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  1. #1
    Jr. Engineer UpsetProps's Avatar
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    Mar 2012
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    Calgary, Alberta, Canada
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    Default GPS and Radar Detector covered by insurance?

    My truck was broken into on the weekend and a bunch of stuff was stolen.

    Including my Garmin GPS device and Escort Radar Detcetor which were mounted to the windsheild with suction cups.

    My vehicle insurance and home insurance are under different insurance companies.

    The Vehicle Insurance company does not want to cover these items as they are not "hard wired" into the vehicle and thus they feel are "personal items" and should be covered by my home insurance.

    The Home Insurance company does not want to cover them either because they are "used in the vehicle" and thus they feel it is not a "home item".


    Anyone else have experience with something like this?

    Or suggestions what I should do or say to get the Home Insurance to cover the items?

    2012 Silverado 1500 LS Crew Cab 4.8L 4x4
    - Nitto Tera Grapler 265/70R17, Line-X bed liner, Black Bowties, Stampede front deflector, DeeZee black diamond plate bed rails, TonnoPro Lo-roll cover, Antenna deleted, Spyder Projection Headlights with Phillips CrystalVision Ultra bulbs, Spyder Tail Lights & 3rd Brake Light, Rough Country leveling kit, PlastiDip'd emblems, and wheel hubs, Diablosport Trinity, 20% tint, Black OEM grill


    "Coming through in a new Chevy, droppin' game like it's too heavy."

  2. #2
    Legend


    Enkeiavalanche's Avatar
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    Piermont,NY, back in Northern NJ now, But may be in IL soon....
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    Default

    Sorry to hear about this But this is where you have to read the Fine print.. Where was your truck parked? Was it home? Some Co's will cover it some won't go over everything on the Policy..
    08 Z71 Avalanche Mods to date: K&N CAI,Hellwig Swaybars and End Links, Corsa Sport Exhaust, Superchips Programer,IPCW LOF & 3rd brake light and tails, AMI Gas door,Show Hooks and Door locks, Enkei Wheels, with Pirelli tires, StreetScene Bowties, Grant Steering wheel,Muth signal mirrors,SSBC Big Brake kit,Huskyliner Mug gards,Floor mats and Hood shield, McGard Lug nuts and locks, Bedrug, Cervini's Ram Air hood,35watt HID Fog lights, Sylvania bulbs all around ZXE's Highs and Lows, WhiteNight Back up lights,Sirius and HD Radio, SnugTop sitting on deck now Got a Softopper on now,Tempress Boat Hatches.... New Bilstein shocks are on... New Mods coming soon..... X

  3. #3

    Default

    Quote Originally Posted by UpsetProps View Post
    My truck was broken into on the weekend and a bunch of stuff was stolen.

    Including my Garmin GPS device and Escort Radar Detcetor which were mounted to the windsheild with suction cups.

    My vehicle insurance and home insurance are under different insurance companies.

    The Vehicle Insurance company does not want to cover these items as they are not "hard wired" into the vehicle and thus they feel are "personal items" and should be covered by my home insurance.

    The Home Insurance company does not want to cover them either because they are "used in the vehicle" and thus they feel it is not a "home item".


    Anyone else have experience with something like this?

    Or suggestions what I should do or say to get the Home Insurance to cover the items?
    You are going to have to eat those items. I have never been a fan of radar detectors - and I never mount anything to my windshield and leave it. It is a big red flag that says " Hey look at my truck i have things to steal".


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  4. #4

    Default

    Whats your deductable? It might not be worth it in the end to claim them if you'll only get a few $$ back after the deductable and higher insurance rates.

  5. #5

    Default

    Quote Originally Posted by sstoner911 View Post
    You are going to have to eat those items. I have never been a fan of radar detectors - and I never mount anything to my windshield and leave it. It is a big red flag that says " Hey look at my truck i have things to steal".
    Well, there is one thing I mount on my windshield.... but it does not stay in the truck when I am not with it. The Dash Cam and the local PD did not really like it when I was coming home from Walmart at 2am and went though their DUI check point with it recording. What they did not know is that there are ( or will be ) 8 other HD video camera's hidden on the truck anyway.

  6. #6

    Default

    I'm sorry to learn of your expensive lesson. A few takeaways for you on this: it is best to have your home and vehicle policies with a single insurer to avoid this kind of finger-pointing ... and it's best to hard-wire everything into the vehicle in a concealed fashion so that not only do you not have things screaming 'steal me' ine the vehicle, but you also don't have concerns about your gadgets being 'personal items' as opposed to 'vehicular items'.

  7. #7

    Default

    Quote Originally Posted by UpsetProps View Post
    My truck was broken into on the weekend and a bunch of stuff was stolen.

    Including my Garmin GPS device and Escort Radar Detcetor which were mounted to the windsheild with suction cups.

    My vehicle insurance and home insurance are under different insurance companies.

    The Vehicle Insurance company does not want to cover these items as they are not "hard wired" into the vehicle and thus they feel are "personal items" and should be covered by my home insurance.

    The Home Insurance company does not want to cover them either because they are "used in the vehicle" and thus they feel it is not a "home item".


    Anyone else have experience with something like this?

    Or suggestions what I should do or say to get the Home Insurance to cover the items?
    Youch... One more reason I keep the policies together. I hear of this WAYYY too often...
    2006 Vortec Max 1500
    Performance:
    -Custom Tune (389HP 440 Ft/lbs Trq - Dyno'd) | Volant CAI | Magnaflow Dual-in/out Exhaust w/3" stainless pipe tips | Fully Built Transmission w/ Red Eagle Clutches & Kolene Steels w/ Corvette Servos and Stage2 Shift Kit | 35K Tranny Cooler | Mobil 1 | Royal Purple Rear Diff
    Other:
    -Spray-in Bed Liner
    -Premium Sound w/lifetime Satellite Radio | Leather | Sunroof | Heated Seats
    -Limbstriping from USING the truck (those are badges of honor)

  8. #8

    Default

    isnt this why all those commercials advertise insurance "bundling" LOL
    2000 Chevrolet Silverado

    Powertrain:
    4.3L V6, 4L60E, 2WD, Single Cab
    Performance:
    Airaid CAI
    Poweraid TB Spacer
    Flowmaster 10-series exhaust (dumped)
    BLACKBEAR TUNED!!!
    Edge CS insight monitor
    4.10 gears
    Limited-slip differential
    LS-1 Dual Electric fans
    Corvette tranny servo swap

    Audio:
    Head Unit: Alpine
    Speakers: Alpine SPR-60C 6.5" component set, 4X6 Infinity Kappas
    Subs: 2-12" Kicker CVT's
    Amps: Alpine-M1000 (subs), Alpine MRX-F65 (Speakers)


    Tires/Wheels:
    305/70R16 NITTO Terra Grapplers
    16" PROCOMP 7089's
    Suspension:
    2" leveling kit
    3" Fabtech Spindle Lift Kit
    Front/Rear-Bilstein 5100 shocks

    Lighting:
    FRONT
    35W HID Low Beams
    RECON LED smoked roof cab lights
    REAR
    HELLA LED taillights and 3rd brakelight
    HELLA FF-75 Aux. Reverse Lamps
    RIGID dually D2, flush mount, wide beam
    Accessories:
    Hawk HPS Brake pads
    Russell braided steel brake lines
    Powerstop-red powdercoated brake calipers
    Powerslot Cryo brake rotors
    EGR in-channel window visors

  9. #9
    Jr. Engineer UpsetProps's Avatar
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    Calgary, Alberta, Canada
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    Default

    Yeah....live and learn. I also found out 1 of the deductibles would have been waved had they been bundled together.
    This is the first insurance claim I have ever had to make.....and I won't be claiming anything it looks like b/c both deductibles are $500 and the total damages are $335 for the window and $500 for the lost items (not counting the $500 radar detector that neither will cover).

    I will be bundling my insurance in the future.

    Quote Originally Posted by reggiecab2000 View Post
    isnt this why all those commercials advertise insurance "bundling" LOL
    I never saw those commercials because I don't watch TV!


    Thanks for the tips guys....I will be doing as Surreal mentioned in the future and getting a Double DIN GPS / headunit.
    Last edited by UpsetProps; 08-28-2012 at 12:28 PM.

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