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Advice needed: Stolen wheels
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Advice needed: Stolen wheels - July 9, 2011, 06:25 PM

My buddy just went down to his car in the garage of his appt complex and his car is balancing on cinder blocks. He called the police, got a report, and found out that other cars had lost their wheels in the area (Rossyn) as well over the past few weeks.

I guess he is trying to figure out what his options are and what the best next step is given the circumstances? Call his insurance? Discuss the problem with the property management company?

Any constructive advice is appreciated.
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July 9, 2011, 07:05 PM

IMHO, call his insurance first. Hopefully he has renters insurance. I'm no guru, but his renters MAY cover his car while parked in the complex. My homeowners covers anything that happens to my cars while parked on my property. If my bike was stolen from my garage, it would go under my homeowners ($100 deductible) not my car insurance ($500 deductible). Not sure if renters works the same.
I would also pursue it with the management company. Security cameras? Key card access? Is there a blanket policy on their property for theft? On a good note, theft or vandalism will not affect his rates if it has to go against his auto insurance.


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whoa preppy......
 
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July 9, 2011, 07:18 PM

Renters will not cover a vehicle. Nor will homeowners. Only auto insurance will cover the loss if you have comprehensive coverage.


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July 9, 2011, 09:15 PM

call the insurance company... if he has comprehensive they'll buy him new ones.

does he drive a honda?


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July 9, 2011, 09:19 PM

Quote:
Originally Posted by Scot View Post
Renters will not cover a vehicle. Nor will homeowners. Only auto insurance will cover the loss if you have comprehensive coverage.
Just looked into my policy. You are correct.Although, (and I had this conversation a while ago with my insurer) there is protection under homeowners. Here is what USAA states in my policy (paraphrased):
A motor vehicle that is actively undergoing restoration or repair within a structure (garage) covered under this policy is protected against loss, theft, vandalism, blah blah blah. This coverage is dependent on said vehicle being properly titled to the insured, or to an immediate family member. Etc, etc, etc.
I had inquired about this a little while ago because I had a project bike that I had no insurance or tags for, and I was also concerned about getting a track bike as well. But yeah, if the wheels to my car got yanked from my driveway I'd be SOL.
I stand corrected, sir!


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July 9, 2011, 09:34 PM

Insurance used to be my profession. I had a claim for a partial roof collapse on a garage damaging someone's car with liability only.

Sorry Charlie. Not covered.


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July 9, 2011, 09:39 PM

If it was me I would jst buy new rims or get some from the junkyard. Now if he was rolling on 22's I'm not sure ins would cover a aftermarket part.


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July 9, 2011, 09:51 PM

management company will do nothing but file a report and cooperate with the police by supplying an vids they may need. Ive worked in property management for apartments for 11 years for several different companies and have never seen one that covers property loss due to theft. File a claim with your auto insurance it should not affect your rates. If your boy doesn't have a receipt for the after market rims they might only give him the value of the stock wheels and tires. Some times the stock shit is more anyways.

Tell your friend to be smart next time and get 2 different wheel locks and a car alarm with a proximity sensor and a hood lock. It will cost him the same amount hes going to pay for his deductible ($500) and he will more than likely never have to deal with this again. Also be smart about where you park well lite areas that are highly visible.

But unfortunately their are a small group of pros that will take your stuff no mater what you have. But most will see the locks and hear the alarm and go to something easy.
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July 9, 2011, 09:58 PM

Just trying to not get his rates higher. I was in a no fault crash when a lady t boned me a few years back. If his deductible is 500 should be enough to buy new ones.


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July 9, 2011, 10:10 PM

Call the insurance company.
Don't bother trying to get the property management company involved. They are not responsible for vehicles.



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July 10, 2011, 10:07 PM

^yep car insurance will pay it out. He will have to pay the deductable. Yeah it sucks.


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July 10, 2011, 10:35 PM

I saw the same thing happen to a car in Alexandria about a month ago. Sucks.
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July 10, 2011, 10:44 PM

Thanks so much for all the advice. Ill keep you all updated.

@RFORC1: That must be the same thief as the paver stones are identical to those used on my buddies car. Looks exactly as his car did when he found it. Similar garage situation as well. Incredible.
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