Stolen Truck
Log:
Tuesday,
October 13, 2015
It was a brisk October morning. I was dressed
and ready to head off to work. I opened up the garage door only to find, or
rather not find, my truck. I know I parked right outside the garage, didn’t I?
I walked outside because just maybe I’d parked it out in front of the house
because I had hauled a trailer the day before. Nope… not in front of the house.
Hmmmm…. Was it at the office? No, because I had to pick up Donna’s car to go
pick her up at the airport so yes, the truck was at here, at my house last night
before I went to bed. Right?
I headed
back inside to tell Donna, “My truck isn’t outside”, with the hopes of her
telling me, “You left it at the office,” or anywhere but outside the house.
Donna replied with exactly what I didn’t want her to reply with, “WHAT?!” So
she gets on the phone to call the police and I head back out because just maybe
I didn’t see it. Nope. Still gone so I waited for the police to arrive to take
the report and went back inside and to wait on Donna to hitch a ride with her to
the office.
Later that
afternoon:
While the
search for my truck started, I now had a list of things to take care of:
1. Call claims and figure out what the
steps are for a stolen vehicle.
2. Changing locks for keys that were in
the truck.
3. Figure out what items in the truck
were covered under what type of insurance:
Auto, Homeowners, Business,
Umbrella, GAP?
4. Was it worth a claim based on what was
in the truck?
5. Sit and wait to see if the truck is recovered.
Most important was my family! After someone
steals a vehicle off of your property there is a feeling of being violated and
not feeling safe anymore. It’s horrible
to see them like that, so you bet precautions have been put in place now!
Tuesday,
October 20, 2015
Still no
sign of the truck. The search continues…
We started
the process of evaluating the truck value and processing paperwork for the
insurance company to pay me for the truck.
And now the
search for a replacement starts............
UPDATE:
Monday, November 2, 2015
The truck
has been found!!! The plates had been changed but it still had a particular
sticker that I had made, and only a handful of people had that same sticker.
Oh, and it was found in the Fort Worth area!!! You would think that if you’re
going to steal someone’s truck, you might take the stickers off and NOT drive
it in the same area that it was stolen from? Just thought…
Since
Farmers Insurance had already paid for the truck, they take possession of the
recovered vehicle and sell it off to help recoup the expense of what they paid
for the vehicle when it was considered a total loss.
Do you leave
things in your vehicle? If it were to be stolen, how much trouble, time, and
money will it take to replace those items? Besides you, will other people be
affected? Will everything be covered under my current auto insurance?
Homeowners? Business Insurance? My Umbrella policy? All or none of the above?
These are all things we may not automatically think about if our vehicle were
to be stolen. Let’s set up a Farmers Friendly Review and look over your policy
to make sure it is still the right fit for you.
Most people
think personal belongings in the vehicle are covered under their auto
insurance but that isn't the case. Auto insurance covers only those things
that belong as part of the auto. Your personal belongings are covered under
most homeowners/renters policies as personal property off premise (and subject
to limitations). For most people that means that the deductible could be high
enough that claiming the stolen items inside the vehicle doesn't meet or barely
meets the amount of their deductible. That's if the items belong to the person.
If a business owns them then there could be even different issues. Is it worth
it?
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