place: If society elects to give itself entirely over to technology, what will happen when that technology fails?

Well, that depends, but whatever the outcome, it is unlikely to be a good one.

I mentioned power outages above, and for all the things that could potentially go wrong with web-based systems and networks—and there are many—we might pay a thought to the foundation the entire infrastructure was built on. It won’t matter how advanced and impenetrable a building’s security systems are if an earthquake takes out the ground beneath it. That building will still come crashing down. If you can’t power your phone on, you won’t be able to scan the barcodes, nor will you be able to access your digital currencies, your web-based bank accounts, your cloud-stored content, and so on.

Yet the powers-that-be seem increasingly willing to tie all aspects of daily life, from the arbitrary to the critical, to technological and web-based systems that will only function when the servers supporting them are adequately powered (not to mention operating properly). Is this going to benefit society in the long run? And more importantly, is it safe?

It the setting Hawks Pass takes place in, the answer is no, it was not.

Until next time,

Cal

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