Clarion Follow-Up

Edited: January 14, 2021, 12:47 PM · I am a Clarion policyholder, and was concerned about my own ability to be protected after a recent post about an alleged theft of a violin.

A Clarion representative forwarded the following explanation regarding "unexplained disappearance" from an adjuster:

"She let me know that while we do not have a formal definition, they would defer to a commonsense definition of what it means when something mysteriously disappears. For example, I lost it, I left it somewhere accidentally, I just can’t find it… Whereas a theft is: I know I locked my car and left my laptop in the trunk and when I returned there was evidence of forced entry and my laptop was gone. Therefore, a police report was filed indicating a theft took place. She said they can even go as far to say, I left my laptop sitting on the table at Starbucks and when I realized it and went back to get it, it was gone. It was probably stolen, and I filed a police report, therefore it is a theft."

Replies (1)

January 14, 2021, 12:57 PM · That is basically the feeling I got from them too, except for the last part. They were dodgy on the last part about leaving it in a restaurant when I last talked to them.

My sense is that they want you to have done everything you could have done, given the situation. So, if it's in your car, then your car needs to have been locked. If evidence of forced entry is applicable to a given situation, then they want to that evidence to be there. If you left it at Hardees and it was gone when you went back for it, then they expect you to have filed a police report.


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