{"id":8961,"date":"2016-11-18T14:00:17","date_gmt":"2016-11-18T18:00:17","guid":{"rendered":"https:\/\/www.duck9.com\/?p=8961"},"modified":"2016-11-19T02:14:21","modified_gmt":"2016-11-19T06:14:21","slug":"duwey-cheatem-and-howe-how-insurance-sometimes-works","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/duwey-cheatem-and-howe-how-insurance-sometimes-works\/","title":{"rendered":"Duwey, Cheatem and Howe. How Insurance Sometimes Works"},"content":{"rendered":"<div>\n<div>By Larry Chiang&nbsp;<\/div>\n<div>\n<\/div>\n<div>I was in an accident December 2009 after a Yelp San Francisco party. California Highway Patrol cited clear at-fault to the other car that struck me.&nbsp;<\/div>\n<div>\n<\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/11\/image4-3.jpg\" alt=\"image4.JPG\" id=\"2E807FA9-6F02-490A-B693-6B4001213B5E\">\n<\/div>\n<div>I just got the check. It&#8217;s 2016.&nbsp;<\/div>\n<div>\n<\/div>\n<div>2016-2009 = 7 years.&nbsp;<\/p>\n<table style=\"border:1px solid black;padding:8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width:48px;height:48px;padding-right:8px;\"><\/td>\n<td><b>Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/799430347230322688?refsrc=email&amp;s=11\">11\/17\/16, 5:53 PM<\/a><\/div>\n<div>$2875.oo \/ October 2011 <a href=\"https:\/\/t.co\/zpUN1dhcQF\"><span>pic.twitter.com\/zpUN1dhcQF<\/span><\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div>\n<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/11\/image1-16.jpg\" alt=\"image1.JPG\" id=\"0CFF287F-63FD-4511-A073-96A2D66F62AC\"><\/p>\n<div>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/799438072362377216?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">11\/17\/16, 6:24 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">Slightly worse offer $3180.oo. And, I lose the BMW!! {December 2011}&nbsp;<a href=\"https:\/\/t.co\/F9hV4nsZSn\">pic.twitter.com\/F9hV4nsZSn<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/11\/image2-9.jpg\" alt=\"image2.JPG\" id=\"F54FC682-9AC7-4059-AA0E-1EE52A25FEFD\"><br \/>\n<\/span><\/p>\n<\/div>\n<table style=\"border: 1px solid black; padding: 8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width: 48px; height: 48px; padding-right: 8px;\"><\/span><\/td>\n<td><b style=\"background-color: rgba(255, 255, 255, 0);\">Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/799438607790403584?refsrc=email&amp;s=11\" style=\"background-color: rgba(255, 255, 255, 0);\"><font color=\"#000000\">11\/17\/16, 6:26 PM<\/font><\/a><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\">January 2016. Resolution to pay $7,026.18. At-fault accident was 2009 :-)) \u26fd\ufe0f&#x1f3ad;&#x1f4a5;&nbsp;<a href=\"https:\/\/t.co\/fDWQxX3Qrz\">pic.twitter.com\/fDWQxX3Qrz<\/a><\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/p>\n<\/div>\n<div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2016\/11\/image3-4.jpg\" alt=\"image3.JPG\" id=\"8176EBE2-DD78-4D51-8F6F-EB576D496982\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em\">https:\/\/www.youtube.com\/watch?v=eudADPfTWiE&amp;sns=em<\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&amp;sns=em\">https:\/\/www.youtube.com\/watch?v=WVKHwYJzVVc&amp;sns=em<\/a><\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>\n<\/span>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang&nbsp; I was in an accident December 2009 after a Yelp San Francisco party. California Highway Patrol cited clear at-fault to the other car that struck me.&nbsp; I just got the check. It&#8217;s 2016.&nbsp; 2016-2009 = 7 years.&nbsp; Larry Chiang (@LarryChiang) 11\/17\/16, 5:53 PM $2875.oo \/ October 2011 pic.twitter.com\/zpUN1dhcQF Larry Chiang (@LarryChiang) 11\/17\/16, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[31],"tags":[],"class_list":["post-8961","post","type-post","status-publish","format-standard","hentry","category-credit-underwriting-risk-mitigation"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8961","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=8961"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/8961\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=8961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=8961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=8961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}