I was robbed!!!!!!!!!
Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,114
From: Crossville TN
Most auto insurance policies cover the car only. Sometimes it will cover personal items that you are transporting (after deductibles). If you add something of particular value to the car, you have to let the insurance company know and they will add a 'rider' to your policy and increase the premium accordingly [usually not very much].
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
Melting Slicks
Joined: Nov 2000
Posts: 2,507
Likes: 114
From: St. Louis Mo
Most auto insurance policies cover the car only. Sometimes it will cover personal items that you are transporting (after deductibles). If you add something of particular value to the car, you have to let the insurance company know and they will add a 'rider' to your policy and increase the premium accordingly [usually not very much].
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
Le Mans Master
Joined: Nov 2004
Posts: 7,186
Likes: 45
From: detroit area
it's some one that knows you or they followed you home after hearing you out and about.......
i had a 4500 system stolen 60 feet from the front door of a club while the bouncers were outside...wtf.....
had 2 break-ins in the driveway and it was the kid down the street...never took it out on him since i didnt have full proof...but it was him
my vette system is bolted down.... but i figure if they want the vette that bad they'll get it...... would have to flat bed it though.....
b
i had a 4500 system stolen 60 feet from the front door of a club while the bouncers were outside...wtf.....
had 2 break-ins in the driveway and it was the kid down the street...never took it out on him since i didnt have full proof...but it was him
my vette system is bolted down.... but i figure if they want the vette that bad they'll get it...... would have to flat bed it though.....
b
Melting Slicks
Joined: Jun 2005
Posts: 2,938
Likes: 2
From: Arkansas
Hmmm let me see. Oh yeah normally the truck would be locked in the garage but because my 75 vette is on one side and the frame and rear clip are on the other there was no room for the truck.
Didn't know that as a forum member I could not share an incident with my fellow members regardless of whether or not it is related to my C3
Didn't know that as a forum member I could not share an incident with my fellow members regardless of whether or not it is related to my C3
Racer
Joined: Oct 2004
Posts: 466
Likes: 0
From: Around Memphis,tn
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Racer
Joined: Dec 2007
Posts: 262
Likes: 12
From: Montgomery Alabama
Guy broke into my Honda two years ago. Radio stolen and not recovered. Police discovered the break-in and knocked at my door at 3 AM. They actually caught the guy due to an observant neighbor dressing to go to early work. Guy got 7 years in the Alabama prison system...all for a 200 dollar radio. Go figure!
And he has to pay me restitution when he gets out through the courts. Go Bama!!!
And he has to pay me restitution when he gets out through the courts. Go Bama!!!
Racer
Joined: Aug 2007
Posts: 414
Likes: 0
From: Quincy MA
My understanding was that if it was bolted to the car you could get paid from the insurnace, for example a radar detector wouldn't be covered. Hmmmmmmmmmm... Do you have home owners or apartment insurance? If so call your insurance see if they'll cover it.
Kevin
Kevin
Racer
Joined: Dec 2005
Posts: 474
Likes: 127
From: Stafford Virginia
Sadly I feel your pain and for some years I gave up on enhancing the stock stuff but finally came to appreciate insurance companies. I spend a lot more time in the details of the policy and running stuff by them well in advance of learning the hard way....since I learned the hard way too many times. It's like that diamond on your wife's hand....wait until you see how much you get for that if it's stolen or lost. It really doesn't cost much more to upgrade on insurance and since they have replaced three motorcycles, two cars, and some stereo stuff I'm confident I'm on the upside for life.
PS - I avoided using the any C3 related comments in my posting as well.
PS - I avoided using the any C3 related comments in my posting as well.
Racer
Joined: Dec 2005
Posts: 474
Likes: 127
From: Stafford Virginia
If it was in the garage you may have a home owners claim if the auto policy doesn't cover it but almost every policy requires notification of those items....and things like bling bling rims or fancy crate motors, etc.
Instructor
Joined: Jan 2008
Posts: 149
Likes: 8
From: Scarborough Qld
Most auto insurance policies cover the car only. Sometimes it will cover personal items that you are transporting (after deductibles). If you add something of particular value to the car, you have to let the insurance company know and they will add a 'rider' to your policy and increase the premium accordingly [usually not very much].
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
Think about it: anyone can CLAIM someone stole valuable stuff out of their car to swindle the insurance company. And that scam was done regularly until the insurance companies changed the 'rules'. It's the same with homeowner's insurance. If you have a valuable painting in your home, you'd better have it written into your coverage....or it won't be replaced when you have a fire/flood/whatever.
I also take walk thru videos of the contents of our home & store them in a safe place if we go on extended holidays. That way, if there is something that you have forgotten to list with the insurance company, at least you have proof that you owned it. ( in the event of a robbery)
Just a thought!
Drifting
Joined: Apr 2007
Posts: 1,810
Likes: 0
From: NJ
Instructor
Joined: Dec 2005
Posts: 188
Likes: 20
From: Victoria Texas
Safety Car
Joined: Oct 2000
Posts: 3,547
Likes: 12
From: Carbondale Pa.
and the Red Sux need to play catch-up for quite a few years. Peace,,,Moosie 
Team Owner
Joined: Oct 2004
Posts: 23,831
Likes: 10
From: Springfield MO
St. Jude Donor '07
I am sorry. My vette, well, I dont leave her unattended. I make the grocery cart dude sit with her....
I had an 84 Toyota Celica GTS that was broken into 3 times for stereo equipment.
Since then (10 yrs and a couple kids) I gave up on amps, bass tubes, and, in general, the fun stuff. I know how you feel though. One time someone almost got my car in Boston..left a dent puller in the ignition. I was soooo mad and violated. Atleast you have your car. I thought electric current might be a good deterrent
I had an 84 Toyota Celica GTS that was broken into 3 times for stereo equipment.
Since then (10 yrs and a couple kids) I gave up on amps, bass tubes, and, in general, the fun stuff. I know how you feel though. One time someone almost got my car in Boston..left a dent puller in the ignition. I was soooo mad and violated. Atleast you have your car. I thought electric current might be a good deterrent
Safety Car
Joined: Jun 2005
Posts: 3,775
Likes: 4