The other day someone broke into a family members car while we were eating at a restaurant. My purse, with my cell phone, and a $700 ring were in it(I had come from work and put the ring in my bag because I work with kids and the ring would get so dirty, I forgot to put it back on). The purse was hidden underneath the seat so its not like I was asking for this. Basically, with the insurance the family member has, she has to pay a $1000 deductible first-which she made clear since it wasnt her stuff (they took a few non-expensive things from her) she was not going to pay it, therefore I was screwed over. She said my only hope would be to get my bf to contact the credit card company of the card he used to buy my ring. What is that supposed to mean? If the credit card company would reinburse it wouldnt everyone do that, like make up stuff? Please try and help me understand this...I am so hurt over the loss of this ring :(
2006-10-21 10:41:04 · 8 answers · asked by Ash_082 2 in Cars & Transportation ➔ Insurance & Registration
The deductible has nothing to do with this. If the car was broken into, the damage done due to the break in is covered under comprehensive coverage. However, almost every single insurance policy out there specifically says that theft of personal items is not covered. So regardless of the deductible, the insurance will not pay for that. If a permanently installed item like a stereo were stolen, that would be covered. I know, it sucks, but that's why people shouldn't leave items like that in cars. It's safer with you.
And since your family member was not negligent (didn't make the choice to leave the purse in there, and did not have anything to do with the break-in) she is not responsible for it either, and would not be seen as responsible if you sued her.
The credit card angle is a good one. Sometimes items such as that can be claimed and recovered if purchased with certain cards. They'll want the police report and other information about the circumstances. If you have homeowners or renters insurance you can check with them to see if the theft might be covered.
And by the way- it's deductIBLE, not "able" everyone!
2006-10-21 14:52:38 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
I don't believe auto insurance companies cover theft of personal property in the car anyway. My only thought is that if you own a home and have homeowners insurance, there is an endosement called Off Premises Theft that covers theft of your personal property outside of your home. There are limits of what the compnay will pay out on jewelry and money (usually $1,000-$2000). So, if you have a low deductible, you may want to consider making a claim on your policy. If not, you're going to have to take the loss.
2006-10-21 14:48:56 · answer #2 · answered by trueruby09 2 · 0⤊ 0⤋
You don't get anything from an auto policy regardless of deductable for personal property. You have to pay for a personal property rider for contents in the car that don't have bearing on the physical structure of the car. Just like glass or personal property above a very low number, home insurance plays the same game. As you were admonished by previous replies, don't leave stuff in your car!
2006-10-21 10:55:10 · answer #3 · answered by prusa1237 7 · 0⤊ 0⤋
You're hurt and looking for someone to blame other than yourself.
No one will reimburse you. Accept the loss and remember to never leave valuables in a car. Hiding something under the seat isn't exactly CIA stuff. People will steal CD's and anything they know they can resell so anything visable is bait. Once in, the first place they would look would be under the seat.
2006-10-21 10:44:59 · answer #4 · answered by misskate12001 6 · 0⤊ 0⤋
theft of personal property is not covered under a vehicle policy
no matter what the deductible, you should see about filing a claim under your homeowners policy for this loss
2006-10-22 00:40:03 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If you have "Homeowners Insurance" you can try
there. Some will pay up to 10% for off premise loss.
2006-10-21 10:59:13 · answer #6 · answered by Answers 5 · 1⤊ 0⤋
1...this sux
2...this should teach you to have lower than a $1000 deductable
3... holy crap who has a $1000 deductable!??!?! ur family member must be a horible driver if her insurance is so high she has an outragous deductable
4... You are SOL.
2006-10-21 10:49:54 · answer #7 · answered by frediks10 3 · 0⤊ 1⤋
check local pawn shops for stolen items, see who pawned them,stop by their house to say hi,..... then stick the barrell to their forehead, watch them re-emberse without delay. well, if only .......lol....sry hope you get some resolve. your not alone . but know that what comes around goes around
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2006-10-21 12:17:45 · answer #8 · answered by Anonymous · 0⤊ 1⤋