I think we need to do a spiritual cleansing. Between your car and that bonehead you took up with, you have had more than your share of bad luck. It's time for some good luck.
Good idea, exorcise some demons.
What do we need?
Hey, let's sacrifice Leroy. Couldn't hurt.
Doc, I hate you keep having bad luck. you're overdue for things to go your way. Hang in there.
Ok so my home owners deductible is $1000. Replacing the laptop and all the software I am sure is at least double that amount. But do I want to risk having my insurance go up?
Last night some cops in Chicago killed a mountain lion in Chicago. I'm not kidding. It probably was some moron's pet.
Anyways, the killing of such a magnificent creature is a sacrifice worthy to redeem Doc's horrible run of lousy luck.
Doc, I need you to get Leroy and take him over to Big Cat Country at the Zoo. Tell Leroy to go jump inside the pen and make noises like a kitty treat. That should complete the cycle.
On a related note, I think gyms must be the "hot" places for break ins. Thieves know that people will go to the gym before or after work, so chances are pretty high that they'll have laptop/purse/wallet, etc. in cars. Our gym has had numerous locker and car car thefts. It's so bad that I don't leave anything in my car and I don't take my purse or any ID because I'd have to put it in my locker. What ticks me off is that this has been going on for over a year, the gym is well aware yet they haven't done a thing to prevent it. We currently bring our own locks for the lockers....so it's easy for someone to go into the locker room and cut it off. The gym has been saying that they'll replace all locker doors with the type that has the built in locks (combo or key)....so far, nothing. I like our gym but for this major, major oversight......
lukethedrifter wrote:That really stinks. I hate to tell you this but your insurance company is not gonna pay for a laptop that you left in your car. They won't even pay for cd's.
Actually, you homeowners or your renter's insurance should pay for the laptop, even it was in your car.
lukethedrifter wrote:That really stinks. I hate to tell you this but your insurance company is not gonna pay for a laptop that you left in your car. They won't even pay for cd's.
Actually, you homeowners or your renter's insurance should pay for the laptop, even it was in your car.
phinstd wrote:Doc, without being a jerk, if this laptop was so important to you, why in the world would you leave it in the backseat and not in the trunk. Especially after this has happened to you once?
Anyway, sorry to hear this stuff keeps happening to you, my friend. I think life is cyclical, and right now you're going through a rough stretch. Things will get better, just keep your head up!
I know, I know...but I was only away from my car for 30 minutes though, and it was on the floorboard pushed halfway under the seat.
At least my deductible on the damage to my door is only $100. And the laptop was easily worth $2500, including the software I will need to buy to replace it, so I am checking with my homeowners, just to see.
Often times there is an internal limit in your policy for software and hardware, but hopefully your deductible will be low, and it will be worth your while to turn it in. One word of caution, having a theft loss on your homeowners policy is not a good thing, and would probably cost you more than the difference of your deductible and the money given to you. I might think about just eating it if I were you.
jimedmondsfan wrote:The guy who works for the insurance company tells you to eat the loss...hmmm...coincidence? LOL
I don't work for an insurance company, I work for a financial services company that owns insurance companies among other subsidiary endeavors. I have learned a lot of how it works though, and you sound like the hordes of people who think it is smart to turn in every claim. If you would like for me to do the math on how it would be worse for him in the long run, and how if he were to have another claim in the next six years he runs the risk of being non-renewed, and then having to pay for high risk home insurance, I could do so. Hopefully he has an insurance policy that returns a portion of his premium if he's claim free for a certain of time anyway. If he's not, he should look for a company that does.
But, since you seem to insinuate something about my integrity already, you probably wouldn't listen.
I'd just do the math, and think it over before turning in a theft claim that will probably net you $1,000 now Doc.
Phinstd is right on this. Any claim, regardless of size, is a signal to the insurer that your risk level might be higher than they priced, and may prompt them to raise premiums. Given that the price of laptops seems to continually fall, I think you'd be better just buying a new laptop and not worrying about the claim. You should only make a claim for truly costly events. I don't think a computer qualifies.
