Upload & Sell: Off
| p.1 #14 · Worth filing an insurance claim? |
D. Diggler wrote:
who are you guys using? That's crazy!! I use state farm and no deductibles.
State Farm BUSINESS POLICY?
I have that and personal article policy which is super cheap. no deductibles, and if my camera gets stollen, broken, anywhere in the planet, they'll reimburse me w/out any question. I just use the business policy for the libiality purpose. So basically I have 2 policies
I use State Farm also, and not only did I just find out that 1/2 of my equipment isn't covered because they never added it, but I had to go back and forth with them for over a month to make sure that they understood that this was a business. They kept putting me on a personal articles policy. After I told them a third time this was for a business, and that if I was found out to be doing business under a personal articles policy, they'd deny my claim, THEN they figured it out. Why I had to do their job for them, I'll never know, but check your policy closely and the paperwork they give you. My local office is friendly as all get out, but a little dumb when it came to getting me a business policy.
Can you imagine going to filing a claim for $30k because all your gear got stolen, and then finding out that they screwed up and you weren't covered? Needless to say that would be your fault, despite paying them for their "expertise" in insurance.
I hear what you're saying, that's not "State Farm's" fault. That's your agent. Fire them and find an agent that knows what they're doing.