Poll on DVX Insurance
- Thread starter kenackr
- Start date
dustino
Well-known member
kenackr said:
Someone trips over your cable and paralyzes their back. Some klutz knocks over one of your lights and broken glass ends up in someone's eye blinding them. This list could last forever, of course.
That said, I just have a simple policy through State Farm called a "personal articles policy" insuring only my camera for $3500. It costs less than $50 a year.
Johnnyfive
Well-known member
1. Yep
2. Don't know in the US
3. I got world-wide coverage, including traveling on planes (read the fine print, some policies wont cover when you check baggage!) Also really read the policy well, mine won't cover damage due to terrorism/political motives, nuclear bombs/fallout... go figure!
4. $220 a year for 10k worth of equipment.
2. Don't know in the US
3. I got world-wide coverage, including traveling on planes (read the fine print, some policies wont cover when you check baggage!) Also really read the policy well, mine won't cover damage due to terrorism/political motives, nuclear bombs/fallout... go figure!
4. $220 a year for 10k worth of equipment.
mjmcneese
Veteran
I was forced to get liability to get into a couple locations...and a couple clients required that I be insured, too. So, having it enabled me to add on a couple clients...paid for itself.
But...if I weren't required to have it, I probably wouldn't...depends on how you have yourself set up for taxes.
But...if I weren't required to have it, I probably wouldn't...depends on how you have yourself set up for taxes.
deadpirate2
New member
dustino said:
I'm going on a sailing trip and am taking my DVX. do you think this kind of policy would cover possible water damage? what does yours cover? I really want to bring my dvx and it's the only nice camera I've got, but I'm starting to freak out a bit about bringing it with me... i've only had it 4 months and I would hate to lose all that money.
chris f
Veteran
this article might help: http://www.skateperception.com/articles/articles.php?article=float
after reading this article i called my insurance company and pretty much got the same deal. i forget what company i have, but my company didn't call it float, i actually forget what they called it, but it covers anything that leaves your house/apartment. i ended up getting about 5 grand covered for about an extra 100 a year and it completely covers everything theft, losing it, breaking it, etc.
after reading this article i called my insurance company and pretty much got the same deal. i forget what company i have, but my company didn't call it float, i actually forget what they called it, but it covers anything that leaves your house/apartment. i ended up getting about 5 grand covered for about an extra 100 a year and it completely covers everything theft, losing it, breaking it, etc.
morten
Well-known member
This whole discussion about liability insurance just shows how f*cked up the american legal system is. why is it that the first thing anyone thinks about when someone gets hurt is how to drain as much cash as possible out of it? that's a sign of something being very very wrong with the system. if you get hurt, you get treatment.
illustration to prove point:
exhibit 1: My grandmother slipped on the sidewalk outside a hotel in new york. the hotel panicked, had her shipped off to a hospital, paid her a wad of money to prevent her from talking to the press and forced her to sign a piece of paper saying she would never sue them for damages int he future.
exhibit 2: same grandmother slips on the sidewalk outside a hotel in Oslo, Norway. an ambulance is called, no money is exchanged, no papers are filed, she is treated and released.
what's the difference? my grandmother being norwegian did not have health insurance (because you don't need it - it is provided by the government) but had travel insurance that paid for all her expenses in the States. so the hotel paid her extra money and demanded she sign a piece of paper saying she wouldn't sue them later because had she been american she would have sued them.
tempting to say that this proves americans are greedy opportunists but that would be wrong on a day like today. so instead I'm going to say that the american health and legal systems are flawed and should be revised.
if someone hurts themselves stumbling over your gear, it's their own fault unless you set it up in such a way that you intend for people to stumble over it. Unfortuantely common sense doesn't apply in the US so liability insurance is paramount unless you want to end up owing some greedy person and his lawyer money for the rest of your life.
illustration to prove point:
exhibit 1: My grandmother slipped on the sidewalk outside a hotel in new york. the hotel panicked, had her shipped off to a hospital, paid her a wad of money to prevent her from talking to the press and forced her to sign a piece of paper saying she would never sue them for damages int he future.
exhibit 2: same grandmother slips on the sidewalk outside a hotel in Oslo, Norway. an ambulance is called, no money is exchanged, no papers are filed, she is treated and released.
what's the difference? my grandmother being norwegian did not have health insurance (because you don't need it - it is provided by the government) but had travel insurance that paid for all her expenses in the States. so the hotel paid her extra money and demanded she sign a piece of paper saying she wouldn't sue them later because had she been american she would have sued them.
tempting to say that this proves americans are greedy opportunists but that would be wrong on a day like today. so instead I'm going to say that the american health and legal systems are flawed and should be revised.
if someone hurts themselves stumbling over your gear, it's their own fault unless you set it up in such a way that you intend for people to stumble over it. Unfortuantely common sense doesn't apply in the US so liability insurance is paramount unless you want to end up owing some greedy person and his lawyer money for the rest of your life.
Another thing to keep in mind about insurance is that they will quote you a different rate if they think you are using this for profit in some sort of business capacity. I suppose you could fib and tell them its for personal use and use it to earn money, but you may find yourself on a slippery slop if you submit a claim and they start asking questions surrounding the claim. I would prefer to pay more for a business type coverage and be legit when it came time for a claim. My two cents anyway.
kenackr
Well-known member
I finally decided to look around my area and see who could insure my DVX and associated gear.
It turns out that AAA could do it for about $70 a year as a named item to a renter's policy with them. The coverage is essentially "all risk" (including mysterious disappearances) for the stated cost of the gear ($5k includes camera, matte box, tripods, cases, filters, etc,etc). If I drop it off a building or a bridge,etc it's also covered.
The renter's policy was in addition to the $70 / yr for the camera gear and it included full replacement cost of house hold items.
So I'm insured with them now and sleeping easier!
Ken
It turns out that AAA could do it for about $70 a year as a named item to a renter's policy with them. The coverage is essentially "all risk" (including mysterious disappearances) for the stated cost of the gear ($5k includes camera, matte box, tripods, cases, filters, etc,etc). If I drop it off a building or a bridge,etc it's also covered.
The renter's policy was in addition to the $70 / yr for the camera gear and it included full replacement cost of house hold items.
So I'm insured with them now and sleeping easier!
Ken