In her "defense", from the female viewpoint (I mean the 'crazy alien female' perspective) maybe she was freaked out about the insurance, it felt like a real threat to her and the "babies," and all day she couldn't reach you, so it festered in her all day...and when she saw you, she totally lost it.
Shoot that's crazy even by my old MLC definition of the word!
And I second - wth is up with FIL? He's totally not concerned about the children??