My question involves insurance law for the state of: california
living with my mother...her car gets broken into in the middle of the night, car was parked on the street in front of her house.
car insurance and home owners by state farms. car portions states they only cover what belongs to the car and any personal items inside the car would be passed onto home owners insurance.
Items stolen, total loss is $3500 in aviaiton equipment and a camera. (reason for leaving items in the car, emergency that day which resulted in a death in the family). used items would come out to $2500.
example: aviation headset, which has bluetooth and could be used outside of an aircraft. current new $1400 used $900 (i'm perfectly ok with getting used or refurbished since my headsets were used)
insurance is stating that they cover personal items, but aviation parts such as a headset or items that only works in planes are not covered.
however, i have yet to see this in a contract. in addition, they are saying that since i'm an aircraft owner my aircraft insurance should pay for it. my aviation insurance company says to sue the pants off them if they refuse.
Furthermore, they insurance company stated that they will pay for other items, however, it's way below used market value. for example they want to pay $200 for a DSLR camera purchased 4 weeks prior at the cost of $1500 and current used price is $1000.
I have no idea they are getting their numbers, why they are refusing to pay for aviation related items, or how to challenge any of this.
living with my mother...her car gets broken into in the middle of the night, car was parked on the street in front of her house.
car insurance and home owners by state farms. car portions states they only cover what belongs to the car and any personal items inside the car would be passed onto home owners insurance.
Items stolen, total loss is $3500 in aviaiton equipment and a camera. (reason for leaving items in the car, emergency that day which resulted in a death in the family). used items would come out to $2500.
example: aviation headset, which has bluetooth and could be used outside of an aircraft. current new $1400 used $900 (i'm perfectly ok with getting used or refurbished since my headsets were used)
insurance is stating that they cover personal items, but aviation parts such as a headset or items that only works in planes are not covered.
however, i have yet to see this in a contract. in addition, they are saying that since i'm an aircraft owner my aircraft insurance should pay for it. my aviation insurance company says to sue the pants off them if they refuse.
Furthermore, they insurance company stated that they will pay for other items, however, it's way below used market value. for example they want to pay $200 for a DSLR camera purchased 4 weeks prior at the cost of $1500 and current used price is $1000.
I have no idea they are getting their numbers, why they are refusing to pay for aviation related items, or how to challenge any of this.
Home Insurance: Insurance Refusing to Pay for 1 Stolen Item and Paying Below Used Cost for Others
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