Date: 28 April 1982 2319-EDT (Wednesday)
From: Gary Feldman at CMU-10A
To: Harry Bovik at CMU-10A
Subject:  insurance (car and homeowners)
Message-Id: <28Apr82 231946 GF20@CMU-10A>
Origin:  C410GF20 at CMU-10A; 28 Apr 1982 2319-EDT

I recently settled a claim with Erie Insurance Co., and I have the following
comments:

1. Theft of items from a car is NOT covered by my car insurance, and probably 
not covered under yours.  Fortunately, I also have renter's insurance, which
does cover such thefts.  (Items left in a car are only covered by the auto
policy if the entire car is stolen.  CB's, etc. are a special case.  I'm not
sure about theft of car parts (wheels, tires, batteries, etc.) but I am sure
that tools are not covered.)

2. My claim was for $226, minus $100 deductible.  The adjuster was very
appreciative of my complete itemized list.  He OK'd the claim in spite of the
fact that the evidence of tampering (my trunk lock had been jimmied) was
slight, and too inconspicuous to appear on photographs.  My valuations were
accepted without question, in spite of the fact that I could only furnish 
some of the necessary receipts (I was claiming full value on a number of items,
since they were only a few months old).

3. My claim was delayed by the New York City (and apparently NY State) 
bureaucracy.  The insurance company won't pay the claim until they get a copy
of the police report, and a call to NY revealed that they take about 4-5 weeks
to fill requests from insurance companies.  

Once NY came through, I got my check immediately.  I was totally satisfied with
the service I received from the insurance company (but I reserve the right to
change my opinion when it comes time to renew my policies).

  Gary