So my car was broken into and a gps and radar detector were stolen from the center console. They were hidden, so someone had to see me driving the car at some point (or getting in/out.) Both recently purchased on the BofA amex, which claims to offer "retail protection" against items being lost, damaged, or stolen within 90 days.
So I call the claims dept, and they tell me that "stolen" doesn't include "stolen from a vehicle" but rather means "stolen directly from you under duress." OK, that's absurd enough, to have a policy that only protects your items from being taken directly from your hands.
So I ask if I can have a copy of the terms of the policy faxed to me, and they say no, call your card company for that. So I call the card company, and they tell me to call the claims department for that information.
Anyone know where this information is online? When you sign up for the card it just says 90 days of protection against lost/stolen/damaged items, which, quite frankly, I find incredibly misleading, even moreso without an asterisk explaining the limitations.
edit:
I will say the plain old amex plans are much more accommodating, so maybe I am spoiled. Should have put these things on one of those...
So I call the claims dept, and they tell me that "stolen" doesn't include "stolen from a vehicle" but rather means "stolen directly from you under duress." OK, that's absurd enough, to have a policy that only protects your items from being taken directly from your hands.
So I ask if I can have a copy of the terms of the policy faxed to me, and they say no, call your card company for that. So I call the card company, and they tell me to call the claims department for that information.
Anyone know where this information is online? When you sign up for the card it just says 90 days of protection against lost/stolen/damaged items, which, quite frankly, I find incredibly misleading, even moreso without an asterisk explaining the limitations.
edit:
I will say the plain old amex plans are much more accommodating, so maybe I am spoiled. Should have put these things on one of those...