This has nothing to do with your insurance issue, but I wanted to add that breaking into cars at the parking lot of the trail-head has become common here in Charlotte. I know they are patrolling the lots more now, but it got out of hand this past winter.

I guess the trail head is great because people tend to leave their wallet and other valuable in their car, rather than take them with them. Plus it can be assumed by the thief that the person is going to be gone a long time on the trail running or biking.

In addition, some cars that have been broken into have had their garage door opener taken. This has then allowed the thieves to rob the house as well by getting the address off the car registration in the glove box.

They caught some of the guys that were doing it but I don't like to park at the trail head anymore. I either park at a grocery store nearby or ride my bike from home...my friends do the same, or take both their wallets and garage door openers with them on their rides or walks.