No they won't.fantacmet said:Any damage the thief does to others that I would normally be liable for my insurance will cover if they decide to cover the theft. I don't have a meganational insurance company for a reason.
No you can't. You can get coverage by buying a renters or home owner's policy.shooter said:Fyi. I've never seen a full coverage policy not cover contents. Be that as it may, you can probably get coverage for contents for a minimal addition to your premium.
Wrong.Airhead rider said:As for damage he causes others, definitely depends on the insurance...maybe even varies by state. I know my insurance is on the vehicle regardless of driver. I'm told even if it's an unlicensed driver. That can also suck as years ago I was driving my girlfriends truck and backed in to a city truck. I REALLY wanted to turn it in on my auto policy so it didn't go against hers and there was no way I could do that, again...the insurance is on the vehicle regardless of driver.
As for covering contents, that can also vary. Even my home owners policy has some exclusions for guns, cameras, collectibles, jewelry, etc. Basically just a way for them to offer competitive rates and you then have to "add on" to cover items on their list.
I'm kind of surprised your policy wouldn't cover engine and such if you could demonstrate the damage was a direct result of the theft. I would think that could be under vandalism but once again varies by policy.
fantacmet said:So while I was getting ready to go ot work some jackass jumped in my PP and drove off with it.
Anyone in Oregon or Southern Washington please keep your eyes out.