Insurance question - Stolen tow vehicle

mobeewan wrote:

skipro3 wrote:

It took you 5 and a half days to drive 800 miles? What's that all about?

The OP uses the trailer for shows and events. They may have been at there location needing a vehicle to use around town during the event for hotel, dining, etc. They may have had other events on the road home. Maybe they hung around Dallas a few days hoping the police would find their vehicle. But why would it matter how long they took to get home anyway?

Yes, We had another stop to make in Kansas City. The rental rate included the 5 days so the cost was the same whether we drove straight home or not.
Dallas Police were the most cordial people in this whole deal. That said Common Wisdom was that it was in Mexico before sunrise.

Haven't even touched on the contents issue. Yes, I let my guard down and didn't bring everything that was in the van into the hotel room.

The business contents weren't covered and I knew that. Personal contents were covered...under our Homeowners policy which has Replacement Value Coverage. Awesome! I imagine it's the same for you in an RV.

The deductible there, though, is 1/2% of the policy value so in this case $2,100. Well we lost +-$2,500 so I could have seen maybe $400 if, that is, I could verify what was in the vehicle. Photos? Receipts? Do you have a receipt for that tablet you bought on Craigslist last year? No? Gosh that's a shame.

The beauty of covering vehicle contents this way is that you're pretty much guaranteed to not file a claim. High deductible aside there's the "Claim Ding". 3 claims in 8 years and you're dropped. You have to remember that if you file a claim and it's denied..it's still a claim ding. Among other things we live where a hail storm can cost you a roof. So for +-$400 you let it go. Score one for State Farm!