Craig Bennett wrote:
>
> I was with a group going to Salt Lake City a few weeks ago over
> spring break. Outside of Denver our Ford Excursion collided with a
> van that lost control. Everybody was ok, but the filter broke on the
> front of my 28-70. I thought that I could just take the filter off
> and everything was ok, but I got the prints back today and everything
> is blurry.
>
> My question is what can I do from here? The car insurance doesn't
> cover it since it wasn't bolted down or a part of the car. Do
> homeowner's policies cover this type of thing? Can Canon fix the
> lens by realigning it? The lens was in my bag when we wrecked so I
> don't know how it broke, but cosmetically it looks fine.
>
> Thanks for you help. I am just terribly saddened that my 6 month old
> L lens is wrecked and I am still paying it off on my college budget.
Craig, I am a property and casualty insurance agent and have sold
homeowners policies since 1965. Your state may be different, but in NC,
all homeowners policies cover damage from a collision if you are not a
professional. Basically, if you earn your living with your camera, it
is not covered for free. An occasional wedding or commercial job will
not stop you from being covered. Most homeowners policies pay full
replacement cost for a new replacement. Some only pay Actual Cash Value
(Replacement Cost minus Depreciation). There is usually a $250.
deductible. The deductible can be lowered to $100. for an additional
premium or raised to $500, $1000, $2500 or even higher allowing for a
reduction in premium. If you have more specific questions, you may
e-mail me privately and I'll try to answer your questions about
insurance coverages. It's probably Off-Topic. Ray Amos
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