What can i do If my scooter was stolen from a friend’s back yard? Can i demand compensation?
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UPDATED: Mar 8, 2013
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Insurance Question from Lakewood, WA
Asked on 03/08/2013
What can i do If my scooter was stolen from a friend’s back yard? Can i demand compensation? A scooter i had was stolen from my friends house in December and they never reported it. They notified me, but I never thought to report it and instead we agreed for them to pay me back. Is there anyway i can be compensated for that property being stolen? Or is there no hope for me? I don't think i have any homeowner's insurance because i am only a renter.
Answer given on March 18, 2013
Theft of a motor vehicle, unless used to maintain the homeowner property, is not covered by a homeowner policy. Your friend’s insurance would not cover this loss under his policy. Even though the scooter was on a property, it is not a part of a homeowenr or renters policy. Presuming you had insurance on the scooter, you can report the claim under your scooter insurance. The insurance company will pay you for the value of the scooter, less your deductible. You may need to file a police report, even though it is after the fact of the loss. If so, contact the authorities and file the report.Your insurance company could choose to try to get reimbursement from your friend, but if there was no negligence on their part then your insurance company would not be able to get reimbursement.You should consider getting renters insurance. Even though the scooter would not have been covered, it does cover for theft of personal property and the costs ca be as low as $130 a year.
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