Truck and Tools Stolen – Loss of wages coverage, moving expenses

UPDATED: Oct 14, 2020

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My truck was stolen and all my tools inside the job box’s as well, I know Insurance co will only cover 2500 cause there tools and consider them to be business related, here’s my question. #1 my dad died and I inherited some tools as well, very close to my heart and were only in the truck cause he had just died. They are obligated to cover that right? #2. If this put me out of work and made me move are they responsible to help in loss of wages or moving expense”

Asked July 31, 2018

1 Answer

1) The insurance company will still cover the tools that you lost that was inherited from your father. This is mainly because your insurance company doesn't focus on how you got the tools. Also, the tools you inherited can be was able to be used as work tools so, there is no way to say that they were not being used for that.

2.) Insurance companies having different types of coverage plans. However, your insurance company will cover your truck since it was stolen. It will not cover the moving expenses or your loss wages because you were not hurt in the process of your truck being stolen. You can contact the car insurance company and get a rental vehicle to use while they file the claim for the stolen truck. Your insurance company will give you a time frame up to 30 days so that, they can investigate the claim of your truck being stolen.

Answered August 1, 2018 by InsuranceStar

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