GPS and Radar Detector covered by insurance?

Discussion in 'Audio, Video & Gadget Tech' started by UpsetProps, Aug 21, 2012.

  1. UpsetProps

    UpsetProps Member 2 Years 100 Posts

    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?
  2. Enkeiavalanche

    Enkeiavalanche Loving the Outdoors Staff Member 5+ Years ROTM Winner 5000 Posts

    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..
  3. sstoner911

    sstoner911 Epic Member 5+ Years 1000 Posts

    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".
  4. tbplus10

    tbplus10 Epic Member Staff Member 5+ Years 5000 Posts Platinum Contributor

    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. PantheraUncia

    PantheraUncia Epic Member 5+ Years 1000 Posts

    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. SurrealOne

    SurrealOne Former Member ROTM Winner 1000 Posts

    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. Skippy

    Skippy Member 2 Years 100 Posts

    Youch... One more reason I keep the policies together. I hear of this WAYYY too often...
  8. reggiecab2000

    reggiecab2000 Epic Member 5+ Years 1000 Posts

    isnt this why all those commercials advertise insurance "bundling" LOL:lol:
  9. UpsetProps

    UpsetProps Member 2 Years 100 Posts 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.

    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: Aug 28, 2012

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