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Camera and Equipment Insurance
the form of a police report, that clearly indicates broken doors, broken windows, or some
other form of forced entry into your premises before they will pay you for a claim of
theft. If the lock has been picked on your apartment door, the police can usually tell, and
will or should include this in the report. (Meanwhile, head down to your locksmith and
pick up a MEDECO lock)
According to Black's Law Dictionary, Theft is defined as, the felonious taking and
removing of another's personal property with the intent of depriving the true owner of it;
larceny. Anytime your personal property "disappears", the insurance company has to
assume the property was stolen and pay you according to your contract if you supplied
them with the necessary documents to prove rightful ownership of the property and a
report from the police indicating that the property has "disappeared" in a manner
consistent with "theft"; you are innocent until proven guilty. Again, the key here is to
read your policy and thoroughly understand what is expected of you in the event you
have to file a claim with your carrier. Additionally, many states have laws which require
insurance carriers to finalize all claims within a certain time frame. Check with your state
insurance commissioner for details or again, speak with an attorney.
-- Marika Buchberger, July 12, 2000
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