Photo by: joeshlabotnik
I called the police station and they took my information, and being a first time victim I asked when someone was coming out. Silly me, they don’t care about that; they have bigger fish to fry. They said to give the case number to my insurance company and go from there.
So I called up my good buddy Geico, knowing that I have full coverage on my vehicle, I’m assuming they’d cover this. Welp, contrary to my popular belief, they don’t. They cover the vehicle itself, so they’ll cover any damage to that vehicle, not the property inside it. So at this point, they’ll cover the window (withy my $100 deductible). They left me saying they’ll cover the window and to call my HOMEONWERS insurance company for the stuff inside the car.
I get Allstate on the call (as you know I recently switched over to them) and I tell THEM my story now, and they tell me no problem, everything should be alright. I know I have a $750 deductible so I figure I’ll get $750 at least back for the $1500 because the custom stereo system itself was almost $800. Unfortunately they tell me that they don’t cover the stereo because “it is attached TO the car, therefore, they can’t cover that and to contact Geico about that.” They go on to tell me that if, with the subtraction of the stereo system, if I’ll even hit the $750 deductible. Clearly I won’t, and now am upset to say the least as it looks as though the $1500 bill is going to cost me $1500.
Photo by: freeparking
At this point the lady tells me that they “may” be able to replace the cost of the factory stereo and I said that is a start. I said, “I would like to have someone come out and assess my damages as I have my stereo wires all over the place, likely pulled out and yanked beyond standard repair, I have hacks in my dashboard from them trying to get it out. I have a screwdriver mark carved out on my door frame, and coat hanger marks from them trying to jimmy rig it open, and I can smell something burning when I start the car up.
They tell me they’ll send someone out shortly. This was yesterday, and I haven’t heard anything new yet. They can expect a call from me tonight.
Lessons learned from this “exercise”:
1. Don’t leave your car parked at the end of a dark cul de sac with video equipment show. This is partly my fault and I learned this the hard way now, I accept responsbility for it – but I pay $200ish per month for homeonwers and car insurance, they need to step up when this happens.
2. Declare your after-market products in your car to your car insurance company. They’ll cover them for a small fee more per year, but apparently they don’t tell you this until it happens, call them immediately if you have something non-standard in your car!
3. Clean your garage out to have your car fit in there, or leave your dumpy car outside. I was parking MY car in the garage (that has nothing of value in it) and leaving the suburban outside (that had all the goodies in it).
4. I remember reading something I was watching on tv once that mentioned all insurance companies first response is “we don’t cover that” – and then if you call back to complain you get the tier 2 guys that will help you. So another takeaway is to complain more than once about it.
Anyone had a similar experience? Better insurance companies? Recommendations?