2007-05-18 05:31:50 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Huggybearbaby,
I'm sorry for your loss. I know how invasive it feels to have something stolen within your own home. Unfortunately renters' policies specifically exclude coverages for any vehicles. The intent behind this is that auto insurance is available to cover this type of loss. If you do have auto insurance on the moped, and if you have comprehensive coverage, the theft loss would be covered.
2007-05-18 05:57:23 · answer #1 · answered by Brad D 2 · 2⤊ 0⤋
Thats a damn good question. What does it say?
1) If you have vehicle insurance, that is the place to start if you have coverage for theft. If not;
2) Contact your home insurance agent and discuss the matter. Ask if a bicycle would be covered if it was stolen. If the answer is no then you are likely scr*wed. But if it would be covered, then you will need to stress the fact that it is more of a bicycle then a motorcycle. In the long run, the way the DMV in your state defines a moped may be the deciding factor.
3) Whichever way it goes, if you replace it you will need to re-think your insurance needs based on what happens here.
Good luck.....
.
2007-05-18 08:29:13 · answer #2 · answered by ca_surveyor 7 · 0⤊ 2⤋
Home and tenant insurance policies don't cover vehicles that are subject to registration as road vehicles. If you have insurance on the mo-ped, you claim on it. If you don't have insurance on the mo-ped, it is just plain gone. If your sofa was stolen from your driveway, your auto insurance wouldn't pay for it, by the way, and this is the same idea. It isn't just the place something was stolen from it is the type of item as well.
2007-05-18 14:48:04 · answer #3 · answered by Fred C 7 · 0⤊ 0⤋
Did you have insurance on the moped? If so, that would be the place to start. If not, I have no idea if the rental insurance would pay for it or not, I would tend to doubt it though, since it isn't your normal furnishing. Call them and ask.
2007-05-18 05:37:17 · answer #4 · answered by oklatom 7 · 0⤊ 1⤋
No it will not be covered by your rental insurance. Motorized vehicles SUBJECT to motor vehicle registration are specifically excluded on the policy. So, even it is NOT currently registered, there would not be any coverage for it on your rental insurance. If you wanted it to be covered for theft, you would have had to have a motorcycle policy on it, including comprehensive coverage.
2007-05-18 08:02:16 · answer #5 · answered by Sue 6 · 2⤊ 0⤋
Nope. You will have to claim it under your comprehensive coverage on the Moped -- (if you have it--). It is no different if a car were stolen from your garage.
2007-05-18 11:14:49 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Your homeowner's/renter's policy? It may cover it, since it is personal property, unless you had insurance on the moped (like auto). You may need to review your homeowner's policy to determine if motorized vehicles, like a moped, are excluded - you can always call your agent to confirm as well.
2007-05-18 05:38:36 · answer #7 · answered by S17V 4 · 0⤊ 2⤋
The only way to know for sure is ask but its extremely unlikely since its not a "household" item.
Insurance companies protect themselves from claim such as this
2007-05-18 05:41:26 · answer #8 · answered by Poor one 6 · 0⤊ 1⤋