[TechAssist] Insurance is strange (Crying customer)

  • From: "Ty" <ty1k@xxxxxxxxxxx>
  • To: "Techassist" <techassist@xxxxxxxxxxxxx>
  • Date: Tue, 30 Mar 2004 12:22:28 -0800

My son Martin, worked for an outfit who repairs newspaper presses all over
the world.
While away, he stored his (If I remember correctly) Kawasaki 500 Dirt Bike
in my shed. He purchased it new and sill owed $7000.00.
Note, this bike is a dirt bike, and was not licensed for street use. It was
insured.
It was stolen out of my shed. On my property.
I reported it to the local police.
They told me that I could NOT report the bike stolen, only the owner of the
bike can do that.
Martin was working in Mexico, and I could not get a hold of him by cell
phone. It took me two weeks to reach him.
He called our local police to report that the bike was stolen.
Now, with the police report number, we were able to prove to the insurance
company that the bike was in fact stolen.
Several weeks later we received an answer from the insurance company.
They could NOT cover the loss due to the fact that the bike was secured
behind lock and key on private property.
If the bike would have been wrecked in an accident, on or off road, it would
have been covered. Also if the bike would have been stolen on public lands,
it would have been covered. Their suggestion was to contact his vehicular
insurance.
Martin's vehicular insurance informed us that since this bike was not
licensed, nor was it transported by a licensed vehicle, they could do
nothing. Their suggestion was to contact my homeowners insurance.
My homeowners insurance could not cover the loss due to the fact that to
much time has elapsed between the theft and the reporting and that it was a
vehicle.
About a year later the police called us to find out if we ever recovered the
bike. My wife took the call. She is German/Irish. Need I say more?


-----Original Message-----
From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
Of Jerrell Helms
Sent: Tuesday, March 30, 2004 11:22 AM
To: TECHSUPPORT@xxxxxxxxxxxxxxxx
Subject: Re: Crying customer


Insurance is strange. I found out this year that I could change my insurance
on one vehicle to a personal policy much less expensive even if I regularly
make house calls on it. If I haul TVs in it though it has to be a commercial
policy. This is Progressive Insurance. The hitch; the commercial policy does
not cover damages to the customer product. That is covered by my business
property policy.

In Alabama, probably everywhere, a homeowner's policy is the primary
coverage for items that are normally in the home, no matter what or where
happens to it. I even had a friend who was able to get re-imbursed
(completely legitimately) by his home owner's for his mechanics tools that
always stayed in his truck when they were stolen, and his vehicle policy
said no.

It never hurts to ask. I even found out my homeowners would clean the limbs
from my yard after Hurricane Opal ( after I had already done it myself.)


Jerrell Helms
Helms Radio & TV
966 S. Park Ave
Dothan, AL 36301
PH 334-793-8291
FX 334-793-1782
mailto:bjhelms@xxxxxxxxxxx
-----Original Message-----
From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
Of Mark Wentowski
Sent: Tuesday, March 30, 2004 12:26 PM
To: TECHSUPPORT@xxxxxxxxxxxxxxxx
Subject: Re: Crying customer


Apparently there are a lot of different policies available. One time we had
a customer break their set when they got in an automobile accident on the
way home from our shop. The car insurance fixed the car but wouldn't pay for
the TV but the homeowners insurance bought them a new set. I thought that
was very strange.

Mark Wentowski
Perry Hill Electronics
3836 Harrison Rd.
Montgomery AL 36109
phone: (334)279-5622
fax:   (334)273-9050
phes1@xxxxxxxxxxxxx

-----Original Message-----
From: Tech Support List [mailto:TECHSUPPORT@xxxxxxxxxxxxxxxx]On Behalf
Of Chuck
Sent: Monday, March 29, 2004 6:28 PM
To: TECHSUPPORT@xxxxxxxxxxxxxxxx
Subject: Re: Crying customer


At 06:06 PM 3/29/2004, Mark Wentowski wrote:
>It certainly made me take another look at my insurance.

To All,

Insurance does NOT cover what the home owner breaks. Now if he had broken
his next door neighbors TV, it would be covered.

If he had purchased it on a credit card, I **think** some credit card
companies would have paid for a new set.

BTW: My cost on the new parts was over 5K on a set that costs less than 4K.

Chuck


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NESDA members will receive a discount! See message below signature file.

Chuck Biddinger
Electronic Repair Company
8518 First Ave. North
Birmingham, Alabama 35206
Office  (205) 836-0454 (Central time zone)
Home  (205) 833-3589

mailto:erc@xxxxxxxxxxxxxxxxxxxxx

*******************************************

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Resort . It is located between Sevierville and Pigeon Forge, TN.

My condo is #1207 with a balcony. One bedroom with 2 queen size beds, full
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The resort has an outdoor pool, childen's pool with waterfall, and a lazy
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Please E-mail me and I will set up a rebate for you staying in my
condo.  mailto:chuck@xxxxxxxxxxxxxxxxxxxxx

Check it out:

http://www.condosinthesmokies.com

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