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 Posted: Mon Oct 27, 2008 5:55 am Post subject: Mounted DVD Player stolen out of car |
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I just had my mounted DVD player ripped off the roof of my car. Should this be covered by auto insurance? I have full coverage.
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Jfey
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| Posted: Mon Oct 27, 2008 9:33 am Post subject: |
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yep...you are talking about the ones that come from the dealer (when you bought it) and it's permanently mounted in the car right? if you have comp coverage yes it's covered,
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Lori
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| Posted: Mon Oct 27, 2008 10:39 am Post subject: |
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If it's the one that has come with the car it might get coverage under the comprehensive coverage of the insurance, but if you have installed it after purchasing the car then you might not receive the coverage depending upon the policy verbiage.
You need to check with the policy document to see if you are covered for the aftermarket parts or not. some insurer may cover the modifications a s well.
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JeremyHolter
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| Posted: Mon Oct 27, 2008 4:48 pm Post subject: |
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| I'd say that most policies would provide coverage but there are probably quite a few that would not. You really need to refer to the policy and coverage for aftermarket equipment (if this is the case) and/or to see if there are any exclusions for this type of equiptment. |
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tcope
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| Posted: Mon Oct 27, 2008 7:41 pm Post subject: |
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most of the policys i deal with if they are installed when the vehicle is purchased then there isn't a limit...if they are a/m add ons, then the 1k limit kicks in unless of course that limit was increased thru endorcement
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Lori
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| Posted: Mon Oct 27, 2008 8:55 pm Post subject: |
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| So either way it could be covered? I imagine a lot of people buy these after market equipment....sometimes it is cheaper than having it come with the vehicle. |
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fireyone
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| Posted: Tue Oct 28, 2008 9:29 am Post subject: |
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sorry looks like I forgot to add, AND they are permanently attached to the vehicle..
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Lori
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| Posted: Tue Oct 28, 2008 11:18 pm Post subject: |
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| That would make sense. Then it would almost have to come with the vehicle because anything after market could be "easily" removed and not be considered permanent. If it was installed by the manufacturer I would imagine it would be alot harder to remove..if you could at all. |
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fireyone
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| Posted: Wed Oct 29, 2008 8:51 am Post subject: |
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no, you can have an a/m one permanetly attached...it just has to be screwed or bolted, attached in some manner to the vehicle.
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Lori
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| Posted: Wed Oct 29, 2008 2:45 pm Post subject: |
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Correct. It can be an aftermarket unit, installed by a local shop - providing it is permanently attached (replaced factory head unit, etc).
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LifeIsGood
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| Posted: Wed Oct 29, 2008 3:01 pm Post subject: |
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if it's even screwed to the floor it's covered, at both company's I've worked for...years ago an a/m stereo had to be in the factory 'hole' but no more.
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Lori
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| Posted: Wed Oct 29, 2008 6:07 pm Post subject: |
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I would call your agent or insurance company and find out if you had this type of coverage. However, I bet they will not cover this if you didn't have it included on your policy and I bet most likely you didn't if you haven't sent them any receipts of this purchase prior to it being stolen.
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justong
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| Posted: Wed Oct 29, 2008 9:14 pm Post subject: |
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All they need to have is comprehensive coverage.
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Lori
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| Posted: Wed Oct 29, 2008 11:48 pm Post subject: |
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| Just hope they can get it paid for. |
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fireyone
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