Car broken into

bowen

If some of you have read the SE++ thread I just started you'll note my car was broken into. I left it unlocked because I'm a moron (the one time in my long history of owning a car that I didn't lock the damned doors). A few things missing, nothing major.

Cell phone charger, with a 5 footish cord
Cell phone headset
Kitty litter
About $20ish in change from my coin stash
Ice scraper

I've already filed a police report.

On the side of safety I've close my checking and savings accounts and reopened them and placed a freeze on my credit. I don't expect anything to come from that as they had left my paystub in the car, while they probably maybe jotted down the information, I doubt it. Maybe they took another one that I had dropped under the seat but not remembered if I had pulled it up. At worst this had my bank account # and last 4 digits of my SSN.

I'm waiting on the police report before I file an insurance claim to both my cell phone insurance and my car insurance/renters insurance (apartment property).

Should I be taking any more precautions or am I forgetting anything?

Crashtard

They stole kitty litter? Wow. In other news, as long as you changed bank accounts and the numbers are different you should be fine. You can't do much with only the last 4 of someone's SSN unless you have specifics about someone's accounts that I know of. If they didn't take the paystub laying in plain you wouldn't think they'd take one that was under a seat. One thing you might want to do is warn your employer (if you're using direct deposit) that someone that's not you might try to change your bank account info. That's about all I can think of.

bowen

Didn't think about that, but went ahead and did that. Thank you.

ApexMirage

Why're you filing a claim? You've not listed anything worth claiming, and since the doors were unlocked I'm assuming there was no physical damage to the car? Unless there's something I'm being oblivious to?

Preacher

Yeah unless your deductable is like twenty dollars, your insurance won't cover anything.

Doc

Filing a claim against renter's insurance won't do anything besides possibly increase your rates, that is.

Thanatos

Even if your deductible were low enough to make it worth it, they're not going to pay out on a claim unless you they had to force their way into a vehicle (i.e. they'd have to break a window). Give up on that one.

OremLK

Agreed about not bothering with the insurance. I wouldn't expect the police to do anything either. Other than that, it sounds like you've got everything covered. Needless to say, take it as a lesson learned and don't leave it unlocked anymore.

Oh, and seriously. Who goes to the trouble to steal a couple phone accessories, some change, and kitty litter?

saltiness

OremLK wrote: »

Agreed about not bothering with the insurance. I wouldn't expect the police to do anything either. Other than that, it sounds like you've got everything covered. Needless to say, take it as a lesson learned and don't leave it unlocked anymore.

Oh, and seriously. Who goes to the trouble to steal a couple phone accessories, some change, and kitty litter?

Drug addicts. I had my car rifled through (my roommate left it unlocked so it wasn't broken into). They took all my change, my tape adapter and an old rusty golf club I had in my trunk for some reason. If they can get a buck for something at the pawn shop, they'll take it.

Lord Yod

You'll definitely want to file the police report, that way there will be a record of vehicle break-ins in the area. Makes it easier for the cops to do their jobs down the line, even if they don't specifically help you get your stuff back.

OremLK

Yeah, didn't mean to sound like he shouldn't file, just to be aware that they're probably not going to do anything about it.

bowen

Oh yeah, it's covered under all my insurances though. I probably won't slap it on my car insurance but my renter's and cell phone insurance covers it. My renter's insurance has a ridiculously low deductible for some reason, and my cell phone insurance will cover everything fully.

bowen

Excluding the kitty litter and ice scraper and change.