My insurance company sent 3 total payments that equaled the limits of liability, but my name was only on 2 of 3. For example, let’s say the limit of liability was $100,000
Check One $10,000 made out to Spouse A
Check Two – $30,000 made out to Spouse A & B
Check Three – $60,000 made out to Spouse A & B
So they paid the max of $100,000 to Spouse A, but Spouse B only got paid $90,000.
The insurance company did some quick pay PayPal thing that sent the first $10,000 to Spouse A’s own personal account, which I don’t have access to. They made sure to send paper checks made out to both of us from that point on, but I’m kind of annoyed I was shorted $10,000. I was told I just have to eat the loss since they paid the limit of liability and they suggested Spouse A move the money to our shared account. I thought it was rude they made such a suggestion about our finances given their mistake. It wasn’t even an advance we asked for or knew they were sending. I’m 100% sure if it were for dwelling coverage and the mortgage company got left off the check they wouldn’t tell the mortgage company to eat the loss. Should I push more aggressively for the $10,000?