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User Name Thread Name Subject Posted
Michael S Oh no - somebody stole my CD collection (59* d) RE: Oh no - somebody stole my CD collection 26 Jul 04

Maryrrf, 'm sorry for your loss. I know a bit about the mundane subject of property insurance, and after the shock and feeling of violation wears off, you may find yourself wanting some money if you are entitled to it. This is why you paid for your auto and homeowner's policies.

Anyway, a couple of comments suggest that there may be no coverage because the car was unlocked and perhaps the CDs were in plain view. Under any property policy I've ever seen (many), that's wholly irrelevant. A theft is a theft. If the whole damn car was stolen because the keys were on the seat, you could recover. If your home or auto policy provides coverage for theft of personal property (and the former almost certainly does, usually no matter where the stuff is) you've paid for your right to indemnity.

Now, there may be specific provisions that limit your rights. Policies often limit coverage for SPECIFIC things that are easy to lift, like cash or jewelry. But they have to say this. The mere fact that CD theft happens alot means nothing. What matters is what the policy says.

Deductibles are also an issue. But replacing 60 CDs may cost $900 or more, and many policies pay full replacement cost, less deductible. You may not get enough for 60 CDs, but maybe enough for 25.

I hate to prattle on about this. But I hate more the thought that casual and errant advice might keep you from recovering a few hundred dollars if you want it.

Catters, perhaps we've got our own copies of Maryrrf's CDs among us. I'm for helping out.

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