Bruzilla I dont live in a theft dirven area like florida so going to the extremes isnt needed. Its a Camaro.. there is no trunk its a hatch back.
I must say I find your choice of words pretty interesting given that you're the one sitting there with a busted window and $2,000+ worth of stuff missing. I'm thinking you probably shouldn't be casting disparaging remarks about other places being "theft dirven" when you seem to be the one having the theft problem. And I also can't help seeing the irony of a guy who's just been robbed saying the theft-prevention measures I mentioned aren't needed when all the evidence here points to the contrary.
Insurance is there for just this reason, but insurance isn't a safeguard. As you learned the hard way, every insurance policy is different, and if you lack the specific riders to cover every situation, you're never really protected. That's why you also have a role in being smart and taking actions to prevent the loss from ever occurring. Taking two minutes to put those items inside the building, or in the trunk, would have saved you $2,000+... that is cheap insurance. This is why I locked up anything worth stealing, trashed the interior, stopped washing the car two weeks before so it would be covered in pollen, and specifically told the shop owner to not cover the car like he normally does as covers signal something of value is underneath to thieves. I would rather have thieves walk by my car and see a worthless roller full of trash and go break into the nice covered Mustang down the row than fight with insurance companies or friends. But that's just me.
They headers are very specific to the engine plus they were 2" primaries... someone knew what they were and the Accusump as well.
After spending a few years with a sheriff's office, let me explain how thieves work. They are very opportunistic in nature, meaning they don't waste a lot of time plotting and planning things out. They go into an area where the risk is low and the potential rewards high, grab what they can, scoot back home, and resell what they can and trash what they can't. Younger thieves are usually dumber and will work neighborhoods where the risk of being seen or heard is higher, older thieves like working businesses and industrial parks where there's less chance of running into someone after the businesses close. Stolen car parts are easy money for thieves in any area, and a car sitting outside a closed business is easy pickings for them. They'll walk by, look in the windows, and if they see something that looks like it might have any value at all, they'll steal it. It doesn't matter how unique, or limited-purpose it is, to them. They steal first and worry about value later.
He did call the police and they did file a report but someone knew what they were after. Inside job? I just dont know. He isn't a close friend at all but has worked on my car before and none of this has ever happened. A neighbor heard the break in at 3am and called the police is how the story went.
I doubt this was an inside job. Someone on the inside would know for sure the headers were of limited value because of their applicability, so why take them? Plus car guys move in pretty small circles, and folks are going to notice if "Joe" suddenly turns up with a nice set of headers and an Accusump system on his car, or has them for sale. It's certainly possible, but nowhere near as likely as someone who was looking into cars seeing a nice pair of shiny new headers and parts in a car and deciding to steal them. The worst part is if the thief can't find a buyer for the headers, they'll end up in some scrap dealer's melt-down pile or worse just get tossed in the woods somewhere.
Yes I want at least half of my money back, if he wasnt properly insured then I am willing to meet him halfway.. cant get blood from a rock, but the fact he just doesnt recognize its his responsibility really makes me wonder. I paid him in full there was no discount. $2500 for R+R
Unless I get ugly I'm not recouping any money and no i dont consider him someone I cant trust anymore.
I'm sure you do want your money back. I would too. But this isn't an unusual problem. I've known more than a few guys who get uninstalled parts stolen out of their cars and end up being told they are not covered because they don't have the proper property theft riders on their insurance or because the parts weren't installed. I also know guys who didn't get reimbursed for parts that were installed because they had never declared them to their insurer and their insurance was based on the equipment on the car at the time the policy was taken out.
I would also bet that the first question the guy's insurance company, or a judge, is going to have is what measures were taken to prevent the theft, and when they hear the items were left in plain sight from outside the car, they're going to assign some measure of responsibility to you and the business owner. Most owners of auto businesses have signs up saying they are not responsible for any items stolen while your vehicle is on the premises, especially while it is not secured in their building. In most cases, he's not responsible for anything until that vehicle comes inside, which is why it falls upon you to take the appropriate action to protect your stuff.
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Good luck man. I hope you get satisfaction.
I do, and thanks again!