Insurance help question - Calgarypuck Forums - The Unofficial Calgary Flames Fan Community

puckluck2 · 06-13-2013, 09:14 AM

My vehicle was damaged by a drunk driver and he hit it so hard that a machine valued at around $1000 toppled over and is now broken and not usable. Finally got a hold of the adjuster and she told me I have to file a home insurance claim for that machine and they won't cover it. My vehicle was parked on the street, is she being completely honest with me? Shouldn't they have to cover it?

Nyah · 06-13-2013, 09:19 AM

This isn't exactly like your situation, but I'm assuming the machine was in your vehicle? My brother's car was broken into and his Xbox & games were stolen out of it (about 10 years ago). He was told to go through home insurance for that too.

undercoverbrother · 06-13-2013, 09:27 AM

Quote:

Originally Posted by puckluck2

My vehicle was damaged by a drunk driver and he hit it so hard that a machine valued at around $1000 toppled over and is now broken and not usable. Finally got a hold of the adjuster and she told me I have to file a home insurance claim for that machine and they won't cover it. My vehicle was parked on the street, is she being completely honest with me? Shouldn't they have to cover it?

If the equipment was not a part of the vehicle, ie: bolted to the truck, then no.

You vehicle insurance covers the vehicle, not the contents of the vehicle. Because the equipment was not bolted, it is not part of the truck. This can get a bit different when dealing with large equipment, but I assume such is not the case for you.

Your adjuster is correct.

GoinAllTheWay · 06-13-2013, 09:44 AM

All the above are correct. Vehicles insurance does not cover household contents. Only the vehicle and what would be considered normal to keep in a vehilce (cd's, GPS, etc...) everything else under home insurance.

undercoverbrother · 06-13-2013, 09:46 AM

Quote:

Originally Posted by GoinAllTheWay

All the above are correct. Vehicles insurance does not cover household contents. Only the vehicle and what would be considered normal to keep in a vehilce (cd's, GPS, etc...) everything else under home insurance.

Are you sure about this?

GoinAllTheWay · 06-13-2013, 09:53 AM

Yep. Very sure. There are limits to the cd's, like 10 I think but ya...vehicles do have a form of "contents" coverage too. It doesn't cover a ton though obviously and certainly not what the OP was asking about. And when I say GPS, I mean the type you would buy for a car, not your handheld variety.

undercoverbrother · 06-13-2013, 09:58 AM

Quote:

Originally Posted by GoinAllTheWay

Yep. Very sure. There are limits to the cd's, like 10 I think but ya...vehicles do have a form of "contents" coverage too. It doesn't cover a ton though obviously and certainly not what the OP was asking about. And when I say GPS, I mean the type you would buy for a car, not your handheld variety.

Really, the IBC thinks differently:

Quote:

58% of Canadians believe that the contents of their vehicles are not covered by their automobile insurance.

They are right. Your automobile insurance covers the driver, the passengers and, depending on your policy, the car itself. It does not cover the stuff you carry around in your car. Typically, any sporting equipment (e.g., golf clubs), DVDs and MP3 players or other items that may get stolen from your car or damaged in a collision are covered by your home or tenant’s insurance. However, if you run a home-based business, your standard home or tenant’s insurance policy will likely not cover items related to that business (e.g., products or equipment) if they get stolen from or damaged in your car. Check with your insurance representative to find out what types of vehicle contents your home or tenant’s insurance covers.

http://www.ibc.ca/en/You_Wanted_to_Know/

GoinAllTheWay · 06-13-2013, 10:21 AM

Quote:

Originally Posted by undercoverbrother

Really, the IBC thinks differently:

http://www.ibc.ca/en/You_Wanted_to_Know/

Yes, but the examples they give are not the same. The only expeption would be DVD's (even there I think you could make a convincing argurment) perhaps as there are a number of vehicles that obviously have DVD players but the other examples like sporting equipment is bang on.

Trust me...I do this for a living. It's not often that you will claim any normal vehicle contents as they are likely to fall below your deductible but there are concesssions for some contents. If I can find it in my manual, I'll post it here.

But it really is splitting hairs as for the most part you are correct but there are some things you can claim.

Dion · 06-13-2013, 10:23 AM

Your adjuster is correct, puckluck. Had a situation years ago where someone smashed my drivers window and stole some CD's and a jacket that were in my vehicle. They replaced the glass but had to go through my home insurance for the items stolen.

undercoverbrother · 06-13-2013, 10:23 AM

Quote:

Originally Posted by GoinAllTheWay

Yes, but the examples they give are not the same. The only expeption would be DVD's (even there I think you could make a convincing argurment) perhaps as there are a number of vehicles that obviously have DVD players but the other examples like sporting equipment is bang on.

Trust me...I do this for a living. It's not often that you will claim any normal vehicle contents as they are likely to fall below your deductible but there are concesssions for some contents. If I can find it in my manual, I'll post it here.

But it really is splitting hairs as for the most part you are correct but there are some things you can claim.

Thanks.

I look forward to seeing your post from your manual.

Hockeyguy15 · 06-13-2013, 10:28 AM

Quote:

Originally Posted by GoinAllTheWay

Yes, but the examples they give are not the same. The only expeption would be DVD's (even there I think you could make a convincing argurment) perhaps as there are a number of vehicles that obviously have DVD players but the other examples like sporting equipment is bang on.

Trust me...I do this for a living. It's not often that you will claim any normal vehicle contents as they are likely to fall below your deductible but there are concesssions for some contents. If I can find it in my manual, I'll post it here.

But it really is splitting hairs as for the most part you are correct but there are some things you can claim.

Odd...Any of the 3 times my car or my wifes car has been broken into anything inside the car (minus the stereo) had to be claimed under house insurance.

GoinAllTheWay · 06-13-2013, 10:29 AM

Another good example is a radar/laser detector.

Slava · 06-13-2013, 10:30 AM

There is some bad advice here, potentially. Do you have the insurance and information for the guy who hit your vehicle? His insurance will likely cover this, or at least you could make the argument that it should. His coverage is for liability and property damage. If the item was damaged as a result of his negligence then that is part of your claim against him.

Its true that for your own auto policy this would not be covered, but I'm not sure that is what you're asking here?

GoinAllTheWay · 06-13-2013, 10:33 AM

Quote:

Originally Posted by Hockeyguy15

Odd...Any of the 3 times my car or my wifes car has been broken into anything inside the car (minus the stereo) had to be claimed under house insurance.

What was stolen from her car though?

undercoverbrother · 06-13-2013, 10:34 AM

Quote:

Originally Posted by Slava

There is some bad advice here, potentially. Do you have the insurance and information for the guy who hit your vehicle? His insurance will likely cover this, or at least you could make the argument that it should. His coverage is for liability and property damage. If the item was damaged as a result of his negligence then that is part of your claim against him.

Its true that for your own auto policy this would not be covered, but I'm not sure that is what you're asking here?

Please give specifics of the bad advice.

Canehdianman · 06-13-2013, 10:41 AM

Slava's point is that if puckluck2's car was hit by someone whom he has the insurance information for, it would be that individual's insurance that would be paying for the replacement of the $1000 machine.

Hockeyguy15 · 06-13-2013, 10:42 AM

Quote:

Originally Posted by GoinAllTheWay

What was stolen from her car though?

Stereo (twice), CD's (3 times), laptop (once).

Hockeyguy15 · 06-13-2013, 10:43 AM

Quote:

Originally Posted by Canehdianman

Slava's point is that if puckluck2's car was hit by someone whom he has the insurance information for, it would be that individual's insurance that would be paying for the replacement of the $1000 machine.

Doesn't he put the claim in with his insurance, and then they recoup it from the drunk's insurance?

undercoverbrother · 06-13-2013, 10:46 AM

Quote:

Originally Posted by Canehdianman

Slava's point is that if puckluck2's car was hit by someone whom he has the insurance information for, it would be that individual's insurance that would be paying for the replacement of the $1000 machine.

wrong

GoinAllTheWay · 06-13-2013, 10:49 AM

Quote:

Originally Posted by Hockeyguy15

Stereo (twice), CD's (3 times), laptop (once).

But the stereo was covered though, right? CD's I'm a little surprised although they likely weren't worth claiming and the laptop would certainly be a no go.