photography equipment insurance
Helping Another Photographer?
The middle of June, my car was totaled in a wreck. Still a little sore but healing fine.
Some insurance companies don’t consider photography an art form, and are seem to run & hide when asked to insure cameras, et al.
My two Nikons were “lost” and upon approaching the insurance agent about them, they became “dumb” saying I was the only thing inside the car. Yesterday, the salvage yard called, and asked me to reclaim my personal property before they dismantled the car. Asking about the cameras, they said there’s only personal property in the console. I know that, and cameras can’t fit in there.
The whole point is the insurance company ripped me, and nobody seems to know anything about cameras, and the bag, in a wrecked car. So now, I’ve got to buy another car, and cameras. I’ve got a car spotted, but need help from others to help me replace my equipment. I’m 59, and this is the first time I’ve ever asked anyone for help, like this. I’m a member of IFPO, too-without cameras!!
Did you read the fine print in your policy and are you absolutely SURE the cameras are not covered? Were you on assignment and can prove the equipment would have been in the car?
Also, check your homeowner’s insurance. I have heard of instances where lost personal property was covered by a home policy.
Let your local police have the serial numbers of your equipment in case the items show up.
Lastly, check the Better Business Bureau and see if the salvage yard has had any complaints about ‘missing’ items.
Guide to Photography : How to Start a Small Business in Photography
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