Insurance settlement takes a long detour
DEAR AMY >> My international travel was interrupted by a pandemic-related issue when
I was returning home from Europe, so I applied for reimbursement from the travel insurance for a claim worth almost $10,000.
(I was on the trip with my long-term “travel buddy,” who didn't have a problem traveling home.)
I was told I would receive a reimbursement. My travel buddy was well aware of these details.
I was waiting on the check, which seemed extremely delayed.
My travel buddy and I met for our monthly lunch date.
At lunch, she asked me if I had ever received the insurance payment and when I said no, she produced an envelope from the insurance company addressed to me, but sent to her mailing address because of a clerical error.
She jokingly said that she was trying to figure out how she could cash the enclosed check, which was for almost $10,000!
I replied it is against the law to cash a check that is in someone else's name.
I put the check in my bag, and we started talking about a different topic.
Now I'm wondering if I should have asked for a better explanation about why she didn't inform me that she had the check a month ago when she first received it.
My friend grew up in India and came to the U.S. 40 years ago in an arranged marriage.
She and her husband are retired after long careers. I know that her husband has been very controlling regarding money, and that she sends money home to relatives. She sometimes tells me she is still baffled by American customs.
I'm rather disappointed by how she handled this, but should I ask for an explanation, or just be happy that she gave me my check?
DEAR TRAVEL INSURED >>
Yes, you should be happy that you received your check, and yes — you should discuss this one more time with your friend.
You should explain to her that the delay in receiving the check created a lot of worry for you. In the weeks that she had your check in her possession, you also lost the opportunity to deposit and use that substantial sum for your own needs.
You should also ask her how things are for her at home. Does she have money worries? Her husband's tight control over her finances might make her eager to have her own independent funds. Is there a way for her to do that?
Having complete control over money can be a form of entrapment. Your friend travels with you (away from her husband and home), but does she feel stuck in other ways?