Damage to Personal Property
If your vehicle is broken into and there is damage to personal property, it is possible that the insurance company will exclude coverage completely. Insurance policies are written in such a way that you have to get homeowners or renter’s insurance in addition to your auto policy to have coverage for personal property.
Usually the battle centers on the issue of definition of personal property. What exactly is personal property? Isn’t your car personal property? Insurance polices will provide damage to your car, but they would not cover any other damage to personal property.
Again, we are in the same dilemma. What is personal property? Most insurance companies define this term in the policy. So please read this definition before making a claim. Insurance adjusters will tell you that anything attached to your vehicle by bolts is part of the vehicle (any damage to these parts would be covered), and anything not attached to the vehicle would be considered personal property.
So, flip your car and whatever falls down would not be covered! This is problematic. Is your car keys part of the vehicle? The answer is yes, the keys are part of the vehicle equipment. Are they attached by bolts to the car? The answer is no! What about the spare tire? Not attached, but yet it is part of the vehicle. If you have this type of claim, prepare yourself to fight! Read More.
