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Car insurance & bike theft(4 posts)

Car insurance & bike theftMAII
May 13, 2002 7:50 AM
Hi people -

If anyone has experience with this or any advice please post your thoughts.

Last week my titanium Lemond with many personalized upgrades was taken from me...here is the story my car was parked at work, in the same place I have parked (often with a bike locked on the roof)for 6 years. Sometime between 9AM and 3PM a thug made off with the car, bike on top. To make a long story shorter....the police recovered the car and made an arrest. The guy says he put the bike on the side of the road because it was a distiguishing characteristic ( No DUH...why not steal a car without a bike!) My problem is my car insurance says they will not cover the bike. My boyfriend's ( who I live with ) homeowners will not cover it because I have a out of state plate and/or we are not married. To tell you the truth he actually wasn't to thrilled about the idea of claiming on his home owners anyway. Someone told me that they thought I should push the issue with my auto policy people. Anyone ever successful with this ???
MAII
hell yes...merckx56
May 13, 2002 11:27 AM
jump all over the insurance people! all the freaking premiums you pay and they say they aren't going to cover it!
I had a couple of pairs of wheels liberated from my truck and the insurance company said no way because they weren't "a part of the vehicle". i had an attorney friend call and miraculously, the insurance company wanted to deal.
if worse comes to worse, sue the bastards. 99 times out of 100, an insurance company will settle just to shut you and your attorney up! call, write, email and just generally aggravate the shit out of them until you get a check!
my insurance agent was clear....mixinbeatz
May 13, 2002 2:38 PM
Anything on the roof, whether locked or not, is not covered by my auto insurance. I found that it is covered by my homeowners insurance though.
insurance lawyer hereDougSloan
May 13, 2002 3:56 PM
I've been on both sides of these things, and a claimant as well.

First, make the claims on any policies that might even remotely apply. You never know. Be truthful, and if they cover it, you win; if they deny, then take it from there.

Insurance policies are contracts. Coverage depends upon what the contracts say (99% of the time), not what anyone *thinks* they should say or cover.

His homeowners likely only insures property of "an insured", which likely is defined as full time residents or family members of his household. You might have some explaining to do. Read the policy for the definitions. The "out of state plates" reasoning doesn't sound very legit. They need more than that.

He might have liability coverage if *he* were negligent in putting your bike on the roof and leaving it there. It may involve you suing him, though. This one is a real stretch.

Auto insurance I doubt applies. The purpose of auto insurance is to fix the car and pay other people if you are negligent in driving the car. It might apply to contents, if you took reasonable meausures to protect them. You'll have to carefully read the policy. Nonetheless, make the claim.

Making a false claim by giving false information to the insurance company is fraud, illegal, and wrong. Making a claim based upon truthful information that may or may not fall within the policy language is entirely different. You shouldn't fear making a claim if you are telling the truth. Sometimes, despite public perceptions, insurance companies will pay arguable claims (there are lots of business reasons for doing so that I won't bore you with).

If you are young and college or something, you might be insured under your parents' homeowners insurance. Try that, too.

Doug