my head unit was stolen!!!! got a question
 

this morning i woke up to go to work got in my car and all i see is wires hanging from the cage where my head unit once was. The radio was a supertuner 2 that came with my car when i bought it from a dealer but the insurance company doesn't know that so when i call to get my insurance money back for the loss should i say it was a head unit with much more value than it really was just give them the model number and shit of one that costs more cuz i have no receipt saying that i purchased this radio aftermarket so they dont know whats in the car???!!!:eek: :mad: :eek: :mad:

If anyone done this please reply to tell me if it worked!!!

so, you are asking if anyone has commited Insurance Fraud?

yes, make it worse for all of us. :rolleyes: :squint fi

I have to agree with Rider69 and alcoholiday - Insurance fraud screws everyone over. Why the hell do you think insurance prices keep getting jacked up? Every a$$hole who decides 'I can get a couple hundred extra bucks out of this' affects MY rates and everyone elses who doesn't feel a need to screw someone over (and don't give me that crap about 'it's not your insurance company', or 'they are screwing me so I'm screwing them' - you're being part of the problem by saying that), so don't be surprised if there are those of us who are pissed off by the suggestion. :mad:

Oh, and if you think that there is no benefit to an honest, conservative approach with an insurance company - I am a member of the engineering association here in Alberta. When my wife and I got married, I, with 2 accidents still affecting my rates, as a member of the association (a large group of conservative cautious people who as a whole have good insurance records), had rates that were significantly lower than hers as a female (lower rates), older than me (lower rates) with no accidents or claims (lower rates). Her rates with my company were higher than my rates with my company.

Why don't you contact the dealer, they should have some sort of record of what they sold you. Atleast they could vouch for it being in the car...?

Why bother even going through insurance. Depending on how much you're comprehensive deductable is you'll probably pay more than the replacement value. This is a big part of why insurance companys jacked up the deductable rates...too many theft claims. In Canada any way.

Give us your policy number while you are at it. Ok heres the skinny. Why tell em you have a 200 HU when the factory one is like 400? Lemme tell you on my invoice for the car I got the 6 disc changer plus cassette. What a piece of crap. Anyway the dealer sell replacements for 500 bones. So I sold it to a guy on Ebay for 100 bucks. It got damaged in shipping and I was able to file a claim with the USPS for $500. So I banked on the whole situation. Lesson factory is always overpriced and If you say you have that you can bank.

well.. my deck was also stolen as well as my radar detector and eveyrthing else "Electronic" in my car. i gave my insurance company all the model numbers and recipts (or boxes that it came in) and they got a total, keep in mine i did it truthfully, but i still got better products in the end ebcause my deck and detector were out of date and i got the same amount of money back as i did when i paid for them.

www.statefarm.ca

Yes we do have State Farm, anyway that's not the point. Everyone will pay in some way or other for insurance fraud. Insurance companies don't pay claims with "magic" money, they get that money from policy holders.

Personally, I hope they catch anyone who commits insurance fraud. Try getting insurance after that.... :stickpoke

Just my thoughts... (and I guess the thoughts of anyone who complains of high policy premiums).

Insurance fraud is just plain wrong. Might as well go steal the new audio equipment you want from the store, it's pretty much the same thing.

By the way, insurance fraud is a federal offence.

I was responding to this statement you made here:
No, as long as he didn't state that he had items that he did not have or overstate the price of replacing the equipment.


Insurance companies don't make you pay for how much you use. They make you pay for how much of a risk you pose. If we had to pay back how much we use, some of us would be paying nothing.

You need to understand that since you got into an accident and I am going to assume, correct me if I am wrong, that it was your fault, you have become a greater risk to them. See this time you only cost $1500 worth of damage but let's say next time you cost $100,000 worth of damage are you going to pay them back for all of that? Do you think they will raise your insurance payments to $5,000 a month? No. What if you switch insurance companies or cannot drive anymore? They will never see another penny from you. Insurance companies don't just pull rates out of thin air. they have many statisticians that just crunch numbers all day figuring out what rates would cover their losses, make them money while not being too high that people would switch to a different company. If you don't like your rates switch to a different company.


Hey it might not affect everyone's rates much but every little bit counts.


If I could do something about drunk driving I would. I would ban them from the roads forever. But you cannot justify committing insurance fraud just because there are drunk drivers on the road. That type of reasoning doesn't work. So by your reasoning I should be able to rob banks then because there are people around murdering other people and murder is worse than robbing a bank? You cannot justify it that way.

Insurance fraud is a crime and that's the bottom line.

I could definetly tell you for a fact that it is the medical part of insurance fraud that is costing you. My wife tests people after they have been in accidents to see if they can go back to work and MY GOD is there ever a lot of fraud, usually three people a week are outright fraudulent. But unfortunatly the insurance company isn't innocent when they order expensive MRIs and psychologists for people that have broken a wrist. And if you get hurt and are on disability watch out, you are probably going to be videotaped. Actually forget that, once in a while I get to see them and they are hilarious.

As for your head unit chances are they will ask you to go to a store and see what replacements are available, good thing is even if it was a year old you will be getting a better H/U for this model year.

dunno if you got it resolved or not, but for some reason, insurance companies pay more for stock radio/hu. dunno how that works out. but it does.

head unit
 

If i tell the insurance company that the head unit that was stolen was a new head unit that came out this year but i tell them i had it come with the car do u think they will find out that the head unit was not released until this year becuase i got my car last year when the head unit wasn't released yet!!!!?????

Yes speeding is illegal but insurance fraud is a federal offence. But you are right though it's how you choose to live.

They didn't factor in depreciation? That's odd, especially for the HU. I had to take a loss of 20% because my HU was a year old when it got stolen. But I still did end up upgrading to a better HU for 50cdn.

Bottom line here is if you dont have the protection for stereo equipment added on to your policy you get jack regardless of how much you paid or did not pay.
I have not gotten a policy in the last 8or so years that protected against theft from items inside the vehicle. They charge extra for it.

Now about the fraud thing yeah its bad but think about how many policy's they have out there versus claims against policys...
How many people file claims and how much money is dumped into the insurance people's hands for doing basically nothing month after month after freaking year after year.

Lets say some lady gets insurance at 16 pays 130 till she is 60 for no accidents. that is a total of around $68460.00 dollars for 44 years of driving???? Who is taking who here. Yes it is peice of mind that you would be covered anyway. But for that money can you be guaranted if and when you get in an accident that your car insurance co will not try and pull wool over there eyes and make you end up getting less then what you paid in? Hell yeah you better believe it they are gonna screw you tell you that your car has only this amount of damage and they are only going to pay this much.
The whole world is a big scam against one another. Its all about who gets screwed first.

IF IT DON"T MAKE DOLLARS IT DON'T MAKE CENTS!!!!

Some insurance covers current value and some covers replacement costs (which means you can acutally LEGALLY get more than you originally paid for the item if it is hard to replace or more valuable now). As far as the insurance rates go over a lifetime.... I wouldnt have a problem knowing that I'm paying $50K-100K over the course of a lifetime if I knew the insurance company would actually pay out rather than trying to screw me out of money. As far as blue LEDz, doing illegal things because you feel that you have a right to "get back" at big business is still illegal. And grey areas like intentionally breaking a device to take advantage of a loophole in an extended warranty might not be illegal, but its pretty freaking shady. Also, what did Best Buy ever do to you? If you talk about high prices etc, you have no leg to stand on. Remember you choose to buy stuff there. If you dont like them, boycott them. People bitch about the high prices of CDs in relation to their prodution costs. Are CDs too expensive? YES, does that give me the RIGHT to download songs off KaZaa? hell NO, all it does is give me the right to not buy CDs. People have to learn that just because they think something is too expensive or a rip-off, doesnt give them the right to just take it instead. That only hurts the honest people with a sense of morality.

And speeding is not the same as stealing. Thats a strawman arguement. There's a reason why laws differentiate between different levels of crime. Are you saying I should be able to kill you? You commit fraud, and thats the same thing? :rolleyes:

All CEOs, CFOs and Cblah blah blahs aside... You think the guy in the cubical working for minimum wage selling you a policy is out to screw you? You think the 12gs you've paid to the insurance company over the last 5 years is going to cover your 3 month hospital stay and rehab when you crash into a telephone pole because you couldn't see straight because the radio in your car is sooooo damn loud? No.

The insurance co. is an at risk provider (financially), despite the gobbs of money we throw at them every year. If everyone who had a policy filed a claim, the insurance companies would need to file chapter 13. The fact is that we all belong to a client pool. The fewer claims filed by the pool to which you belong, the cheaper your rates.

Aren't there any actuaries out there to help explain this?

Here's my take on this all, I sorta happen to agree with blue ledz even though his reasonings a bit off (no offense) :) I don't think that people should pursue getting a bit more money because the insurance companies are screwing them (but u must admit, while not true in every case, more often than not, they are), and definitely not because of the worse crimes that are occuring. But I think that if you truley have something stolen, there should be some type of compensation to make up for the time you are without what has been stolen, the fact that it might be something that can't be replaced, and the trouble you have to go through replacing and dealing with the situation. Being robbed feels like you've been molested.

Not to sound like an angel or anything, cause I definitely don't consider myself one, but since this is illegal I don't think I would do it, but I think there should be something legally that allows for some type of extra compensation. The biggest problem I have though, is that burning down you're house and claiming it on insurance because u can't afford to pay, and asking for an extra 200$ for a new HU because of the trouble you have to go through is really the same offense, and it's a slippery slope since you can't draw the line on which is right and which is wrong.
Anyways, i think I've said enuough, and it's "if it don't make dollars it don't make sense" :D

Shayne
p.s. I'm dead tired so sorry if my rant is unreadable

You guys just don't get it. You belong to a client pool. The more claims you (the pool) submit, and the more frivolous and expensive, the higher your rates will be. Its a cycle. Your rates go up, you feel cheated, you cheat the insurance co, and your rates go up -duh. Think "outside the car" (get it, instead of outside the box). Talk about having blinders on. Some people just don't see the big picture (or only one side of it).

Besides, as others have noted, unless you have a policy that specifically covers additional audio equipment, you won't get jack for that autotek or power acoustic amp.

I think it would be in the best interest of the original poster not to commit fraud, as the origional deck that comes with the car has a 550+ (US) replacement cost anyway. I'm guessing that's far more than the replacement deck that was stolen -lol!

And as far as the agent that drives a 110k+ car, you need to find a new agent. You do know they work on commission, right?

Sorry, I must have missed that part about the stock HU.

As far as the walmart incident, what were you doing at walmart? All kidding aside, the same thing happened to me. The reason you (and I) had to pay the deductable is that there is no other party to cover it. Your rates won't go up, but since there is no one else to pay for it, you need to -unfortunately.

I was at a bar one night. My wife and I walked out to the car and the bumper was laying on the ground. Someone had caught the edge, then backed away and tore the whole thing right off. There were witnesses and I filed a police report, but still had to pay the 500 bones for the deductable b/c we never found the person who did it. My rates didn't change though. Instead of blaming the insurance co, you should blame the person that either hit your car, or stole your stuff.

Likewise, my wife was in a hit and run. We had to put up the dedutable to get the car fixed, but once the police found the guy, the money was refunded.

Insurance is a racket. But that doesn't make it right to abuse the system. After all, it will come back to bite you in the ass (ie higher rates, less coverage...).

I suppose we could go back and forth for ever. But to save time and energy, I suppose its best to agree to disagree.

p.s. You could always suck it up and buy a lower deductable for like 50 a month. LOL!!!!! Not. I thought about it, but it wasn't worth it. 600/yr to drop 250 from my deductable, now thats funny.

Go find yourself a wife!!!! My insurance was cut in 1/2 when I got married, and I wasn't even 25.

BTY, I was paying 200/mo on a 4 year old geo metro (with a clean record) -now that's comedy.

Women, can't live with 'em, but can't afford the deductable!!!!!

Well, I'm outy. Have a good weekend.