Homeowners Insurance

Is property that was stolen from the alley just outside of your house covered with homeowners insurance?

Thanks for your question. Whether or not your property is covered really depends on your homeowners insurance company.

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Coverage & Claims

I let someone borrow my car and they ended up stealing it

You let her borrow the vehicle, not have it. I would contact the police ASAP and file a report.

Driving History
General Insurance

Will my car insurance cover me after a theft

It really depends on the nature of your coverage. If you have comprehensive coverage, the damage to your vehicle and speakers can be covered.

Renters Insurance

I left my door unlocked and was robbed, can I file a claim?

I recommend checking the verbiage of your policy. Some policies have a requirement for forcible entry, while others do not.

Coverage & Claims

How long can you wait to file an auto insurance claim?

Each state has varying statutes on how long you have after damage occurs to file a claim. In Maryland, you actually have up to 3 years to file a property damage claim, although I would not recommend waiting that long as it can be difficult for your insurance company to properly assess the damage.

Coverage & Claims

Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?

You will need to report the vehicle stolen before you are able to file a claim with your insurance provider. From there, your insurance company should handle the remainder of the claim if you have comprehensive coverage.

Coverage & Claims

If a dirt bike is stolen out of a truck that has liability will the bike be covered by the truck's liability insurance?

Sorry to hear about the theft of the dirt bike. The property damage portion of liability coverage pays for damage that you cause to another vehicle or object while you are driving, so the bike wouldn't be covered in this case.

Coverage & Claims
Renters Insurance

What happens if your car gets broken into at home?

You would file a claim with your auto insurance company for the damaged window and anything stolen from inside the vehicle that was permanently attached like a cd player/head unit or navigation system. For anything stolen from your vehicle that were personal items, not permanently attached to your car, you would have to file a claim with your renters/homeowners insurance company.
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