Two months ago, I took personal property to an ex-friends home. He moved and his whereabouts is unknown and with him go my property. My insurance company claims that my personal property is considered Covered. My insurance company has stated that contained by order to process a Loss, I must report a police report; the claim forms support this requirement.
Here is the problem: According to the Police Dept., they cannot take, nor may I report, a Police Report. The Police Dept. has stated that this situation is NOT a criminal business; it is a civil matter set as a "Breach of Trust." Also, the Police have stated that my merely recourse is to sue the person who took my property when he moved. And, I know that his accomplishment was premeditated as I tried to collect my property several times prior to his disappearance.
I have already informed my insurance company the circumstances surrounding this Loss.
Since a report is required by my insurance company, how can I possibly proceed next to this matter?
Answers: You want to talk to your insurance AGENT something like this, and have them speak to the company on your behalf. You do hold an agent right? This is where they entail to take initiative to backing you out. Have you tried the company more than one time? Sometimes you get someone taking the claim that a moment ago knows the rules, you involve to find a supervisor or someone who can bypass that and turn the claim in anyway.
However, since you did agree to us now that it be YOU that brought the property to his house, it will more than likely not be covered beneath your homeowners policy as there be not THEFT.
EDIT- If your company is saying that your property "Off premises" is covered regardless of the situation later put it back on them and relay them they should take the claim lacking a police report. The police are telling you a crime have not been committed surrounded by which case you would not be capable of file a police report, which you are finding out here. Your company is describing you your property is covered regardless, so they need to stick by what they are truism and accept and process the claim. I would start chitchat to the claim supervisor and then their supervisor if you still do not capture the answer you are looking for. This may be the only instrument to get this done. Get your agent involved right away, they would be able to climb the stepladder more easily than you to find someone to pilfer this claim.
Good luck to you!
call an attorney? What does your insurance company enunciate? My guess they are giving you the run around because they don't like paying out, they singular like payments coming contained by. Insurance companies are useless that way because they will quarrel you, but since it's not "theft" if you took the property to your ex-friend's more than likely they will freshly tell you you acted negligently and it's your culpability and they won't pay. The police are right, it's not burglary, it's a civil case. If it is underneath $5000(?) depending on state, you can go through small claims court, but although you might gain a settlement, if you can't find the thief or if he have no assets, you get nil anyway. Even if you go through the insurance company, they will jack up your insurance costs and bring in their money back. Insurance is a jape. Live and learn...go sucks. No more personal property dropped off at a "friend's" house, eh?
Breach of trust is not a covered loss.
Theft is.
It sounds similar to the police are not going to file a report because the property be not stolen. You took it to his place and left it surrounded by his care. When he moved, he took it near him - along with his other property. How long have it been in that when he moved? Is the property considered abandoned?
Without a police report that say the property was stolen, in attendance is nothing your insurance company can do.
Next time, be more tight-fisted with your property and bear it with you when you walk off.
"Theft" is when someone enters your premises (or premises controlled by you) and STEALS your property. In this valise, you voluntarily entrusted your property to this person. That is why it is Breach of Trust, not Theft. Well, I disagree near your insurance company. This is a "voluntary parting" and NOT covered under your policy, I'd bet.
File next to small claims court, and use that as your report. ORask the police if they keep track of the incident reports, and use the INCIDENT REPORT as a police report. You could also return with a statement from the nice officer, that says since your event is a civil and not a criminal matter, they can't record a criminal police report, and turn that into your insurance company.
But I think whoever you talk to - not likely your insurance company, probably an agent who doesn't know what they're chitchat about - is wrong. I'd ask them to profile the claim report ANYWAY, without the police report, and start the claims process. I bet you achieve a denial, because there's no THEFT here, ya know? Your stuff is covered by THEFT, and that's not what happened. Legally speaking.
Yea, most agencies simply take criminal reports. Some smaller agencies cart reports FOR EVERY FRIGGIN THING that happens, including the bark cat call!
My former agency didn't transport a report because an insurance agency wants one. My alien agency would take the report.
Here is the problem: According to the Police Dept., they cannot take, nor may I report, a Police Report. The Police Dept. has stated that this situation is NOT a criminal business; it is a civil matter set as a "Breach of Trust." Also, the Police have stated that my merely recourse is to sue the person who took my property when he moved. And, I know that his accomplishment was premeditated as I tried to collect my property several times prior to his disappearance.
I have already informed my insurance company the circumstances surrounding this Loss.
Since a report is required by my insurance company, how can I possibly proceed next to this matter?
Answers: You want to talk to your insurance AGENT something like this, and have them speak to the company on your behalf. You do hold an agent right? This is where they entail to take initiative to backing you out. Have you tried the company more than one time? Sometimes you get someone taking the claim that a moment ago knows the rules, you involve to find a supervisor or someone who can bypass that and turn the claim in anyway.
However, since you did agree to us now that it be YOU that brought the property to his house, it will more than likely not be covered beneath your homeowners policy as there be not THEFT.
EDIT- If your company is saying that your property "Off premises" is covered regardless of the situation later put it back on them and relay them they should take the claim lacking a police report. The police are telling you a crime have not been committed surrounded by which case you would not be capable of file a police report, which you are finding out here. Your company is describing you your property is covered regardless, so they need to stick by what they are truism and accept and process the claim. I would start chitchat to the claim supervisor and then their supervisor if you still do not capture the answer you are looking for. This may be the only instrument to get this done. Get your agent involved right away, they would be able to climb the stepladder more easily than you to find someone to pilfer this claim.
Good luck to you!
call an attorney? What does your insurance company enunciate? My guess they are giving you the run around because they don't like paying out, they singular like payments coming contained by. Insurance companies are useless that way because they will quarrel you, but since it's not "theft" if you took the property to your ex-friend's more than likely they will freshly tell you you acted negligently and it's your culpability and they won't pay. The police are right, it's not burglary, it's a civil case. If it is underneath $5000(?) depending on state, you can go through small claims court, but although you might gain a settlement, if you can't find the thief or if he have no assets, you get nil anyway. Even if you go through the insurance company, they will jack up your insurance costs and bring in their money back. Insurance is a jape. Live and learn...go sucks. No more personal property dropped off at a "friend's" house, eh?
Breach of trust is not a covered loss.
Theft is.
It sounds similar to the police are not going to file a report because the property be not stolen. You took it to his place and left it surrounded by his care. When he moved, he took it near him - along with his other property. How long have it been in that when he moved? Is the property considered abandoned?
Without a police report that say the property was stolen, in attendance is nothing your insurance company can do.
Next time, be more tight-fisted with your property and bear it with you when you walk off.
"Theft" is when someone enters your premises (or premises controlled by you) and STEALS your property. In this valise, you voluntarily entrusted your property to this person. That is why it is Breach of Trust, not Theft. Well, I disagree near your insurance company. This is a "voluntary parting" and NOT covered under your policy, I'd bet.
File next to small claims court, and use that as your report. ORask the police if they keep track of the incident reports, and use the INCIDENT REPORT as a police report. You could also return with a statement from the nice officer, that says since your event is a civil and not a criminal matter, they can't record a criminal police report, and turn that into your insurance company.
But I think whoever you talk to - not likely your insurance company, probably an agent who doesn't know what they're chitchat about - is wrong. I'd ask them to profile the claim report ANYWAY, without the police report, and start the claims process. I bet you achieve a denial, because there's no THEFT here, ya know? Your stuff is covered by THEFT, and that's not what happened. Legally speaking.
Yea, most agencies simply take criminal reports. Some smaller agencies cart reports FOR EVERY FRIGGIN THING that happens, including the bark cat call!
My former agency didn't transport a report because an insurance agency wants one. My alien agency would take the report.