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 Posted: Tue Mar 03, 2009 7:17 pm Post subject: stolen sat nav and mobile phone and pda |
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today my work van was broken into and although the items were hidden they all got stolen, my sat nav and my personal mobile but the company pda was stolen too, can i claim these things back?
thanx
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zoolander 1
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| Posted: Tue Mar 03, 2009 7:27 pm Post subject: |
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Your carrier should cover their own property...doubt they will cover your personal property though, have you turned in the claim to them? (your employer?)
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Lori
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| Posted: Wed Mar 04, 2009 12:42 am Post subject: |
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| Your renters or homeowners insurance should address the property that you own (less your deductible). Your employer needs to address the theft of their property (through their own insurance). |
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tcope
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| Posted: Wed Mar 04, 2009 2:07 am Post subject: |
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| Did you file a police report? Usually if the company itself is going to cover the items they will want a police report. |
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fireyone
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| Posted: Wed Mar 04, 2009 4:10 am Post subject: |
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| This wouldn't be covered under the comprehensive portion? How can one get coverage for these small items with their auto policy? |
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CrazedEpidemic
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| Posted: Wed Mar 04, 2009 11:39 am Post subject: |
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| I have heard this before. I kind of think its a little wierd since it seems like a car insurance issue but I am betting it is covered under home owners as T said. |
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fireyone
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| Posted: Wed Mar 04, 2009 4:01 pm Post subject: |
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| Quote: | | This wouldn't be covered under the comprehensive portion? |
no (or very little) personal property coverage is ever covered under the comp coverage in fact most is excluded it (personal property)...
| Quote: | | How can one get coverage for these small items with their auto policy? |
there are some endorcements you can get for certain things...some times this is company dependent
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Mar 05, 2009 1:38 am Post subject: |
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| At least it would be covered one way or the other as long as the person had some type of homeowners. It would then boil down to how much the deductible was and whether it was worth the claim right? |
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fireyone
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| Posted: Thu Mar 05, 2009 11:47 am Post subject: |
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| Quote: | | At least it would be covered one way or the other as long as the person had some type of homeowners |
well maybe...in my state many things that one would expect to find in your car are specficially excluded in the HO contract if they are 'in or upon a land motor vehicle'...(ie cd's, radar detectors etc)....the are covered for theft other places just excludes if they are in or on the car.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Fri Mar 06, 2009 11:50 am Post subject: |
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| Then would this not leave thnose items uncovered? If the car insurance company would not cover them and homeowners refused then you would just have to swoll the loss? I guess then when I was not in my vehicle I would not keep these itmes with in veiw or maybe in my bag since the can be pretty expensive. |
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fireyone
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| Posted: Fri Mar 06, 2009 2:50 pm Post subject: |
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| Quote: | | Then would this not leave thnose items uncovered? |
yep sure would unless they are properly endorced... | Quote: | | If the car insurance company would not cover them and homeowners refused then you would just have to swoll the loss? |
yep unless the thief is caught and made to pay... | Quote: | | I guess then when I was not in my vehicle I would not keep these itmes with in veiw or maybe in my bag since the can be pretty expensive. |
exactly.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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