Pictures of my new rig...
- Thread starter RW James
- Start date
Gearjoneser
Gear Ho
Re: Pictures of my new rig...
Glad to see you're back in business. How'd the insurance thing work out? And what about the other issue with the car/guitar burglary?
Glad to see you're back in business. How'd the insurance thing work out? And what about the other issue with the car/guitar burglary?
RW James
New member
Re: Pictures of my new rig...
I gave my insurance company three itemized lists - all items with full list price (ebay price if out of production) - all items with "street" price (that is, Musicians Friend or ebay) - all items with "street" price and reasonable replacement price (not ebay). The highest was of course the first list with full price.
They (State Farm) were really cool about it. They were very concerned about ripping me off. But they said they could only give me 90% of value. So they gave me 90% of the full list price - which ended up higher than either of the other two. Then they said to keep a list of all receipts, and if it went over what they gave me, I could send them a bill and they would cover it. I actually came in (with the help of the guys here) a couple of hundred under.
As for the guitar that was stolen. The guy's mother told me to go get a replacement and she would pay for it. Their deductible was higher than the guitar. I got the specs of my Takamine and took them into my local Guitar Center. They showed me a few guitars - but I ended up with almost the same model Takamine but with a better preamp, and abalone trim, and it cost $200 more than my previous guitar. I'm very happy with that.
I gave my insurance company three itemized lists - all items with full list price (ebay price if out of production) - all items with "street" price (that is, Musicians Friend or ebay) - all items with "street" price and reasonable replacement price (not ebay). The highest was of course the first list with full price.
They (State Farm) were really cool about it. They were very concerned about ripping me off. But they said they could only give me 90% of value. So they gave me 90% of the full list price - which ended up higher than either of the other two. Then they said to keep a list of all receipts, and if it went over what they gave me, I could send them a bill and they would cover it. I actually came in (with the help of the guys here) a couple of hundred under.
As for the guitar that was stolen. The guy's mother told me to go get a replacement and she would pay for it. Their deductible was higher than the guitar. I got the specs of my Takamine and took them into my local Guitar Center. They showed me a few guitars - but I ended up with almost the same model Takamine but with a better preamp, and abalone trim, and it cost $200 more than my previous guitar. I'm very happy with that.
Tor
Riffologist Extraordinaire
Re: Pictures of my new rig...
That's great to hear. We do hear a lot about greedy insurance companies, but it's nice to see that there are also some that do an excellent job out there..
That's great to hear. We do hear a lot about greedy insurance companies, but it's nice to see that there are also some that do an excellent job out there..
d1dsj
Cornographer
Re: Pictures of my new rig...
It's a sad story that's turned good! Nice to see a genuine claim going through somewhat properly and that YOU weren't treated like a criminal as happens in lots of insurance claims. Regarding that board, it's really cool... I'll be trying to get hold of one as soon as I can. The bottom line bro is that it's all turned out good for you, enjoy your new rig. All the best.
It's a sad story that's turned good! Nice to see a genuine claim going through somewhat properly and that YOU weren't treated like a criminal as happens in lots of insurance claims. Regarding that board, it's really cool... I'll be trying to get hold of one as soon as I can. The bottom line bro is that it's all turned out good for you, enjoy your new rig. All the best.
