I had some personal tools stolen from the csb of my work truck. They smashed the window to get in.
It's not a huge deal, it was like $250 wort. But my employer didn't seem to offer any coverage or advice.
They told me the deductible was higher than the cost of the payout, so it wouldn't be worth it. I didn't press further.
Which got me thinking, how do I cover my tools if it happens again.
I don't make a habit of keeping them in the cab. But there's nothing stopping someone from breaking the lock and raiding the back.
I have to park on the street outside my apartment. 100y away. So I don't even have a line of sight to my van. If that's relevant.
How to cover tools in my work truck
byu/braydenmaine inInsurance
Posted by braydenmaine
3 Comments
the easiest answer is don’t leave them in your car
you shouldn’t be filing small claims like that anyways. it’s your right to do so if you want to, but you will quickly lose more money than you receive as your rates go up every time and more and more companies refuse to do business with you for a bad claims history
You can always get an Inland Marine policy for it. But as the other commenter said just don’t keep stuff in your truck, ever. Your going to probably pay more for the policy itself than 250 worth of tools.
Basically when my clients ask me this i tell them exactly what you were told don’t keep stuff in your truck because this risk isn’t something you want to cover.
If you had personal tools or items stolen, that would have probable coverage under your home or renter’s policy, but probably not worth a claim for a small amount. If you have those policies, you should review it to see what coverage it provides for tools or other items of value, if they are not in your home at the time.