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txtcain | Who pay's for theft? |
my car got broken into today at my work and i lost 1500 dollars of goods no signs are posted that say there not resonsibly for autos. it was on there property and im there worker should my work compensate me?
Additional Details
i guess i should point out also that i am a city worker |
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Phil
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Why does everyone want someone else to pay for their problem? If you left $1500 worth of stuff in your car, and it got stolen, then you deserve to lose the $1500. Have you never heard of thieves? Did you not think that $1500 worth of stuff would be a tempting target? Do you think it is your employer's responsibility to ensure nothing bad ever happens to you? What about personal responsibility? It comes with that freedom thing you enjoy.
As for the insurance question, property that is not normally part of a vehicle is not covered under an auto policy. So, this type of stuff won't be covered under an auto policy. If you have a homeowners/renters policy, you have coverage here, depending on the type of property that was taken. You will be responsible for your deductible. If you don't have this type of insurance, well you just learned a $1500 lesson about life. |
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Kathy B
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Depending on what was taken out of your car, it may not be covered by your auto policy. Generally only items that are installed in the vehicle are covered. Personal property (sunglasses, cell phone, clothes, etc) that was stolen would be covered by your homeowners or renters insurance. |
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Jas
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Your work would not be responsible for the theft unless they could be proven for some sort of neglect. So no they don't need to compensate you. If you have good insurance on your car they would cover it - however it might not be worth the increased rates. |
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D.L.
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If you have comp on your insurance policy that would pay for any body damage to the veh, and also any items stolen that were specifically related to the veh. Such as stereo, speakers, and other such items. Other personal items would have to go under any type of home owners, or renters coverage you have. |
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njunprincess
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Your employer is not responsible nor liable for your car. Also, Personal property is not covered under your auto insurance policy. Car parts and stereo would be IF you had comprehensive coverage on your policy...but not your CD's, coat, wallet, cash, etc...Personal items are covered under home or renters policies. Just watch because even though it's one claim, each policy has its own separate deductible. |
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Artur
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You should call your insurence. |
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JAN
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You should be covered under your auto insurance policy for the contents in your vehicle if you wisely took out a good policy.
The street in front of my home is city property. The city isn't going to cover my loses if someone breaks into my car?
Don't leave items of that value in your car. |
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mbrcatz
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Your renter's insurance would normally cover theft from your vehicle.
The employer, or the parking lot owner, are NOT responsible to reimburse you for the theft.
Just like if I was visiting you at your apartment, and my car was stolen, would YOU be responsible to replace my car? Of course not! Neither are they.
Being a city worker makes it even worse - the city is subject to "governmental immunity" laws. Even if a city truck runs into your parked car, the ONLY thing they are responsible for is YOUR DEDUCTABLE.
You'll have to file with your renters or homeowners policy if you have one. If you don't have one, you're out of luck. The auto policy does NOT cover your contents, assuming they're like cd's, drycleaning, personal items like that.
Go buy one today, and stop storing $1500 worth of stuff in your car. |
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Sevenernine
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I'm no lawyer, but I think so. I mean... If they expect you to park your car in their parking spaces, then they should hold a certain level of control over the security of said area. If there were no signs posted that said they weren't responsible for thefts, then I can't imagine a judge saying that they weren't liable for not keeping a safe working environment for their employees.
Ask a lawyer, though... Or a cop... Cops won't know as much, but they can give you a good idea.
G'luck. |
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Phil.
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while doing my deliveries in my employers truck it was broken into and some of my personnal items were stolen.Is my employers insurance liable?Or can I claim from my employer as all the other staff (warehouse,office) employees are provided with a secure locker the delivery drivers have no other option but to lock their personnal belongings in their trucks. |
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