Asking the right questions. If one were to follow MAGA logic, she is clearly a member of MS-13 and needs to be deported to El Salvador without due process…or maybe this is an insurance claim scam?
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Doesn't matter if he owns it or not, sub-limits are sub-limits. If (when) this loss gets audited, it's more than their continued existence is worth to pay more than the sub-limit for the cash loss.
She probably has the bag and the Rolex endorsed separately on personal inland marine riders for high value collectables/jewelry, so she'd likely have coverage there for those.
But the cash loss likely won't pay out more than a couple hundred, tops.
I'm a personal lines property & casualty insurance underwriter, and I used to be a licensed p&c agent/broker before that. It's rare that my wheelhouse comes into play on here, but sometimes it does!
This isn't exactly fishy, just reckless & careless of her & negligent of her security.
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https://www.adl.org/resources/hate-symbol/13
I have my cello and French horn on a rider, since most homeowners policies have sub-limits on musical instruments that wouldn't match their values.
Doesn't matter if he owns it or not, sub-limits are sub-limits. If (when) this loss gets audited, it's more than their continued existence is worth to pay more than the sub-limit for the cash loss.
But the cash loss likely won't pay out more than a couple hundred, tops.
This isn't exactly fishy, just reckless & careless of her & negligent of her security.