re: I need some advice concerning a billing I believe to be improper...

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1) You have statements from your insurance company showing zero balance due for the two months they now say you didn't pay?

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Yes.

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2) And you have a credit card statement showing the insurance company charged a payment(s) against your CC?

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Yes, but not for the months they claim weren't paid. The charge on my card is in May for May coverage and they are claiming March and April weren't paid even though I have statements showing $0 balances for those months. It doesn't make sense to me.

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3) You have no way of getting a statement of your wife's old bank account from her bank but you know they didn't charge that account anyway so that is not relevant?

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There should have been no reason for them to charge her old bank account. The account was closed before the period of time in question. I'll try to get a statement from them.

**edited to change "during" to "before" in the last paragraph