Theft of camera gear from car

In message . com,
" wrote:

I called State Farm [not that it
matters who does your "personal items" policy].

Maybe it does. I've heard people complain that the insurance they had
from other companies only paid a fraction of what it cost to replace the
items (their current value, prorated), much to their surprise. State
Farm offered me full replacement for the personal property when I went
for my coop/condo insurance, as default, without me asking for it,
special. State Farm has one of the highest customer satisfaction
levels, because, as you said in your post, they do not penalize their
customers for a small number of incidences (they maintain your "safe
driver" discount if they have granted it to you, even with one moving
violation and/or accident under your belt), and generally don't snoop
into DMV records on you (this is usually only triggered by an actual
collision with a claim).
--


John P Sheehy

In message ,
Jer wrote:

I can already see I'm not the only one that figured this out. I never
open my trunk in the company if strangers if I'm leaving it alone afterward.

If I am in a shopping center, and buy something in one store that looks
like it may be valuable, I will put it in my trunk, and drive to another
parking spot, before going into another store. Same with my London Fog
bag that I sometimes carry my laptop in, or a jacket I am shedding.

One of the biggest tools that thieves use again people is some people's
belief that there is such a thing as "safe areas". There are no safe
areas, there are only areas where statistically speaking, per capita
crime is a fraction of what it is in other areas, and the fractions
aren't infinitessimal, by any measure. Nor are great landscape views
evidence of lower crime. I am an urbanite, and from what I can recall,
more of my rural aquaintences have had their homes burglarized than my
city aquaintences. That's not to say that the insurance companies won't
charge more for the city, quoting "burglaries per square mile" as their
factor.
--


John P Sheehy

In article ,
wrote:

Maybe it does. I've heard people complain that the insurance they had
from other companies only paid a fraction of what it cost to replace the
items (their current value, prorated), much to their surprise. State
Farm offered me full replacement for the personal property when I went
for my coop/condo insurance, as default, without me asking for it,
special. State Farm has one of the highest customer satisfaction
levels, because, as you said in your post, they do not penalize their
customers for a small number of incidences (they maintain your "safe
driver" discount if they have granted it to you, even with one moving
violation and/or accident under your belt), and generally don't snoop
into DMV records on you (this is usually only triggered by an actual
collision with a claim).

On the other hand they are one of the pickier insurance companies to
get coverage from. If your clean it should be no problem. I've been
insured by them 24 years, no major claims. People I know though have
exclusions on them from State Farm for more than twenty plus years.

I've been very happy.

--
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