" Nancy picked up Kyle and I picked up Selena. Nina walked upstairs to meet us with the apartment door open. "Thanks again Claire, see you soon." I sa...d as I left. "Yep, have a good night!" she said with a smile on her face.Nancy and I walked up the three flights of stairs with our children in our arms. "Hun, do you think we should have told Ashley earlier than now?" Nancy asked me. "I don't know Nancy, I just don't know." I admitted. We reached our apartment and Nina was standing there with. “Okay,” I said, pointing out the driver’s record point. “This one for speeding, right?”“Yes.”“How did you find out this was a second point?”“The insured told me. He was calling to see if it was going to affect his rates.”I dropped my empty coffee cup in his trash can and got a closer look.“That’s the only way we’ll know. If they tell us themselves,” I said. “The second will always show as a first, as if the first had never happened. Even if the insureds tell us they had a first we won’t charge. More

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