scum of the earth

Discussion in 'Off Topic Chat' started by foned, Nov 8, 2009.

  1. foned

    foned TPF Noob!

    Joined:
    Aug 3, 2004
    Messages:
    226
    Likes Received:
    0
    Location:
    Sacramento, CA
    Can others edit my Photos:
    Photos OK to edit
    some total low life broke into my car and stole my camera sometime over the weekend.. im really pissed right now.
     
  2. DennyCrane

    DennyCrane No longer a newbie, moving up!

    Joined:
    Sep 11, 2009
    Messages:
    1,375
    Likes Received:
    34
    Location:
    The arctic North Coast
    Can others edit my Photos:
    Photos OK to edit
    Sorry to hear that, man... that sucks. Hope you're covered.
     
  3. CCarsonPhoto

    CCarsonPhoto TPF Noob!

    Joined:
    Oct 27, 2009
    Messages:
    226
    Likes Received:
    0
    Location:
    SC
    Can others edit my Photos:
    Photos OK to edit
    I hear about this happening all the time. Why do people leave their gear in their cars???
     
  4. foned

    foned TPF Noob!

    Joined:
    Aug 3, 2004
    Messages:
    226
    Likes Received:
    0
    Location:
    Sacramento, CA
    Can others edit my Photos:
    Photos OK to edit
    admittedly its a bad idea to store my camera in my car, however, i do live in a decent neighborhood, my camera isnt worth *that* much (~$400) my car has an alarm and working locks and windows, anyway, i just ended up leaving my camera in my car in case i ever needed it while i was away from home, and im usually really good about locking it and setting the alarm every time i get out, however at some point i forgot to do that and here i am.
     
  5. itznfb

    itznfb TPF Noob!

    Joined:
    May 21, 2008
    Messages:
    1,167
    Likes Received:
    0
    Location:
    Pittsburgh, PA
    Can others edit my Photos:
    Photos NOT OK to edit
    It should be covered under either your car insurance or home owners insurance. Well... I guess unless you have like a $500 deductible or something I guess that wouldn't help you...

    If I leave my gear in the car it's always in the trunk and in a plain black bag.
     
  6. jeffgdp

    jeffgdp TPF Noob!

    Joined:
    Dec 7, 2009
    Messages:
    7
    Likes Received:
    0
    Unfortunately it is not possible anymore to leave such things in the car. Some friends of mine also happened the same. I am of the opinion that this is really annoying, that you cannot leave something in the car. In this case does the insurance cover the damage? I am not quite sure but I think that a US car insurance would no cover the full damage. Would be interesting to know how this works in the UK.
     
  7. Sachphotography

    Sachphotography TPF Noob!

    Joined:
    Jun 17, 2009
    Messages:
    1,229
    Likes Received:
    1
    Location:
    Tulsa, OK
    Can others edit my Photos:
    Photos NOT OK to edit
    Car Insurance wont do anything for something not bolte down. Wont be covered.
    The only thing that would cover it would be either home owners insurance or Renters Insurance. SOrry to hear man.......
     
  8. PhotoXopher

    PhotoXopher TPF Noob!

    Joined:
    May 27, 2009
    Messages:
    3,475
    Likes Received:
    2
    Can others edit my Photos:
    Photos NOT OK to edit
    Sorry you lost your gear, that sucks!

    But...

    'I live in a good neighborhood'
    Do people think thieves want to rob bad neighborhoods? Sorry, but this line is in about every 'my gear got stolen' thread I've read lately.

    1. The thief is the bad guy, I hope he/she gets caught.
    2. You were irresponsible, learn from it so it doesn't happen again.

    There's no such thing as a place where nobody will get your stuff... Statistically speaking, chances are it's someone you know.
     
  9. molested_cow

    molested_cow No longer a newbie, moving up!

    Joined:
    Jul 3, 2004
    Messages:
    3,628
    Likes Received:
    460
    Location:
    Here N There
    Never leave anything in the car, no matter how insignificant it is. When I lived in Detroit, I was told not to leave anything visible especially small changes. The homeless guys WILL break your window to get it. To them, a quarter is a quarter. Your car window doesn't cost anything to them. If they get caught, they will have shelter for the night.

    In the 6 years I lived in Detroit, nothing ever happened to my car. Conversely, I have had my car keyed and broken into when parked IN THE DRIVE WAY in very nice and safe neighborhoods in other parts of the country. You just never know, so don't take the chance. If you need to leave anything in the car, put them in the trunk.
     
  10. itznfb

    itznfb TPF Noob!

    Joined:
    May 21, 2008
    Messages:
    1,167
    Likes Received:
    0
    Location:
    Pittsburgh, PA
    Can others edit my Photos:
    Photos NOT OK to edit
    I know with Geico, Allstate and Nationwide they cover stolen property in the base full coverage policy. I've unfortunately tested both Geico and Allstate. They even covered about $200 worth of CDs as well as about $1000 worth of camera gear, mp3 player... one of those times my phone.

    Just depends on the insurance. I can say though, if a policy didn't cover property theft... there is no way I would pay for that policy.
     
  11. Sachphotography

    Sachphotography TPF Noob!

    Joined:
    Jun 17, 2009
    Messages:
    1,229
    Likes Received:
    1
    Location:
    Tulsa, OK
    Can others edit my Photos:
    Photos NOT OK to edit
    Car Insurance does not cover property that is not bolted to the car. I have never seen a policy that will cover unbolted items. All the items you listed would be covered under home owners insurance.

    Here is a clip from an article about this subject.
    If a crook breaks into your vehicle, auto insurance covers all the losses, right? Not necessarily. If personal items are stolen from inside your vehicle, car insurance will not cover you-you'll need to file a home insurance claim to recoup your losses.

    Here's how it works: The comprehensive portion of your auto insurance policy covers theft of items that are permanently built into the vehicle, like a car stereo or GPS device. Damage to the vehicle itself, including glass breakage, is also covered by auto insurance. What auto insurance won't cover, however, is theft of personal items from your vehicle.

    That's where home insurance comes into play.

    Home insurance will cover the theft of items that aren't part of the vehicle itself, like cell phones, purses and baseball equipment. If your policy includes off premises theft coverage, your items will be covered even if your car isn't parked at home.

    What Auto Insurance Covers:
    Car Stereo
    Built-in GPS

    What Home Insurance Covers:
    CDs
    Golf clubs
    Cell phone
    Child's car seat

    Where it gets tricky, though, is when your car is stolen. The comprehensive portion of your auto insurance policy will cover your stolen vehicle, but how about your personal items? Will you need to file an auto and home insurance claim to recover both your vehicle and possessions?



    .......I do not believe that your car insurance covered all the items you stated. I have been writting insurance for almost 4 years and have yet to see a car company that will cover unbolted items.

    Just for kicks...I called agents for all three of the companies listed... None of them have any auto policies that will cover unboted items. Only renters insurance and home owners will cover it.
     
    Last edited: Dec 11, 2009
  12. itznfb

    itznfb TPF Noob!

    Joined:
    May 21, 2008
    Messages:
    1,167
    Likes Received:
    0
    Location:
    Pittsburgh, PA
    Can others edit my Photos:
    Photos NOT OK to edit
    You also live in a different state. Each company's comprehensive policy is different. It also varies by state. I can guarantee they didn't replace $2000 worth or personal items out of the goodness of their heart.
     

Share This Page

Search tags for this page

allstate efs

,
allstate efs sucks
,
does nationwide full coverage cover stolen property out of a vehicle