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Sonny Pruitt
Joined: 02 Sep 2006
Posts: 449
Location: Mahwah,NJ
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| Posted: Fri Oct 13, 2006 9:48 pm Post subject: Is your $$$$$$ Quaalcom covered by insurance |
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| More than likely its not. |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 9:51 pm Post subject: |
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| Did you find out the Hard way? |
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Sonny Pruitt
Joined: 02 Sep 2006
Posts: 449
Location: Mahwah,NJ
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| Posted: Fri Oct 13, 2006 9:58 pm Post subject: |
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| No but I driver I used to work with had an accident and was charged 2500 for the quaalcom and found out it was not covered |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 10:00 pm Post subject: |
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| That's outrageous-Wouldn't that be considered under Contents of the Truck on the Policy? |
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Sonny Pruitt
Joined: 02 Sep 2006
Posts: 449
Location: Mahwah,NJ
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| Posted: Fri Oct 13, 2006 10:02 pm Post subject: |
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| no for some reason the quaalcom is not covered you need a separate rider |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 10:03 pm Post subject: |
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that's strange
So it's on a Electronics Rider? |
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Sonny Pruitt
Joined: 02 Sep 2006
Posts: 449
Location: Mahwah,NJ
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| Posted: Fri Oct 13, 2006 10:11 pm Post subject: |
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I am not sure what specificly would cover it but he is leased to Triple Crown and has their insurance (they are not self insured ) and was informed the q-com is not covered under his policy.
I would imagine that others are the same. |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 10:14 pm Post subject: |
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| I never had Qualcomm on any truck i owned or with companies I've driven for but that just plain sucks. |
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Sonny Pruitt
Joined: 02 Sep 2006
Posts: 449
Location: Mahwah,NJ
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| Posted: Fri Oct 13, 2006 10:28 pm Post subject: |
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| If you have one check, you too may be surprised |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 10:33 pm Post subject: |
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I'll bet that alot of people would be surprised with what's on their Policies until something like what you said happens.
I suppose your buddy did some checking into this with a Lawyer? |
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Rev.Vassago
Joined: 04 Apr 2006
Posts: 5163
Location: Green Bay, WI
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| Posted: Fri Oct 13, 2006 10:48 pm Post subject: |
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yoopr wrote: That's outrageous-Wouldn't that be considered under Contents of the Truck on the Policy?
You would be surprised how many policies don't cover the contents of the truck, or won't cover any aftermarket electronics that are installed in the truck (including TV's, stereos, qualcomm, etc).
This should be a wake up call to O/O's to check their policy to make sure they are covered.
I've heard of people having to get a homeowners (or renters) policy to cover the contents of the truck. |
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yoopr
Joined: 01 Dec 2004
Posts: 12866
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| Posted: Fri Oct 13, 2006 11:03 pm Post subject: |
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I've heard of people having to get a homeowners (or renters) policy to cover the contents of the truck.
Yeah-I've heard that too |
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RostyC
Joined: 21 Oct 2005
Posts: 1018
Location: Maryland
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| Posted: Sat Oct 14, 2006 6:15 am Post subject: |
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| Renters insurance is cheap too so it would be beneficial to have it. |
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Truckdobe
Joined: 15 Feb 2004
Posts: 235
Location: Gaffney, SC
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| Posted: Sat Oct 14, 2006 6:21 am Post subject: |
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My insurance covers anything that is installed in the truck automatically and covers any other items that I remember to tell them about. I just keep the receipts so there aren't any questions about how much the items cost.
It is worth checking b/c lots of insurance carriers will try not to cover as much as possible. |
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GMAN
Joined: 13 Feb 2005
Posts: 9282
Location: Tennessee
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| Posted: Mon Oct 16, 2006 11:34 pm Post subject: |
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| There are a number of exclusions to some insurance policies. My comprehensive policy doesn't even cover my side kit, tarps, etc., unless I add a ryder. It is too expensive so I don't have those items covered. I would have expected that my side kit would at least be covered. You need to read every word of your insurance policy so that you know what is covered. |
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