One day about two years ago, Cary Cheldin answered his telephone at work to hear a litany of abuse from the other end. Cheldin owns his own insurance business and the man on the other end was an attorney demanding $13,000 for damage to a 1973 Chevy pick-up truck caused by one of Cheldin's customers. Cheldin was offering $3,500 (coincidentally, he once owned the same year and model of the truck, and sold it for $1,500 in 1998.) When Cheldin reques...
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