Vinyl Me Please (store, exclusives, swaps, etc)

Joe Mac said:
Huh? I sold policies and later handled claims for a big insurer back in my youth (horrible job, wouldn’t recommend, paid for rent and booze in early 20s) and all unlocked cars/people have left keys in the car was an absolute exclusion. You’d have a pattern of thefts and then very despondent policy holders every winter from people turning the engine over to warm the car for a few minutes while they finished getting ready.

Unlocked doors/window on household and unlocked doors and key left in cars has been an exclusion in every policy I’ve bought too.
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That is not the case in the US. Stolen is stolen. Your insurance will cover the theft (as long as you have Comprehensive coverage).
 
Joe Mac said:
Oh wow! That’s commonly referred to as the insurance company not insuring against you being an idiot over here 😂

There has to be signs of forced entry for both or starting of the car for motor.
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Comp coverage is more of a “premium” type coverage. Drivers not legally required to carry it. Most folks carry it while their car is still being paid off or fairly new. It only covers theft in relation to the automobile though, not non-auto related items. So if you had a laptop in your bag and you bag was stolen out the back (locked or unlocked) your Comp policy would not cover your loss. You could file a claim under your homeowners or renters policy and the theft would be covered but most of the time it isn’t worth it because of the way those policies are structured but yeah, the car itself, locked or unlocked you comp policy would cover the loss.
 
TenderLovingKiller® said:
Comp coverage is more of a “premium” type coverage not not legally required. Most folks carry it while their car is still being paid off or fairly new. It only covers theft in relation to the automobile though, not non-auto related items. So if you had a laptop in your bag and you bag was stolen out the back (locked or unlocked) your Comp policy would not cover your loss. You could file a claim under your homeowners or renters policy and the theft would be covered but most of the time it isn’t worth it because of the way those policies are structured but yeah, the car itself, locked or unlocked you comp policy would cover the loss.
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Yeah we have comprehensive here too. Basically we have three levels: Third Party - Just the other car. Third Party + Fire/Theft and then Comprehensive which the adds cover your own car in an accident and often gets breakdown and windscreen cover bundled in.

It doesn’t ever extend to that lol!
 
Joe Mac said:
Yeah we have comprehensive here too. Basically we have three levels: Third Party - Just the other car. Third Party + Fire/Theft and then Comprehensive which the adds cover your own car in an accident and often gets breakdown and windscreen cover bundled in.

It doesn’t ever extend to that lol!
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Our main coverages are Liability (which is probably equivalent to your 3rd policy coverage) most states require some form of Liability coverage (though the amounts vary wildly, liability cover any property damage/bodily injury that you are liable for up to the policy limits but doesn’t extend to damage to your own property.

Then there is Collision coverage which is not typically required by law; it covers any damage to the policyholders vehicle caused by a Collision regardless of fault.

Comprehensive coverage covers most loses not covered by collision coverage (Fire/Theft/Vandalism/Hail/windshield damage) strangely enough Comp coverage covers a deer hit which seems like a collision but is deemed “an act of God”. Usually the Comp deductible is less than Collision meaning if you hit the deer you end up paying $100 out of pocket deductible whereas if you swerve to miss the deer and instead hit a tree you may end up paying a $500 deductible and have to cover the cost of the damaged tree.
 
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