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Photography gear stolen from car


4 years 7 months ago #657548 by Jackson Rieger
I have a rag top and yesterday ran into a mall here quick to get a new pair of sneakers.  I had my gear sitting in the back seat.  As I'm driving home, I heard a strange noise and turned back to see a cut in the roof of my car!  

My guess is someone was trying to get into my car, and perhaps me coming out early spoiled their efforts.  

My question is had they been successful, and got my gear, would that have been covered by my cars insurance?  I called my carrier and got someone who couldn't give me a clear answer. Google wasn't much help, not at least if I wanted an answer this century.  
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4 years 7 months ago #657616 by effron
Depends on the insurance contract, probably not. I have my gear covered for theft under my homeowners, however I don't believe they'll cover a pro's gear for loss from theft and damage.
Why so serious?
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4 years 7 months ago #657644 by Office Guy
+1 all depends on your policy you have
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4 years 7 months ago - 4 years 7 months ago #657647 by garyrhook
I'll go with "usually, no". Mostly I hear about homeowner's insurance covering that sort of loss. Which, depending upon your deductible, might not be very helpful. Your auto insurance is for damage to your car (comprehensive coverage).

Suggest:
  1. Get a rider on your home insurance to cover the equipment (assuming it's used for recreational purposes only).
  2. Stop leaving things in your car where they can be seen. I would think that everyone understood that by now. I would be mistaken.
That fact that your carrier can't explain your coverage is also problematic, and suggests the potential for problems down the road in the event of a claim. You might want to (a) help us all out by naming your insurer, so we can be aware of potential problems (why not name names?), and (b) consider changing carriers.
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4 years 7 months ago #657648 by Ozzie_Traveller
G'day Jackson

Most Aussie policies cover the vehicle 'as it was sold to you' ... some include tools etc. that remain permanently in the vehicle. For items that primarily live somewhere else ie: in your home or office, these require either a "specific items" addition to the policy - or it needs to be spelled out in your householders policy.

For myself when years ago I was in your situation, I had an additional, specific 'photographic equipment' policy for all the stuff that came and went from the house regularly

Hope this helps
Phil from the great land Downunder
www.flickr.com/photos/ozzie_traveller/sets/
Phil from the great land Downunder
www.flickr.com/photos/ozzie_traveller/sets/
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4 years 7 months ago #657735 by J Photo Man
Don't you have an alarm on your car?  Seriously might be a good time to invest in one.  You lucked out that they ran out of time, or got spooked.  

Regarding  your question, this completely depends on your insurance policy.  
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4 years 7 months ago #657774 by Roman Omell
Man, I haven't had an alarm in my own car in years!  I just use what is in the car.  Actually come to think of it, I think that's just a stock lock the doors beep I'm getting from my car.  :whistle:
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4 years 7 months ago #657776 by garyrhook
Alarms on cars are, IMO, worthless. No one pays any attention to them. Do you?

I'm also not sure that an alarm would detect someone cutting through a convertible roof. The OP did say it was a ragtop.
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4 years 7 months ago #657794 by effron
Yup, convertibles are useless for securing items and Hook is correct, car alarms go off when a squirrel jumps on the car here, nobody stirs.....
Why so serious?
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4 years 7 months ago #657836 by Instamixes
This depends on your car insurance type. But I think they will not cover your gear loss in the car insurance. 
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4 years 7 months ago #657903 by fmw
It would be a rare insurance policy that would cover the loss of a camera.  The top should be covered, though.
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4 years 7 months ago #658178 by Ian Stone
LOL you don't dare to leave valuables in your car up here.   Bring them with you.  Always!  
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