It's no coincidence that this letter ended up in your hands. It was meant to find you. It was written for you specifically. It's not the act of a self righteous person searching for a way to feel better about themselves. You're not just a Christmas task that I took on to justify my selfishness from January to November.
When I was granted sole physical and legal custody of my daughter, the overwhelming response from most friends and family was, "Congratulations, Yay! You won! It's over," or some variation of that.
I worked in the insurance business for several years. First in customer service, then in sales, and finally as an insurance agent. The main thing that stood out to me was that the majority of people have no idea what auto insurance entails. They don't understand limits, coverage, or what all their options are. And how would the average person know without it being explained to them, which unfortunately doesn't happen nearly as much as it should. More & more insurance companies are stepping onto the scene without the option to sit down with your neighborhood agent. The main form of communication is a call center or an app, so it's becoming increasingly harder to come across agents who will take the time to make sure you understand the ins-and-outs of your policy. In turn this leaves people under insured and over exposed to all sorts of risks that they aren't even aware of. It is my hope to quickly and effectively teach you the basics of coverages, policy options, and even terminology as well as the pros and cons to 'liability only' coverage. I want to start by clearing up a common misconception. The term "full coverage" is very misleading and should not be used at all. What they mean by full coverage is that you opted to get more coverage above just liability. The correct term is collision and comprehensive. In all reality there is no such thing as full coverage. Every coverage has a limit. Also there are other options that are not always automatically included such as rental reimbursement, towing, and roadside assistance. I've taken countless calls from frustrated customers who just got in a wreck and thought they had full coverage.
I can still see it all so clearly yet it seems like a blur. How that contradiction is even possible is beyond me, but it is. I can attest to that.
As I watch the sun kissed popplers sway in the morning breeze at the campsite, I see families pack up their belongings to head back to their lives. For some, this weekend was an annual vacation. For others, it may have been the last time they'll be together as a family before they tell the kids about the divorce tomorrow. For the couple in the cabin, it may be a last hurrah to see if they still have any remnants of a flame to spark the fire back to life in their relationship. For the family in the green tent this may be their last trip with Grandpa before he's no longer able to get around on his own. For the family in the tan camper, it may be a celebration of Sammy's graduation and their Mom just wanted all the kids together one more time before he leaves for college. And maybe Sarah's in the blue trailer and her husband works on the road so she left the kids with Grandma so she and Dan could have some one-on-one time. Because of life's crazy schedule they haven't been able to find any alone time in awhile and they aren't sure what's left of their marriage.
My husband is a real life superhero. I don't just say that because he works hard and he's a good dad, I say it for many other reasons too.