Skip to content
By using Twitter’s services you agree to our Cookies Use. We and our partners operate globally and use cookies, including for analytics, personalisation, and ads.

This is the legacy version of twitter.com. We will be shutting it down on June 1, 2020. Please switch to a supported browser, or disable the extension which masks your browser. You can see a list of supported browsers in our Help Center.

  • Home Home Home, current page.
  • About

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @
  • Language: English
    • Bahasa Indonesia
    • Bahasa Melayu
    • Català
    • Čeština
    • Dansk
    • Deutsch
    • English UK
    • Español
    • Filipino
    • Français
    • Hrvatski
    • Italiano
    • Magyar
    • Nederlands
    • Norsk
    • Polski
    • Português
    • Română
    • Slovenčina
    • Suomi
    • Svenska
    • Tiếng Việt
    • Türkçe
    • Ελληνικά
    • Български език
    • Русский
    • Српски
    • Українська мова
    • עִבְרִית
    • العربية
    • فارسی
    • मराठी
    • हिन्दी
    • বাংলা
    • ગુજરાતી
    • தமிழ்
    • ಕನ್ನಡ
    • ภาษาไทย
    • 한국어
    • 日本語
    • 简体中文
    • 繁體中文
  • Have an account? Log in
    Have an account?
    · Forgot password?

    New to Twitter?
    Sign up
patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

Tweets

Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

Tweets

  • © 2020 Twitter
  • About
  • Help Center
  • Terms
  • Privacy policy
  • Imprint
  • Cookies
  • Ads info
Dismiss
Previous
Next

Go to a person's profile

Saved searches

  • Remove
  • In this conversation
    Verified accountProtected Tweets @
Suggested users
  • Verified accountProtected Tweets @
  • Verified accountProtected Tweets @

Promote this Tweet

Block

  • Tweet with a location

    You can add location information to your Tweets, such as your city or precise location, from the web and via third-party applications. You always have the option to delete your Tweet location history. Learn more

    Your lists

    Create a new list


    Under 100 characters, optional

    Privacy

    Copy link to Tweet

    Embed this Tweet

    Embed this Video

    Add this Tweet to your website by copying the code below. Learn more

    Add this video to your website by copying the code below. Learn more

    Hmm, there was a problem reaching the server.

    By embedding Twitter content in your website or app, you are agreeing to the Twitter Developer Agreement and Developer Policy.

    Preview

    Why you're seeing this ad

    Log in to Twitter

    · Forgot password?
    Don't have an account? Sign up »

    Sign up for Twitter

    Not on Twitter? Sign up, tune into the things you care about, and get updates as they happen.

    Sign up
    Have an account? Log in »

    Two-way (sending and receiving) short codes:

    Country Code For customers of
    United States 40404 (any)
    Canada 21212 (any)
    United Kingdom 86444 Vodafone, Orange, 3, O2
    Brazil 40404 Nextel, TIM
    Haiti 40404 Digicel, Voila
    Ireland 51210 Vodafone, O2
    India 53000 Bharti Airtel, Videocon, Reliance
    Indonesia 89887 AXIS, 3, Telkomsel, Indosat, XL Axiata
    Italy 4880804 Wind
    3424486444 Vodafone
    » See SMS short codes for other countries

    Confirmation

     

    Welcome home!

    This timeline is where you’ll spend most of your time, getting instant updates about what matters to you.

    Tweets not working for you?

    Hover over the profile pic and click the Following button to unfollow any account.

    Say a lot with a little

    When you see a Tweet you love, tap the heart — it lets the person who wrote it know you shared the love.

    Spread the word

    The fastest way to share someone else’s Tweet with your followers is with a Retweet. Tap the icon to send it instantly.

    Join the conversation

    Add your thoughts about any Tweet with a Reply. Find a topic you’re passionate about, and jump right in.

    Learn the latest

    Get instant insight into what people are talking about now.

    Get more of what you love

    Follow more accounts to get instant updates about topics you care about.

    Find what's happening

    See the latest conversations about any topic instantly.

    Never miss a Moment

    Catch up instantly on the best stories happening as they unfold.

    Patrick McKenzie‏ @patio11 1 Feb 2019
    • Report Tweet
    • Report NetzDG Violation

    Frustrating cultural quirks of engineers: believing that insurance companies routinely capriciously deny claims for low-risk high-hazard policies like homeowner’s insurance. “They’ll never pay!” Their regulator has them report a loss ratio annually. It’s 80%+ of premiums.

    11:43 PM - 1 Feb 2019
    • 7 Retweets
    • 47 Likes
    • Atharva Vaidya Plague Misha Kev Z Bill Stewart Jonathan Yu Matt "MSG superfan" Olson Uncarved Bitmap Joe The Rigolo 🇺🇸Elliot Temple🤔
    8 replies 7 retweets 47 likes
      1. Patrick McKenzie‏ @patio11 1 Feb 2019
        • Report Tweet
        • Report NetzDG Violation

        “Descriptions of the world are often amenable to analysis via math and some of these descriptions are factually inaccurate” not generally a controversial belief for engineers but throw in a poorly mood-affiliated subject and suddenly numbers are just another narrative among many.

        1 reply 4 retweets 44 likes
        Show this thread
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. Adam Saleh‏ @salehczk 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        On the other hand, friend worked at insurance company, that had policy "first deny claim, actually look only after client disputes the denial" , and it makes sense as a policy, if regulations allow it, but if you don't know this, you see insurer as capricious.

        0 replies 1 retweet 5 likes
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. Gordon Shephard‏ @ghshephard 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        I’ve always believed that the principle objective of any insurance company was to develop practices and methodologies to deny claims if there was any possible way to interpret the language of the policy such that they could.

        0 replies 0 retweets 5 likes
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. This Tweet is unavailable.
      2. This Tweet is unavailable.
      3. 3 more replies
      1. Paul Bort‏ @catzoup 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        We recently had some plumbing work done that involved removing and replacing cement. The plumber said not to bother with a claim because they never pay. They paid before the cement was done curing.

        0 replies 0 retweets 2 likes
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. Adam Ahmed‏ @hitsthings 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        Thanks for "loss ratio". TIL. Wish it were a more easily Google-able stat here in Australia, but I'll take it.

        0 replies 0 retweets 1 like
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. Aλex‏ @alexkyllo 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        They'll pay the claim but if your loss ratio is too high they will just drop you right afterward

        0 replies 0 retweets 1 like
        Thanks. Twitter will use this to make your timeline better. Undo
        Undo
      1. New conversation
      2. Josh Marantz‏ @JoshMarantz 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @patio11

        Consumers have zero leverage on insurance companies in the case of bad service. If they do refuse to pay, or if they make you fight them on the phone for hours to get it... What are you gonna do? Find another one? Why would they care, they've already got your money

        1 reply 0 retweets 0 likes
      3. Noah Gibbs‏ @codefolio 2 Feb 2019
        • Report Tweet
        • Report NetzDG Violation
        Replying to @JoshMarantz @patio11

        That's the primary real advantage of the US system of through-your-job health insurance. Your *employer* can switch companies, and will if the employees can't get care. It's (very roughly) collective bargaining, with power roughly proportional to the size of the company.

        0 replies 0 retweets 1 like
      4. End of conversation

    Loading seems to be taking a while.

    Twitter may be over capacity or experiencing a momentary hiccup. Try again or visit Twitter Status for more information.

      Promoted Tweet

      false

      • © 2020 Twitter
      • About
      • Help Center
      • Terms
      • Privacy policy
      • Imprint
      • Cookies
      • Ads info