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Tough-love Business Coach. Marketing Magician. Inner Imposter Buster. Cocktail Connoisseur. And Queen Of Unpopular Opinions.
Today, I’m pleased to report, that I picked my car up from the body shop, $5K worth of damage repaired. When the window shattered the glass went everywhere, including into my leather seat and door panel, necessitating replacement and even inside the seat belt locking mechanism which also had to be replaced.
While my credit card replacements have arrived, I’m still waiting on the checks from the insurance carrier. My passport replacement is in hand, my driver’s license still optimistically hoped for. (It not in hand by Monday, I’ll use the passport to get one in person. Kind of scary to think an international travel document is easier to obtain than a domestic driver’s license.)
HANDY TIP #1: Know your deductibles. I got hit with two deductibles, one for the damage to my car and a second one for the theft of items which fell under my homeowners policy. (Bet you didn’t realize that. Two policies, two deductibles, all out of pocket for me.)
HANDY TIP #2: Know the limitations in your policy per item. For example, on my insurance policy there is a limit of $200 for stolen cash. This was fine since I’d only carried $25 cash, but not great when they added in the gift cards that I carried, topping that $200. My jewelry limit is $1K, that won’t go far if you have an engagement ring, watch, or wedding band in your purse. (Hey, when we ladies go to the nail salon, we take our rings and watches off!)
Based on my recent experience (you can read about it here) with my car break in and purse theft, I’ve got some powerful points you don’t want to miss. These are simple and won’t take you more than 30 minutes to act on immediately. Please don’t wait, life will get in the way. Years ago I had all of this (well, almost) in place but as time went on, I never needed it, so failed to update. That blunder cost me days of time last week putting my identity and credit back together.
By the way, a fireproof safe can be portable (not sure that’s great as if you are ever broken into, the thief can walk out with the whole damn thing!) The important bit is that it is quick access and fireproof (which doesn’t mean moisture proof as I had one years ago and everything inside had mold on it. I’d kept it in my garage in Atlanta weather, no HVAC in there.)
If you prefer, you can keep the papers, copies and all in a file in your office or at home. I just believe in being extra careful. Life throws curve balls and you want to be ready to hit them out of the park instead of getting benched by them.