Holiday Hi-Jinx

Are you struggling to find somewhere to hide those holiday presents? Maybe you have a super snooper, or just a small closet.  A tempting spot may be in your trunk or back of your car, but that’s not the best idea. This time of year, claims roll in for smash and grabs for those presents hidden away.

What can you do to protect your gifts-and your car? Are you covered if someone grabs those gifts?

Well, here is the bad news.

Your (basic) auto insurance policy is NOT going to cover those gifts. If you carry comprehensive coverage (Fire, Theft, Vandalism and glass coverage) the cost of the broken window would be paid for, but those items taken out of your car-you’re out of luck. Some people may say “But its vandalism?” While this could be considered true in some case, comprehensive coverage does not cover items or belongings that are not a permanent part of your vehicle.

Some companies allow for coverage to be added for personal belongings-but there are limits.

Ok, so what can you do?

Well, if the cost of the items is high enough, you can check with your homeowner’s, condo or renter’s insurance carrier and see if some coverage will be found there. Your deductible will apply in most cases if they allow and pay a claim.

Can I be reimbursed for those gifts? 

If you purchased the items with a credit card, you can call your credit card company and ask about coverage or reimbursement.

How can you keep those gifts safe?

Well. Quite frankly-don’t leave them in the car unattended.

If that’s impossible-park in a well lit area-under a streetlight, or leave your driveway light on all night. Don’t leave valuables where they can be seen clearly from a window.

Use your anti-theft device if you have one.

Lock your car. Sometimes just having the doors locked is a deterrent to thieves.

The Holiday Season can be stressful enough-if you have questions about your auto coverage, We’re Here for You.