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Insurance Question

WIP

WIP

Staff member
Moderator
Our daughter's car was broken into last night. The way they got in was through the keyless entry keypad. They didn't even damage the car's finish. My daughter had left her iPad inside a black laundry bag along with her clothes on the floor in the back seat. She had brought her laundry home to wash it and put her iPad inside when she carried out to her car when she left our house. They found the iPad and a pint jar she had in the door pocket where she kept some change, about $30 was in there. They also broke the one music CD she had in her center console for some reason.

The police officer told my daughter that it is actually safer to leave her car unlocked and just not keep any loose valuables inside. That way would-be thieves wouldn't have to damage her vehicle to get inside. This seems reasonable and in fact is part of the reason we rarely lock the doors on our country home.

The question I have with this is if she followed this advice and someone got in and let's say damaged the interior by removing the sound system or something, would the auto insurance deny coverage because the car was left unlocked?
 
Insurance companies I have dealt with will deny coverage any way possible.. If in doubt ask the company you deal with..
Getting broke into is such a creepy violation I hope she is OK ...
 
You would have to read through your policy to see what exclusions there are. I can't imagine this kind of thing would be excluded, however, depending on the value of the damages/items stolen there may be a deductible involved. But you will know more once you read through your policy.

If you want help understanding the "legaleze" it is written in you can post excerpts here and we can help you interpret.

Remember, any ambiguity in a policy will be in your favor, should you need to dispute a denial of coverage.
 
I wouldn't follow that advice at all. That's telling a thief your easy targets. Plus the fact that she wouldn't be able to use her trunk or any part of the car as storage. This includes minor things as well, if I were to steal I would take car components all day easily selling them.

We don't live in an age where you can't leave anything unlocked anymore. Sounds logical in some sense but, at the end of the day it's better to give them a harder target to deter them. Unlocked houses are just asking for home invasions.

Insurance companies are no good to anyone. Just my opinion though.
 
JoJoe said:
I wouldn't follow that advice at all. That's telling a thief your easy targets. Plus the fact that she wouldn't be able to use her trunk or any part of the car as storage. This includes minor things as well, if I were to steal I would take car components all day easily selling them.

We don't live in an age where you can't leave anything unlocked anymore. Sounds logical in some sense but, at the end of the day it's better to give them a harder target to deter them. Unlocked houses are just asking for home invasions.

Insurance companies are no good to anyone. Just my opinion though.
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Actually, insurance is a very powerful risk management tool, if used properly. Of course there are some companies that try to get away with not covering certain things, but that is what your ability to read, and the DOI of your state, are for.

I have spent most of my adult life in and around the insurance industry and have found most of the fraud related to insurance comes from the policyholders themselves, not the companies. That is not to say all insurance companies are filled with sunshine and roses, but more often than not the reason we are required to pay more in premiums is because insurance companies need to build into their premiums the fact that there are those who will try to commit insurance fraud, which is quite costly.
 
Knotical said:
Actually, insurance is a very powerful risk management tool, if used properly. Of course there are some companies that try to get away with not covering certain things, but that is what your ability to read, and the DOI of your state, are for.

I have spent most of my adult life in and around the insurance industry and have found most of the fraud related to insurance comes from the policyholders themselves, not the companies. That is not to say all insurance companies are filled with sunshine and roses, but more often than not the reason we are required to pay more in premiums is because insurance companies need to build into their premiums the fact that there are those who will try to commit insurance fraud, which is quite costly.
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Yeah...
I know different companies are better or worse but, in my experience they just milk. Same way banks charge for every little thing. Also the fact that it's mandatory is irritating.

Guess it's just my harsh outlook on it. I don't drive much now days anyway but, once I get my mobile home then I will be fighting yet another insurance plan.
 
reba said:
Insurance companies I have dealt with will deny coverage any way possible.. If in doubt ask the company you deal with..
Getting broke into is such a creepy violation I hope she is OK ...
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She was more scared than anything even though it was after the fact. She didn't even want to go near the car once she realized what had happened.
 
WIP said:
Progressive
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Unless I am way off base (which is entirely possible) Progressive is a pretty large insurer and I would imagine they have theft coverage in their policies, so I would reiterate my earlier recommendation to read through the policy to find out what kind of coverage you have in regard to that.
 
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