Getting Dropped

Watching our car go up in smoke

I read through the letter in my hand. Disbelief was first. Then came anger. And, finally, resignation. After all, what could we do?  What I was looking at was a letter from the auto insurance company we had been with for over 20 years. I held a letter stating that they were dropping our family due to two cars being totaled within two years. Really? These were the first big accidents that had occurred in our family in all of those years. Apparently that doesn’t matter in the auto insurance world.

And, suddenly, we were on the hunt for a new auto insurance company, which wasn’t going to be easy given that we were just “dropped” by our former company. I called a couple of different agents and they started running the numbers. It wasn’t looking great. Finally, I got a call with a pretty decent number. The estimate was e-mailed and as I went over it my eyes slid to the words “6 month policy”. Oh, great. No wonder the number was decent – it was only for 6 months. So that meant the quoted number was multiplied times two for what looked like a pretty outrageous yearly rate.

Frustration set in. It just didn’t seem fair. In fact, when the agent called me about setting up the policy I started complaining about  how unfair life is in the insurance world. She kindly said she understood and the conversation continued on like that for a moment.

And then, all of a sudden, I stopped. It dawned on me that we are all still alive after two serious accidents. It really was amazing that we walked away without injuries or even death. And then I thought of something else to be thankful for: we can afford to pay the new policy. Oh, we don’t like it and it is annoying…but we can afford it. I was ashamed. I was complaining when I should have been thanking the Lord, once again, for sparing my family in not one, but two, accidents. I should have been thanking the Lord that we were not making a choice between driving and eating.

Oftentimes the irritations we face in life are such small trials in the scope of life. They are inconvenient and annoying. We view them as major trials because they take us out of our comfort zones and force us to go a different direction than we wanted to go. Meanwhile, all around us, are people who are going through what I would call real trials – a loved one with cancer, a birth defect that changes everything, or the loss of a job and questions about survival, just to name a few.

James 1:2 tells us to count it all joy when you fall into various trials. We all face various trials – some are very small and some are very large. But through it all, it is very important to keep perspective and a thankful heart. Many of the small trials grow very dim in the light of the many blessings we have.

And so our family is paying an exorbitant amount for auto insurance this year. But we are all alive and it won’t keep us from eating so I am thankful!

2 thoughts on “Getting Dropped”

  1. Wow, Leslie! We just went through the same thing. Only difference was…we got dropped because of two minor accidents, and I mean minor. But I came to the same realization as you. I was thankful that the accidents were so very minor. And God blessed us by leading us to cheaper insurance. The funny part was we told the family member that had the two accidents that they had to pay the increase difference in our insurance. When it came back cheaper they thought they should receive that difference in their pocket! :) But God AGAIN shows His goodness and love!

    1. Yes, we had the same conversation here about who should pay that difference in premium ;) God is good and it is amazing how quickly we forget it in the light of the minor stuff in life, isn’t it?? Thanks for commenting.

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