Anyone ever have your car/truck stolen?

kellen

kellen

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Two weeks ago tomorrow, my Chev Avalanche was stolen out of my driveway. I actually heard some bangs outside and looked out my bedroom window just in time to see it start up and take off. Anyway, I spoke to the insurance company that night, the next day, and then about 4 days after it happened. I went through my story each time and that was about it. They said they usually wait 2 weeks so they can wait and see if it gets recovered and also to do their own investigation. Well it's been two weeks and the cops haven't found it. I emailed them a list of everything that was in the truck, which was LOTS of tools, towing equipment, personal stuff. I should be hearing back from them tomorrow.

Anyone go through this before? What should I expect?
 
Same deal happened to my civic 5 years ago. Statefarm have me a rental the same day and let me keep it until n they cut me a cheque, which was 30 days later.

I gave them a list of mods on the car with pictures and receipts and also a knife kit I had for school(culinary). They paid me a depreciation value on them. iirc it was like 50% of the purchase price.
 
Cops don't actually look, they just put it on a list so it pops up if they are running the plate or checking the vin if they think it's abandoned.

A CRX owned by my ex ended up in Brampton almost a month after it was stolen, apparently it was sitting in mall lot for over a week before someone called it in as abandoned.
 
That truck is super easy to get into... So i guess its your fault.
 
I thought if your car is broken into and things are stolen, your home insurance covers the contents of your car.

Did daisoman get lucky with SF covering contents, are things different when the whole vehicle is stolen, or was I just wrong with how I thought things work?
 
GreyGhost said:
I thought if your car is broken into and things are stolen, your home insurance covers the contents of your car.
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That's how it worked when my car was stolen from Playdium in Mississauga. Anything not bolted to the car was covered by home insurance (no deductible, total theft). My car insurance covered all my speakers, amps, etc. Home insurance covered the nitrous, some jewellery, etc.

R.I.P. 88 Iroc :(

My%20faster%20car%20i%20bought%20AFTER%20the%20accident.jpg


Jamie88IROCzPPiPC1400andJL12W6_L.jpg


-Jamie M.
 
Aslan said:
Cops don't actually look, they just put it on a list so it pops up if they are running the plate or checking the vin if they think it's abandoned.

A CRX owned by my ex ended up in Brampton almost a month after it was stolen, apparently it was sitting in mall lot for over a week before someone called it in as abandoned.
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Pretty much. Actively searching for stolen vehicles would be futile. If it's reported quickly enough, the current shift will patrol the area and keep an eye out, but beyond that, little can be done.

Most departments have ANPR vehicles that drive around all day scanning licence plates though, so there's that.
 
so who can I go to if I don't think my claims are being handled fairly and efficiently? It seems like every time I call or every step being taken takes 3 or 4 days, while I'm burning through the rental car money
 
GreyGhost said:
I thought if your car is broken into and things are stolen, your home insurance covers the contents of your car.

Did daisoman get lucky with SF covering contents, are things different when the whole vehicle is stolen, or was I just wrong with how I thought things work?
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I'm not sure. I was under my parents insurance which was statefarm with both car and home. All I know is my parents got 1 cheque for the total loss
 
kellen said:
so who can I go to if I don't think my claims are being handled fairly and efficiently? It seems like every time I call or every step being taken takes 3 or 4 days, while I'm burning through the rental car money
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Isn't there an insurance ombudsman for each company and then an industry ombudsman above that? I thought one of the adjusters on here had previously posted escalation steps (although it may have been destroyed in the purge). I would start by calling your company and asking for the ombudsman and see if that helps things along.

Not the one I was thinking of, but a good read:

http://www.gtamotorcycle.com/vbforu...-Claims-Process&highlight=insurance+ombudsman

If You Have a Complaint

If you are not satisfied with how your claim is being handled, there are steps you can take. Improved measures have been put in place to help consumers get their insurance complaints resolved more quickly. Among them is the establishment of a Complaint-Handling Protocol by all insurance companies licensed to operate in Ontario . How the complaint process works varies from company to company. Your company representative (agent, broker, claims adjuster, or customer service representative) will be able to provide you with specific information about the procedures to follow should you have a complaint.

In addition, each company has a Consumer Complaint Officer who oversees the complaint-handling process. The Consumer Complaint Officer is an employee of your insurance company responsible for ensuring that your complaint is addressed. If you are unable to obtain information about the protocol from your company representative, or if you are having difficulty obtaining a response outlining your company's position, then you should contact your company's Consumer Complaint Officer.

For your convenience, FSCO has compiled a list of all company Consumer Complaint Officers. This list is available on-line at: www.fsco.gov.on.ca. If you are unable to find the name of your company's Consumer Complaint Officer on this list, you should direct your complaint directly to the Chief Executive Officer of your insurance company, or contact FSCO at: (416) 250-7250, Toll-free: 1-800-668-0128.

If you are unable to resolve your complaint with your insurance company, your company is obligated to provide you with a letter stating its final position on your complaint. The company's Consumer Complaint Officer will ensure that you receive a letter stating the company's final position, as well as providing you with the name and details of an independent Ombudsman organization that can review the complaint if you still do not agree with the company's final position.

If you decide to write to the independent Ombudsman organization referred to in your company's final position letter, make sure to describe your complaint and why you disagree with the company's position. Remember to include your company's letter and any documentation that relates to your complaint.

Upon receipt of your unresolved complaint, a Complaint Officer at the independent Ombudsman organization will review and respond to your complaint.
 
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You can also request to speak with the Manager of the adjuster. If that does not help the situation, the company ombudsman is the next step.
 
When it happened to me, the van was found the next week with no ignition switch and some other damage around the door lock, and the rear seats missing. There was also a large rock in between the seats, so I suspect they had used the vehicle for robbing houses or businesses and then stole another one after a few days. The kicker was when I picked up the van from the tow place, and returned the rental, the Insurance company wouldn't cover me for theft until I got the ignition fixed. It took a couple of days of getting quotes etc. all of which I wasn't covered. I had to use the van to get the quotes, so the body shops could assess the damge. Catch-22. Luckily it wasn't stolen again during that time.
 
I had the same car stolen twice.....lucky me eh?

My last vehicle was written off, but by the time they determined that it was a writeoff it was about 2 weeks later. They wanted to cut me a cheque on thursday and me give rental back by monday. I argued they hadn't given me enough time (I can't buy a car in two working days). They extended the rental.
 
daisoman said:
Same deal happened to my civic 5 years ago. Statefarm have me a rental the same day and let me keep it until n they cut me a cheque, which was 30 days later.

I gave them a list of mods on the car with pictures and receipts and also a knife kit I had for school(culinary). They paid me a depreciation value on them. iirc it was like 50% of the purchase price.
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Did you inform them of the mods beforehand? If not I'm surprised they didn't use the mods as an excuse to refuse the coverage completely for non-disclosure. At least that's what they told me would happen if I so much as lowered something without telling them. At the least I would expect them to not cover the mods since you generally have to pay extra for things like high end stereo equipment and whatnot.
 
No I didn't tell them about the mods. But recently I got a quote from co operators and when I told the guy about my 19" rims he said they will not cover me. I guess I lucked out
 
They really messed it up

Sent from my phone using my paws
 
That's what insurance is for, no big deal.
 
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