Legal Question in Insurance Law in Arizona

stolen tool on job site at residence

my son,37yrs.old cld.me 10 min ago,on his job with 1 of his employees.he went to his truck to get a tool,and proceeded back to work area.3 min.later he and empl.heard his truck start,they ran back out front to see his truck gone w/ all of his tools etc.reported to police.Some backgrnd.on my son.Worked since he was 15 in construction.4 yrs.ago cut off left arm on job site,they re-attached,pain all the time,he's diabetic,3 months ago had thyroid cancer,had surgery,radiation,went to work during rad. therapy so as not to loose jobs.6 wks.ago was taking his injections for diabetes grabbed wrong bottle out of fridge,overdosed managed to call 911,they lost him 4 times on way to hosp.4 wks ago got blister on foot from boots,last week amputated most of left foot.back to work day aft.released frm.hosp.w/I.V.drip and vaccuum pump on foot for infection.he's not a slacker,doesn't want sympathy,go figure.when he cld.me he said i won't let the bastards get me down and started to cry.he never cries.I would assume the lady who he's wrkng.4 has home owners ins.She cares for elderly in her home.Shouldn''t it take care of at least his tools? he only has liabilty on his truck.He doesn't want to ask the lady for fear of loosing the work.help please! MOM


Asked on 9/25/06, 4:47 pm

1 Answer from Attorneys
James Jenkins Jenkins Law Center PLC

Re: stolen tool on job site at residence

I presume this happened in Arizona, you message does not state that.

Unfortunately the homeowner's insurance has no coverage that would cover the truck or the tools in the truck. Only your own son's insurance would cover this. The theft was not the fault of the homeowner.

We all are sad when low-life criminals steal and rob. And often, those who can least afford a loss are the ones with the barest of insurance on their vehicles.

I hope your son is able to find some way to get another vehicle. Next time, perhaps a hidden kill switch, a steering wheel lock (like The Club) or an alarm will save his loss if he cannot afford comprehensive coverage on his truck.

I was impressed by your son's story. I am sure he will continue to find the place in society, with the economic and personal rewards he deserves. I too have faced adversity in life, and I respect those who press ahead.

God bless you and your son in your honest pursuits,

Best regards,

James D. Jenkins

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Answered on 9/25/06, 11:47 pm


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