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Has anyone used Purchase Security for stolen items on a credit card? My bf bought an item online for $400. It arrived but it was poorly packaged by the vendor and damaged so he wanted to return it. The vendor arranged to have DHL pick it up.
DHL notified us they were going to pick it up today so we put it out on our porch (delivered items are frequently left on our porch). We looked out a little while later and the box was gone. Then a little later DHL came by to pick it up. So it was stolen! We called DHL to confirm that they had not picked up the item.
The item was purchased with a Visa Signature card, which has Purchase Protection for damage or theft up to $500. My bf called Visa and is in the process of filling out a claims form now.
I very seriously doubt that. I'm no insurance expert, but I've never heard of an auto policy that covered you even when you've committed an act of gross negligence like that. You have responsibilities beyond paying your premium every month.
Would your car insurance buy you a new car if you told them you left the keys in the ignition and it was stolen?
Most policies will cover the theft. Theft coverage is usually written to cover the vehicle being stolen, not how easy it was for them to steal it. There are some of the discount policies that may include some wording about securing the vehicle just to complicate the claim process. Additionally, some state insurance laws require an exclusion like that to be separately noted and accepted by the policy holder. However, your point is a valid question.
UPDATE: The claim for the stolen item was approved and they will be reimbursing us for the purchase price.
Great. Thanks for the update.
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