Consequences...

Having to deal with some consequences of an insured already this morning. From time to time insurance companies run what are called in the industry UDI reports - Undisclosed Driver Information. We as agents can do the same thing, the reports are generated from the Secretary of State's database of registered vehicles and drivers in the state of Michigan.

I can type in an address and it will give me all of the vehicles and drivers listed at that particular address. This is helpful when people can't give me their spouse's drivers license or don't have access to their vehicle's VIN (for quoting purposes).

Anyway, one of our insurance companies has been running UDIs for the past week and coming up with drivers not rated on auto policies. It's up to us as agents to contact the insured to find out if the person is a member of the household and has coverage elsewhere. It's up to the insured to provide the information as far as other residency or other coverage. Most of these cases have been children that have gotten licenses but the parents "forgot" to call the agency to add them to the policy. This happens often when insureds are trying to save a buck.

One particular UDI I got today was a WOW moment. Can't give details, but parents will not be happy with the insurance premium if they cannot prove other residency or coverage elsewhere. It's THAT bad...

Consequences for our actions. My wife and I are constantly trying to instill this in our son. Don't clean your room = no Xbox 360 for a week. Spend all your money at the dollar store = no money for garage sales on Saturday. I myself am still learning the concept of consequences, don't exercise & overeat your daily calories = weight gain. Wait until the last minute to mow the lawn = a super-heavy overfilled yard waste dumpster. Listen to crap in the morning = poor attitude all day.

Sooner or later our actions will catch up to us with the consequences. Some may not be immediate, they may appear over time - but make no mistake, the consequences of our actions will come.

Like my wife and I ask Javan almost daily - "Are you going to make the right choice today?"


MattyV
www.iweighedmorethanjared.com