Wicker, MattB and several others paid out beautifully why choice in having a $500 deductible. I believe I spent about $1000 in the last 12 months on Canon CPS stuff alone. Dollar for dollar, it'd been unwise to make a claim on every $100-$300 bust. I've just counted it as a cost of doing business. I've viewed the thing with US Airways the same way. The difference was that neither me nor my insurance should have forked up the $$. **shrugs**
"Oh and the question of if my equipment got stolen at a wedding. Wouldn't happen.........."
JazzyMac... I highly recommend you go talk to a real agent. In person. Whatever you have now does not adequately cover you, I guarantee it. I am not making a point here, I am sincerely giving you a warning that you NEED to look into your insurance policy to make sure you are truly covered.
I thought I was covered with my Hartford policy a while back which I got through USAA. Turned out it only covered the gear in my home, and only for personal use. If it's used outside the home or for business, it's not covered at all. And if you -ever- use your equipment for business they'll try to fight the case if it's a significant claim and you're saying it was only for personal use when the -whatever- happened. I also had no insurance for liability or E&O whatsoever. And my vehicle coverage wasn't good enough either, considering that I use it for business.
For not a huge amount more money than I was spending before, I changed policies for my home, my car, all my gear, etc... now I have much better coverage which actually protects me.
Do yourself a favor and go talk to an agent. Immediately.
As far as when to make a claim, you really shouldn't make a claim unless it's $1,000+ honestly.
JazzyMac wrote:
.....if my equipment got stolen at a wedding. Wouldn't happen, since I'm safe with my stuff (always with me no matter what or in the car, locked). But your question would be like saying, if a teenage babysitter needed insurance, how would she be covered if she didn't have business insurance?
asimsoofi wrote:
I use a ThinkTank International v2.0 and will carry on every time. In the rare case where I'm taking more than what I can fit in there or know I will have to check-in due to a smaller plane connection, I pack the rest in a Pelican water tight hard case. Both bags are indestructible for their intended uses.
The price for any of the above is cheaper than any migraine or having to deal with disgruntled airline employees who have nothing to lose but the faith of passengers.
I've been using a 1510 case for some time now, and I am really pleased with it. It's small enough to remain portable, but big enough to hold nearly everything I need.
