>RE: stolem mobile gear and insurance Reply
by K0BG on July 20, 2005 Mail this to a friend!
The $11 for the extra coverage is is VERY high. All I had to do is tell them I had radio gear in the car, and that was all there was to it. BTW, I had mentioned this in an article I wrote several months ago.
There is another part of the equation. What ever you install, you must do so permanently.
Alan, KØBG www.k0bg.com
::I think there are a few factors at work here. If you have a comprehensive auto insurance policy, read it carefully. Most, such as my own policy, cover anything that's part of the vehicle, even aftermarket accessories including radio equipment, and no specific list of such items has to be provided to the insurance carrier. Homeowner insurance, on the other hand, will often cover items that are simply "stored" in the vehicle for the purpose of transporting them from one place to another, and those need not be installed at all -- in fact, they shouldn't be, for if they are installed, then they're part of the vehicle. A rig sitting in the trunk of the car is the same as a fur coat in the trunk of the car: It's just there because it was being transported, and is covered under homeowner's insurance.
::Of course, it helps a lot to have receipts to prove the purchase of such goods and establish their original and replacement value.