Stolen gear, who is liable????

[Newfie]

Or just tell him that your rate just went up. Recoup your loss in full from his pocket.

 

[NickfromWI]

I had about 6,000 dollars worth of stuff stolen from my car and am JUST about to settle with State Farm. Your first question was "who is liable." Under whose policy should this be filed? First off, I think the guy should replace it. Unfortunately the insurance companies don't listen to me much.

My girlfriend had a few things in my car that were also stolen. I included those things on the list. They did their research and determined that they were not MY items (her cell phone, pants, sweater and bra). They did not cover the items. They pointed out that my Renter's (home owner's) policy covers MY property.

It may be the case that your bosses policy covers HIS propery and if you plan to get any money back, YOU should contact your insurer. How much is your deposit and how much money's worth was it? That could make a difference as to whether or not I reported it.

love
nick

 

[Kneejerk Bombas]

Originally posted by NickfromWI
They did their research and determined that they were not MY items (her cell phone, pants, sweater and bra).

IT'S JUST TOO EASY!

 

[NickfromWI]

Yeah, too bad I don't wear women's clothes....maybe I woulda had a case!

I actually put up a fight for the victoria secret bra. I bought it and had a reciept for it. Those punks would pay for it because even though "I" bought it, I did not own it and did not use it.


That's okay. I will be recieving a check for a few thousand dollars in a few days and can buy her all the bra's she wants!

love
nick

ps- check your policies...they didn't cover my cd's! about 1500 dollars worth. There's all sorts of stuff they might not be covering for you.

 

[MasterBlaster]

I wouldn't be suprised if the douchbag WAS filing a report to his insurance co... and leaving YOU outta the mix.

He's not a dog... he's a snake!

 

[OutOnaLimb]

Fortunatly my girl friend is an insurance adjuster. Legally I could stick it to this guy for everything to include lost wages. But like I said I try to be a nice guy. I am just looking for some pointer and advice from you guys to build a stronger case when I confront him with the bill that he owes me.
Kenn

 

[MasterBlaster]

Just don't finish last.

 

[murphy4trees]

Whatever you and anyone else here does... I always recommend raising your prices.... I remember raising mine significantly a few years ago... I'd get psyched and cringe after throwing out the price.... only to hear back "when can you start?" time after time... Hey that's pretty easy.. And it pays well too...

 

[jmchristopher]

Just like Daniel to cut past the chase to the finish line!
Focus on the fun / profitable aspects of life and don't let the static distract you more than you can help.

 

[Jumper]

This guy sounds like he is going to cause you lots of grief-make a claim with your insurance company and get them to go after his if they think there is something there. Ans as suggested, raise your prices, and establish yourself asap.

 

[OutOnaLimb]

Thanks for the advise guys, Sorry I havnt been able to reply to all the posts on the forum, but I have been busy bidding out jobs and gettin my own thing running as well as making the goof ball some money. I am rockin now!!!! "All's well that ends well":Monkey:

 

[Robh]

I don't know why your buddies has a prob with adding your kit to his missing item list. Im going out on a limb here but im going to assume he already is going to report it to his insurance company anyways. So why would he have a prob doing rite thing?...Rob

 

[Chainsaw_Maniac]

What I find strange about this whole thing is that you (OutOnaLimb) have your own insurance and you could easily file a claim and recover the money for your stolen property. Of coarse your premiums might rise, but your boss's premiums would rise if he filed the claim under his name (and that's assuming he's even covered for someone else's stolen property).

So paying the $1500 isn't even the issue, it's just an issue of maybe paying more premiums.

Most people are looking at this from the employees standpoint, but few are looking at it from the bosses standpoint. From my own experince, if I was your boss, I'd file the claim under my own insurance if I was covered, but that's just me. Over the years I've had to foot the bill for a number of things people working for me have broken including (1) A guy breaking a spring and tire on his own trailer for which I reinbursed him even though he was driving it (2) Another guy driving his skidsteer onto that same trailer about 2 years later and slashing a tire on some screws that were sticking out even though neither machine was mine and i was driving neither.

So basically what I'm saying before i ramble on forever is that people need to look out for their own equipment and never entrust it to someone else unless they are prepared to live with the consequences without reimursment.

Nobody I've worked for has ever reembursed me for anything I've lost or broken that belonged to me. I very rarely lend anything to anyone and I always make the effort to gather up my own stuff and lock it up in my own building or vehicle. That's probably why nothign has ever been stolen.

 

[Robh]

Hermann,

No disrespect but I don't see it that way. Being my own boss and also an employee Im on both sides of the fence. His boss had his employee's gear. Its his responsibility to secure them. Look at it this way what if outonalimb had taken the work truck home and while in his driveway it was ripped off. Who do you think his company would blame for the loss? Im sure most companies would blame the employee. Now why is this not the same when the truck is ripped off while at the boss's house? Why should both guys accept a higher insurance rate cause his boss wasn't able to secure his tools. If he didn't want to responsible for the tools then he should have told him to take them home with him.