Insurance Nightmare

Ok, today was a totally mess. I contemplated not even doing a post because I would much rather call it a day and pop open a bottle of wine to relax. But then I realized what I went through today is something worth talking about because not enough people pay close attention to what is going on in their finances and bills.

To make a long and horribly frustrating story short, Josh and I had a terrible experience with our IL insurance agent.

Ok, that may be too vague… Here is the short version of the saga that has (hopefully) concluded today. When Josh and I got married we took out life insurance policies, a new auto policy for our car, and jewelry insurance. One may think, that’s easy, just take out the policies and make your payments and things will be great. You would be wrong. Our life insurance policies cancelled and reinstated multiple times causing us to be constantly fixing the problem, until we got fed up in March and switched life insurance providers. Then we moved to WI and had to transfer our auto policy. That should have been finalized in May, it is now August 1^st and we are still getting bills for the IL policy. In my quest to get that policy officially cancelled we learned my car has a policy in IL and WI. And we learned that our life insurance policies were never cancelled correctly so we never got our reimbursements.

3 hours, 5 emails, and 10 phone calls later, we MAY finally have it in the works of being sorted out.

So I tell you this story (sparing so many frustrating details) to encourage you to be on top of your finances, insurances, and bills. Don’t just toss letters for things you have on auto-pay or ignore your monthly bank statements. You work hard for your money and should be conscious of where it is going at all times. And anyone that you hire to do a service (insurance, auto care, housekeeping, ANYTHING), should be willing to work with you and solve problems. But always make sure you get confirmation of things being accomplished and SAVE receipts, emails, letters, any correspondence as proof so that you can fight charges you don’t deserve.

Don’t be lazy about your money or allow yourself to be taken advantage of.