Car insurance error in my favor?
February 5, 2014 7:45 AM Subscribe
Giant National Car Insurance Company and I disagree about whether or not I have paid my insurance bill for this half-year. They say I have. I say I haven't. Should I just give up and keep the money? Moral Quandry inside.
On December 27th of 2013, I used an online form to play Car Insurance Company in full for half a years' worth of car insurance (let's say it's $500). Soon, I received an email confirmation that the payment had gone through. I waited for the funds to disappear out of my checking account, but it did not happen.
I went to my credit union to see what was up. They said that not only had the amount not been taken out of my account, there had been no attempt from the Car Insurance Company to take any funds out of that account. I was told to call the Car Insurance Company.
I contacted Car Insurance Company via email and then via phone to see what was going on. Car Insurance Company's representative said that, when I used the online form, two of the numbers in my account were transposed. She said that the attempt to take the funds out would eventually fail, and it would be returned as a non-payment. They would put a note on my account that, when that happened, I would not be charged a $20 for a returned/late payment.
Since I had the representative on the phone, I asked if I could set up the funds transfer right then to make sure that my insurance remained active. We did so over the phone. A few days later, I saw that $500 had been transferred out of my account, to the Car Insurance Company.
Awesome. I'm paid up, life is good.
Yesterday, I logged into my online account at the Credit Union to find that I had been refunded $500 from the Car Insurance Company. I checked my Car Insurance account online, and it says that I am paid up and all is well.
1. I say that I paid my car insurance once. First time was a mistake, second time worked.
2. Car Insurance Company says I paid car insurance twice, they refunded me for one of the payments.
3. Credit union says I paid car insurance once.
I tried to contact the Car Insurance Company again to...uh, give them their money back...when I thought, "Do I have to do this?" How hard should I try to give them their money back? If they think I'm solid and the credit union thinks I'm solid and I'm the only one that knows that there's mischief afoot...can I just shut up and keep my head down? I feel like I've jumped through plenty of hoops trying to be honest. Is it time to just do a little "we're in the money" dance and buy mama some new shoes?
Complication: I have a very loud, annoying conscience. If your response is "Keep the money", could you give me some reassurance that the Insurance Company/Credit Union won't come back to bite me?