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car stolen: need ins advice quick
my new Subie was stolen last night from outside my apartment. Only complication is that the insurance is in my wife's and my name at the house. We are still legally married, and in the same zip code. Will the ins company give me a hard time? Seems like it shouldn't matter where the car was stolen...it could be parked anywhere. I could say I was staying at a friend's place...
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08-16-2005, 08:57 AM
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Join Date: Aug 2005
Posts: 98
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who's name is the subie insured under?
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08-16-2005, 09:01 AM
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mine and my wife's
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08-16-2005, 09:05 AM
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Ok, so what's the issue? Because you're both not 'together' ie: relationship on the rocks? -if so, it's irrelevant. It's in both your names, you pay your bills yeah? Go ahead, call the insurance. In fact, if you DON'T do it within a specified time , they could forefit your policy.......read your terms and aggreement..........
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08-16-2005, 09:09 AM
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Cars & Coffee Killer
Join Date: Sep 2004
Location: State of Failure
Posts: 32,246
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I don't think that it would be an issue. I mean, what if it was stolen outside a restaurant?
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Some Porsches long ago...then a wankle... 5 liters of VVT fury now -Chris "There is freedom in risk, just as there is oppression in security." |
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08-16-2005, 09:11 AM
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I don't think the location of the car would be a problem.
Which insurance company do you use? I think it would be best to be 100% honest, otherwise you'll be trying to stick to some story... A theft would be the type of thing they're going to spend more time investigating, so if you say you were just staying there overnight, then find out that you live there, or whatever... it could open you up to some technicallity. I'm not a lawyer, not an insurance guy, but I can imagine crazy things happening if you aren't honest. You're the victim here.
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1983 944 - Sable Brown Metallic / Saratoga / LSD : IceShark Light Kit |
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08-16-2005, 09:13 AM
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in a just world, it should be irrelevant. But we're talking about an insurance company
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08-16-2005, 09:13 AM
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Join Date: Apr 2001
Location: Linn County, Oregon
Posts: 48,568
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Whew! Glad to know it was "only" a Subie...Did you bother to call the cops? In Portland, they don't even stop by if a car is stolen, the just take a report over the phone.
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"Now, to put a water-cooled engine in the rear and to have a radiator in the front, that's not very intelligent." -Ferry Porsche (PANO, Oct. '73) (I, Paul D. have loved this quote since 1973. It will remain as long as I post here.) |
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08-16-2005, 09:14 AM
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Quote:
Called the police, they took the vin and my name. Not even my phone number. Said to call back after 6pm and maybe they could get to it then. |
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08-16-2005, 09:22 AM
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^^^ what he said
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08-16-2005, 09:23 AM
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well, I think Bryan is right (holy crap, I didn't just say that, did I?!?). If I try and fabricate a story it will end up a nightmare. Seems to me that a person can have more than one residence, and if they are in the same zip code it shouldn't make a difference in rates. And since my name is still on the deed for the house it is still a legal residence for me.
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08-16-2005, 09:29 AM
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Join Date: Apr 2001
Location: Linn County, Oregon
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Quote:
If this is a general car insurance policy, like with allstate, state farm, etc. I believe it should be covered no matter where parked. But definitely...read the policy. That will at least give you some background info when talking to the company's adjustors.
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"Now, to put a water-cooled engine in the rear and to have a radiator in the front, that's not very intelligent." -Ferry Porsche (PANO, Oct. '73) (I, Paul D. have loved this quote since 1973. It will remain as long as I post here.) |
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08-16-2005, 09:30 AM
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I'm off the hook.....
Join Date: Oct 2001
Location: 22 miles south, then 11 miles west of LAS
Posts: 2,895
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Sorry to hear about the loss. Most of the time they asked you when you took out the policy where the car is 'garaged' or if it is? Even so, it is all rated by zip code, so it shouldn't make any difference, since it was taken from the same zip as your house. keep us posted. For those of us here in the south bay, what color and model? License number?
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No, I don't sing. Based there for too long. |
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08-16-2005, 09:33 AM
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Cars & Coffee Killer
Join Date: Sep 2004
Location: State of Failure
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Quote:
My 944S caught on fire when I was driving it. A fuel fire right after I changed the fuel injector seals and replaced an injector. From what I can tell, the fire originated from a the fuel line leading to the fuel rail, and not at one of the injectors. My theory is that the line started to crack when I moved it, and blew open while I was driving. Still, I told everything to the insurance company, they totalled my car and paid me full value. They also didn't bother ordering an investigation and instead decided to rely on my explanation.
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Some Porsches long ago...then a wankle... 5 liters of VVT fury now -Chris "There is freedom in risk, just as there is oppression in security." |
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08-16-2005, 09:34 AM
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Cars & Coffee Killer
Join Date: Sep 2004
Location: State of Failure
Posts: 32,246
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Also, don't be afraid to call your agent (unless you have GEICO) with questions, that is what they are there for.
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Some Porsches long ago...then a wankle... 5 liters of VVT fury now -Chris "There is freedom in risk, just as there is oppression in security." |
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08-16-2005, 09:35 AM
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ha...I have GEICO. Pray for me.
silver Subie Impreza 2.5RS Wagon. I think the plates are 5MJB917. I know the MJB part is right. |
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08-16-2005, 09:41 AM
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Did u have Lojack installed or any other theft deterrent devices? I figured with all the electronics in cars these days that they should be quite difficult to steal especially Subaru. Sorry for your loss, hopefully they will catch the perps.
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Modes of Transportation: 1984 Porsche 911 Targa 2003 VW Jetta GLI Last edited by 84porsche; 08-16-2005 at 10:19 AM.. |
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08-16-2005, 10:17 AM
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Double Trouble
Join Date: Nov 2002
Location: North of Pittsburgh
Posts: 11,705
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Just report it stolen and the address it was stolen from. Don't volunteer any more than that. File a police report. Most companies will wait 30 days before they pay out. Then the argument can begin between you and your sounds like soon to be ex. The biggest problem I see here is who's name is on the payoff check.
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I used to be addicted to the hokey pokey..........but I turned myself around.. 75 914 1.8 2010 Cayenne base Last edited by targa911S; 08-16-2005 at 10:43 AM.. |
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08-16-2005, 10:38 AM
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A Man of Wealth and Taste
Join Date: Dec 2002
Location: Out there somewhere beyond the doors of perception
Posts: 51,063
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Hmmmm it just so happens that I know of a Brit Ltd that puts anti theft devices into cars much like Lojac except ...what it does is kills the electrical system so the car is rendered inoperable....
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Copyright "Some Observer" |
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08-16-2005, 10:43 AM
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A Man of Wealth and Taste
Join Date: Dec 2002
Location: Out there somewhere beyond the doors of perception
Posts: 51,063
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Ahhhhh..U pay the bill every month don't you....the policy doesn't say where you can drive or not drive and/or park does it....then they owe U the money...
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Copyright "Some Observer" |
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08-16-2005, 10:45 AM
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1979 Porsche 911SC 3.0
1983 Porsche 944 2.5 NA
1984 Porsche 911 Carrera Targa 3.2 L
