Car insurance (comprehensive) pays to fix or replace anything that was attached to the car, as in secured to it with screws, nuts and bolts, etc. I had a fire dept radio replaced that way as well as a scanner and a phone.
The way my policy is worded, they will pay for personal items lost or damaged as the result of an accident, up to $250, as long as I am in the car when damaged. I think. I'm sure everybody knows things like insurance policies are written with as much legalese as possible, to be as vague and confusing as possible.
You have to delve into the fine print and sometimes read between the lines. Getting together with your agent (if you have one) to discuss your coverage would be a good idea. I insist on doing business with a local agent who I know. I've been using the same one since 1983. He doesn't try to sham me around. I've never had a claim turned away. People who buy these super low priced car insurance policies over the phone or the internet may not be getting what they think their getting. I sold car insurance for 3 years and I can tell you there are a lot of things they can drop out (things you need) to make the price look really good. Taking the policy to a lawyer to examine won't do much good. If he's not a licensed agent there's not much he can say about it. Anybody who handles the policy paperwork (less the policyholder) is supposed to be legally licensed agent. Over the years I've seen policies that really scare me. One of my neighbors thought he was getting a really good deal until he found that the company had tacked on ridiculously high deductibles, dropped the uninsured motorist coverage, the rental car coverage and roadside assistance. They had also dropped the liability limits to a level that shouldn't even be legal. Sadly he didn't know about this until he had to put through a claim and the company wouldn't honor it. Needless to say he was a very unhappy camper. He now does business with the same company I do and feels he's being treated very well even though he's paying more.
Finally she comes down the main aisle of the store from the lawn & garden area!! I asked her if she had gotten lost since she was on the wrong end of the store for curtain rods, no, she said she had been looking for me!!! How could you miss a 6'2 inch man seated on top of a tall cart of lumber in the main aisle of the store?? I was so whizzed at this point that all I wanted to do was get the heck outta there, so we paid & left. I guess I'll go back later for the paint............alone!
I can't explain that Jeffrey. I doubt any male can.
As an example. Went to Lowes yesterday. We walked in, got a cart. Got light bulbs for the pot lights over the woodstove, looked at some laminate flooring, then walked over to lumber to get some boards to replace the deck railing and replace the wood on our metal framed picinic table. I grabbed one of the big wood carts for the wood and heard her mumble something about curtain rods. The poof, she was gone. I loaded up a half dozen treated 2x4's and some 2x10x8's and some steel corner braces and started back to the front of the store. Pushing the cart with her purse and the light bulbs, while dragging the cart with the lumber and braces. Past the aisle with the curtains, up to the paint department. (I was also wanting to get paint for the basement) After about 10 minutes I wound up seated on top of the lumber cart!
Oh, and later she went out to the grocery store for a roast for dinner (it's 10 minutes away) She returned 2 hours later with the roast, some paper towels and toilet paper. When I asked if she had to kill the cow to get the roast, all I got was a cold stare.
Shopping with the wife...........the ultimate time waster!!
. Needless to say I use to work in a clothing store doing maintenance....I asked why were the clothing racks circular....Answer, "the woman runs around and round the racks looking for a sale item in turn making them dizzy thus they spend more!
