14 bucks a year for camera insurance! YES! I got a DEAL!
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From: Neil Harrington on 19 Jul 2010 13:38 tony cooper wrote: > On Sun, 18 Jul 2010 19:57:31 -0400, "Peter" > <peternew(a)nospamoptonline.net> wrote: > >> "Savageduck" <savageduck1@{REMOVESPAM}me.com> wrote in message >> news:2010071719334297157-savageduck1(a)REMOVESPAMmecom... >>> On 2010-07-17 17:40:05 -0700, "Peter" >>> <peternew(a)nospamoptonline.net> said: >>> >> >> >>>> You have illustrated the benefits of having a replacement value >>>> policy. The couple of bucks you paid was well worth it. >>> >>> Yup. I thought that by providing evidence of my experience others >>> might benefit. >>> I have nothing but good things to say about the way Allstate >>> handled my claim. >>> >>> There is the side benefit of making these purchases online. I had >>> complete documentation of all my transactions, the D300 + lens, the >>> BlackRapid strap, 16GB CF card, and Promote GPS. >>> Also, I took the time to report the theft to local police in Cape >>> Town, South Africa, and got a copy of the initial report and a >>> report from the assigned investigator. So if you ever find your >>> self in this situation, take a deep breath and get all your ducks >>> in a row before making that call to your insurance company. >> >> >> A bout five years ago I had an "interesting" conversation with an >> Allstate representative. One of their insured's drove his car into >> my living room. The representative wanted my version of the >> accident. I started by saying I as carefully and slowly driving my >> house, looking in both directions. It took several minutes before >> this idiot got my point. Oh! Yes I too had a replacement cost policy >> and I was fully reimbursed. I even received my deductible back. > > That must be the same claims adjuster who asked my wife how fast she > was driving when his client hit my wife's parked car in the mall > parking lot. She was in the mall at the time. On foot. I had similar questions from the investigating cop when my car, in its parking space, was rammed by some young punk about 2 a.m. He must have accelerated pretty hard to get up that much speed in a short space, because the impact shoved the rear of my Galaxie, a full-sized car, several feet to the side, stopping only when the right rear wheel hit a curb. Damage was considerable, and not just sheet metal. Even after my explaining that I was up in my apartment at the time, my car was parked in its parking space, and I only came down after hearing the sound of the collision, the cop asked me how fast I was driving. I suppose these questions are on a standard form and the investigator simply asks them in order, whether that makes any sense or not. That particular case was an insurance nightmare. The kid who hit my car didn't own the car he was driving and didn't even have a driver's license. The car he was driving, a pretty expensive Ambassador, was rented -- to a professor of black history at a nearby university. The professor had handed the car over to the head of a local community action group who lived in my apartment house. He in turn had given the car to his girlfriend's young brother, who used it to ram my car. The rental company's insurance wouldn't pay for it since the terms of the rental were grossly violated. Neither the professor nor the university would accept any responsibility (of course) and needless to say no one else involved would either. Allstate took are of it anyway as far as repairing my car was concerned (though it never was really right after that). Whether they ever got anything back from the others involved, I don't know.
From: Peter on 19 Jul 2010 19:17 "tony cooper" <tony_cooper213(a)earthlink.net> wrote in message news:0i674614mch5ghvj422iqvg9pla0sh460i(a)4ax.com... > On Sun, 18 Jul 2010 19:57:31 -0400, "Peter" > <peternew(a)nospamoptonline.net> wrote: > >>"Savageduck" <savageduck1@{REMOVESPAM}me.com> wrote in message >>news:2010071719334297157-savageduck1(a)REMOVESPAMmecom... >>> On 2010-07-17 17:40:05 -0700, "Peter" <peternew(a)nospamoptonline.net> >>> said: >>> >> >> >>>> You have illustrated the benefits of having a replacement value policy. >>>> The couple of bucks you paid was well worth it. >>> >>> Yup. I thought that by providing evidence of my experience others might >>> benefit. >>> I have nothing but good things to say about the way Allstate handled my >>> claim. >>> >>> There is the side benefit of making these purchases online. I had >>> complete >>> documentation of all my transactions, the D300 + lens, the BlackRapid >>> strap, 16GB CF card, and Promote GPS. >>> Also, I took the time to report the theft to local police in Cape Town, >>> South Africa, and got a copy of the initial report and a report from the >>> assigned investigator. So if you ever find your self in this situation, >>> take a deep breath and get all your ducks in a row before making that >>> call >>> to your insurance company. >> >> >>A bout five years ago I had an "interesting" conversation with an Allstate >>representative. One of their insured's drove his car into my living room. >>The representative wanted my version of the accident. I started by saying >>I >>as carefully and slowly driving my house, looking in both directions. It >>took several minutes before this idiot got my point. Oh! Yes I too had a >>replacement cost policy and I was fully reimbursed. I even received my >>deductible back. > > That must be the same claims adjuster who asked my wife how fast she > was driving when his client hit my wife's parked car in the mall > parking lot. She was in the mall at the time. On foot. > Naw! He got a job in a drug store and kept asking for the date of birth and Social Security Number of my daughter's cat. -- Peter
From: Scotius on 28 Jul 2010 17:05 On Thu, 15 Jul 2010 12:10:32 -0700, Savageduck <savageduck1@{REMOVESPAM}me.com> wrote: >On 2010-07-15 11:24:02 -0700, Scotius <yodasbud(a)mnsi.net> said: > >> I'm already a policy holder with All State, so maybe that's >> why, but I'm pretty happy with it... > >As I stated in my response to your over x-posted to alt.photography; > >What coverage are they providing for your $14, that your renters policy >for your property does not cover? > >I have an Allstate homeowners policy, and they covered me for my D300, >18-200mm VRII, Promote GPS, CF cards & other extras when they were >stolen on a trip to South Africa this last December. Allstate did not >require an additional premium, or policy rider, only proof of purchase, >and a police report. My homeowners policy has a $1,000 deductible, and the camera was 469+ tax. With this policy specific to the camera, anything that happens to it when I'm out with it (and I shoot for a local magazine and do a LOT of shooting) is covered, so for me it's VERY worth it.
From: Scotius on 28 Jul 2010 17:07 On Fri, 16 Jul 2010 19:49:13 -0700 (PDT), Nervous Nick <nervous.nick(a)gmail.com> wrote: >On Jul 15, 2:10�pm, Savageduck <savageduck1@{REMOVESPAM}me.com> wrote: >> On 2010-07-15 11:24:02 -0700, Scotius <yodas...(a)mnsi.net> said: >> >> > � �I'm already a policy holder with All State, so maybe that's >> > why, but I'm pretty happy with it... >> >> As I stated in my response to your over x-posted to alt.photography; >> >> What coverage are they providing for your $14, that your renters policy >> for your property does not cover? > >They are covering the indivitual item, with no deductible. If >something happens to his camera he will be fully reimbursed, up to >replacement cost. > >If he claims it on his renters insurance, most likely it would be >subject to a $500 (or whatever) deductible that is standard with most >renters policies. > Exactly, except in my case the deductible is 1000 so I'd get zip if I claimed it on that. Plus, I do a LOT of shooting, since I shoot for a local magazine, so sooner or later at big events, there's a chance that something could happen to it, although I'm very careful and hope nothing does. Still, it's nice to have the peace of mind at 14 per year even if nothing ever does happen to it.
From: Scotius on 28 Jul 2010 17:09
On Sun, 18 Jul 2010 19:57:31 -0400, "Peter" <peternew(a)nospamoptonline.net> wrote: >"Savageduck" <savageduck1@{REMOVESPAM}me.com> wrote in message >news:2010071719334297157-savageduck1(a)REMOVESPAMmecom... >> On 2010-07-17 17:40:05 -0700, "Peter" <peternew(a)nospamoptonline.net> said: >> > > >>> You have illustrated the benefits of having a replacement value policy. >>> The couple of bucks you paid was well worth it. >> >> Yup. I thought that by providing evidence of my experience others might >> benefit. >> I have nothing but good things to say about the way Allstate handled my >> claim. >> >> There is the side benefit of making these purchases online. I had complete >> documentation of all my transactions, the D300 + lens, the BlackRapid >> strap, 16GB CF card, and Promote GPS. >> Also, I took the time to report the theft to local police in Cape Town, >> South Africa, and got a copy of the initial report and a report from the >> assigned investigator. So if you ever find your self in this situation, >> take a deep breath and get all your ducks in a row before making that call >> to your insurance company. > > >A bout five years ago I had an "interesting" conversation with an Allstate >representative. One of their insured's drove his car into my living room. >The representative wanted my version of the accident. I started by saying I >as carefully and slowly driving my house, looking in both directions. It >took several minutes before this idiot got my point. Oh! Yes I too had a >replacement cost policy and I was fully reimbursed. I even received my >deductible back. That reminds me of something I read after a search of "stupid court quotes", except the guy who said it wasn't kidding like you were. One of my favorites though was when a lawyer asked some guy "What gear were you in at the time of impact?", and he said "Gucci sweats and Reeboks". |