My car was stolen from the parking lot of my workplace.I have no theft coverage on my car. Does that mean I have lost everything? Isn't the propert owners are supposed to be held liable as the car was stolen while it was on their property? Is it worth looking into it by a lawyer or an agent or something??
2007-01-04 14:37:41 · 15 answers · asked by S S 1 in Cars & Transportation ➔ Insurance & Registration
Nope, that will be your problem. If you cannot afford insurance, you probably shouldn't be owning a car at all.
What is it with American's?? you folks are always wanting to sue people when things go wrong. It is your car, your responsibility, you should have insured it rather than blaming everyone else.
Sorry to sound harsh, bummer about your car, but honestly. Next time get the damn insurance!
2007-01-04 14:47:04 · answer #1 · answered by darklydrawl 4 · 1⤊ 0⤋
Sorry hon, theft is usually covered under the "comprehension" section of your insurance policy. If you don't have "comp" on your policy, then you pretty much lost everything. Almost every public parking lot will have signs stating "not responsible for theft or damaged property on these premises..."
Having your car stolen really sucks. My Civic Si was stolen last month and wound up chopped up to the bones. I don't wish that on anyone. Instead of wasting your time and money getting a legal case together, just replace your car and chalk it up to experience. make sure you get full coverage next time on your policy!
Good luck!
2007-01-04 15:33:33 · answer #2 · answered by saintsantiago 3 · 1⤊ 0⤋
If you have no Insurance for theft YOU Have Lost everything that was in your Car and your Car.... Unless the police find it... And can return it to you.
If you Think You want to try to Sue Someone for where you Parked your car,,,, You will spend alot of money to find out your Out More money and still out your car. And if its your work place your most likely out of a Job also...
If you park your car ANYWHERE, only Theft Coverage for That Car will Cover that car for Theft.
If someone has Renters insurance, or Home Owners Insurance the car and or Truck in the garage NOT covered under and policy unless is a total Loss with the House or apartment Example Fire or Tornado...etc...
It all comes back to the insurance that you or someone purchased for that car and its coverage...
Small catch... If you park in a Paid to Park lot and they are fully Bonded and have insurance they have a set limit that is on your ticket stub coverage...
2007-01-04 14:52:29 · answer #3 · answered by Spinner...428 6 · 1⤊ 0⤋
Sorry, kiddo, but you lose. No insurance = no coverage = no money = yeah, you lost everything.
The property owner can only be held liable if your loss was due to their GROSS negligence. That would be almost impossible to prove in the case of a simple theft.
2007-01-04 15:42:47 · answer #4 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Yes, for now you've lost everything unless the vehicle is recovered. The owners of the property may be immune from losses like this, but you can insist on filing a claim with their insurance if you want to try.
2007-01-05 12:49:18 · answer #5 · answered by Chris 5 · 1⤊ 0⤋
Nope, you lost everything. Most garages and parking lots have a "Not responsible for theft, loss, ETC." posted on their walls. You could always try to prove they were negligent, but good luck to you. You may want to consult an attorney to see what the laws in your state are.
2007-01-04 14:48:21 · answer #6 · answered by zebj25 6 · 0⤊ 0⤋
By not having theft coverage YOU are responsible, WHy would your work be responsible, didn't YOU apply to work there? Or were you such a great worker that THEY ASKED YOU to work for them, that would make them somewhat liable...IF that were the case. Damn, now you are ready to sue, pay for that attorney, I guess it wouldn't have been cheaper to just pay the theft coverage on you ins. policy...
..sorry for your loss, but for God's sake, take some responsibility for your actions, err, inaction.
2007-01-04 17:05:15 · answer #7 · answered by Anonymous · 1⤊ 0⤋
If there was nothing in your employment contract about suing, you might have a shot, but I doubt it.
If you do sue, you may want to start looking for another job.
I had a truck stolen from my sister's back yard. She did not want to file it because it would raise her insurance premiums, so I was out a $12,000 truck.
2007-01-04 14:47:05 · answer #8 · answered by Say What? 5 · 0⤊ 0⤋
Ouch.
You just received a very expensive education in "coulda, shoulda, woulda." The only person who could be held accountable is the thief, but good luck finding him/her.
2007-01-04 14:51:19 · answer #9 · answered by Mary 3 · 2⤊ 1⤋
no,,there not liable for your car,,insurance is your responsibility ,and yours alone,,I'm sorry for your loss but it was up to you to see that it had enough coverage on it,,if it was worth stealing,,is was worth putting good insurance on,,i hope you find another one,,good luck hope this help,s
2007-01-04 14:54:40 · answer #10 · answered by dodge man 7 · 2⤊ 1⤋