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jesusq
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p.1 #1 · p.1 #1 · Equipment insurance


I recently had my car broken into and my equipment taken. Everything was in cases and nothing exposed but you can see the cases as I have a hatchback.

I have the general PPA equipment insurance. Upon making a claim, the claim was denied because they are now stating that it was my fault or negligence in my part for leaving the equipment in the car. That leaving the equipment is provoking a thwart.

My equipment was in two cases. Nothing exposed.

Is there a way to fight this?



May 03, 2017 at 07:25 PM
MRomine
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p.1 #2 · p.1 #2 · Equipment insurance


jesusq wrote:
I have the general PPA equipment insurance. Upon making a claim, the claim was denied because they are now stating that it was my fault or negligence in my part for leaving the equipment in the car. That leaving the equipment is provoking a thwart.


Have you tried speaking with PPA directly about your disappointment with the insurance that they offer?



May 03, 2017 at 07:51 PM
LeeSimms
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p.1 #3 · p.1 #3 · Equipment insurance


And your state insurance board.


May 03, 2017 at 08:29 PM
drew.bowser
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p.1 #4 · p.1 #4 · Equipment insurance


Questions. Do you have the FREE photo care or the Photocare PLUS by locton affinity?

Also, did they break into the car and damage the vehicle or were the doors unlocked?

These 2 things make a HUGE difference in claims. If the door was unlocked then it goes under mysterious disappearance and photo care doesn't cover it. If you have Photocare, then its not real insurance either...




May 04, 2017 at 12:21 AM
 

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glort
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p.1 #5 · p.1 #5 · Equipment insurance



Well known that a lot of companies automatically deny claims the first time they are lodged and only really look at them thereafter.
Not a Lawyer but I'd be looking at the policy seeing if there is anything that mentions leaving things in sight in the car. If there is not, a Lawyer would probably be able to get the claim over the line as there would be nothing for them to base a refusal on.

I am pedantic about leaving gear in the car. I can only remember doing it once as far back as I can recall, last year when interstate. Had too much with me to take into the shopping center and carry it around. I had checked out of the Hotel and was driving about 6 hours to the relatives so had no where to leave it.
Before I left the hotel carpark I half unloaded the car of all the jerrycans, tools and other bags and laid the back seats down which leaves a void and buried all the camera bags and gear under that then put the 150Kg of crap back on top.
Very much doubt any scumbag thief would spend the time and energy looking that far down especially when I took care to park the truck in the most conspicuous spot I could find with plenty of passing foot and vehicle traffic.

I also have a way of disabling the vehicle quickly and easily that while simple, would take more time than I think most low life scumbags are going to spend for a vehicle that does not present an attractive target.

I don't think cases are really much different to leaving the gear exposed. If they are camera type cases or something like pelicans, even the most wigged out junkie is going to be able to work out people don't spend money on decent cases to put shit in. They may not have known it was camera's but it would have been an odds on bet it was something worth while inside. I don't think there is any difference to visible cases and visible gear only that with a case the low life would find them easier to make off with everything.

A blanket over the top would have been easy and probably reduced the temptation a whole load.
Frankly I think you were very unwise and somewhat slack in not taking or having a blanket or something to cover the cases with. That would have been a quick, simple and practical way of reducing the threat substantially in my book.
There are also roller blinds you can get for that very reason. Pull them across the back so no one can see what or if there is anything under there. Subaru actually sell them as a security blind.
While the insurance may be legally ( or not) liable for the payout, I can see their POV. IF the gear was in expensive cases, really to my mind, bugger all difference if you had have left the gear exposed.

That's one reason I don't use brand name cases. I just bought a normal luggage roller case couple of months back and put MDF in it to make the thing more stiff and protect the gear and put padded dividers in it. Bit worried it still looks too good. Might had to give it a drag down a dirt road to make it look less pretty.

Mate suggest I hang a pair of Jocks out the side pocket and glue them in place to really deter attention. :0) Also looking for a motion alarm with remote so I can put it somewhere like a wedding or something and if it get tipped or tilted, I and everyone else around will know about it.

I keep a load of crap in the car, old jumpers, blanket etc for that very reason of Concealment. If I ever do have to leave anything in the car ( have things from time to time other than camera gear) I make sure it is all covered up and the car looks like crap. Mrs goes off at me about that but it's a means to an end.

The main thing is, I don't leave stuff in the car unless I really have to. I wouldn't leave $5 or 10K cash in it so WHF would I leave valuables worth the same or more or for that matter, anything -I- valued.

Many times I have driven past places I wanted to go in order to come home and leave stuff and then went back. I had a couple of tripods stolen about 20 years ago from my car which I thought no one would be interested in and having learnt my lesson, I don't leave ANYTHING in sight, bags or otherwise.

Anyway, Sounds like you need to very carefully read your policy especially for clauses of negligence and then consult professional legal help.
I Hope you get your payout because I know what a gutting feeling this is and also hope and learn that not everyone is honest and allow for that better in future so you don't have to go through this again.



May 04, 2017 at 01:06 AM
jesusq
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p.1 #6 · p.1 #6 · Equipment insurance


I have the basic which comes with the PPA membership. They broke my window and opened the door. I have a hatchback and the equipment was in cases on the back. All they were able to see are the black cases.

I made a police report and took pictures. I gave the police report all serials numbers also.

But the insurance are stating that it was negligence on my part for leaving the equipment on my car exposed.



May 04, 2017 at 03:38 PM
hardlyboring
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p.1 #7 · p.1 #7 · Equipment insurance


I don't know what to say about your situation now but give Hill and Usher a call.
They are great and the insurance is fantastic.



May 04, 2017 at 04:58 PM
glort
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p.1 #8 · p.1 #8 · Equipment insurance


jesusq wrote:
They broke my window and opened the door. I have a hatchback and the equipment was in cases on the back. All they were able to see are the black cases.

But the insurance are stating that it was negligence on my part for leaving the equipment on my car exposed.


I see their point.
Wether the gear was sitting on the seat or in cases makes no difference to me either. Either one is a valuable target.

As I said, People don't buy expensive cases to put worthless crap in and the cases themselves are worth a good quid even if they are empty. That makes them a potential target and the contents are the cream. Could have been sound or video gear, maybe musical instruments, surveying equipment or a whole load of electronics, jewellery or commercial samples which would all be of value and interest to a low life. If you go to the trouble of putting something in a case, it's because there is something in there valuable you want to protect. Even if they are completely empty, the scumbags still got something of value which is basically untraceable, would have good demand and therefore easily fencable.

Why did you leave the gear in there and for how long?

A blanket over the cases covering them up would have made all the difference and probably meant you still had them. Did they ask you if the cases were covered in any way or could be seen straight through the windows?

Have you read what your policy actually says on this?
If there is something that covers equipment being left in a vehicle unattended and Visible, then I don't think there's much point complaining about it when you contravened their policy.
I have little doubt that there could be a good argument made that the cases themselves were equipment because you would not have them for anything else other than carrying something specialised and were a part of what you used same as lighting or a tripod.

First thing I'd be buying now is a blind for your car but thinking VERY carefully about leaving the car unattended when you did have it in the vehicle would be a better course of action still.



May 05, 2017 at 09:06 AM







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