by Guest » Thu Aug 28, 2008 04:08 pm
Hey
car was broken into (smashed window) and stole work computer. Whose responsible?
A. car insurance
B. work has to replace
C. I need to get another job and buy it again myself
Help!!!!
car was broken into (smashed window) and stole work computer. Whose responsible?
A. car insurance
B. work has to replace
C. I need to get another job and buy it again myself
Help!!!!
Posted: Thu Sep 25, 2008 01:48 pm Post Subject:
No, your auto (or homeowner's insurance won't cover the theft).
Huh? Why would a person's HO policy not cover the theft of personal property from a vehicle?Posted: Thu Sep 25, 2008 01:59 pm Post Subject:
After thinking about this, I have decided to edit this post to the following:
Where I would never...absolutely never...encourage or suggest insurance fraud, this person (and any other individual) should just say, "My laptop was stolen from my car." Do not elaborate and say it actually belongs to someone else, work, etc.
Repeat after me, "My laptop was stolen from my car."
Posted: Thu Sep 25, 2008 04:06 pm Post Subject:
If our guest owned the laptop the HO policy would cover it - unless business items are excluded.
IF the laptop was company owned then the company would be responsible.
But the OP is probably in hot water - never leave valuables in your car!
Posted: Thu Sep 25, 2008 07:22 pm Post Subject:
Huh? Why would a person's HO policy not cover the theft of personal property from a vehicle?
Todd I don't know if this is a state issue or not...but many HO policys exclude theft of personal property ''while in or upon a land motor vehicle''...further we know that many also exclude ''business property''...it's possible i suppose that you might be able to cock your head just right, and maybe just maybe look at the ''property of others'' but i think that too has business property excluded as well...i'll have to pull my policy out here in a little bit and see what i see in the MO policy..Posted: Thu Sep 25, 2008 07:41 pm Post Subject:
(Why can't I "quote"?)
Interesting. All I know is that our HO policy will cover certain personal belongings stolen from an owned auto.
Part of the terminology is: parts, equipment or accessories attached to or located upon any land vehicle.
So, a GPS is not covered. In-Car TVs are not covered. I have seen cases where CDs/DVDs were not covered because they were played in the vehicle.
A briefcase would be covered. Bag with sporting equipment would be covered. A laptop (personal) would be covered.
Posted: Thu Sep 25, 2008 08:30 pm Post Subject:
(Why can't I "quote"?)
cuz' ya' haven't figured it out yet... :wink: copy and paste what you want to quote then highlight it then click on the 'cartoon balloon', just above this box (the box you are typing in) to the right of the ''#'' sign.Posted: Fri Sep 26, 2008 12:30 am Post Subject:
cuz' ya' haven't figured it out yet... Wink copy and paste what you want to quote then highlight it then click on the 'cartoon balloon', just above this box (the box you are typing in) to the right of the ''#'' sign.
...cuz ya haven't figured it out yet..ha ha ha...
(psst...there isn't a cartoon balloon or a # sign)
Ohhh..wait....I can't use "quick reply" - I have to use Post Reply.
Ahem..someone forget that minor little detail...
:lol:
Thanks Lori!!!!!!
Posted: Fri Sep 26, 2008 09:14 am Post Subject:
I use quick reply every time...hmmmmmm ...anyway glad you got it now... :wink:
Posted: Fri Sep 26, 2008 01:25 pm Post Subject:
Really? I dont have any option on my Quick Reply screen other than entering the text and hitting the box. No smilies, no fonts, etc.
Posted: Sat Sep 27, 2008 11:42 am Post Subject:
not sure why...you see a blank box right where you can add a post? right above and next to that are all the options...AFTER you type everything...THEN just below the box see the 'quick reply' button? (type everything then click button don't click quick reply first)
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