No. of Recommendations: 2
Hi Fools... I come to you hat in hand seeking advice and condolences. My 1994 Honda Accord was stolen last night. (I recount the episode here -- -- and put out an APB in the Virginia-Maryland-DC area.) I of course hope that some kids took my car on a loving joy ride after which they parked it neatly in front of a police station with an envelope of cash that to cover the damage done to the ignition. Yeah, right.

Here's the kicker... I only have liability coverage with Geico. (Don't worry, my mother will take care of all the "I told you so's" in the coming days.) After calling the police I called Geico. The rep took down all the information and assigned me to an ajuster. The adjuster called this morning and left a very detailed message that essentially re-stated what I already knew: Without comprehensive coverage, theft is not covered nor is damage done to the car while it was stolen.

So... now what?
Was I right in calling my insurance company right away?
How long should I wait before giving up hope of recovery?
Do kids take cares to chop shops, or was this a probably a professional job?
Is there any workaround to the whole liability thing or should I just kiss goodbye any chance of getting a KBB-valued check made out to me from Geico?

Thanks for any insights you can provide. Now, I'm going to call and get my lashes from my mother.

Hoofin it for a while,
Print the post  


When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.