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DPChallenge Forums >> Hardware and Software >> $#@* Thieves
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Showing posts 26 - 46 of 46, (reverse)
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 03/09/2006 05:44:34 PM · #26
I have mine through my homeowner's insurance. Before I owned, I had it added to my renter's insurance.

drake
 03/09/2006 06:10:07 PM · #27
I have mine insured with State Farm - that is who does ALL of our insurance. I know that it's not that much at all, but it's on it's own policy. Even if I brake it, it can be replaced!
 03/09/2006 06:27:17 PM · #28
So it's better to take a special insurance for the photo stuff?
Why? Because they calculate the refund basing themselves on the total of what is insured?

Sorry, but I'm a 20 years old student lol, so I'm still a rookie with all these things ;)
 03/09/2006 06:28:32 PM · #29
They calculate it based on replacement value.
 03/09/2006 06:29:59 PM · #30
Ok but then why take a separate insurance policy for the cam?
 03/09/2006 06:33:18 PM · #31
um... sorry you cam got stolen but why would you leave that much 'money' in your car? Also, why would you leave your camera in the car beside how much it costs? Not very good you for 'precious'.

I know... you hate me for saying so but I said so. sorry
 03/09/2006 07:12:05 PM · #32
Originally posted by Smasher:
Ok but then why take a separate insurance policy for the cam?


It depends on your insurance company but yes most of the time it will be a seperate policy or rider attached to a policy you already have.

You will need to call around and get quotes or if you Check out This thread you will see another alternative.

Edit: Spelling

Message edited by author 2006-03-09 19:14:37.
 03/09/2006 07:38:48 PM · #33
Thanks but it's too expensive for me :(, I guess I'll check out what my actual insurance can do about it :)
 03/10/2006 11:48:28 PM · #34
Bummer about the theft... but I hope you can get things back on insurance.

If you have expensive camera gear, I always recommend getting it listed on your insurance policy in such a way that it is covered outside the house. In my case this is part of my home contents policy, there's an extra section called "Extra Cover - Personal Valuables" which covers items outside the house.

The premiums might seem a lot, but they're a lot smaller than replacing camera gear, given that the replacement cost of a camera-bag full of gear could be several thousand dollars.
03/11/2006 09:05:02 AM · #35
Well, I guess my lesson was learned ... I'll be taking it out of the car from now on. On the bright side, I got to go "shopping" and create a big ol "Wish List" then buy the whole thing at one time - never done that before. Standard homeowners insurance will be covering the loss with the deductible. Another lesson - I'll be getting a rider policy just for the camera equipment. I hope you all benefit from my loss (get a rider policy now).
 03/11/2006 09:13:40 AM · #36
First had to go and check where you live - always nice to see we are not the only country battling with crime. It has been 6 months since I got robbed - My house was cleaned out 3 times in the past 3 years.
Luckily my camera equipment was with me each time.
I know how you feel - Luckily we are used to it by now - everyday you see and hear about robberies. Every now and then the thieves would jump my fence trying to run from the cops - My dog loves this - MAJOR PLAYTIME for him. He caught two already - GOOD DOG.

Around here you hear more and more of people taking the law into their own hands and I must say that I will do the same. I will shoot anybody that comes close to my family.
 04/27/2006 02:50:40 AM · #37
yeah, about a year or so ago, some punk kids broke into our apartment and stole all my bf's camera equipment, including 10d and a ton of lenses and accesories, not to mention everything else in our place we had worked hard for. they also vandalized everything and used spraypaint which made it impossible for the police to get fingerprints.. it was hard to sleep at night there for a while, but we were SOOOO lucky we had just let the AAA lady talk us into a renter's insurance policy because it gave us a discount on car insurance... and then she talked us into upgrading to replacement value instead of actual value assessment, but I really wish we had gone for the 30K coverage instead of 15K, seems like a lot of money until you start spending it. They were awesome and so helpful. they turn the case over to national vender who has you make a wishlist and buys the stuff for you, up to your limit, no questions asked... I suggest doing a thorough listing of what you have and how much it would cost to replace it all, also if you get a lot of coverage, they require someone to come to your home for an appraisal... which is good

but yeah, that is such a sucky feeling in the pit of your stomach when you realize that it really happened, your stuff is really gone. I can definitely empathize with you.
 04/27/2006 03:20:25 AM · #38
Originally posted by sabphoto:
your home owners insurance covers that? I thought it would be out of your car insurance...well I guess unless you don't have that coverage on it...just wondering for future knowledge if anyone can advise.


Yes, auto insurance is insurance for just the car and any damage you may do to another's property and/or person. All of your property, aside from your car of course, is covered under your renter's/homeowner's insurance.
 04/27/2006 03:48:11 AM · #39
Originally posted by crayon:
Originally posted by jpochard:
Sorry to hear about that. Lousy luck. Do you have serial numbers and such to perhaps check around at local pawn shops?


if you find it in a pawn shop, can we get it back for free?


In canada i believe you can.

I had a bunch of cd's stolen once. I was living in canada and one of the cd's was from norway so it was rather rare in canada. I called around asking pawn shops if they had any cd's from that artist. After a few calls one did. I went there.. and yep they were my cd's. i went to the police, they siezed the cd's and gave them to me and charged the guy who delievered them to the pawn shop.
 04/27/2006 05:01:35 AM · #40
Originally posted by leaf:
Originally posted by crayon:
Originally posted by jpochard:
Sorry to hear about that. Lousy luck. Do you have serial numbers and such to perhaps check around at local pawn shops?


if you find it in a pawn shop, can we get it back for free?


In canada i believe you can.

I had a bunch of cd's stolen once. I was living in canada and one of the cd's was from norway so it was rather rare in canada. I called around asking pawn shops if they had any cd's from that artist. After a few calls one did. I went there.. and yep they were my cd's. i went to the police, they siezed the cd's and gave them to me and charged the guy who delievered them to the pawn shop.

It is similar here in the US, but with a slight twist. Years ago, I worked for a few months in a pawn shop, where we had to deal with this sort of thing. Bottom line, the property belongs to the person who paid for it and can show ownership -- if you can produce serial numbers or other such means of identification the pawn shop owner has no choice but to turn it over to you. However, if the pawn shop owner can show due diligence in ensuring he is not voluntarily trafficing in stolen goods, that pawn shop owner is entitled to just compensation (ie, what he can show he paid for it). To ensure this was the case, the owner of the pawn shop I worked at voluntarily compiled and turned over to the police and weekly list of the serial numbers of all items pawned during that week.

I don't know the details of the law or how it works, but that was what I observed happening and the rational I was given for the time spent compiling lists of serial numbers.

David
 04/27/2006 06:53:20 AM · #41
I frequently leave my camera in my car, but I always cover it up. That way I always have it with me. I hate to say it, but it's also often safer in the car than in the house or inside my work place. People always have this need to touch things that don't belong to them, and they aren't always particularly careful. It really seems to me that a lot of the problems I have with my Olympus started around the time I let my brother borrow my camera for a school project. He then let his girlfriend's brother mess around with the camera. The thing that was most obvious was that the guy changed all the settings, but God only knows what else he did to it.

Now, I might stop leaving it in the car as it starts to get hot out/I get my 30D. I can't imagine extreme heat would be good for my baby.
 04/27/2006 08:10:41 AM · #42
If it is your time it is your time; just make this your muse and becomes stronger.

A few years back we played a show in New Haven, CT, and afterward we went to nightclubs and my friend had all of my gear in his car.. two amps and guitar, $1500+...

When he got back, someone had smashed his windows with a full 1.75l Absolut bottle. I got $400 off my friends parents homeowners. I ended up buying a pretty nice used tele, and a few years later I managed some more gear and a vox amp..etc...

you'll get better and different stuff than before, adn be a better photographer for it. Embrace the change.

Look on the bright side, they didn't steal your car.

04/27/2006 09:10:18 AM · #43
I'm now planning on getting one of these Pacsafe and then lock my camera bag to the car. Even with the best insurance it is a pain to deal with the claim and replace your stuff. Not to mention any lost images.

04/27/2006 09:33:23 AM · #44
Originally posted by blindjustice:
Look on the bright side, they didn't steal your car.


Actually, in my case, if they stole either of my cars I'd be happier than if they stole my camera. *lol*
 04/27/2006 11:14:37 AM · #45
Originally posted by theSaj:
Originally posted by blindjustice:
Look on the bright side, they didn't steal your car.


Actually, in my case, if they stole either of my cars I'd be happier than if they stole my camera. *lol*


As someone who has had their car stolen, stripped for parts and then burned, I doubt it.

While you will be rid of whatever jalopy it is that you drive now, you can be sure of 2 things: The insurance company will screw you on paying you what your car is worth and unless you are at home when it happens, you will be stranded somewhere.
04/27/2006 12:31:09 PM · #46
Sorry to hear about everything...I am sure in the long run you will be happier with your new equitment :-)

As for me I try not to keep my equitment in my car. Mostly because I don't want it to endure the heat that can occur in the car. But also because of theft. When I do leave it in the car I always put it in the trunk and lock the trunk. For my car you can lock the folding down seats too so the only way to get to it would to be take a crow bar to the trunk lid or cut a hole in the seats. And I doubt many theifts would take that much time while the car alarm is going off (motion sensors in the cabin and trunk...gota love audi). But even if your car does not have these safty features it may still be a good idea because it keeps it out of sight. And offten a theif will not look through the trunk.

Good luck with everything :-)
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