MY stereo was stolen out

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PostPosted: Mon Aug 03, 2009 1:26 pm   Post subject: MY stereo was stolen out  

MY stereo was stolen out of my car last weekend( I store it at my Cabin).

My friend hooked up a base woofer in the back and now I want to claim stolen. I have receipts for my stereo and He has no Receipts.... ! He want me to pay out of my pocket even though I offerred to put his speaker on my ins.I have no clue how much or even what kind of speaker he had... Do I have to pay him if he doesnt give me a copy of the receipt?

rhonda
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PostPosted: Fri Aug 07, 2009 8:34 pm   Post subject:   

I would have to ask myself, how could I be liable for the actions of others or to things beyond my control. There are bailment laws that imply a certain amount of liability if you agree to store and protect or hold things for people in exchange for chattel (money or payment). But if someone had a speaker installed for your use, I can hardly see any liability on your part if you used reasonable means to protect it (locked your car). Your policy most likely has limits for electronic thefts. If the speaker was bolted with one bolt or screw to secure it to the floor or a brace in the car, then it should be covered. It has to be attached by more than the wires that feed the electronics or it could be considered transportable and not a permanent fixture or assessory. I am not an insurance employee, I own a collision repair business. This information is typical of how these claims are treated in repairs or losses by insurers on vehicles that I may have contracted to repair with the vehicle owner.



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