Ray Amos wrote:
>
> 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
> *
Ray,
I don't know about off topic but it is interesting and it is informative
since the subject of insurance coverage for our EOS gear is frequently
brought up.
Thanks,
Bob
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-73 de Bob [EMAIL PROTECTED]
Everybody has a photographic memory. Some just don't have any film.
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