[dylan604]

Getting robbed is just the opening salvo in getting fleeced. The second round is the insurance company. Yes, I know insurance fraud exists, so one way the insurance companies "protect" themselves is to issue a check for a fraction of the value of the items stolen. They know most people will not replace the stolen items. If you do replace the items, then you have to re-submit your claim with the receipt to show it was actually replaced. They will then decide if they want to reimburse the difference from the original payout.

You're also left pretty defeated with the lack of response from the police, then you have the beat down with the insurance company. Asking the individuals to go after a civil suit is just too much. Had I known about it, I might have done it. The police nor the insurance ever suggested this was possible. Even still, what are the odds of actually receiving any payment from a civil suit win?

[vkou]

This is why I don't insure my personal property. The probability of theft * the amount of payout will unlikely exceed the cost of insurance.

Generally, unless you know more then the insurer about your risk factors, and can afford to eat the loss, you should be self-insuring your stuff.

[jboy55]

My 'sue them' should have almost had a /s on it. It would be pointless suing someone with little or no assets. Its the only thing you can do, by yourself, within the courts as a private citizen.