T Nation

What Would You Do? Car Break-In

I am at work this morning and during when I was in my office my car was broken into.

Now I could rig up some kinda revenge device, so if it happens again I could at least take some comfort that the thief go his.

I did how ever tell my boss and fellow co-workers about it.
All that was missing was a change cup and some cologne. Less then 100$ worth in property.

Personally I don’t want to report it. No real harm done. Just some change and cologne for the times I stink to badly. Also don’t want to deal with the police about it. Some poor chump has to fill out paper work. Blah blah blah and if they happened to catch them in other parking lots I might have to go to court. Just something I don’t want.

But now my bosses boss and co-workers are saying I should report it. And are kinda looking at me like why haven’t I reported it. They are kinda being disapproving of my decision. Everyone knows that in an office appearances are everything.

So would you report it?

Company car? Then yes.

Personal car - it’s none of their business. Just tell them you did but don’t really if it bothers you that much.

This post was flagged by the community and is temporarily hidden.

Sorry to hear that dirtbag - sucks.

Report it, get a crime number and then forget about it whether it’s a company car or your own.

For the simple reason… It adds to the polices’ crime figures (alright only a little) but mainly if this is happening in one particular area with the same MO it gives them a better chance to apprehend the slime that screwed your car over.

My 93 year old gran got robbed by a cunt confidence trickster last year and she wasn’t going to report it. As she said it was only £200.00 - I talked her into speaking to the police and off the back of her statement and minor amounts of evidence found at the scene they caught the fucker and put him away.

After he’d gone down (it was reported about in the local paper) another dozen or so people called the police to say they had been had over too.

If they’d spoken up sooner, maybe my gran wouldn’t have been robbed.

Who is your insurance company?

I would immediately ask a bunch of people on an internet bodybuilding forum what they would do.

[quote]GCF wrote:
I would immediately ask a bunch of people on an internet bodybuilding forum what they would do.[/quote]

Wow, thanks for the original statement.

Its a community, douchbag. If you don’t like it… leave.

Report it. If they broke in around the lock assembly check out Jimmi Jammers. Had my truck broken into last year. Lost my GPS and a few incidentals. Report any electronics if you have serials etc… Garmin placed my unit that was stolen on their system so that if anyone ever tries to get it repaired or it will get returned to me.

[quote]River_Master wrote:
Report it. If they broke in around the lock assembly check out Jimmi Jammers. Had my truck broken into last year. Lost my GPS and a few incidentals. Report any electronics if you have serials etc… Garmin placed my unit that was stolen on their system so that if anyone ever tries to get it repaired or it will get returned to me.[/quote]

River Master, if electronics or anything traceable were stolen or anything that you would for sure make a claim on, that is good advice provided you do not have any previous claims.

In Ontario, in the city where the OP lives, they have what are called Police Reporting Centres. I was the Insurance part of the outfit for almost a decade. The Insurance Companies that have contracts with the Centre are able, at any time, to request any of your reports whether you make a claim or even report it to your agent/broker. Guess what that means? If they decide to check up on you and find too many reports, you are a high risk to insure and your rates go up. If you’ve had previous claims, it’s a given.

If the OP feels that strongly about reporting it so that there is a higher police presence in the area, then whatever floats your boat. Just know that this is usually a shit job given to an Officer that is insubordinate and the likelihood of him being enthusiastic about watching out for your car may surprise you.

My advice is, this type of occurrence (in this particular area) must be reported within 24 hours but they will allow up to one week. Go through the car, make sure nothing else was stolen. If it’s something you wouldn’t make a claim on - forget about it.

If there was damage done to your car that you’d make a claim on, have estimates before you report it. Know before you do if you’re claiming. If you do claim, forget about insignificant belongings stolen from the car. Unless it’s permanently affixed to the car, such as a stereo, speakers, it is not covered under you car insurance but would be considered contents, therefor two separate claims. Not worth it.

Very confusing, I know but there is a lot more to it and the Insurance Company is not your friend. There is a reason why it is one of the top three most profitable businesses.

[quote]MsM wrote:
River_Master wrote:
Report it. If they broke in around the lock assembly check out Jimmi Jammers. Had my truck broken into last year. Lost my GPS and a few incidentals. Report any electronics if you have serials etc… Garmin placed my unit that was stolen on their system so that if anyone ever tries to get it repaired or it will get returned to me.

River Master, if electronics or anything traceable were stolen or anything that you would for sure make a claim on, that is good advice provided you do not have any previous claims.

In Ontario, in the city where the OP lives, they have what are called Police Reporting Centres. I was the Insurance part of the outfit for almost a decade. The Insurance Companies that have contracts with the Centre are able, at any time, to request any of your reports whether you make a claim or even report it to your agent/broker. Guess what that means? If they decide to check up on you and find too many reports, you are a high risk to insure and your rates go up. If you’ve had previous claims, it’s a given.

If the OP feels that strongly about reporting it so that there is a higher police presence in the area, then whatever floats your boat. Just know that this is usually a shit job given to an Officer that is insubordinate and the likelihood of him being enthusiastic about watching out for your car may surprise you.

My advice is, this type of occurrence (in this particular area) must be reported within 24 hours but they will allow up to one week. Go through the car, make sure nothing else was stolen. If it’s something you wouldn’t make a claim on - forget about it.

If there was damage done to your car that you’d make a claim on, have estimates before you report it. Know before you do if you’re claiming. If you do claim, forget about insignificant belongings stolen from the car. Unless it’s permanently affixed to the car, such as a stereo, speakers, it is not covered under you car insurance but would be considered contents, therefor two separate claims. Not worth it.

Very confusing, I know but there is a lot more to it and the Insurance Company is not your friend. There is a reason why it is one of the top three most profitable businesses.[/quote]

Good post.

I had my van broken into… twice. The bastards took my car stereo with 10 band EQ (damaging my dashboard in the process), a toolbox, a stiletto switch blade, some change.

I reported both times so I could collect insurance money on damage the fuckers did to my vehicle.

I am not reporting it. It lots of hassle for some spare change and some cologne. I really have nothing of value in my car to steal. But if it happens again. I will report it.

[quote]MsM wrote:
River_Master wrote:
Report it. If they broke in around the lock assembly check out Jimmi Jammers. Had my truck broken into last year. Lost my GPS and a few incidentals. Report any electronics if you have serials etc… Garmin placed my unit that was stolen on their system so that if anyone ever tries to get it repaired or it will get returned to me.

River Master, if electronics or anything traceable were stolen or anything that you would for sure make a claim on, that is good advice provided you do not have any previous claims.

In Ontario, in the city where the OP lives, they have what are called Police Reporting Centres. I was the Insurance part of the outfit for almost a decade. The Insurance Companies that have contracts with the Centre are able, at any time, to request any of your reports whether you make a claim or even report it to your agent/broker. Guess what that means? If they decide to check up on you and find too many reports, you are a high risk to insure and your rates go up. If you’ve had previous claims, it’s a given.

If the OP feels that strongly about reporting it so that there is a higher police presence in the area, then whatever floats your boat. Just know that this is usually a shit job given to an Officer that is insubordinate and the likelihood of him being enthusiastic about watching out for your car may surprise you.

My advice is, this type of occurrence (in this particular area) must be reported within 24 hours but they will allow up to one week. Go through the car, make sure nothing else was stolen. If it’s something you wouldn’t make a claim on - forget about it.

If there was damage done to your car that you’d make a claim on, have estimates before you report it. Know before you do if you’re claiming. If you do claim, forget about insignificant belongings stolen from the car. Unless it’s permanently affixed to the car, such as a stereo, speakers, it is not covered under you car insurance but would be considered contents, therefor two separate claims. Not worth it.

Very confusing, I know but there is a lot more to it and the Insurance Company is not your friend. There is a reason why it is one of the top three most profitable businesses.[/quote]

Thanks MsM :wink:
Thats part of the reason I don’t want to report it. There is nothing to claim. No damage done. If it happens again, then I will speak up to the cops.

[quote]dirtbag wrote:
MsM wrote:
River_Master wrote:
Report it. If they broke in around the lock assembly check out Jimmi Jammers. Had my truck broken into last year. Lost my GPS and a few incidentals. Report any electronics if you have serials etc…

Garmin placed my unit that was stolen on their system so that if anyone ever tries to get it repaired or it will get returned to me.

River Master, if electronics or anything traceable were stolen or anything that you would for sure make a claim on, that is good advice provided you do not have any previous claims.

In Ontario, in the city where the OP lives, they have what are called Police Reporting Centres. I was the Insurance part of the outfit for almost a decade.

The Insurance Companies that have contracts with the Centre are able, at any time, to request any of your reports whether you make a claim or even report it to your agent/broker. Guess what that means? If they decide to check up on you and find too many reports, you are a high risk to insure and your rates go up. If you’ve had previous claims, it’s a given.

If the OP feels that strongly about reporting it so that there is a higher police presence in the area, then whatever floats your boat. Just know that this is usually a shit job given to an Officer that is insubordinate and the likelihood of him being enthusiastic about watching out for your car may surprise you.

My advice is, this type of occurrence (in this particular area) must be reported within 24 hours but they will allow up to one week. Go through the car, make sure nothing else was stolen. If it’s something you wouldn’t make a claim on - forget about it.

If there was damage done to your car that you’d make a claim on, have estimates before you report it. Know before you do if you’re claiming. If you do claim, forget about insignificant belongings stolen from the car.

Unless it’s permanently affixed to the car, such as a stereo, speakers, it is not covered under you car insurance but would be considered contents, therefor two separate claims. Not worth it.

Very confusing, I know but there is a lot more to it and the Insurance Company is not your friend. There is a reason why it is one of the top three most profitable businesses.

Thanks MsM :wink:
Thats part of the reason I don’t want to report it. There is nothing to claim. No damage done. If it happens again, then I will speak up to the cops.[/quote]

Not a problem;)

If you do go that route, try speaking with Constable Hansen aka Constable Handsome. He is the best guy there now, IMO. He will advise you and process/not process your report based on what you want and your best interests.

Some of the others will look for any excuse to get out of doing more paperwork. They are the minority but they are there.

If you ever have to report anything, PM me first and I’ll give you the low-down on who to talk to.

Was there damage to the car?

About a year ago someone smashed in one of my windows but didn’t steal anything. I spent a morning filling out forms but the police said it was just vandalism and they didn’t have any real evidence to go off of.

My insurance didn’t cover it, so kind of a bummer.

I think that people finding out they don’t have the correct coverage is a common issue. Many don’t fully examine or even understand what they are signing when they decide on a contract. I will give you an example, if you called my centre, of the questions I would ask you.

  1. Do you have comprehensive, theft/vandalism coverage?

  2. If you do, what is your deductible?

  3. What damage is there to the vehicle? (I then assess based on the year, make, model of the vehicle whether or not it’s worth it. If it’s a brand new Lexus - it’ll have coverage, a leased vehicle has coverage…a 20 year old Oldsmobile, probably not.)

  4. Was there anything stolen from your vehicle?

  5. Have you had any estimates done?

Based on the answers that I receive, I can almost always judge whether it’s worth your while.

Some things that are not worth claiming:

Glass only damage. The window, unless custom, will not cost more than your deductible so your insurance will not cover it unless you have specified a lower deductible (the default amount is $500)

If you have a facility (or high risk) policy, don’t do it. That is end-of-the-road insurance. If that company cancels your policy (which they can), nobody will touch you with a 10" pole.

If the damage+amount stolen is only a few hundred dollars more than your deductible, don’t claim it. Your rates will go up more than the difference you’ve saved by making a claim.

A little note to people that have direct insurance companies

Did you know that second you call your insurance company, they automatically open a claim file whether you make a claim or not? That means that your rates can be affected regardless. It is always best to have an agent or broker to represent you. It is in their best interest to keep you as a client.

What I am going over now, should be the things that they go over with you.

Sorry for the hijack, dirtbag. I should just start an insurance thread.

[quote]MsM wrote:
I think that people finding out they don’t have the correct coverage is a common issue. Many don’t fully examine or even understand what they are signing when they decide on a contract. I will give you an example, if you called my centre, of the questions I would ask you.

  1. Do you have comprehensive, theft/vandalism coverage?

  2. If you do, what is your deductible?

  3. What damage is there to the vehicle? (I then assess based on the year, make, model of the vehicle whether or not it’s worth it. If it’s a brand new Lexus - it’ll have coverage, a leased vehicle has coverage…a 20 year old Oldsmobile, probably not.)

  4. Was there anything stolen from your vehicle?

  5. Have you had any estimates done?

Based on the answers that I receive, I can almost always judge whether it’s worth your while.

Some things that are not worth claiming:

Glass only damage. The window, unless custom, will not cost more than your deductible so your insurance will not cover it unless you have specified a lower deductible (the default amount is $500)

If you have a facility (or high risk) policy, don’t do it. That is end-of-the-road insurance. If that company cancels your policy (which they can), nobody will touch you with a 10" pole.

If the damage+amount stolen is only a few hundred dollars more than your deductible, don’t claim it. Your rates will go up more than the difference you’ve saved by making a claim.

A little note to people that have direct insurance companies

Did you know that second you call your insurance company, they automatically open a claim file whether you make a claim or not? That means that your rates can be affected regardless. It is always best to have an agent or broker to represent you. It is in their best interest to keep you as a client.

What I am going over now, should be the things that they go over with you.

Sorry for the hijack, dirtbag. I should just start an insurance thread.

[/quote]

Thats ok …should be info everyone should know. No offence but insurance companies are evil mofo’s

[quote]dirtbag wrote:
Thats ok …should be info everyone should know. No offence but insurance companies are evil mofo’s[/quote]

They should but they don’t.

I know. That’s my whole point.