syphen wrote:rg02, its not worth being robbed twice.. once by a petty thief and a second time by an insurance company. I'm not going to claim it because even if I get a couple hundred dollars back, it will simply be recouped by them after they raise my premium during the next renewal.
I feel for you. Not only is it inconvenient, it makes you feel violated. I don't know if this will apply to you because it surprised me. I was in a comany car out of town. At night while in my hotel the car was broken into. They got lots of company stuff and my stuff also.
I was able to claim my stuff on my homeowners
policy. I had no idea that was possible. Anyway it didn't effect my auto premiums.

Also, the $ value was far above my deductable. Of course that's essential before even considering a claim.
My personal car was stolen from when I was very young. Mainly lost wallet and cash. I was really more upset abut having to to get a new wallet, driver's license and other in-wallet essentials. Had no credit cards yet. I was smarter and had more money when I was young. I think I had more money
because I didn't have credit cards.

The only thing they left was my medication. I was grateful. Maybe they felt I would need that to calm myself. Maybe they didn't know what it was for.
Jack