Theft/Police Report

[KevC]

How do these work? What happens if it's something definitely your fault. Say you leave a highly valuable item on a dinner table and you go to the washroom, you come back it's gone (gasp... NO, really?)

Or say you just misplaced an item and you believe with all your heart somebody stole it?

Or does it have to be extremely obvious, as in break-in/forced entry?

[UrbanPoet]

How do these work? What happens if it's something definitely your fault. Say you leave a highly valuable item on a dinner table and you go to the washroom, you come back it's gone (gasp... NO, really?)

Or say you just misplaced an item and you believe with all your heart somebody stole it?

Or does it have to be extremely obvious, as in break-in/forced entry?

theyd ask you specificallly what happened.
then they will miserably fill out a report knowing it is a waste of time.
and youll never see your stuff again since there is NO way to really investigate it.
they'll put it in the back of the files. then if something is returned or seized in some sort of wharehouse full of stolen goods that is similar to your item theyll contact you.

[KevC]

theyd ask you specificallly what happened.
then they will miserably fill out a report knowing it is a waste of time.
and youll never see your stuff again since there is NO way to really investigate it.
they'll put it in the back of the files. then if something is returned or seized in some sort of wharehouse full of stolen goods that is similar to your item theyll contact you.

I'm not doubting the fact that it's very slim that you will see your stuff again, but insurance claims require police report...

[hagbard]

You've got to be careful with insurance claims, I've heard if you make more than two claims on your homeowners policy, they'll likely cut you off completely. And if you go to another company, they share the info and they won't give you insurance either. I'd only make a claim if its house sized (over a hundred grand).

[cozmo]

<-- exactly what the last poster said.

File a police report,but it won't help.

[chickenbones]

You've got to be careful with insurance claims, I've heard if you make more than two claims on your homeowners policy, they'll likely cut you off completely. And if you go to another company, they share the info and they won't give you insurance either. I'd only make a claim if its house sized (over a hundred grand).


Insurance company: GIVE US MONEY! But don't ever claim nothing or we cut you off!

[UrbanPoet]

well.. save teh claims for a disaster like a fire.

[Newt]

I don't have any experience with the insurance claims, but theft reports are important! Even if you wont get your stuff back, you can at least let the police know that there is somebody in your area who is stealing stuff! Chances are if everybody files a report, the police will be able to find a pattern quickly.

[devious9191]

I don't have any experience with the insurance claims, but theft reports are important! Even if you wont get your stuff back, you can at least let the police know that there is somebody in your area who is stealing stuff! Chances are if everybody files a report, the police will be able to find a pattern quickly.

He left something of value on a table in a restaurant and it was missing when he went back to get it.. Not sure what pattern you would expect the police to find. Unless it's very valuable, and insured.. no use wasting your time writing an essay on why you shouldn't leave valuable things unattended in public places.

[TrevorK]

My insurance company has a section on my policy that even if I "accidently" break something it will be covered.

I asked them if I dropped a plasma TV would they replace it, they said yes.


So yes, insurance can, provided your policy has the provisions, cover stupidity.