this post was submitted on 05 Jan 2026

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158

Update on my stolen vehicle (aussie.zone)

submitted 6 days ago by Aussiemandeus@aussie.zone to c/dull_mens_club@lemmy.world

16 comments fedilink hide all child comments

Friday morning via Facebook thanks to my wife and the communities on there that are set up to find stolen cars we found my vehicle.

It was 240kms away crashed on the side of the road.

Unfortunately all of my tools were stolen they opened the boxes and removed tools draws and all.

They stole all of my consumables too.

Insurance is still assessing the car and my business insurance said the missing tools are car insurance problem because it's parked in a residential premises and are my personal property.

Car insurance will cover 1500 dollars or tools. Unfortunately I had around 50k of tools etc in my ute.

This weekend I spent 10k on tools and am obviously still far behind.

I have hired a ute and bought tools so I'm back to work now since I have no other options really, I need an income to support my wife while she has no job since she's on maternity leave.

I'm really only writing this to put some thoughts out, I think I'm having a rough time but it's just life. One for before the other and keep going you know.

I'm going to put up some photos of the car and perpetrator in the comments just so they're out there too.

all 18 comments

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[–] wizardbeard@lemmy.dbzer0.com 61 points 5 days ago (1 children)

I don't know what recourse you have, or if it would help at all, but I would definitely be pushing back on the business insurance. Storing your work tools in your work vehicle, and parking your work vehicle on your residential property isn't some sort of weird exception that should fall under special rules.

[–] Nusm@peachpie.theatl.social 47 points 5 days ago (1 children)

Agreed. Sometimes they’ll pull this crap hoping you won’t push back. If you do, they’ll fold and do the right thing. I’d start with telling them you’re going to get an attorney. If that doesn’t work, you may need to actually get one and go from there.

[–] miked@piefed.social 3 points 5 days ago

It was my impression that once you tell a business you are getting an attorney that cease contact with you and wait for your attorney.

Of course my my memory sucks so I could be wrong.

[–] Aussiemandeus@aussie.zone 50 points 6 days ago* (last edited 6 days ago) (2 children)

A screenshot from instagram of them bragging about stealing my car.

Police can't do anything it seems

[–] unexposedhazard@discuss.tchncs.de 64 points 6 days ago (2 children)

Police can always do something, especially if it was posted on instagram. There is no way these dumb kids are always using Tor when accessing instagram which means they could easily be traced by their IP address. The police just doesnt give a fuck about you, thats all.

[–] Aussiemandeus@aussie.zone 36 points 5 days ago

Yeah they definitely don't care. This is a weekly occurrence in my town.

[–] HertzDentalBar@lemmy.blahaj.zone 2 points 5 days ago

There's no Dorito bags so flock won't tell them to arrest them.

[–] itsathursday@lemmy.world 31 points 6 days ago (1 children)

Wow that’s fucked, sorry dude. Hopefully they get what’s coming to them.

[–] Aussiemandeus@aussie.zone 46 points 6 days ago

My car after finding it

[–] Aussiemandeus@aussie.zone 34 points 6 days ago

[–] mrgoosmoos@lemmy.ca 13 points 5 days ago (1 children)

I don't know how it works for you guys, but I am pretty sure that my house insurance will cover stolen items from my vehicle

[–] ikidd@lemmy.world 7 points 5 days ago (1 children)

Might be renting, and the number of renters that carry residential insurance is depressingly low.

[–] mrgoosmoos@lemmy.ca 3 points 5 days ago

oh, yeah, pretty sure my renter's insurance did back when I was renting, too. but it is true that not many people have it, even though it's so cheap

[–] JohnnyCanuck@lemmy.ca 8 points 5 days ago (1 children)

Fuuuuck. Sorry to hear this. Have you checked with your home insurance?

Make sure to get the right insurance coverage this time. There is a tendency to aim to pay less for insurance but it isn't the same as buying goods.

This is for you, OP, but also for everyone else. You are definitely not the only person to ever get screwed by insufficient coverage or denied claims.

First rule with insurance: don't pay for insurance for something you can afford to lose/replace.

Second rule for insurance: make sure you're completely honest and give all the details to the insurance company. They will actively look for ways to not pay out, and any omissions or incorrect info will be used to that end.

Third rule: get your full policy in writing, before signing/paying, especially if you've gone through a broker.

Fourth rule: don't accept denial. Bug them to cover more. Bug them to pay out. Check your coverage carefully and make sure they're not shorting you.

With insurance it is important to be clear with them about what you need covered when you're getting your policy. This will probably make it cost more, but if you aren't going to get covered, why pay for the insurance in the first place? If you have $50K worth of stuff you can't afford to lose in your vehicle, make sure your insurance covers theft of contents for $50K worth of stuff. If you're using your vehicle for business purposes, make sure the insurance company knows this, and that you have coverage for lost work. This would not be standard, so you have to be clear with them.

Really sorry you're going through this, bud. Fuck those guys. I've dealt with Aussie police before and they did fuck all for me. They had CCTV footage of the incident and knew the perps. Just shrugged and said shit happens, basically. Fuck'em all. You can DM me if you want to vent.

[–] The_v@lemmy.world 1 points 3 days ago

A few more tips that I have learned over the years.

Know who provides oversight to insurance companies from the government. Insurance companies historically are notorious for fraud and scams.

Here's a place to start in Australia if things go sideways. Generally these systems force insurance companies to follow approved procedures and reasonable standards.

https://www.afca.org.au/what-to-expect/small-business

Keep your own copies of all insurance paperwork. Insurance companies are known to get creative with their copies of the paperwork. Myteriously losing or modifying documents after they are signed.
Document everything you discuss with the insurance. For example I just had to add some equipment to my business policy. Rather than calling the broker to add it, I e-mailed the request. It included in-detail description of the equipment etc. If you talk to them on the phone. Keep notes in a dated notes app or notebook of what was discussed. Be sure to use clarifying techniques like "Just to be clear I understand, (briefly summarize the discussion).
Remember the squeaky wheel gets the grease. Make a schedule to contact them to keep them from delaying. Weekly calls/e-mails etc. Stuff to show a record of due diligence resolving the issue.
Extreme measures - things to do before you get a lawyer involved. The objective is to be maliciously compliant with their rules to drive them nuts. There's usually a way to exploit their systems if you search hard enough.

Example: The first house we purchased was a foreclosure and needed repairing before it was habitable. So we took out a loan that had terms for the repairs. The mortgage paid 50% of the repairs at signing and then another 50% on proof of completion. Well the assholes refused to pay out the second 50% on completion of the repairs for several months.

My wife got a little annoyed and found out that faxing the completed documents was an approved method of submitting the completed documentation.... all 250+ pages of it. My wife also was involved in finances at the time and knew that every-single communication of from a client had to be documented and stored. She then researched further and found around 8 different fax numbers for different levels in the company (including the CEO). So she sent the full packet every day to every single fax number she located (using an automated system on her computer).

It took them 2 days until they called begging her to stop. She said as soon as the check arrived she would stop, until then the faxes would continue. It took them a week after that to get the check to us via overnight special delivery.