Bruz I'm not going to go through your diatribe paragraph by paragraph but the short of the long is this:
I live in small town Oregon and havent locked my car door parked on the street in 14 years and have never had anyone break in or take anything. The car was in Washington at a shop when the stuff was stolen from the car. Washington has a higher crime rate. Higher population ( no pun intended)
The stuff was in the car as it was getting installed back into the car and most shops will do the same thing. The $2000 worth of stereo equiptment was not touched and its an easy extraction. Nothing but specific things were taken.
yes Florida is a cesspool of crime and lack or integrity and morals.. its proven daily .. there is no comparison between crime in Oregon and crime in FLA. You couldnt pay me to live in that state. No offense meant by it, its not personal. We wont even talk about the political corruption.
I'll just say thank you for your help. No need for futher input, you've said more than enough and have been more than helpful
You know 99ss, I get that you're mad and upset, but being rude and insulting isn't going to get you anywhere. The situation you're in is one I've seen or read or heard about dozens and dozens of times over the years. It's a horrible situation to be in because the party who's ultimately responsible for giving you the reparations you demand, the thief, will likely never be held to account unless the cops get really lucky. So now you're wanting to lash out at insurance companies, the business owner, or anyone else to get some sense of satisfaction. I get that too. Sadly, when these situations are discussed on forums like this, the discussion is as predictable as an old I Love Lucy rerun. First the discussion is all about how rotten insurance companies are, then the talk turns to filing lawsuits and suing someone, and then you get a lot of "hope things work out for you" comments, none of which are very helpful.
To the first point, insurance is not a cure-all for every situation. Unless you and the second party has the right coverage with the right riders, no amount of caterwauling or whining about insurance companies is going to help you. This is why it's important to take steps to prevent crimes like this from occurring and you failed to do that. While there's nothing you can do to take back what happened, you can learn from your mistake and not do it again.
To the second point, you're going to have a very hard time getting anywhere in court. Unless you have a lawyer on retainer, and I'm guessing you don't, they're not going to be interested in pursuing a case where the award will be $2,000. They make their money from punitive awards for negligence, and you're going to have a tough time making a case for negligence. Even worse, a lawyer will likely charge you $2,000 or so to take your case, so you'll likely be out the value of your property and your attorney fees. Yes, you can add the attorney fees to any award you get, but that's only if you win the case and you really don't have a case against the shop owner, especially if he had an indicated policy that he's not responsible for theft or damage to property left on his premises.
Most likely, you'll get referred to small claims court, and you'll plead your case to a judge, and the first thing the judge will ask about is if you practiced due diligence in protecting your property, such as keeping it out of sight in the trunk. Once you say you left it out in plain sight of any passerby, most judges will say you did not employ due diligence. Then he/she will talk to the shop owner and look into what they did, and if they show they had adequate lighting, and placards or other notices clearly stating the limits of their responsibilities, then the judge will find they did exercise due diligence and your case will be dismissed.
If you really want to take some action that might actually help you, quit talking lawsuits, quit badgering the shop owner, and work with the guy to catch the jagoff who's actually responsible for all this. The thief that robbed you will be back. Ask the owner if he has some old parts he could do without and that he could leave in an unlocked car outside the building. Also ask him to leave something laying on the parts that needs to be removed to get the parts out, something like a metal bar or a plastic rail section. Make sure that item, the door handles, window glass, and doors are wiped clean to remove any fingerprints. Since the thief got lucky at that location once, he'll come back to see if he can score again, and if he does he'll hopefully leave some nice clean prints for the cops to use.
And that will be my last input on this matter. If you want to make yourself feel better by talking about potential lawsuits, so ahead, but it won't get you anywhere besides ticking off the shop owner to the point where he won't be interested in helping you. Try working with him instead of against him.