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I hate thieves! #7593075 08/29/19 06:43 PM
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oldstyle244 Offline OP
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Woke up this morning and some scumbags stole my 4 wheeler and trailer. Right out of my driveway while we were asleep. We just moved into our house so I hadn't yet put up cameras or anything like that; haven't yet put up fencing and of course our dog has been at the trainer so no dog to warn us someone was outside.

Been stewing about it all day!

Last edited by oldstyle244; 08/29/19 06:44 PM.
Re: I hate thieves! [Re: oldstyle244] #7593080 08/29/19 06:48 PM
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bill oxner Offline
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Your home owners insurance should coverit.


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Re: I hate thieves! [Re: oldstyle244] #7593088 08/29/19 07:03 PM
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Maybe neighbors got something on camera.


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Re: I hate thieves! [Re: bill oxner] #7593090 08/29/19 07:04 PM
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oldstyle244 Offline OP
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That is what I thought, and they will for the trailer but they told me they normally don't for the 4 wheeler. you would need a separate policy for the 4 wheeler; they said they would call an adjuster to check but even if they did cover both, by the time you look at the deductible and the value of a 7-8 year old 4 wheeler (although in perfect condition) they said it probably wasn't worth the claim............

Re: I hate thieves! [Re: oldstyle244] #7593106 08/29/19 07:19 PM
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Sorry for your loss......hope they find it and put the guy away for a long time.


Cabin rental in Pagosa Springs, Co.
Sleeps 10, If interested please PM me.
Re: I hate thieves! [Re: oldstyle244] #7593110 08/29/19 07:25 PM
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hanged



Re: I hate thieves! [Re: oldstyle244] #7593128 08/29/19 07:44 PM
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That stinks.


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Re: I hate thieves! [Re: oldstyle244] #7593133 08/29/19 07:51 PM
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Originally Posted by oldstyle244
Woke up this morning and some scumbags stole my 4 wheeler and trailer. Right out of my driveway while we were asleep. We just moved into our house so I hadn't yet put up cameras or anything like that; haven't yet put up fencing and of course our dog has been at the trainer so no dog to warn us someone was outside.

Been stewing about it all day!


You had it loaded on the trailer sitting in your driveway?

Last edited by Cool Mo D; 08/29/19 07:53 PM.
Re: I hate thieves! [Re: NORML as can be] #7593140 08/29/19 07:56 PM
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Originally Posted by NORML as can be
Maybe neighbors got something on camera.


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Re: I hate thieves! [Re: Cool Mo D] #7593170 08/29/19 08:19 PM
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Originally Posted by Cool Mo D
Originally Posted by oldstyle244
Woke up this morning and some scumbags stole my 4 wheeler and trailer. Right out of my driveway while we were asleep. We just moved into our house so I hadn't yet put up cameras or anything like that; haven't yet put up fencing and of course our dog has been at the trainer so no dog to warn us someone was outside.

Been stewing about it all day!


You had it loaded on the trailer sitting in your driveway?

Don't come down on him for that, i have two neighbors who do e exactly that all year long. They just hook up when heading to the lease.


Cabin rental in Pagosa Springs, Co.
Sleeps 10, If interested please PM me.
Re: I hate thieves! [Re: oldstyle244] #7593176 08/29/19 08:27 PM
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What area and can you post some pics in case someone could possibly spot it.

Re: I hate thieves! [Re: oldstyle244] #7593195 08/29/19 08:41 PM
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Watch Craigslist.

Re: I hate thieves! [Re: oldstyle244] #7593234 08/29/19 09:12 PM
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Yes post pics and area if you have any or at least what it is. I’ll keep a look out

Re: I hate thieves! [Re: oldstyle244] #7593306 08/29/19 10:35 PM
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Originally Posted by oldstyle244
That is what I thought, and they will for the trailer but they told me they normally don't for the 4 wheeler. you would need a separate policy for the 4 wheeler; they said they would call an adjuster to check but even if they did cover both, by the time you look at the deductible and the value of a 7-8 year old 4 wheeler (although in perfect condition) they said it probably wasn't worth the claim............



That makes no sense. You are already paying a deductible for the trailer. Your loss is one claim on multiple things. One deductible.

Who is your insurance company?


Funny thing about getting older:
Your eyesight starts getting weaker but your ability to
see through people's BS gets much better.
Re: I hate thieves! [Re: oldstyle244] #7593311 08/29/19 10:40 PM
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Most home insurance policies will not cover 4 wheelers or tractors. You have to add a rider policy for them. And, its not cheap. Worth it if you have a new expensive wheeler but if your have old used then a lot of times its not worth the cost.


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Re: I hate thieves! [Re: Nathan at Fork] #7593316 08/29/19 10:45 PM
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Originally Posted by Nathan at Fork
Most home insurance policies will not cover 4 wheelers or tractors. You have to add a rider policy for them. And, its not cheap. Worth it if you have a new expensive wheeler but if your have old used then a lot of times its not worth the cost.



I get that for off property claims but sitting in the driveway I was told by my agent that any property loss would be covered separate under the homeowners policy.


Funny thing about getting older:
Your eyesight starts getting weaker but your ability to
see through people's BS gets much better.
Re: I hate thieves! [Re: pegasaurus] #7593324 08/29/19 10:57 PM
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I have a friend that has been an auto and home etc insurance guy since 86 and he says insurance guys are nearly broke and not making any money any more unless its riders and that type stuff. Says in 10 years most regular guys will be gone.

Re: I hate thieves! [Re: Nathan at Fork] #7593337 08/29/19 11:08 PM
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Originally Posted by Nathan at Fork
Most home insurance policies will not cover 4 wheelers or tractors. You have to add a rider policy for them. And, its not cheap. Worth it if you have a new expensive wheeler but if your have old used then a lot of times its not worth the cost.

I have mine insured and it’s cheap as hell.


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Re: I hate thieves! [Re: Cool Mo D] #7593904 08/30/19 03:23 PM
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oldstyle244 Offline OP
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Yeah, because we are leaving today to go to the lease. It had a hitch lock, not that that mattered.

Re: I hate thieves! [Re: pegasaurus] #7593906 08/30/19 03:24 PM
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Originally Posted by pegasaurus
Originally Posted by oldstyle244
That is what I thought, and they will for the trailer but they told me they normally don't for the 4 wheeler. you would need a separate policy for the 4 wheeler; they said they would call an adjuster to check but even if they did cover both, by the time you look at the deductible and the value of a 7-8 year old 4 wheeler (although in perfect condition) they said it probably wasn't worth the claim............



That makes no sense. You are already paying a deductible for the trailer. Your loss is one claim on multiple things. One deductible.

Who is your insurance company?


State Farm; they said 4 wheelers and tractors need riders/separate policies.

Re: I hate thieves! [Re: oldstyle244] #7593975 08/30/19 04:38 PM
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I just had a meeting with my insurance guy. I asked a lot of questions because I have a lot of things that wind up in my garage or in my yard from time to time. His take was that I had x amount of coverage for personal possessions, said it didn't matter if it was a gun, boat etc. as long as it was under the cap and I paid my premiums etc. it would be covered. I have farm bureau, might be different with others.


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Re: I hate thieves! [Re: pegasaurus] #7593981 08/30/19 04:42 PM
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Originally Posted by pegasaurus
Originally Posted by oldstyle244
That is what I thought, and they will for the trailer but they told me they normally don't for the 4 wheeler. you would need a separate policy for the 4 wheeler; they said they would call an adjuster to check but even if they did cover both, by the time you look at the deductible and the value of a 7-8 year old 4 wheeler (although in perfect condition) they said it probably wasn't worth the claim............



That makes no sense. You are already paying a deductible for the trailer. Your loss is one claim on multiple things. One deductible.

Who is your insurance company?


One claim for a ~$700-1000 trailer and a ~$1500 4wheeler likely won't get you to the 1% deductible.


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