


Back in the early-90’s I used to work as an investigator out in south Jersey. Investigator can mean lots of different things, but for this post it means I handled pre-mature death investigations for insurance companies. My mentor Alex and I freelanced together, picking up cases wherever we could, and we never turned anything down.
In New Jersey (and probably most states), if someone dies within two years of taking out a life insurance policy an investigation has to be performed. This is a state requirement as well as the standard practice of insurance companies. And these investigations have to be performed quickly since life insurance polices are sometimes worth hundreds of thousands of dollars. Even millions. The companies aren’t allowed to sit on that money, earning interest on it for any longer than required to resolve the claim. They’ve gotta pay out.
But in the case Im going to discuss here, the beneficiary of the policy was the sole survivor of a car crash that killed his whole family. His convertible had been rear-ended by a 26’ foot panel truck on an exit ramp off the Garden State Parkway: forty miles an hour and not even a skid mark. Thats how drunk the Korean truck driver was that hit him. Never even touched the brakes. The impact was so severe that it instantly snapped the neck of our insured’s seven year old boy, while his daughter was ejected into a tree. The wife died in the hospital a night later. Goodbye family.
The beneficiary--the subject of this post, had himself been seriously injured in the same accident and was considered mentally incompetent for several months due to brain injuries he’d sustained. So this was an odd case in that I didn’t perform my interview with him until months had passed, and truth be told, very little was really expected of me.
I have to add one last thing: this was the first case I ever handled involving someone from my own town. I mean, now I work in New York so I always handle cases close to home; but back then I was living in a small shit-hole town way south on the Garden State Parkway near Cape May. So this guy I interviewed was arguably one of my neighbors. But like I said, Alex and I never turned work down.
The summer evening that I pulled up to the guy’s flagstone house for an interview he’d been on the small porch waiting for me. He extended one of his long arms and presented a big meaty paw of a sunburnt hand, which I warmly shook since I’d reviewed the details of the crash in preparation and really felt bad for the guy’s circumstance.
Entering the house, it was obvious that it had remained largely unchanged since before the accident. Touches of pink femininity in the kitchen along with bright photographs of children in the hall now looked odd in what had become a four-bedroom bachelor pad for a middle-aged Caucasian man with brain damage.
“For a long time after the accident it was hard for me to remember anything from one day to the next,” he told me over his shoulder as he led me toward the living room, “so, my doctor didn’t think I should move things around too much until I regained some consistency. I had to re-learn a lot of things I took for granted.”
He led me to the family room where his personal attorney sat waiting, and it was there where we proceeded with the statement. It took a long time cause even at this late juncture the guy was slow at processing my questions. He seemed to have trouble retrieving information from his addled mind and appeared frustrated when he couldn’t communicate as effectively as he’d like. You could see he was still kind of damaged goods mentally, which I noted in my report.
But other aspects of his memory were fine, that’s what was kind of funny, by which I mean strange. Things like his date of birth and his kid’s dates of birth and locating old documents--most of the stuff I really needed from him were no problem to recall. It was the accident that he couldn’t recall; and daily events that still slipped his mind. And sometimes names or faces gave him trouble. And of course sometimes certain words “wouldn’t be there,” when he attempted use them. I guess in retrospect the guy was pretty messed up.
Anyway, I was at his house a long time ‘cause you don’t just jump right into the topic of a man’s dead wife and two kids. You take your time and you let ‘em know that the whole thing sucks; but at the same time you get all your questions asked and answered and answered completely so you don't have to bother them again. Then you get the fuck out of the person’s life forever, which is what I did and what I’ve always done.
Only this time I saw the guy again.
First time was about three or four months after our interview. I was driving home late from Atlantic City, and when I exited off the Garden State I saw our subject walking along the shoulder of the off-ramp, back toward the main road to our town. Sort of an absent look on his face. Absent yet somehow occupied as he trudged along in his sheepskin jacket and wool cap. When I recognized who it was I got really spooked cause this was where his accident had occurred and it was after 3:00 in the morning. And it was really dark outside and had begun to cold at night; so what the hell he was doing out there was anybody’s guess. Course I don’t get involved in other people’s business--especially other people’s devastatingly emotional business, so I left him to his own devices. But his blank face creeped me out the whole drive home.
Then I saw him again a few months later and that time I did pull over ‘cause it was snowing and he was bumbling on that same stretch of off-ramp albeit a little closer to the main road this time: drifting too far out into the roadway as though following his nose instead of his eyes until he caught my eye, causing me to exclaim You’ve gotta be kidding me to myself in the car as I pulled over alongside of the road.
“Don,” I called out the passenger side window as I rolled it down automatically, “You alright?”
He looked at me for several seconds, uncertain as to who I was. A stranger. Family. Perhaps everyone was the same to him now.
“Do I know you?” he asked from beneath his heavy brow, blinking in the flurrying snow as he placed a hesitant hand on the passenger door.
“Yeah,” I said, mustering a bit of apology into my voice, “I’m the investigator who met with you a few months back. Lodo Grdzak. I live here in town. ”
I gave time for my face or name to register but couldn’t say whether it did. So I said.
“Looks like you got caught in a little weather. If you want I can give you a ride home. I just live on the opposite side of H____ Street.”
His expression never changed, and he took no action for a few moments before hesitantly lifting the door handle.
“..Okay, I suppose I would appreciate a ride. ...Weather kind of changed on me there.”
“No problem,” I said reassuringly, “get in.”
So I drove Don home as he sat rigidly in the passenger seat, at attention; too tall in my car’s small compartment with that blank look of his.
“...Don’t wanna be walking these roadways in the snow when its dark,” I said, broaching the subject carefully, “’specially by the parkway there.”
Don stared straight ahead as he nodded his head in agreement, blinking as oncoming headlights passed and we proceeded thru the final traffic light to his house.
“Weather ch..”
“You’re an investigator, right Mr. Grdzak?” he asked suddenly, cutting off my small talk.
“...Thats right,” I answered. “You don’t remember meeting with me and your attorney? We spoke for over two hours.”
“...I remember,” he said, though I wasn’t entirely convinced he was telling the truth. “I met with you and Jack P____, right? About Pam and the kids, right?”
It was oddly sad the way he sought confirmation to his assertions. As though I could have denied their validity and he wouldn’t have had the conviction to vouch for their correctness. As though uncertain.
“..Thats right,” I told him as we pulled into his driveway.
I waited for Don to unfasten his seatbelt and exit but instead he stayed in the car, hunched in the passenger seat of the too small compartment staring thru the windshield at some unknown object.
“...You know, its funny that I bumped into you tonight,” he finally said still staring out the windshield. “’Cause the other day I remembered something related to the accident that I had a question about. I don’t suppose you want to come inside for a minute?”
“Well Don, if you’ve got a question about something like that you need to have your attorney take it up with the company. I ca...”
“No, no” he interjected with a pained expression as he turned toward me for the first time, “its not like that. ..This isn’t about insurance. Its a question I have about the accident itself. An investigator’s question. I’d really value your opinion in regards to something that’s troubling me.”
So we went inside the house, which was still largely as I’d remembered it. Don fixed me a McCallans on the rocks, then walked me back toward the living room where we’d conducted the initial interview. The same family photos still hung on the wall above the couch, all subject’s still oblivious as ever to their fate.
Once I was settled in on the recliner Don produced one of those big envelopes that actually ties shut and proceeded to unravel the string.
“You have kids Mr. Grdzak?” he asked, as I watched him dispense the items on to the low coffee table next to the couch.
I shook my head no as I watched him with curiosity, wondering where this was going and starting to regret that I’d come inside.
*NOTE: Scroll down for Part 2 of 2








































