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outspoken 10+ year member
CarAudio.com Elite
gave them a rough estimate of actual purchase value based on the reciepts that i have... they will not honor any payout if you have no proof of purchase (as far as i know, had friends, but never personally filed a claim...) they will pay out the lowest depreciated value of your gear that they can, at least from what i've seen... just remember that at least with my provider they wont give jack without reciepts...
edit... i claimed a little over 2000 and it was an extra 12 dollars a month or something...
edit... i claimed a little over 2000 and it was an extra 12 dollars a month or something...
evildave101 10+ year member
Senior VIP Member
if you have full coverage, your system should be coverd also. i would think that if you specificaly list 4k worth of audio equipment it would raise your rate. in most cases they prob. wont cover anything that you dont have recites for
outspoken 10+ year member
CarAudio.com Elite
i saved a bunch of money... i switched to geico...
outspoken 10+ year member
CarAudio.com Elite
from what the rep told me paypal money trasfers can be used as long as it specifies what the purchase was for, he may of been telling false truths though... underwriters are pretty sneaky...
evildave101 10+ year member
Senior VIP Member
i had a couple amps stollen about 6-7 years ago, my insurance reimbursed me for the cost of the amps (- deductible) then a year later i got a call from the police, someone had tried to pawn one of the amps and was arrested, but because the insurance company had paid me, i couldnt get the amp back because "if we paid your claim the amp now belongs to us"
- Thread Starter
- #10
yea thats the thing is i have recites for stuff like that but i got it all hella cheap so if i could get a little more out if it then i'd be happy. but also for like my four channel and speakers and deck they came in the car when i bought it and they are jl memphis and pioneer on the deck and they are pretty nice but i don't have any recites for those but i still want hose covered
tc300 10+ year member
CarAudio.com Veteran
for my insurance, i had to take a "writer" for the stereo. its for other things in or on the car that arent factory.. im insured for $2500. and no it isnt the retail for the system.
outspoken 10+ year member
CarAudio.com Elite
try callimg the insurance company and explaining that, maybe they can work with you... i had the same problem with the rims on my car, but they were still able to cover them, the dealer i bought the car from helped verify that with the insurance company though...
MmatsDude 10+ year member
CarAudio.com Veteran
did you buy your gear with credit cards? debit card? i didnt have receipts but the statements that prove you purchase such items will work.. at first i thought it wouldnt work but it did //content.invisioncic.com/y282845/emoticons/biggrin.gif.d71a5d36fcbab170f2364c9f2e3946cb.gif
**** this thread has some of the worst spellers ever //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif
I had Statefarm and my car got broken into. The thieves stole a Pioneer fold-out TV, a JL 10w7, and two JL amps. Besides that, they broke the trim piece around the radio, slashed one of the leather seats and steering wheel while trying to rip the gear out, and trashed my custom enclosure. I ended up getting 100% value for all of the items that were damaged including my custom enclosure. I think it was between $4 and 5 grand. Statefarm was incredibly helpful throughout the process. I'd be surprised if any other insurance company is that helpful.
And I don't know if I ever submitted the value of my system to them but I had receipts for everything which helped. If you don't have receipts, I imagine they'll give you whatever they think it costs to replace the item.
I had Statefarm and my car got broken into. The thieves stole a Pioneer fold-out TV, a JL 10w7, and two JL amps. Besides that, they broke the trim piece around the radio, slashed one of the leather seats and steering wheel while trying to rip the gear out, and trashed my custom enclosure. I ended up getting 100% value for all of the items that were damaged including my custom enclosure. I think it was between $4 and 5 grand. Statefarm was incredibly helpful throughout the process. I'd be surprised if any other insurance company is that helpful.
And I don't know if I ever submitted the value of my system to them but I had receipts for everything which helped. If you don't have receipts, I imagine they'll give you whatever they think it costs to replace the item.
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