A personal injury lawyer posing for a photograph.

SOMETIMES INTENTIONS ARE MORE IMPORTANT THAN ACTIONS.

The great jurist, Oliver Wendell Holmes, once wrote that, “even a dog knows the difference between being kicked and being tripped over.”  Even though the consequences may be the same, from the dog’s perspective, intentmakes all the difference.  Most people don’t realize it, but in the world of insurance, the same general principal applies.  In other words, two exact actions, with the same consequences, are treated differently because of the intent behind those actions.  One action may result in insurance coverage, while the other action might not.

For example, if a homeowner is out in their front yard practicing their golf swing, and some one walks up, unbeknownst to the homeowner, and is struck in the head by the club and sustains serious injuries, the homeowner would likely be covered by his homeowner’s insurance policy.  If however, the homeowner intentionally hit the person with the club, causing the same injuries, there would likely be no coverage under the “intentional act” exclusion contained in most insurance policies.  In fact, the homeowner would likely also be charged with criminal assault.  Intent makes all the difference.

Another example, taken from actual case law, is where a person trying to commit suicide, steers their vehicle directly into the lane of an oncoming vehicle, and causes serious injury or death.  Insurance coverage for those injuries would likely not be covered under the policy insuring the suicidal driver.  If, on the other hand, a highly intoxicated driver falls asleep, or otherwise swerves into the lane of an oncoming vehicle, those same injuries to the other persons would be covered under the drunk driver’s liability policy.  Again, intent makes all the difference.

The reason and policy behind these exclusions is that the cost of insurance is based upon actuarial and other statistical data, which factors in the likelihood of events and claims. To provide coverage when there is an intentional act, takes the control out of the hands of statistics and randomness, and places it squarely in the hands of the policyholder.  This is simply an unacceptable transfer of power and control from the insurance company to the insured.  It is also against public policy insomuch that it allows someone to purchase protection for what may be an intentional and illegal act.

It is important for all consumers of insurance to understand exactly what coverage they are paying for.  If you have any questions about insurance coverage, feel free to contact Nelson Personal Injury, LLC today for a free consultation.

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          [46] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1678
                  [post_name] => how-truck-accidents-differ-from-car-accidents
                  [post_title] => How Truck Accidents Differ from Car Accidents
                  [post_author] => 3
                  [post_date] => 2021-07-28 16:17:16
                  [year] => 2021
                  [month] => 7
                  [post_type] => post
              )
      
          [47] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1670
                  [post_name] => how-minnesotas-no-fault-insurance-system-works
                  [post_title] => How Minnesota’s No-Fault Insurance System Works
                  [post_author] => 3
                  [post_date] => 2021-07-19 16:21:50
                  [year] => 2021
                  [month] => 7
                  [post_type] => post
              )
      
          [48] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1663
                  [post_name] => what-to-do-if-you-are-the-victim-of-a-hit-and-run
                  [post_title] => What To Do If You Are the Victim of a Hit-and-Run
                  [post_author] => 3
                  [post_date] => 2021-06-29 14:09:06
                  [year] => 2021
                  [month] => 6
                  [post_type] => post
              )
      
          [49] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1657
                  [post_name] => 5-common-questions-crash-victims-have-for-car-accident-attorneys
                  [post_title] => 5 Common Questions Crash Victims Have for Car Accident Attorneys
                  [post_author] => 3
                  [post_date] => 2021-06-07 17:35:01
                  [year] => 2021
                  [month] => 6
                  [post_type] => post
              )
      
          [50] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1652
                  [post_name] => 6-steps-in-a-personal-injury-case
                  [post_title] => 6 Steps In a Personal Injury Case
                  [post_author] => 3
                  [post_date] => 2021-05-25 15:53:03
                  [year] => 2021
                  [month] => 5
                  [post_type] => post
              )
      
          [51] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1647
                  [post_name] => 3-steps-to-take-if-youve-been-injured-as-a-pedestrian
                  [post_title] => 3 Steps to Take If You’ve Been Injured as a Pedestrian
                  [post_author] => 3
                  [post_date] => 2021-05-05 15:01:47
                  [year] => 2021
                  [month] => 5
                  [post_type] => post
              )
      
          [52] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1644
                  [post_name] => what-if-the-person-who-caused-the-accident-has-no-insurance
                  [post_title] => What If the Person Who Caused the Accident Has No Insurance?
                  [post_author] => 3
                  [post_date] => 2021-04-07 15:18:17
                  [year] => 2021
                  [month] => 4
                  [post_type] => post
              )
      
          [53] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1640
                  [post_name] => what-is-a-no-fault-arbitration
                  [post_title] => What Is A No-Fault Arbitration?
                  [post_author] => 3
                  [post_date] => 2021-03-22 15:32:31
                  [year] => 2021
                  [month] => 3
                  [post_type] => post
              )
      
          [54] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1636
                  [post_name] => the-importance-of-taking-photographs-after-a-slip-and-fall
                  [post_title] => The Importance of Taking Photographs After a Slip and Fall
                  [post_author] => 3
                  [post_date] => 2021-03-03 17:18:28
                  [year] => 2021
                  [month] => 3
                  [post_type] => post
              )
      
          [55] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1561
                  [post_name] => 10-things-to-keep-in-your-car-for-winter-safety
                  [post_title] => 10 Things to Keep In Your Car for Winter Safety
                  [post_author] => 3
                  [post_date] => 2021-02-10 16:30:04
                  [year] => 2021
                  [month] => 2
                  [post_type] => post
              )
      
          [56] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1558
                  [post_name] => 4-steps-to-take-if-youre-in-a-motor-vehicle-accident
                  [post_title] => 4 Steps to Take if You're in a Motor Vehicle Accident
                  [post_author] => 3
                  [post_date] => 2021-02-03 16:52:18
                  [year] => 2021
                  [month] => 2
                  [post_type] => post
              )
      
          [57] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1552
                  [post_name] => 1552-2
                  [post_title] => A Variety Of Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2021-01-06 22:27:45
                  [year] => 2021
                  [month] => 1
                  [post_type] => post
              )
      
          [58] => stdClass Object
              (
                  [slug] => slip-and-fall
                  [ID] => 1548
                  [post_name] => what-to-look-for-in-winter-slip-and-fall-cases
                  [post_title] => What To Look For In Winter Slip And Fall Cases
                  [post_author] => 3
                  [post_date] => 2020-12-21 22:35:53
                  [year] => 2020
                  [month] => 12
                  [post_type] => post
              )
      
          [59] => stdClass Object
              (
                  [slug] => car-accidents
                  [ID] => 1545
                  [post_name] => winter-checklist-for-your-car
                  [post_title] => Winter Checklist For Your Car
                  [post_author] => 3
                  [post_date] => 2020-12-09 16:51:55
                  [year] => 2020
                  [month] => 12
                  [post_type] => post
              )
      
          [60] => stdClass Object
              (
                  [slug] => motorcycle-accidents
                  [ID] => 1540
                  [post_name] => motorcycle-safety-on-roadways
                  [post_title] => Motorcycle Safety On Roadways
                  [post_author] => 3
                  [post_date] => 2020-11-13 19:17:25
                  [year] => 2020
                  [month] => 11
                  [post_type] => post
              )
      
          [61] => stdClass Object
              (
                  [slug] => car-accidents
                  [ID] => 1537
                  [post_name] => truck-accident-personal-injury-claim-services
                  [post_title] => Truck Accident Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2020-10-26 19:30:09
                  [year] => 2020
                  [month] => 10
                  [post_type] => post
              )
      
          [62] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1534
                  [post_name] => motorcycle-accident-personal-injury-claim-services
                  [post_title] => Motorcycle Accident Personal Injury Claim Services
                  [post_author] => 3
                  [post_date] => 2020-10-09 17:59:20
                  [year] => 2020
                  [month] => 10
                  [post_type] => post
              )
      
          [63] => stdClass Object
              (
                  [slug] => wrongful-death
                  [ID] => 1531
                  [post_name] => wrongful-death-claim-services
                  [post_title] => Wrongful Death Claim Services
                  [post_author] => 3
                  [post_date] => 2020-09-30 21:34:05
                  [year] => 2020
                  [month] => 9
                  [post_type] => post
              )
      
          [64] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1529
                  [post_name] => how-quarantine-affects-your-commute
                  [post_title] => How Quarantine Affects Your Commute
                  [post_author] => 3
                  [post_date] => 2020-09-25 19:41:46
                  [year] => 2020
                  [month] => 9
                  [post_type] => post
              )
      
          [65] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1525
                  [post_name] => who-is-liable-in-a-boating-accident
                  [post_title] => Who Is Liable In A Boating Accident?
                  [post_author] => 3
                  [post_date] => 2020-08-27 14:05:38
                  [year] => 2020
                  [month] => 8
                  [post_type] => post
              )
      
          [66] => stdClass Object
              (
                  [slug] => dog-bite
                  [ID] => 1522
                  [post_name] => what-to-do-after-a-dog-bite
                  [post_title] => What To Do After A Dog Bite
                  [post_author] => 3
                  [post_date] => 2020-08-11 21:16:25
                  [year] => 2020
                  [month] => 8
                  [post_type] => post
              )
      
          [67] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1517
                  [post_name] => do-have-slip-fall-case
                  [post_title] => Do I Have A Slip And Fall Case?
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:22:41
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [68] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1513
                  [post_name] => 4-steps-to-start-a-defective-product-personal-injury-claim
                  [post_title] => 4 Steps To Start A Defective Product Personal Injury Claim
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:02:13
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [69] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1515
                  [post_name] => 2018-accidents-and-injuries-in-minnesota
                  [post_title] => 2018 Accidents And Injuries In Minnesota
                  [post_author] => 3
                  [post_date] => 2020-06-23 19:01:53
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [70] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1509
                  [post_name] => 10-habits-of-safe-drivers
                  [post_title] => 10 Habits Of Safe Drivers
                  [post_author] => 3
                  [post_date] => 2020-06-10 14:17:08
                  [year] => 2020
                  [month] => 6
                  [post_type] => post
              )
      
          [71] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1500
                  [post_name] => minnesota-motor-accidents-10-year-snaphot
                  [post_title] => Minnesota Motor Accidents 10 Year Snaphot
                  [post_author] => 3
                  [post_date] => 2020-05-20 13:32:18
                  [year] => 2020
                  [month] => 5
                  [post_type] => post
              )
      
          [72] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1497
                  [post_name] => how-much-is-my-personal-injury-claim-worth
                  [post_title] => How Much Is My Personal Injury Claim Worth?
                  [post_author] => 3
                  [post_date] => 2020-05-06 19:18:34
                  [year] => 2020
                  [month] => 5
                  [post_type] => post
              )
      
          [73] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1481
                  [post_name] => accidents-by-vehicle-2018
                  [post_title] => Accidents By Vehicle 2018
                  [post_author] => 3
                  [post_date] => 2020-04-23 18:53:46
                  [year] => 2020
                  [month] => 4
                  [post_type] => post
              )
      
          [74] => stdClass Object
              (
                  [slug] => dog-animal-bites
                  [ID] => 1478
                  [post_name] => whos-responsible-for-a-dog-bite
                  [post_title] => Who's Responsible for a Dog Bite?
                  [post_author] => 3
                  [post_date] => 2020-04-09 15:36:17
                  [year] => 2020
                  [month] => 4
                  [post_type] => post
              )
      
          [75] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1475
                  [post_name] => how-do-no-fault-claims-work
                  [post_title] => How Do No-Fault Claims Work?
                  [post_author] => 3
                  [post_date] => 2020-03-19 13:24:29
                  [year] => 2020
                  [month] => 3
                  [post_type] => post
              )
      
          [76] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1472
                  [post_name] => personal-injury-101
                  [post_title] => Personal Injury 101
                  [post_author] => 3
                  [post_date] => 2020-03-06 17:19:07
                  [year] => 2020
                  [month] => 3
                  [post_type] => post
              )
      
          [77] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1461
                  [post_name] => halloween-safety-tips
                  [post_title] => Halloween Safety Tips
                  [post_author] => 3
                  [post_date] => 2019-10-28 13:21:57
                  [year] => 2019
                  [month] => 10
                  [post_type] => post
              )
      
          [78] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1459
                  [post_name] => u-s-pedestrian-death-rates-reach-30-year-high
                  [post_title] => U.S. Pedestrian Death Rates Reach 30-Year High
                  [post_author] => 3
                  [post_date] => 2019-10-02 13:29:43
                  [year] => 2019
                  [month] => 10
                  [post_type] => post
              )
      
          [79] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1458
                  [post_name] => bicycle-safety
                  [post_title] => Bicycle Safety
                  [post_author] => 3
                  [post_date] => 2019-09-18 13:18:44
                  [year] => 2019
                  [month] => 9
                  [post_type] => post
              )
      
          [80] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1452
                  [post_name] => minnesota-crackdown-on-speeding
                  [post_title] => Minnesota Crackdown on Speeding
                  [post_author] => 3
                  [post_date] => 2019-08-28 13:14:34
                  [year] => 2019
                  [month] => 8
                  [post_type] => post
              )
      
          [81] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1450
                  [post_name] => car-crash-in-construction-zones
                  [post_title] => Car Crash in Construction Zones
                  [post_author] => 3
                  [post_date] => 2019-08-14 13:04:09
                  [year] => 2019
                  [month] => 8
                  [post_type] => post
              )
      
          [82] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1448
                  [post_name] => preventing-injuries-to-children-in-car-accidents
                  [post_title] => Preventing Injuries to Children in Car Accidents
                  [post_author] => 3
                  [post_date] => 2019-07-31 13:16:23
                  [year] => 2019
                  [month] => 7
                  [post_type] => post
              )
      
          [83] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1445
                  [post_name] => dog-bite-prevention
                  [post_title] => Dog Bite Prevention
                  [post_author] => 3
                  [post_date] => 2019-07-17 13:19:34
                  [year] => 2019
                  [month] => 7
                  [post_type] => post
              )
      
          [84] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1443
                  [post_name] => driving-safely-with-sunlight-glare
                  [post_title] => Driving Safely with Sunlight Glare
                  [post_author] => 3
                  [post_date] => 2019-06-19 13:03:20
                  [year] => 2019
                  [month] => 6
                  [post_type] => post
              )
      
          [85] => stdClass Object
              (
                  [slug] => minnesota
                  [ID] => 1440
                  [post_name] => new-protections-against-minnesota-elder-abuse-and-neglect-expected
                  [post_title] => New Protections Against Minnesota Elder Abuse and Neglect Expected
                  [post_author] => 3
                  [post_date] => 2019-05-22 13:53:11
                  [year] => 2019
                  [month] => 5
                  [post_type] => post
              )
      
          [86] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1434
                  [post_name] => what-steps-to-take-after-a-slip-and-fall-accident
                  [post_title] => What Steps To Take After a Slip and Fall Accident
                  [post_author] => 3
                  [post_date] => 2019-04-22 13:51:13
                  [year] => 2019
                  [month] => 4
                  [post_type] => post
              )
      
          [87] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1431
                  [post_name] => what-to-do-if-you-witness-a-car-accident
                  [post_title] => What to Do if you Witness a Car Accident
                  [post_author] => 3
                  [post_date] => 2019-04-08 14:08:04
                  [year] => 2019
                  [month] => 4
                  [post_type] => post
              )
      
          [88] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1423
                  [post_name] => what-steps-should-you-take-after-an-accident-or-injury
                  [post_title] => What Steps Should You Take After an Accident or Injury?
                  [post_author] => 3
                  [post_date] => 2019-02-06 15:30:51
                  [year] => 2019
                  [month] => 2
                  [post_type] => post
              )
      
          [89] => stdClass Object
              (
                  [slug] => personal-injury
                  [ID] => 1419
                  [post_name] => spinal-cord-stimulators-causing-injuries
                  [post_title] => Spinal Cord Stimulators Causing Injuries
                  [post_author] => 3
                  [post_date] => 2019-01-02 14:15:40
                  [year] => 2019
                  [month] => 1
                  [post_type] => post
              )
      
          [90] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1388
                  [post_name] => avoid-black-friday-injuries
                  [post_title] => Avoid Black Friday Injuries
                  [post_author] => 3
                  [post_date] => 2018-11-19 13:49:27
                  [year] => 2018
                  [month] => 11
                  [post_type] => post
              )
      
          [91] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1385
                  [post_name] => class-action-lawsuit-against-e-scooter-companies
                  [post_title] => Class Action Lawsuit Against E-Scooter Companies
                  [post_author] => 3
                  [post_date] => 2018-11-02 20:40:51
                  [year] => 2018
                  [month] => 11
                  [post_type] => post
              )
      
          [92] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1325
                  [post_name] => injured-motorcyclist-files-suit-against-government-for-1-7-million
                  [post_title] => Injured Motorcyclist Files Suit Against Government for $1.7 Million
                  [post_author] => 3
                  [post_date] => 2018-09-26 16:38:57
                  [year] => 2018
                  [month] => 9
                  [post_type] => post
              )
      
          [93] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 1228
                  [post_name] => what-you-need-to-know-about-medical-malpractice
                  [post_title] => What you need to know about Medical Malpractice
                  [post_author] => 3
                  [post_date] => 2018-08-29 13:31:08
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [94] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 1120
                  [post_name] => tips-to-help-prevent-motorcycle-accidents
                  [post_title] => Tips to Help Prevent Motorcycle Accidents
                  [post_author] => 3
                  [post_date] => 2018-08-15 16:14:15
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [95] => stdClass Object
              (
                  [slug] => twin-cities
                  [ID] => 1117
                  [post_name] => wrongful-drowning-deaths-due-to-foam-at-falls-park-in-sioux-falls
                  [post_title] => Wrongful Drowning Deaths Due to Foam at Falls Park in Sioux Falls
                  [post_author] => 3
                  [post_date] => 2018-08-01 18:02:42
                  [year] => 2018
                  [month] => 8
                  [post_type] => post
              )
      
          [96] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1113
                  [post_name] => wrongful-death-in-minnesota
                  [post_title] => Wrongful Death in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-07-25 17:33:39
                  [year] => 2018
                  [month] => 7
                  [post_type] => post
              )
      
          [97] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1099
                  [post_name] => slip-and-fall-in-minnesota
                  [post_title] => Slip and Fall in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-07-11 16:57:08
                  [year] => 2018
                  [month] => 7
                  [post_type] => post
              )
      
          [98] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1096
                  [post_name] => fathers-day-traffic-collisions
                  [post_title] => Father’s Day Traffic Collisions
                  [post_author] => 3
                  [post_date] => 2018-06-22 13:56:25
                  [year] => 2018
                  [month] => 6
                  [post_type] => post
              )
      
          [99] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1072
                  [post_name] => personal-injury-101-basics-pi-lawsuits-minnesota
                  [post_title] => Personal Injury 101: Basics of Personal Injury Lawsuits in Minnesota
                  [post_author] => 3
                  [post_date] => 2018-04-18 12:37:56
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [100] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1070
                  [post_name] => common-vehicular-injuries
                  [post_title] => Common Vehicular Injuries
                  [post_author] => 3
                  [post_date] => 2018-04-11 12:08:57
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [101] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1065
                  [post_name] => lawyer-specialty-certification-makes-difference
                  [post_title] => Why Lawyer Specialty Certification Makes a Difference
                  [post_author] => 3
                  [post_date] => 2018-04-04 14:37:26
                  [year] => 2018
                  [month] => 4
                  [post_type] => post
              )
      
          [102] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1031
                  [post_name] => safest-car-models
                  [post_title] => Safest Car Models
                  [post_author] => 3
                  [post_date] => 2017-12-20 14:48:09
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [103] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1028
                  [post_name] => 1028-2
                  [post_title] => When No-Fault Coverage is Applicable
                  [post_author] => 3
                  [post_date] => 2017-12-13 16:27:39
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [104] => stdClass Object
              (
                  [slug] => car-accident
                  [ID] => 1025
                  [post_name] => winter-essentials-car
                  [post_title] => Winter Essentials For Your Car
                  [post_author] => 3
                  [post_date] => 2017-12-06 16:43:58
                  [year] => 2017
                  [month] => 12
                  [post_type] => post
              )
      
          [105] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1020
                  [post_name] => medical-mix-happens-medical-malpractice
                  [post_title] => A Medical Mix-Up: What Happens With Medical Malpractice
                  [post_author] => 3
                  [post_date] => 2017-11-22 14:43:32
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
              )
      
          [106] => stdClass Object
              (
                  [slug] => injury
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                  [post_date] => 2017-11-20 16:01:04
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
              )
      
          [107] => stdClass Object
              (
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                  [ID] => 1008
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                  [post_author] => 3
                  [post_date] => 2017-11-08 20:44:34
                  [year] => 2017
                  [month] => 11
                  [post_type] => post
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          [108] => stdClass Object
              (
                  [slug] => uncategorized
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                  [post_title] => Have a Nice Trip, See You Next Fall!
                  [post_author] => 3
                  [post_date] => 2017-10-30 15:01:33
                  [year] => 2017
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                  [post_type] => post
              )
      
          [109] => stdClass Object
              (
                  [slug] => injury
                  [ID] => 1011
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                  [post_author] => 3
                  [post_date] => 2017-10-18 19:28:23
                  [year] => 2017
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                  [post_type] => post
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          [110] => stdClass Object
              (
                  [slug] => insurance
                  [ID] => 979
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              (
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                  [ID] => 970
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                  [post_date] => 2017-03-30 15:18:09
                  [year] => 2017
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                  [post_type] => post
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          [112] => stdClass Object
              (
                  [slug] => uncategorized
                  [ID] => 936
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                  [post_title] => Umbrella Insurance - Why Would I Buy Insurance For My Umbrella?
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                  [post_date] => 2017-02-15 15:48:05
                  [year] => 2017
                  [month] => 2
                  [post_type] => post
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              (
                  [slug] => uncategorized
                  [ID] => 798
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                  [year] => 2014
                  [month] => 10
                  [post_type] => post
              )
      
      )
      
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