help someone PLEASE my car got broken into!

mx3precedia · Post by **mx3precedia** » July 17th, 2006, 9:42 pm

I need help! tips on how to deal with insurance! my car got broken into. amp and subs got stolen driver side window broken, the messed up thing is the car alarm didn't even go off. Ugh!!! anyone know what is the max for autopac to give you when this happens cause the two alone cost over a grand already. please HELP!!! any help will be great!

Hoodzy · Post by **Hoodzy** » July 17th, 2006, 11:27 pm

i would suggest talking to ur insurance broker they will have that information and the legal actual coverage of ur plan on hand....

u spelled precidia wrong

good luck

95 rs · Post by **95 rs** » July 18th, 2006, 9:33 am

its pretty much talk to the broker have the reciepts for the stereo equipment and see what they do.

Andrew_Pakula · Post by **Andrew_Pakula** » July 19th, 2006, 12:10 pm

I wouldn't even bother going to insurance to begin with over something like this, first of all your deductible is going to eat up a lot of the money you would get back and unless your system is crazy expensive its likely not even worth it to get a few bucks back, making a claim is going to affect your insurance later too as the Insurance companies will know that you like to keep expensive stereo equipment in your car and it will be seen to them as more of a risk to take you on.

mx3precedia · Post by **mx3precedia** » July 19th, 2006, 2:11 pm

well the amp and subs cost me a little over a grand so i think i will claim it.

Pallor · Post by **Pallor** » July 19th, 2006, 5:52 pm

Just a quick side note on insurance and liability, a lot of insurance companies will not cover loss of "after market" if you do not claim it with receipts to the insurance company. It basically ensures that you do not file a false claim in regards to goods that actually were not there.

So, just for future reference, you should probably make your insurance carriers aware of any substantial changes you make in your automobile and for how much, so that if something does happen you can get all the monetary benefits you are entitled to.

Also, if you tend to have equipment that would tempt thieves, do invest in a major alarm system or components that will not work outside of your vehicle. It is really a shame you have to protect your cars this much, but c'est la vie. (I have all my original parts in my car so Im pretty sure no one is going to want to steal them, except maybe some MX-3 enthusiast.)

Cheers and good luck.