Stolen Golf Clubs

[Krut]

I had my whole bag of golf clubs stolen out of my garage yesterday. I haven't talked to my insurance company yet about replacement, but I'm worried that they won't give me enough money to make a proper replacement. For example I had a Taylormade R7 460 driver which would take about $500 to replace it with a comparable club in today's standards but the club is only worth probably $250 today. My concern is that they will give me the money for the club's current value instead of their replacement value, which would lead to me not being able to golf for a while because I won't be able to pay the difference. Has anyone had any experience with this?

[pingman360]

I had my whole bag of golf clubs stolen out of my garage yesterday. I haven't talked to my insurance company yet about replacement, but I'm worried that they won't give me enough money to make a proper replacement. For example I had a Taylormade R7 460 driver which would take about $500 to replace it with a comparable club in today's standards but the club is only worth probably $250 today. My concern is that they will give me the money for the club's current value instead of their replacement value, which would lead to me not being able to golf for a while because I won't be able to pay the difference. Has anyone had any experience with this?

if they pay you the same as it costs today then wouldnt you be able to buy the same exact set you used to have??? hmm...

[Home-slicer]

if they pay you the same as it costs today then wouldnt you be able to buy the same exact set you used to have??? hmm...

No pingman, He means do they pay what they're worth today used or what it would cost to replace them. 2 different things. I don't see how the insurance co. would know the value of used clubs. If they ask, just give them new list prices. I really have no idea how that works.

[Krut]

if they pay you the same as it costs today then wouldnt you be able to buy the same exact set you used to have??? hmm...

No because I don't think many of my clubs are on the market still but they are only like two years old max. This is what I had:

Taylormade R7 460 Driver
Taylormade R7 3 Wood
Nickent 4DX Hybrid
Titleist 804 O.S. 3-PW
Titleist Vokey Oil Can 200 series 52* and 60*
Ping G5i CRAZ-E Putter

[pingman360]

No because I don't think many of my clubs are on the market still but they are only like two years old max. This is what I had:

Taylormade R7 460 Driver
Taylormade R7 3 Wood
Nickent 4DX Hybrid
Titleist 804 O.S. 3-PW
Titleist Vokey Oil Can 200 series 52* and 60*
Ping G5i CRAZ-E Putter

you can find all those on the market with the exception of possibly the 804's...

[Krut]

you can find all those on the market with the exception of possibly the 804's...

Which is my worry because if they only give me like $200 for them then I have to pay at least $400 out of pocket for new irons and being a student I can't afford that.

[pingman360]

well good luck... let us know how it works out...

[bjdrivers]

I fuking hate people that steal so bad. They are the lowest scum of the earth. I know there are worse things people do than steal but it really pisses me off. Sorry to hear about that Krut, that would make me sick.

[Krut]

I fuking hate people that steal so bad. They are the lowest scum of the earth. I know there are worse things people do than steal but it really pisses me off. Sorry to hear about that Krut, that would make me sick.

It sucks, but what can you do, it happens. I just hope I can get decent clubs in return and quickly also, I don't want to miss out on too much playing time.

[steeleri64]

Replacement cost insurance is just that. If your policy is that type then you are fine.

[neverman]

No he's not fine. Chances are they will devalue the clubs based on the number of years he has owned them. They don't make money being in the business of buying you "new" stuff when you get "old" stuff stolen.

If you have good records of what you owned your odds of getting good value go up. Remember, you had a couple dozen balls, a few gloves or more, possibly rain gear, tees, spikes, divot repair tool, bottle opener, towels, band-aids, advil etc... List it all baby, list it all.

I've been through a theft of my gear... It's painful how much they tell you your stuff s worth.

[Kiwi Player]

No he's not fine. Chances are they will devalue the clubs based on the number of years he has owned them. They don't make money being in the business of buying you "new" stuff when you get "old" stuff stolen.

If you have good records of what you owned your odds of getting good value go up. Remember, you had a couple dozen balls, a few gloves or more, possibly rain gear, tees, spikes, divot repair tool, bottle opener, towels, band-aids, advil etc... List it all baby, list it all.

I've been through a theft of my gear... It's painful how much they tell you your stuff s worth.

It also helps if you bought 'the latest, greatest gear' - just last month!

I know in this country (NZ) it depends on the policy (you need to read the fine print). Some policies will take the value of the clubs when you bought them and depreciate them and give you some BS value as at today e.g. they cost $1,000 but they are two years old so they are now worth only $500.

Other policies are 'Total Replacement' and replace the goods with brand new gear of equivalent value, no questions asked. As I said it depends on the fine print.

Good luck!

[bigpun1974]

If you have filed a police report get a copy and hit some of the pawn shops in your area. You might get lucky and get your clubs back and nail the donkey raping sh!t eater that stole your sticks.

[Omen2]

yes you tell those insurance cockroaches that you had scratch irons 1800 bucks, they were 6 months old, you had a titleist 907d4 800 bucks also 6 months old, you had scratch wedges, 4 of them at 240 each, you had a tour issue scotty cameron putter that was 800 bucks, you had a three and five wood any brand with the mitsushiba diamana shafts in each: the shafts alone were 250 bucks each. you had a staff bag that was 350 bucks, you also had 3 dozen prov1's at 50 bucks per dozen, etc. etc.

then when they finish devalueing your stuff you have enough for brand new great equipment and hopefully enough to hire a hitman to go find and shoot the rat ba.stard that stole your equipment and made you lie to reciever proper compensation

omen, sorry to hear about your bad luck: neverman is right though, had a friend in bmore that had your exact same thing happen to him. he was fortunate enough to get it returned but it had all been damaged.

[groundhogday]

sound like a good plan omen file a false police report, lie, defraud the insurance company, and risk jail. So much for honor and integrity. Omen do you have a foot wedge in your bag next that 2iron.

[Omen2]

im just giving him a way to get what is rightly due him, is it fair that if they catch the guy the judicial system, in all of its deluded views, will award the criminal more rights than the victim? No, at some point you have to play their game and make it work for you, big business is corrupt and finding ways to continually screw the everyman, it's only fair that you get compensated for what you have and if that's the only way to do it then so be it.
and as for the jail risk, how in the world would they prove you didnt have those clubs? As long as your identity isn't etched into the clubs you are in the clear, proving it fraudulant would be damn near impossible.

they guy said he's a student and he cant afford to cover the difference, is it fair that the insurance company, while making several million is so cheap that they short him? how is this wrong righted and he made whole other than in this manner?

Now if he were doing well and could afford to replace them that would be different.

Omen, no foot wedge or qoing quitely into the night.

[groundhogday]

im just giving him a way to get what is rightly due him, is it fair that if they catch the guy the judicial system, in all of its deluded views, will award the criminal more rights than the victim? No, at some point you have to play their game and make it work for you, big business is corrupt and finding ways to continually screw the everyman, it's only fair that you get compensated for what you have and if that's the only way to do it then so be it.
and as for the jail risk, how in the world would they prove you didnt have those clubs? As long as your identity isn't etched into the clubs you are in the clear, proving it fraudulant would be damn near impossible.

they guy said he's a student and he cant afford to cover the difference, is it fair that the insurance company, while making several million is so cheap that they short him? how is this wrong righted and he made whole other than in this manner?

Now if he were doing well and could afford to replace them that would be different.

Omen, no foot wedge or qoing quitely into the night.

So figjam golf is a game base on honor honesty and integrity, do you practice these traits on the course like you practice them in real life. YOU ARE PRICELESS

[Omen2]

of course, why wouldn't i?? i am also timeless.

make sure you give me full credit for everything. thanks for not phucking this up in the future.

Omen, super honest at golf, everything else as it so benefits me.

[groundhogday]

figjam a thief is a thief no matter if he walks into a garage and steals a set of club, or if he walks into the insurance company and lies.
Sorry figjam golf is like life sometimes its hard and you suck , sometimes its easy and you don't suck, but in the mean time one just tries to represent themselves honorably.

[DENNIS7180GOLF]

No he's not fine. Chances are they will devalue the clubs based on the number of years he has owned them. They don't make money being in the business of buying you "new" stuff when you get "old" stuff stolen.

If you have good records of what you owned your odds of getting good value go up. Remember, you had a couple dozen balls, a few gloves or more, possibly rain gear, tees, spikes, divot repair tool, bottle opener, towels, band-aids, advil etc... List it all baby, list it all.

I've been through a theft of my gear... It's painful how much they tell you your stuff s worth.

dont forget about that rolex that was in the jewelry pocket,that should help out a lot !!!!

[Home-slicer]

Sorry G-hog, but it's hard to feel sorry for the insurance companies. They have no problem taking money hand over fist, but when it comes down to the few rare times they have to pay out, they screw you royally.

[pingman360]

im pretty sure you need to have proof of purchase for the ins co to even look at the claim...

[Not a hacker]

Sorry to hear about your situaton Krut.
Here in Australia garage burglaries are a huge problem so I personally never EVER leave my golf clubs in the garage. They are always in a corner of the living room behind the lounge.

As for your insurance company, if you have purchased stuff on cards try to get bank statements that show the purchase. In Australia if you have receipts or proof of purchase you get the whole amount back, but if you don't you get screwed by their valuers.

Once again, good luck.

[neverman]

im pretty sure you need to have proof of purchase for the ins co to even look at the claim...

I didn't need any proof at all. Just my word and the police report. My golf stuff was nowhere near the value of my car stereo they took. All in all, I got screwed, thank God I also had home owners covering me (car was parked in garage).

[Krut]

I just got my new clubs and everything turned out alright after all. The insurance company gave me the replacement amount I requested ($2500) with almost no questions asked. Thankfully my parents have a good policy. I came out with a much better set than I started with.

Taylormade Tour Burner Driver
Tour Burner 15* 3 Wood
Nickent 4DX 18* Hybrid
Taylormade R7 Irons
Taylormade Z Smoke TP Wedges (52*&60*)
Taylormade Rossa Spyder Putter
Ogio Grom Bag
And I had enough left over to get 2 cases of ProV1x balls and a Adidas rain shirt. So I guess in the end I ad nothing to worry about, but I guess it pays off to have a good policy.

[neverman]

tsk tsk tsk... I can hear the fraud barrons screaming now.... You'll be judged someday for your actions, are you ready come judgement day?

Congrats on your new sticks.

[groundhogday]

neverman I don't particularly like insurance companies either, but my point is his good luck is your misfortune. You do know fraudulent claim cause everyones insurance to go up case in point are auto accidents where people who are not injured claiming injury, going to the hospital to get a check. thats my only point I try not to judge folks with the exception of anti hybrid people

[Omen2]

holy shi.t batman GROUNDFAGDAY you finally got something right. fraudulent claims dont go unpaid: they recoup all of these potential losses through increased rates: its the gay thing about social programs: those not enjoying them are the ones funding them.

Omen

[neverman]

Ummm, I said "tsk tsk tsk".... that was meant as a mild reprimanding. I also told him he would be "judged" someday, it doesn't get much worse than trying to get through those pearly gates and having to explain why you upgraded your clubs at the nations expense does it? Let alone MINE!!! He was almost bragging about his new sticks like we wouldn't notice that WE just bought them.

I would've been alright with him coming out even to slightly ahead (new clubs vs. old nicked stuff) but to upgrade across the board is downright thievery... I'm sure his parents were aware of what his actual stuff was and if so I'd question THEIR character as well. It explains alot.... in my eyes. That harsh and honest enough?