Legal Question in Insurance Law in California
Personal property claim
My girlfriend and I live have lived together for 2 years. She just picked me up from the airport and we stoped by a store to make a purchase. Her car was stolen along with my laptop, suite case and flight bag. Her home owners insurance covers personal property stolen in the car, but we were told my items were not covered due to the fact that we werent married. Is this true? Is there any type of recourse I can take?
2 Answers from Attorneys
Re: Personal property claim
Are you on the policy? Are you listed as a "named insured?" All insurance policies have an "insuring agreement" that states what is covered. For personal property, this is Coverage "C." It usually says that it will cover the insured's property and the property of others while it is on part of the residence premises occupied by the insured and it will cover property of guests while on part of the residence premises occupied by the insured.
In other words, they will cover your girlfriends property anywhere in the world, and anyone else's property at the house.
What should you do? You should check with your auto policy. Some companies, such as CSAA, usually provide some coverage for personal property stolen out of a vehicle. You can read more about this at my blog, www.calpiblog.com
If you need someone to review the denial letter from the insurance company (they are required to send you one) please feel free to contact my office.
Re: Personal property claim
An insurance policy is a contract. The terms and conditions of the contract determine what is and is not covered. Ask them to tell you in writing what specific clauses of the insurance contract state why not everything is covered. If you need help understanding the insurance contract, call a local business or insurance attorney.
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