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Worth Ave Group aka ipadInsurance Denied Theft Claim
- Thread starter polobruce
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Yes. But if you left your ipad on the table at a restaurant, got up and went to the bathroom, came back and discovered it had been stolen....that would be covered. It's clearly your fault for leaving it there....but it's still covered because it is THEFT.
Theft is theft...regardless of how easy or hard it was for the thief to steal it.
Worth Ave. Group Denied Theft Claim
Polobruce raises a really good issue and I'm glad for the opportunity to address it and perhaps save other people the same dissatisfaction with their insurance company. Hundreds of property insurance theft claims are denied each year by insurers because of "no signs of forced entry". What does that mean, "no signs of forced entry"? What it means is that if the theft took place at the insured's home, there is no sign that a door or window was forced open.
If the theft occurred from the insured's car, no glass was broken nor were there any scratch marks or signs that the door was jimmied.
So what does that have to do with a guy's theft coverage on his/her insurance policy? EVERYTHING ! Each year, thousands of people try to rip off their insurance company by having a pal rip off their cell phone, laptop, Les Paul guitar, Wii console, etc. just to try to get cash from their insurer. Sometimes, they just deliberately leave the item out in plain site at home or in their car and leave the door unlocked and the windows open....just in hopes of getting that insurance benefit check.
To counter this kind of insurance fraud, insurers require the "signs of forced entry" on standard property insurance contracts. Take a look at any property insurance policy's Exclusions Section. Homeowners, motorcycle, boat, renters, cellphone. Yep, there it is! Not to say that you can't get coverage for "mysterious disappearance" (your TV just sprouted legs and when you woke up, it was gone. No signs of forced entry! It "mysteriously disappeared"!). Mysterious Disappearance coverage will cost you extra on homeowners insurance and you might even have to upgrade to the "Super Deluxe--All Risk Policy" to get it. But be forewarned: turn in two "mysterious disappearance" claims to the same insurer within a three year period, and you can kiss that policy good bye when that insurer cancels it because of your "high claim experience".
The Bottom Line is this: if you want your property theft to be covered, do the right thing and get a police report to prove your claim is valid. Do that and the insurance claim process works smoothly. BUT KNOW THIS: insurance fraud is a felony, so think twice before you have Old Sammy help you out by unloading that Les Paul from your Aveo's back seat. You might wind up with a lot more troubles than you originally had.
Polobruce raises a really good issue and I'm glad for the opportunity to address it and perhaps save other people the same dissatisfaction with their insurance company. Hundreds of property insurance theft claims are denied each year by insurers because of "no signs of forced entry". What does that mean, "no signs of forced entry"? What it means is that if the theft took place at the insured's home, there is no sign that a door or window was forced open.
If the theft occurred from the insured's car, no glass was broken nor were there any scratch marks or signs that the door was jimmied.
So what does that have to do with a guy's theft coverage on his/her insurance policy? EVERYTHING ! Each year, thousands of people try to rip off their insurance company by having a pal rip off their cell phone, laptop, Les Paul guitar, Wii console, etc. just to try to get cash from their insurer. Sometimes, they just deliberately leave the item out in plain site at home or in their car and leave the door unlocked and the windows open....just in hopes of getting that insurance benefit check.
To counter this kind of insurance fraud, insurers require the "signs of forced entry" on standard property insurance contracts. Take a look at any property insurance policy's Exclusions Section. Homeowners, motorcycle, boat, renters, cellphone. Yep, there it is! Not to say that you can't get coverage for "mysterious disappearance" (your TV just sprouted legs and when you woke up, it was gone. No signs of forced entry! It "mysteriously disappeared"!). Mysterious Disappearance coverage will cost you extra on homeowners insurance and you might even have to upgrade to the "Super Deluxe--All Risk Policy" to get it. But be forewarned: turn in two "mysterious disappearance" claims to the same insurer within a three year period, and you can kiss that policy good bye when that insurer cancels it because of your "high claim experience".
The Bottom Line is this: if you want your property theft to be covered, do the right thing and get a police report to prove your claim is valid. Do that and the insurance claim process works smoothly. BUT KNOW THIS: insurance fraud is a felony, so think twice before you have Old Sammy help you out by unloading that Les Paul from your Aveo's back seat. You might wind up with a lot more troubles than you originally had.
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Thank you for sharing such a meaningful observation!
Since a post like this endures on the web and resurfaces periodically due to its popular topic, it was worth addressing. But again; thank you for sharing.
Since a post like this endures on the web and resurfaces periodically due to its popular topic, it was worth addressing. But again; thank you for sharing.
Pretty obvious, at least to me, that this person is a social media rep for the company, and is being paid to dig up negative Google searches about the company, and do damage control. No other reason for someone to newly register on this forum and then bump a 3 year old thread. (Also WAG kinda gives it away)