Chris Cortez

Unfortunately, they were barely-used SIDI carbon road shoes. (Had they taken my dirty ass mountain bike shoes, I'd be all "WooHoo! Shoe shopping!")

Fortunately, they only took the bag and its contents, and not the recently-rebuilt titanium road bike NEXT to the bag. I guess mounting the front wheel was too much trouble, at least for broad daylight.

Thanks to Thom for trying to figure it all out and yell at the insurance companies for me. My homeowner's deductible is too high to make it worth a claim, and I'm disinclined to expend any more energy scheming about it. People steal stuff. Their karma, not mine.

My lesson from all this: If this is the worst thing I have to deal with, even just lately, then I live a charmed life. Don't sweat the small stuff, y'all.

- c.

On Jun 11, 2013, at 2:28 PM, Mike Richardson wrote:

> So ... Um... How did you know they were mountain bike? And dirty? Just struck me funny!
>
> I'm sure you just know Thom S so you could guess.
>
> Mike
>
> On Jun 11, 2013, at 2:07 PM, matt Savage wrote:
>
>> So dirty ass mountain bike shoes and helmets have value? I must be sitting on a gold mine then...
>>
>>
>> On Tue, Jun 11, 2013 at 1:55 PM, Ken Luke wrote:
>> Yeah, I figured it was some variation of that Willie Sutton quote:
>>
>> "I rob banks because that's where the money is."
>>
>>
>> On Jun 11, 2013, at 12:44 PM, Rick Johnson wrote:
>>
>> > Or...
>> > Even though people might be thieves they are smart enough to know that if one is going to take the risk to steal stuff make sure it's nice stuff.
>> >
>> > Rick Johnson
>> > Bend, Oregon
>> >
>> > Every revolutionary idea seems to evoke three stages of reaction...
>> > One, it's completely impossible.
>> > Two, it's possible, but it's not worth doing.
>> > Three, I said it was a good idea all along.
>> >
>> > Arthur C. Clarke
>> >
>> > On 6/11/2013 12:26 PM, John wrote:
>> >> Maybe its the old saying "you don't P@#$ on your own doorstep"
>> >>
>> >>
>> >> John
>> >>
>> >> ------__o
>> >> ----_ \ {,
>> >> ---(_)/(_)
>> >>
>> >>
>> >> On Tue, Jun 11, 2013 at 12:26 PM, Ken Luke wrote:
>> >> Regarding question #1: This is my personal experience with my insurance company, but I've unfortunately had to file claims after two separate house break-ins. Our rates did not rise after either claim.
>> >>
>> >> Our insurance provider is State Farm, our agent is John Nogueira (we've been with him over twenty years).
>> >>
>> >> Regarding question #2, our two claims were within a decade and State Farm didn't say a peep about dropping us or making it hard for us to be insured elsewhere.
>> >>
>> >> So one thing to consider is that if you file a claim and your rates rise, look somewhere else.
>> >>
>> >> And this it totally off-topic, but we found it quite ironic that after living ten years in the 'bad' part of town with no problems, we've been broken into twice now that we live in a 'better' part of town…
>>
>>
>> ------------------------------------------------------------
>> Ken Luke kenl97216@gmail.com (971)207-6548
>>
>> "Complexity is easy; Simplicity is hard."
>> -- Edmund Keane
>> ------------------------------------------------------------
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
> _______________________________________________
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matt Savage

Semi-educated guess... He raced short track earlier in the evening and
all racers get a $2 beer at HUB afterwards...

The point I was trying to make with my sarcasm was that this was most
likely a crime of convenience and opportunity, snatch and grab. Rather
than the thieves knew exactly what they wanted and were after something of
notable value, as the other post's suggested.

I live on Mississippi, just blocks away. I guaranty you, you could leave a
Hefty bag full of dog shit with a $1 bill on top of it in the back seat of
your car. That one dollar bill as well as the entire bag of dog shit will
be gone in no time if left unattended, even in broad daylight. You should
see the piles of glass on Skidmore, across from Prost. That being said,
I've never had my pickup broken into since I've lived over here, but when I
owned a loft in The Pearl and had to park on the street I was broken into
no less than once a month. One night some dood just sat in there and
smoked cigarettes and stubbed them out on the floor. And I own a POS '84
Nissan pickup, talk about salting the wound...

On Tue, Jun 11, 2013 at 2:28 PM, Mike Richardson wrote:

> So ... Um... How did you know they were mountain bike? And dirty? Just
> struck me funny!
>
> I'm sure you just know Thom S so you could guess.
>
> Mike
>
> On Jun 11, 2013, at 2:07 PM, matt Savage wrote:
>
> So dirty ass mountain bike shoes and helmets have value? I must be
> sitting on a gold mine then...
>
>
> On Tue, Jun 11, 2013 at 1:55 PM, Ken Luke wrote:
>
>> Yeah, I figured it was some variation of that Willie Sutton quote:
>>
>> "I rob banks because that's where the money is."
>>
>>
>> On Jun 11, 2013, at 12:44 PM, Rick Johnson
>> wrote:
>>
>> > Or...
>> > Even though people might be thieves they are smart enough to know that
>> if one is going to take the risk to steal stuff make sure it's nice stuff.
>> >
>> > Rick Johnson
>> > Bend, Oregon
>> >
>> > Every revolutionary idea seems to evoke three stages of reaction...
>> > One, it's completely impossible.
>> > Two, it's possible, but it's not worth doing.
>> > Three, I said it was a good idea all along.
>> >
>> > Arthur C. Clarke
>> >
>> > On 6/11/2013 12:26 PM, John wrote:
>> >> Maybe its the old saying "you don't P@#$ on your own doorstep"
>> >>
>> >>
>> >> John
>> >>
>> >> ------__o
>> >> ----_ \ {,
>> >> ---(_)/(_)
>> >>
>> >>
>> >> On Tue, Jun 11, 2013 at 12:26 PM, Ken Luke
>> wrote:
>> >> Regarding question #1: This is my personal experience with my
>> insurance company, but I've unfortunately had to file claims after two
>> separate house break-ins. Our rates did not rise after either claim.
>> >>
>> >> Our insurance provider is State Farm, our agent is John Nogueira
>> (we've been with him over twenty years).
>> >>
>> >> Regarding question #2, our two claims were within a decade and State
>> Farm didn't say a peep about dropping us or making it hard for us to be
>> insured elsewhere.
>> >>
>> >> So one thing to consider is that if you file a claim and your rates
>> rise, look somewhere else.
>> >>
>> >> And this it totally off-topic, but we found it quite ironic that after
>> living ten years in the 'bad' part of town with no problems, we've been
>> broken into twice now that we live in a 'better' part of town…
>>
>>
>> ------------------------------------------------------------
>> Ken Luke kenl97216@gmail.com (971)207-6548
>>
>> "Complexity is easy; Simplicity is hard."
>> -- Edmund Keane
>> ------------------------------------------------------------
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
>>
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>
>

Andrew Osborn

On a side note...

My insurer (Safeco) sold me an insurance policy rider for each of my bikes for complete replacement value in the event any of them are stolen.  The total for all three bikes covered in this way is relatively cheap - around $100 a year, I think.  Talk to your insurer about a rider for your bike; happily I haven't had to use mine yet (all my bikes thefts occurred before I learned of this), but it definitely puts my mind at ease in bed late at night when I'm suddenly wondering if I forgot to lock the garage...

Andrew

And yes, how awesome is it that the extra bike coverage is called a 'rider?'

Mike Richardson

So ... Um... How did you know they were mountain bike? And dirty? Just struck me funny!

I'm sure you just know Thom S so you could guess.

Mike

On Jun 11, 2013, at 2:07 PM, matt Savage wrote:

> So dirty ass mountain bike shoes and helmets have value? I must be sitting on a gold mine then...
>
>
> On Tue, Jun 11, 2013 at 1:55 PM, Ken Luke wrote:
>> Yeah, I figured it was some variation of that Willie Sutton quote:
>>
>> "I rob banks because that's where the money is."
>>
>>
>> On Jun 11, 2013, at 12:44 PM, Rick Johnson wrote:
>>
>> > Or...
>> > Even though people might be thieves they are smart enough to know that if one is going to take the risk to steal stuff make sure it's nice stuff.
>> >
>> > Rick Johnson
>> > Bend, Oregon
>> >
>> > Every revolutionary idea seems to evoke three stages of reaction...
>> > One, it's completely impossible.
>> > Two, it's possible, but it's not worth doing.
>> > Three, I said it was a good idea all along.
>> >
>> > Arthur C. Clarke
>> >
>> > On 6/11/2013 12:26 PM, John wrote:
>> >> Maybe its the old saying "you don't P@#$ on your own doorstep"
>> >>
>> >>
>> >> John
>> >>
>> >> ------__o
>> >> ----_ \ {,
>> >> ---(_)/(_)
>> >>
>> >>
>> >> On Tue, Jun 11, 2013 at 12:26 PM, Ken Luke wrote:
>> >> Regarding question #1: This is my personal experience with my insurance company, but I've unfortunately had to file claims after two separate house break-ins. Our rates did not rise after either claim.
>> >>
>> >> Our insurance provider is State Farm, our agent is John Nogueira (we've been with him over twenty years).
>> >>
>> >> Regarding question #2, our two claims were within a decade and State Farm didn't say a peep about dropping us or making it hard for us to be insured elsewhere.
>> >>
>> >> So one thing to consider is that if you file a claim and your rates rise, look somewhere else.
>> >>
>> >> And this it totally off-topic, but we found it quite ironic that after living ten years in the 'bad' part of town with no problems, we've been broken into twice now that we live in a 'better' part of town…
>>
>>
>> ------------------------------------------------------------
>> Ken Luke kenl97216@gmail.com (971)207-6548
>>
>> "Complexity is easy; Simplicity is hard."
>> -- Edmund Keane
>> ------------------------------------------------------------
>>
>> _______________________________________________
>> OBRA mailing list
>> obra@list.obra.org
>> http://list.obra.org/mailman/listinfo/obra
>> Unsubscribe: obra-unsubscribe@list.obra.org
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

matt Savage

So dirty ass mountain bike shoes and helmets have value? I must be sitting
on a gold mine then...

On Tue, Jun 11, 2013 at 1:55 PM, Ken Luke wrote:

> Yeah, I figured it was some variation of that Willie Sutton quote:
>
> "I rob banks because that's where the money is."
>
>
> On Jun 11, 2013, at 12:44 PM, Rick Johnson
> wrote:
>
> > Or...
> > Even though people might be thieves they are smart enough to know that
> if one is going to take the risk to steal stuff make sure it's nice stuff.
> >
> > Rick Johnson
> > Bend, Oregon
> >
> > Every revolutionary idea seems to evoke three stages of reaction...
> > One, it's completely impossible.
> > Two, it's possible, but it's not worth doing.
> > Three, I said it was a good idea all along.
> >
> > Arthur C. Clarke
> >
> > On 6/11/2013 12:26 PM, John wrote:
> >> Maybe its the old saying "you don't P@#$ on your own doorstep"
> >>
> >>
> >> John
> >>
> >> ------__o
> >> ----_ \ {,
> >> ---(_)/(_)
> >>
> >>
> >> On Tue, Jun 11, 2013 at 12:26 PM, Ken Luke wrote:
> >> Regarding question #1: This is my personal experience with my insurance
> company, but I've unfortunately had to file claims after two separate house
> break-ins. Our rates did not rise after either claim.
> >>
> >> Our insurance provider is State Farm, our agent is John Nogueira (we've
> been with him over twenty years).
> >>
> >> Regarding question #2, our two claims were within a decade and State
> Farm didn't say a peep about dropping us or making it hard for us to be
> insured elsewhere.
> >>
> >> So one thing to consider is that if you file a claim and your rates
> rise, look somewhere else.
> >>
> >> And this it totally off-topic, but we found it quite ironic that after
> living ten years in the 'bad' part of town with no problems, we've been
> broken into twice now that we live in a 'better' part of town…
>
>
> ------------------------------------------------------------
> Ken Luke kenl97216@gmail.com (971)207-6548
>
> "Complexity is easy; Simplicity is hard."
> -- Edmund Keane
> ------------------------------------------------------------
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

Rick Johnson

Rick Johnson

Bend, Oregon

Every revolutionary idea seems to evoke three stages of reaction...

One, it's completely impossible. 

Two, it's possible, but it's not worth doing. 

Three, I said it was a good idea all along.

Arthur C. Clarke

Maybe its the old saying "you don't P@#$ on your
own doorstep"

John

------__o

----_
\ {,

---(_)/(_)

On Tue, Jun 11, 2013 at 12:26 PM, Ken
Luke <kenl97216@gmail.com>
wrote:

Regarding question #1: This is my personal experience with
my insurance company, but I've unfortunately had to file
claims after two separate house break-ins. Our rates did not
rise after either claim.



Our insurance provider is State Farm, our agent is John
Nogueira (we've been with him over twenty years).



Regarding question #2, our two claims were within a decade
and State Farm didn't say a peep about dropping us or making
it hard for us to be insured elsewhere.



So one thing to consider is that if you file a claim and
your rates rise, look somewhere else.



And this it totally off-topic, but we found it quite ironic
that after living ten years in the 'bad' part of town with
no problems, we've been broken into twice now that we live
in a 'better' part of town…







On Jun 11, 2013, at 11:06 AM, Thom Schoenborn <thomschoenborn@gmail.com>
wrote:



> I have a few questions for attorneys and folks who've
dealt with car insurance, homeowner's insurance, and
expensive bike stuff. Details below.

>

> While we were at HUB last night, my car was broken
into. Stuff was stolen from me and from a friend. My car
insurance policy has a $250 limit for items stolen, but only
for me. They won't cover my friends' things. Both of us lost
probably close to $1,000 in shoes, helmets, parts, bags and
other stuff.

>

> My insurance company says I can file with my
homeowner's policy, but they warned that my rates might go
up. How much? They wouldn't say — nice incentive, yes? Will
it go up 1%? Will it triple? We can't tell you, they say
ominously.

>

> 1: If I do file with my homeowner's policy, about how
much can I expect my rates to go up? I've never filed a
claim on my homeowner's insurance.

> 2: Is it true that if I have two homeowner's claims
inside, let's say 15 years, that no insurance company will
touch me? That I'll be, essentially, "uninsurable."

> 3: My friend is being very cool about it, and he's
checking to see if his car insurance policy will reimburse
him at all. Any tips?

> 4: What else should I be asking and doing so that I
don't feel like my insurance policy is totally cornholing
me?

>

> Thanks,

>

> Thom



------------------------------------------------------------

Ken Luke           kenl97216@gmail.com
        (971)207-6548



"Complexity is easy; Simplicity is hard."

 -- Edmund Keane

------------------------------------------------------------



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Unsubscribe: obra-unsubscribe@list.obra.org

John

Maybe its the old saying "you don't P@#$ on your own doorstep"

John

------__o
----_ \ {,
---(_)/(_)

On Tue, Jun 11, 2013 at 12:26 PM, Ken Luke wrote:

> Regarding question #1: This is my personal experience with my insurance
> company, but I've unfortunately had to file claims after two separate house
> break-ins. Our rates did not rise after either claim.
>
> Our insurance provider is State Farm, our agent is John Nogueira (we've
> been with him over twenty years).
>
> Regarding question #2, our two claims were within a decade and State Farm
> didn't say a peep about dropping us or making it hard for us to be insured
> elsewhere.
>
> So one thing to consider is that if you file a claim and your rates rise,
> look somewhere else.
>
> And this it totally off-topic, but we found it quite ironic that after
> living ten years in the 'bad' part of town with no problems, we've been
> broken into twice now that we live in a 'better' part of town…
>
>
>
> On Jun 11, 2013, at 11:06 AM, Thom Schoenborn
> wrote:
>
> > I have a few questions for attorneys and folks who've dealt with car
> insurance, homeowner's insurance, and expensive bike stuff. Details below.
> >
> > While we were at HUB last night, my car was broken into. Stuff was
> stolen from me and from a friend. My car insurance policy has a $250 limit
> for items stolen, but only for me. They won't cover my friends' things.
> Both of us lost probably close to $1,000 in shoes, helmets, parts, bags and
> other stuff.
> >
> > My insurance company says I can file with my homeowner's policy, but
> they warned that my rates might go up. How much? They wouldn't say — nice
> incentive, yes? Will it go up 1%? Will it triple? We can't tell you, they
> say ominously.
> >
> > 1: If I do file with my homeowner's policy, about how much can I expect
> my rates to go up? I've never filed a claim on my homeowner's insurance.
> > 2: Is it true that if I have two homeowner's claims inside, let's say 15
> years, that no insurance company will touch me? That I'll be, essentially,
> "uninsurable."
> > 3: My friend is being very cool about it, and he's checking to see if
> his car insurance policy will reimburse him at all. Any tips?
> > 4: What else should I be asking and doing so that I don't feel like my
> insurance policy is totally cornholing me?
> >
> > Thanks,
> >
> > Thom
>
> ------------------------------------------------------------
> Ken Luke kenl97216@gmail.com (971)207-6548
>
> "Complexity is easy; Simplicity is hard."
> -- Edmund Keane
> ------------------------------------------------------------
>
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org
>

Mark J. Ginsberg

fear based decision making is the friend of the people holding the money.
namely, your insurance company.

if you don't make a claim, they don't have to pay.

if you do make a claim, they may have to pay.

look at your rates, how much do you pay per year? $100? $1000?

if they raise your rates 10% from $100 to $110, but they paid you $1000. they will make back the payment in only 100 short years. the math may differ is you have a deductible or if the loss is larger.

I see a lot of people afraid to use their insurance b/c of fears of rate increases and I genuinely believe this fear based decision making keeps people from using their insurance when they need it.

Now the other questions is which insurance will cover the loss.

for both you and your cool friend (well all Thom's friends are cool, I am sure) it is each of your own renters/homeowners insurance.

I will call them homeowners from here forward, but both of these policies cover your personal property from theft, fire, etc.. So your cool friends stuff is covered on HIS homeowners and your stuff is covered by your auto then your homeowners policy.

It is possible that your insurance company may want to raise your rates or drop you, but you can always go to another company. My new fangled TV tells me that there are a lot of companies who say they want to take my money, but this will somehow save me money, so I'd not worry about being uninsurable. BUT you can always leave before they drop you, and if you think they are going to drop you, the act like a jilted high schooler and leave them before they can leave you. That way you can honestly say that you have never been dropped by an insurance company. really.

M

 
Mark J. Ginsberg
Berkshire Ginsberg, LLC
Attorneys At Law
1216 SE Belmont St.
Portland, OR 97214
(503) 542-3000
Fax (503) 233-6874
markjginsberg@yahoo.com
mark@berkshireginsberglaw.com
www.berkshireginsberglaw.com

________________________________
From: Thom Schoenborn
To: OBRA List
Sent: Tuesday, June 11, 2013 11:06 AM
Subject: [OBRA Chat] car break-ins and insurance

I have a few questions for attorneys and folks who've dealt with car insurance, homeowner's insurance, and expensive bike stuff. Details below.

While we were at HUB last night, my car was broken into. Stuff was stolen from me and from a friend. My car insurance policy has a $250 limit for items stolen, but only for me. They won't cover my friends' things. Both of us lost probably close to $1,000 in shoes, helmets, parts, bags and other stuff.

My insurance company says I can file with my homeowner's policy, but they warned that my rates might go up. How much? They wouldn't say — nice incentive, yes? Will it go up 1%? Will it triple? We can't tell you, they say ominously.

1: If I do file with my homeowner's policy, about how much can I expect my rates to go up? I've never filed a claim on my homeowner's insurance.
2: Is it true that if I have two homeowner's claims inside, let's say 15 years, that no insurance company will touch me? That I'll be, essentially, "uninsurable."
3: My friend is being very cool about it, and he's checking to see if his car insurance policy will reimburse him at all. Any tips?
4: What else should I be asking and doing so that I don't feel like my insurance policy is totally cornholing me?

Thanks,

Thom

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