The guy I rear ended last week filed a claim. I got the email on Friday.
I spent over an hour on hold Friday evening trying to talk to someone about it, but eventually I gave up and hung up. 10 minutes later I missed a call from the claims department.
I was so frustrated.
And so mad at myself for making such a stupid mistake that is probably going to cost us a ton of money even though very little damage was done.
I’m still trying to forgive myself but I’m doing a horrible job of it. I got a hold of an insurance agent via email and she explained that if the cost of the repairs is under $1000, our premiums won’t go up. (I will obviously forgo adding our car’s repairs to the claim if that keeps our total under $1000, but if his repairs cost that much I might as well get our car fixed.) If our insurance pays out more than $1000, our premiums will go up $3000 over six years, so about $500 a year. It makes me so mad.
There are few things I beat myself up more about that making dumb mistakes that waste money. And as an ADHD adult who loses shit and forgets shit constantly, I do a fair amount of dumb shit that wastes money.
I STILL beat myself up about not starting my life insurance policy after I had my first kid, when I could have said that I hadn’t taken any medication in the past year, because I hadn’t! Instead I bought the policy three months after I started taking my ADHD meds again, which meant my policy would cost $25K more than it would have otherwise. I had no idea my ADHD meds would make my life insurance policy so much more expensive. I am so mad at myself for not figuring that out in time to make a more informed choice.
That happened 10 years ago and I’m STILL get fuming mad about it if I let myself.
So my question is, how do you forgive yourself when you do something dumb that costs you money? How do you learn the lesson and let it go? Because I can’t seem to manage it. A part of me feels like I should use this relatively minor monetary loss to help myself practice self-compassion and forgiveness under these circumstances. No one was hurt and the damage was as minimal as it could have been; it’s a perfect opportunity to practice learning the lesson (be more alert while driving) and let it go.
But I’m really struggling. I’m stewing in the fumes of the life insurance decision and iPhone I ran through the laundry and the iPad I left on the bus in Mexico and all the other dumb mistakes I’ve made that cost me money.
If anyone has any words of wisdom, I’d really love to hear them.
