|Quoting AirMalta (Reply 9):|
but can u cheat and you say you left it so that u claim money or a new body?
|Quoting Scbriml (Reply 10):|
Yes, you could. You would also be guilty of fraud.
Well, there's the whole dilemma. The adjuster is going to ask you a TON of questions: did you sell it? Was anyone considering buying it? What kind of pictures did you take with it? Were there pictures in it? What kind? When did you take them? They are trying to make you stutter and pause, and if they think you stutter too much, they won't allow the claim. Of course, you also have to file a police report (if, like my mother, you forget it somewhere and it's gone when you return, that is still theft) and prove that you purchased the camera (original receipt or forget the claim).
Of course, if you "forget" your gear a few times, you'll be seen as a bad risk and your insurance cost will go through the roof.
I once had a camera stolen out of my car. The only time the car was alone was in front of a ski rental shop in Banff and I was gone for all of 60 seconds. Didn't notice til I got home that my day pack was missing from the car, and my camera was in that pack. Filed a police report and called insurance - they were great! The camera was no longer in production, so insurance agreed to buy the next model up, which was over double the price of my original. They called the camera store, had them drop ship the camera directly to me, and paid the camera store directly. The other stuff in the pack was about the same amount as my deductible, so I paid for that. The camera store even gave us a huge discount since I had purchased the original camera through them.
A friend had an opposite experience: he bought a quad and loaded it up with extra carrying racks, handlebar heaters, foot guards, etc. It was only a couple months old when someone stole it right out of his driveway. His insurance was terrible - they only allowed him the "depreciated" value of his quad, and they wouldn't pay for any of his extras. Even though everything was installed by the dealership, and he had the receipt to prove it, his insurance company said he couldn't prove the extras were still on the quad when it was stolen.
Back to your original question AirMalta - how can anyone prove anything was stolen? Gear is stolen out of hotel rooms, unlocked cars, house break-and-entries (don't ya hate it when you come home and your front door is unlocked... and you wonder, did I do that???). And let's say you're walking through a park taking night pictures - someone grabs your camera and runs, and there are no witnesses - did it really happen? Between pure fraud and outright theft, there has to be a middle ground where your insurance company will help out.