I wrecked my car today. I have full coverage to cover it but I was wondering if it would cover my digital camera. It got knocked off the seat and doesn't work anymore. Its only a month old?
2006-09-18 14:16:09 · 14 answers · asked by AMANDA B 2 in Cars & Transportation ➔ Insurance & Registration
the best way to know what you are guaranteed coverage for is if you took a saw and cut off the top of your car, turned it upside down and shook it, anything that fell out wouldn't be covered. There are certain circumstances where there may be exceptions, but this is the rule.
2006-09-18 18:34:31 · answer #1 · answered by purplepinkanddots 3 · 0⤊ 0⤋
You need to check your policy. Some policies have coverage for personal effects damaged in an accident, with a limit. The limit could be anything (about $200 usually). If it's covered you will have to provide proof of the cost and mail the camera to the insurance company. Just call them and ask; they will tell you if there is coverage for it.
2006-09-18 19:16:52 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
No, it would not cover a digital camera. It would only cover things that a attached to the car in a permnament way. Check with your homeowners or renters insurance.
2006-09-19 18:06:06 · answer #3 · answered by PeppermintandPopcorn 3 · 0⤊ 0⤋
Unfortunately your policy will not cover personal items in the vehicle. For this you would have to call homeowners or renters insurance. Collision only covers items permanently attached as part of the vehicle.
2006-09-18 15:42:05 · answer #4 · answered by Pieandchips 3 · 0⤊ 0⤋
The camera would be covered under your home-owners policy (or renters policy).
It wasn't part of your car, and won't be covered in the repairs.
However, if the accident was the other drivers fault, HIS insurance should cover your losses. (Unless you live in a no-fault state)
2006-09-20 07:41:46 · answer #5 · answered by glenspot 3 · 0⤊ 0⤋
Most car insurance only cover installed items. Check your with your agent to be sure. If you have renters or homeowners insurance that sometimes will cover loss or damage to personal property involved in wreck.
Good Luck!
2006-09-18 14:27:09 · answer #6 · answered by Max B 3 · 0⤊ 0⤋
Depends on whether your auto policy covers personal propterty, even then it might be theft only. Check your renters or homeowners policy as well. Sometimes they cover off premises personal property. I would be surprised if damage is covered with anything, though.
2006-09-18 14:19:38 · answer #7 · answered by Joe D 6 · 0⤊ 0⤋
i'm going to ought to talk in generallities because of the quantity of training lacking and the varing coverage rules reckoning on the state you reside in. finished coverage is often the term human beings supply to vehicle rules that comprise finished (OTC) and collision coverage. in fact, the motor vehicle insured may well be repaired after paying a deductible. The term is deceptive although, and an incredible type of human beings beleive because of the fact the motor vehicle has "finished coverage" each thing is roofed. that may not constantly be the case... Many agencies furnish OTC & collision coverage to an insured motor vehicle in spite of the motive force different than for named excluded drivers. Unforunatley, many agencies additionally shrink the criminal duty coverage to state miniums which will grant in user-friendly terms a fragment of the protection your father could have offered (in simple terms placed, the quantity of money attainable to repair the different events motor vehicle and any injuries sustained to the motive force and/or any passengers). your ultimate determination may well be to have your father touch the agent and ask approximately this subject. You and your father could discover it much less complicated to function your self to the coverage no count if that's no longer coated or reduces criminal duty limits. i want to advise doing this earlier you're taking the motor vehicle out for yet another "spin". A broken automobile that your dads business enterprise refuses to repair can ruin your day or maybe week. in spite of if, no longer having the adaquate criminal duty limits to pay for any injuries sustained or assets broken can harm your wallet (or your dads) for years. stable luck!
2016-10-15 03:47:13 · answer #8 · answered by Anonymous · 0⤊ 0⤋
It may. There may be limitations on the value for personal property but it should cover at least up to that much.
2006-09-18 14:33:40 · answer #9 · answered by Bostonian In MO 7 · 0⤊ 0⤋
it may, since it was damaged in the wreck. Just tell your insurance adjuster, I'm sure things like that aren't unheard of. Breaking cell phones, glasses etc. during the accident.
2006-09-18 14:18:51 · answer #10 · answered by Mike C 4 · 0⤊ 0⤋