f*********n
发帖数: 11154 | 1 Handgun Magazine上看到的，关于枪支被盗和保险：
http://handgunsmag.com/tactics_training/stolen_guns_and_insurance_101910
March 2003, Artesia, Mississippi. Chris Vickery got the call that his
home had been broken into and arrived to find the front door knocked
down and a big mess inside. Thieves had made off with Vickery's laptop
computers, a camera and various other small items. They also emptied out
his gun safe.
...
Thieves also got a half-dozen shotguns and a rifle. Vickery was
understandably upset. But at least, he figured, his valuables were
covered by his homeowners insurance policy. Right? Not exactly. He
received a check for his computers and camera, plus repair costs for his
door.
"But I had around $10,000 worth of firearms stolen and got nothing from
my insurance company," Vickery says.
In the policy's small print, Vickery discovered that firearms were not
covered unless each one was listed individually with the insurance
company, complete with photographs and documentations of value.
...
"Unfortunately, this is usually how firearms owners find out they're not
covered--when it's too late," says Jeff Hewitt, a program manager with
Lockton Affinity, the insurance administrator that offers the ArmsCare
Plus Firearms Insurance program through the National Rifle Association.
Firearms insurance is a wise move. Consider that in the Federal Bureau
of Investigation's Crime in the United States 2008 report, approximately
$142 million in firearms were stolen that year alone. Stolen firearms
recovered? By value, less than 9 percent.
The first rule of insuring your firearms is to read your homeowners or
renters policy thoroughly and ask your agent to clarify anything you
don't understand. If you are buying a policy, inquire specifically
whether firearms are covered. Then get specifics of that coverage and
find out what sort of documentation you may have to provide.
Make sure you photograph all firearms. Document serial numbers, and,
with especially valuable firearms, get written, professional appraisals.
Keep these records in a safe place, preferably outside your home (in a
safety deposit box, for example).
Many homeowners policies do cover firearms, says Bill Wilson, associate
vice president of the Independent Insurance Agents & Brokers of America,
but "there is usually a sub-limit for theft losses," he says. "In the
standard homeowners policy, that sub-limit is $2,500, but it can be more
or less in the policies used by individual insurance companies."
Within that sub-limit, firearms are usually covered only if each firearm
is thoroughly documented with the insurer beforehand--as Vickery
discovered. That sub-limit is usually a total, too, with each individual
firearm allotted only $100 to $200 in coverage. Many insurers don't
cover guns at all.
The NRA automatically offers $1,000 in firearms insurance to all
members, with a $100 deductible, plus makes available the ArmsCare Plus
program.
The ArmsCare Plus firearms insurance provides NRA members with up to $1
million in coverage for firearms and accessories, with protection
against direct physical loss or damage such as fire, burglary or theft.
Theft from a vehicle is covered, too, when it's the result of breaking
and entering a locked vehicle or locked portion of a vehicle. Only
firearms valued at $2,500 or over must be documented in a separate
schedule, but serial numbers are not required. | o**d
发帖数: 3080 | 2 真要是枪丢了，除非是收藏品比如松鸡的枪，
真正的麻烦在于如何和被盗的枪撇清关系，到警察局报案就可以了吗？ | f*********n
发帖数: 11154 | | k**0
发帖数: 19737 | | l***a
发帖数: 2677 | 5 我记得这个还是要网上加入一下，我是前几个星期收到email做的。
“The NRA automatically offers $1,000 in firearms insurance to all
members, with a $100 deductible, plus makes available the ArmsCare Plus
program.” |
|
