damges inside the car

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PostPosted: Wed May 12, 2010 6:36 pm   Post subject: damges inside the car  

hi my car was parked on the street and somone broke in to my window and stole my laptop in dash gps and spare tyre i have a full coverage on my car wiil my insrunce company pay for the damages

cha
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PostPosted: Wed May 12, 2010 6:49 pm   Post subject:   

Only for the damage to the vehicle and the missing tire. This might be under your deductible amount. The laptop and GPS are not part of the vehicle itself so they would obtain coverage from a property policy, such as a home owners or renters policy.

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PostPosted: Wed May 12, 2010 7:11 pm   Post subject: thank u  

the laptop and gps costs around 2200 dollers ny the way the gps was in dash

and could u please tell me how do i claime home owners or renters policy

cha
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PostPosted: Wed May 12, 2010 7:16 pm   Post subject:   

You call your insurance company and report the loss.

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PostPosted: Wed May 12, 2010 8:41 pm   Post subject:   

Yes, I do agree with these replies here.. I think its only the Car and the Car Tire are under insurance cover but not the Laptop and other things. Definitely i think your other policies would help you in this matter.

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PostPosted: Wed May 12, 2010 9:05 pm   Post subject:   

If the GPS was dash installed, then it could be included on your auto policy. However, this situation varies from company to company if the device is aftermarket and not OE.



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PostPosted: Wed May 12, 2010 11:48 pm   Post subject:   

Quote:
Only for the damage to the vehicle and the missing tire. This might be under your deductible amount. The laptop and GPS are not part of the vehicle itself so they would obtain coverage from a property policy, such as a home owners or renters policy.




If the auto and home were with the same carrier, would there only be one deductible for one occurence? My Allied policy waived the lesser of the two deductibles when I had a loss from a hail storm on both the house and the vehicle which was the result of the same occurence. Would a loss as a result of theft be treated any differently? Is this common with most carriers or just a perk the insurer I have a policy with?


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PostPosted: Thu May 13, 2010 3:05 am   Post subject:   

The policies almost always state a separate deductible for both occurrences. I have seen carriers only charge one deductible during cat losses.

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