I've had it. Wednesday I came home from work sick with the flu and pretty much crawled straight into bed. Friday when I had enough energy to get up to the drug store I found that another low life scum sucking piece of animal waste had smashed his way into my Truck. The loser took my tools, laptop even my glasses but the damage he did to the interior is beyond reason. This idiot ripped the console completely to pieces, used a tire iron or something like it to force the glove box open. Pried the stereo out of the dash and ripped the speakers out of the headliner destroying it also. he also got my Autometer Tach including the top half of the steering column and cut the wire harness so I can't even use the darn truck until I patch it up. I'm so mad I could spit but I might barf instead . The police took the info over the phone gave me a file # my auto insurance agent told me $300.00 deductable on glass and another $300.00 for interior damage. Forget the aftermarket stereo, tach & speakers; they won't even consider fixing the interior damage. According to the estimator over $2000.00 damage to interior, truck is now a write off. Insurance Co. doesn't cover aftermarket additions or any interior goods.
This means that I've been paying $2034.00 to the Gov't monopolty Insurance Corp per year for 20 years, to protect me from nothing. Instead I protected you guys from the accident I never caused. Insurance "The Original Confidence Ripoff"!!!
With absolutley no apologies to insurance people everywhere! Very Sincerely, JK

 

Ahh, another perfectly good company made to help the consumer and doing barely anything. Send a letter to the CEO and congratulate him/her for being the genius who helped scam the public so that they could have another billion dollar mansion somewhere.

The "mob"...the originators of insurance. Only the old method was illegal... so they made another form of theft legal instead.

I'm a Republican and I believe in "for profit" companies, but there is a big difference between legalized theft and doing what is expected of them and paid highly for. There is no honor among thieves.

You have my deepest sympathy on your loss. I drove a 1955 Ford Panel, that was my dads and it was ripped off and also trashed to the max. Only difference was, I was a poor broke slob who built the truck over a period of years, working at barely above min. wage....and no insurance. ( Like they would have covered a truck that old anyway.)

 

I hear you, my truck got broken into about a month ago, I didn't either bother with the insurance just because it's too much of a pain.

Oh what I wouldnt of given to catch whoever it was in the act, I would of showed them exactly why it's a bad idea to steal from me.

 

This is the big reason I'm against the mandatory insurance rules as they currently exist. You're paying crime sindicate extorsion money for "protection" that most of us wouldn't need if it weren't for THEM anyway. Couple insurance companies and lawsuits and thats why everything is a mess.

 

im against insurance too. its stupid that im paying 1600 bucks a year for almost 2 years now yet ive never had to use it. there should be some sort of refund deal after the period if i dont get any tickets or in any wrecks.

 

I feel your pain, Oceanwave. Pay a lawyer $50 to write a letter to your insurance agent. They'll often move off the dime when you wave the legal guns (hope you kept your receipts).

One of my more enjoyable evenings in recent memory was spent hiding behind a fence with a friend waiting for a repeat offender to cross his property line. May have been the case of adult beverage, but we scared the bejeesus out of that drug addict (my friend was a power lifter at one time in his life, following his stint as an offensive lineman).

Bob

 

you cant trust anybody anymore not even your best friends 3 weeks ago my truck was sitting outside my dads shop, are town is very small 1,000 people max, anyway, i had my new ford floor mats stoll, brand new CD player and speakers stole, steering wheel cover, and plug wires off the engine, i didnt even contact my insurance company as it would do no good, come to find out a week ago one of my "use" to be so called best friend happen to have all that stuff in his truck, hmmmm wonder how that got there, i was so mad i walked up to his door knocked on it, he opened the door and i punched him in the face walked out to his truck got all my stuff back and left. seems you cant trust anybody anymore.

 

insurance is a scam that should be outlawed.people'd act more responsable, if they were held responsable.

I believe they have to cover any "permanent" additions to the interior, like your CD player, I'd ask a lawyer.

 

insurance is nice if u collect but if not its a joke. Health insurance comes in handy with a family.

 

Oceanwave
That just pisses me off reading it, It would make me want to take the tire iron and beat the criminals and the money sucking insurance people to a pulp. i feel for you man...nothing makes more angry the theft and vadalism, what a bunch of weak *** punks, cant make there own living so they hafta pawn the stuff you worked for, and that insurance company needs a boot up there ripp off greedy ***'s

 

Dont stop and settle for what they tellyou. I'd bet 9 times out of 10 if you had a lawyer call them and say " you owe ____ 2000 dollars or we see you in court on moday" They jump right on the ball and pay what they owe. Insurance companies will always try and pull a bunch of crap with you, because once in a while they'll get someone stupid who will believe it and settle. somthin llike that happened to us after the tornado. they owed us about 2000$ and made up some stupid excuse saying that they didnt have to pay. We had our lawyer call them and we had the check delivered to our door by noon that same day

 

Nice going Peter! I feel for you Oceanwave, try Peter's advice.

 

Sorry to hear about your loss. Items like tools and the laptop as well as the leather coat and countless CD's, which I'm sure were in there and are now gone, are normally kept in the home and therefore generally covered by homeowners insurance. I'd run those items past your homeowners insurance agent in hopes of getting results. As for the rest of the stuff, get out your policy and carefully read it, looking for exclusions/inclusions on the aftermarket equipment. If you've been wronged, notify the insurance company again or contact a lawyer as was mentioned.

I have a buddy that was having problems keeping stereos in his rig. I suggested that before he put in his next stereo that he go out and buy some of those double sided razor blades and a tube of superglue and glue a few razor blades to the back of the deck before installing it. After doing that he came out one morning a few months later to find his door ajar, blood all over the tranny hump , and his deck hanging from the dash. It just broke my heart (NOT) to hear about some thief cutting his fingers to the bone. It's been a few years now and that same deck is still in his rig. Nobody has messed with his rig since.

Make sure you take theft deterrant measures now, since the thief will assume you will have an insurance payout that results in your replacing the stuff with new stuff, thus giving him a chance for round two.

 

I've toyed with the idea of building an alarm with air horns IN the cab. bet that'd chase them away

 

Geez...what a pain.

That reminds me of one particular night, where a gang of kids stole every car stereo in about a 30 mile radius. They stole three of ours, broke the windows out of our cars, did a lot of damage that wasnt even necessary to getting the stereos.

So we called up the insurance people right after the police came. The insurance basically told us we're flat out of luck, and we have full coverage on all our vehicle.. They wouldnt even fix the broken windows. I was talking to this guy forever trying to figure out his reason for denying it, he said the actual cars weren't stolen so there wasnt anything they could do.

I got mad and just started asking what hypothetical situation they would actually reimburse us for, the guy couldnt even think of one.

Eventually our homeowners insurance actually covered the whole thing, we dropped our full coverage auto soon after.