Jeep broken into, stuff stolen... questions...

[rgwalt]

Hi all, my jeep was broken into last night, and a bunch of stuff was stolen. I called the police and filed a report. I also called the insurance company about making a claim. Will this claim raise my rates?

Ryan

 

it might. Anytime the insurance company has to pay you they love to raise your rates.

 

[ROTC1983]

Someone broke into my mom's jeep and stole her rearview mirror. I don't dont' know what the world is coming too, but I dont' like it

 

[cjchaps]

There are many factors that will determine if your rates are going to be raised. If you have a good insurance company(like State Farm and not Geico), a clean driving and accident record, and you are not claiming tons of cash, you should be fine. If you claim that $10,000 of stuff was stolen, you rates will probably go up. If you claim less than $500 in repairs and stolen items, you will probably be fine. I think a lot of it is up to your insurance agent, and how "risky" you are considered to be. Being with your insurance company helps a lot as well.

 

[MichaelD]

Originally posted by: cjchaps
There are many factors that will determine if your rates are going to be raised. If you have a good insurance company(like State Farm and not Geico), a clean driving and accident record, and you are not claiming tons of cash, you should be fine. If you claim that $10,000 of stuff was stolen, you rates will probably go up. If you claim less than $500 in repairs and stolen items, you will probably be fine. I think a lot of it is up to your insurance agent, and how "risky" you are considered to be. Being with your insurance company helps a lot as well.

He is correct. Ask yourself these questions:

1. Do I have any tickets on my record (that the ins co. knows about anyway. )
2. How many claims w/them do I have in the past four years? If any, were they MY FAULT.

Those things, as well as waht cjchaps said will determine if your rates go up at all.

Sorry to hear about the breakin. Don't leave stuff on the seats/in view. Most breakins are crimes of opportunity.

*two dudes walking down the street*
Dude 1: Dude...check out the Jeep...lookit those CDs and that laptop on the seat
Dude 2: Dude...we could get, like, $30 at the pawn shop for that Dell 8200 laptop!
Dude 1: Dude...let's jack it....


And your stuff is gone just like that. Good luck to you.

 

[rgwalt]

Thanks guys. My claim will be for less than $1000 worth of stuff. My head unit was ruined, and they completely stole the subwoofer (I haven't even recieved the bill for it yet!). The rear lock is ruined, too, and they took a bunch of CDs (mostly burns). *Sigh* I really don't want to deal with this right now...

Ryan