It is a common misconception that everything that is inside your vehicle is covered under your auto insurance policy in case of theft. The truth is that only the vehicle itself and attached equipment is covered under an auto insurance policy in Ontario Canada. While auto theft claims are an on-going event, there are certain things you should know before you load up your car with valuable merchandise and leave the car parked on the street overnight.
For example, if a person is taking a TV in for repairs and the car is stolen with the TV still inside it, the TV is not covered. So too, if you have been visiting relatives during the holidays, and have not emptied the trunk filled with gifts and your car is stolen, while the car is covered on your auto policy, those gifts are not covered on your auto policy.
If a person is away on holiday and has luggage and clothing in the car and the car is stolen, the luggage and clothing are not covered under the auto policy.
So how do you insure the contents in your car? Quite simply – items such as a TV, luggage, clothing, cell phones, laptop computers, and CD’s are covered under property insurance.
Therefore, if you have both property insurance and auto insurance, any auto theft claims will not cover the contents inside the vehicle, but your property insurance will cover the loss of these items. However, note that you need to pay the deductible on both policies in order to seek compensation for your losses.
There is one caveat, however. Let’s assume that the CD’s stolen along with your car fall under the deductible. You would have to decide whether or not it is worth it to pay the difference. This holds true for clothing, cell phones, and other items which may not exceed the deductible.
Unfortunately, if a thief wants to steal your car, they can take it in seconds because today’s car thiefs are sophisticated and aware of every new auto theft prevention item on the market today.
According to one Canadian source, here are the most stolen vehicles for 2007:
*1999 Honda Civic SiR 2-door
*2000 Honda
2004 Subaru Impreza STi 4-door. This model also had the highest theft claim costs.
Acura
Dodge
Audi
These sources also state that “none of the most frequently stolen cars are equipped with electronic immobilizers that meet the National Standard of Canada. According to the Insurance Bureau of Canada, regulations requiring all new cars, vans, light trucks and SUVs to come equipped with electronic immobilizers did not come into effect until September 1, 2007. The Honda Civic is a good example. Newer year models in which Honda did install immobilizers meeting the National Standard of Canada appear much lower on the list.
The next time you visit relatives, or go grocery shopping; check your car and trunk to ensure there are no valuables in the trunk or back seat. Prevention is the first line of defense against auto theft claims.
holiday auto
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Help answer the question about holiday auto
Is there any salary assocaited with being a auto sales rep or is it all commission?1. Any base Salary?
2. Benefits?
3. What is a Draw, and how does this work in sales?
4. Weekends, holidays?
5. What rep gets first dibs on customer that walks through the door?
I am thinking about getting into it and no nothing about this profession.
About Author
Liane Wood is a chartered insurance professional and registered insurance broker specializing in personal and small business insurance.
Visit her website at: www.Insurance-Rates.ca
Why the hell would you bail out? 10mph cushioned bump vs amputation death risk.
Don't mess around and pickup the rental at DIA and be done.
does AVS4you give you viruses??
First
Not everyone celebrates Easter and is of Christian faith. New York is one of the most diverse places in the world. Some people celebrate but will also attend the show. No where in the bible says that you should not attend the Autoshow because of Easter. There are no restrictions on what you can do on Easter Sunday as long as it is not sinful and I do believe attending the Autoshow is not a sinful act.
Second
The Autoshow is an international tour. It begins in Detroit and moves from city to city. As well, Jacob Javitz has traditionally been scheduled for other events…. The motorcycle show is the first two week of January. There are other shows like the home show, the consumer electronics show that are in there as well.
Third
Sales are not down on Easter. I'm sure if it was nonexistent they would have changed it. Don't you? NY Autoshow is one of the best attended autoshows in North America. Most people can only go to the show on Saturday or Sunday since they work M to F….
Whoever took this video is a real idiot!
So, you just sit there and wait for more wrecks instead of going up the hill to stop people from getting into them. Real Moron.
Some of the people were just fortunate they did not kill themselves by jumping out of the car.
You should be ashamed of yourself. It’s not a video game, it’s real life. Dummy.
Your U.S. insurance is just as valid in Canada as it is there. Same for Canadians driving in the States. By the way, Allstate operates in Canada as well.
First you need to do the burglary mission with 'Rider'. After the mission all you need to do is find a van, hop in and wait till midnight until a text box Tell's you that you can do the burglary mission.
I recommend finding a van between a group of large buildings across the street from you first girlfriend.
If you don't have one the its across the street between the first gym and the grove street bridge.
about 1000$
Lol you 100 % right.
It makes me laugh to watch them bail out.
Future nominees for the Darwin Awards.
Die Dumbasses, Die!
Whomever said that they could have stopped the accidents isn’t thinking. If you think about it, what would they have done to stop it? Are they Mr. Incredible? Let’s be reasonable here. I’m just glad that lady got out of the way before she got smashed~!
You thought this was great? look up A Real Car Crash
few things to consider…
1. how long are you going to be gone? if it's a week or less, just don't feed them. this sounds harsh but fish are not like humans. they can go a lot longer without food without any ill effects. just imagine in the wild… fish do not have someone feeding them everyday. this is why fish will eat until they explode. they are "programmed" to eat as much as they can because they don't know when the next meal is coming. feed them the normal amount of food right before you go and right when you come home.
2. if you're going to be gone over a week you might want a block feeder, but a better option would be to have someone come over and feed them. if that is not an option make sure the feeder you go is NOT CHALKY… the chalky kind have all kinds of stuff in them that will gunk up your tank and you quite possibly come home to dead fish
instead… find the GEL vacation feeders. these have a lot less nasty things in them, pretty much just gel and food.
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Lol true that. Did you notice how most people had there tires locked? Last thing you wanna do when sliding on ice is lock your tires.
Those are sent automatically by people's computers in response to emails. You can't stop them.
lol imagion a bugatti veyron came sliding down!!!=D
If you "need to know" then get a Beckett Guide and look it up like every other person over the age of 6.
What is it with you idiots who come in here asking these questions? You NEVER get a real answer in here anyway. You get morons making guesses so you end up wasting your time, their time and our time for reading it. Get a Beckett and quit wasting everyone's time.