Do not say that you had an Ipod or high dollar PDA if you did not have them, that would not only be stupid, but would be fraud. Insurance adjusters are pros and know the questions to ask and the documentation needed to prove you had that stuff and they will tape record your sworn statement regarding your loss. Do file a police report because the adjuster will require it as part of his claim file. A claim of this nature does have a possibility of raising your rates or getting you cancelled. The company does a risk assessment of each policy and determines if you are acceptable or not. Even though this is a new policy, they will go into a national data base to look at your claim history. If you have a poor record, you are screwed, like leaving your car parked in a high crime area with Xmas packages on the front seats. If you have a good record, they will simply pay the claim and move on. How do I know this? I used to be an adjuster till I realized what a shitty job it was.

 

I was never going to file a claim for something that I did not have in my car. I know that karma always comes around and bites you back in the ass. I wasn't even going to file a claim for my stolen goods. I was just going to let them know that they were probably the reason as to why the thief broke into my car. I've never filed a claim, EVER! My record is clean as it can be. No accidents, speeding tickets, etc. The only thing that I ever had was a parking ticket because I parked in a reserved area. I guess this goes back to my main concern as to whether or not they will boot me off of their coverage because i've only been insured with them for less than a week.

 

Well, i need to make a decision fast. In about 20 minutes Im going to call in this claim with a police report.

 

Why pay the extra premium for full coverage with comp if you're going to hesitate use it?

 

File the claim - you may need the police report number for reference.

It doesn't really matter what was in the bag anyway because I doubt your insurance company will cover anything left in the car that is not part of the car itself - that's what homeowner's or renter's insurance is for. It may cover $100 or so, but not an iPod, CD collection, etc.

Look at this way, you have an almost seven-year old top so it was due for replacement anyway. Get a glass rear window top, maybe from Hardtop Guy at a discount, after you get your estimate.

In the future - don't leave anything in sight in your car.

 

Well, just filed the police report and then the claim. They are sending an agent maybe within a couple of hours or by tomorrow to take pictures of my car. Wish me luck. I told them that I lost a bookbag and the items in it but Im not looking to get that back. All I want is my top fixed. I dont even care if they fix it with a '00 top. I just want it fixed. Of course the glass rear would be nice

 

Thanks for everyone's input. You guys helped out a lot!

 

It's been a million years since I was an insurance underwriter, but when I was, only "at fault" accidents and moving violations had the ability to increase your insurance premiums. Claims under the comprehensive coverage should have no effect on pricing. The only exception might be eligibility at renewal time. If you replaced your windshield four times in six months, your insurer might decide that they don't want to offer a renewal. A single theft/vandalism claim should not necessitate any pricing action. Several thefts/vandalisms over the policy term might be a problem, though.

I'd file the claim. That's why you bought the insurance. Get your S fixed quickly and done right.

 

I have Allstate and the top got slashed on my old AP1.

I never filed a police report, I just called Allstate the same day and filed a claim. Vandalism gets put under comprehensive and your insurance will NOt go up. I took the car to the adjuster a couple of days later and they wrote me a check for 1400.00. I had a 500 deductible.

I've had great experience with Allstate.

 

[FONT=Arial]Not to make this a plug for Allstate, but my Homeowners insurance is with Allstate. A storm blew through here a few years ago, blew a tree down, damaged porch roof, outdoor lighting, other stuff - a mess. The adjuster was out the next day, wrote up estimates for repairs, even allocated money to cut up the tree and have it taken away. Has a check in a week. Nothing but good things to say about them.