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Author: TMFSchool Two stars, 250 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 17919  
Subject: My Car Was Stolen -- Now What? Date: 10/13/2004 3:37 PM
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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 -- http://www.fool.com/News/mft/2004/mft04101319.htm -- 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,
Dayana
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