Victim or Swindler?
I'm Calling Insurance Fraud
By Kickntrue on 8/13/08
A Florida man had his golf clubs stolen from the bag drop this weekend. He claims the clubs were worth over $3000. First things first, I think everyone used the bag drops and there is certainly an aura of trust at a golf club where you assume they are safe. It really sucks for the dude- there's no doubt about it. Moral of the story- be careful with your golf clubs. They are your responsibility.

Now on to the second part- about the clubs being worth over $3000. Umm... WHAT?! What was he carrying that could possibly worth over $3000. Let's play a game of hypothticals. I'll use above average values.

Irons- $1100
Driver- $500
3 Wood- $200
Hybrid- $150
Wedges- $250 (total)
Putter- $150
Cart Bag- $150
Balls- $50

All of that together equals $2450- and I think we can agree those are pretty generous numbers. So is he committing insurance fruad or does he just play with better equipment than Tiger himself?

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[ comments ]
birdieXris says:
Man... who knows. I suppose he COULD hypothetically say that... IF he had aftermarket/custom shafts put in all the clubs, After market Grips, a couple boxes of ProVs, and a cart bag worth 199.00 MAYBE he could say that. I think it's definitely fraud. He better have receipts.
8/13/08
 
Ben Crane says:
You wouldn't have to search long to find a putter or hybrid that costs more than $150. However, your generosity on the irons and driver more than make up for those 2 items. I call shenanigans!
8/13/08
 
Ben Crane says:
I didn't RTFA before posting. Says he had Big Bertha irons and a TM Burner. Neither are anywhere near the prices you have listed. I think his clubs could've cost $2,000 total and he added the $1,000 deductible to his clubs total so he ultimately has to pay nothing to get them replaced.
8/13/08
 
ToddRobb says:
I'm sorry but 3 grand is definitely do-able. Throw in a couple of extra Hybrids, a $100 rain suit, a $350 GPS for yardage, back pain prescription(or any other prescription for that matter), on top of that he could have had his wallet in there.
8/13/08
 
TaylorFade says:
Who knows? Maybe he has these?

www.forbes.com/2005/08/22/cx_ns_0823featslide_11

But seriously, Calloway FTi's are $1,500 a set. A run-of-the-mill Scotty Cameron putter goes $300. TaylorMade TP for $500... it is possible, just not likely. He was probably playing persimmons and mashies.

I know if someone stole my bag- $3000 would be the exact number I would tell my insurance company. Pay the man.
8/13/08
 
ToddRobb says:
Don't forget the $50 "golf" umbrella and his ball retriever. It adds up, this golf thing ain't cheap.
8/13/08
 
ToddRobb says:
I'm with Taylor,
Pay the man.
8/13/08
 
Kickntrue says:
Umm.. fair enough. I'll back down a bit on this one.
8/13/08
 
Ben Crane says:
TaylorFade, you are correct in saying it could be done, but by his own admission he states he owns cheaper equipment.

From article: He dropped his black golf bag filled with Callaway Big Bertha woods and irons, a TaylorMade Burner driver and other specialty items on Arnold Palmer Drive, between the 9th hole and 10th tee.
8/13/08
 
hogan72 says:
I'm confused about the "bag drop" reference here. I figured "bag drop" meant the rack outside a clubhouse where everyone leaves their clubs while they go inside, etc. In this case, it sounds like Marlin left his bag by the side of the road. (like where I leave my garbage for collection)

"nice play, Shakespeare"
8/13/08
 
mr_hungry says:
Yeah, looks like he left them on a public road while he walked the three blocks to his car. "Nice play, Shakespeare" about covers it.
8/13/08
 
ToddRobb says:
Where he left them is a whole different issue, I think we all can agree that was a "BAD DECISION". The original discussion was if it's insurance fraud or not.
8/13/08
 
hogan72 says:
I hear you. It's just so hard to look past what a bonehead move that was...As for the discussion topic, I say, whatever, pay the man. He ponies up the deductible, the insurance company pays the rest.
8/13/08
 
golfdude528 says:
I think it may be real. I went to the Golfsmith site and recreated my bag as if it was stolen and if I had to replace it as is, it is just under $3000.00. And that doesn't include what's in the pockets. (Balls, gloves, pinseeker 1500, zelocity launch monitor, etc). Not to mention, my irons are not even made anymore. So personally, I feel sorry for the guy, but I think his numbers could be true.
8/13/08
 
yorkeye says:
Is this guy located in the district where they had a problem in the 2000 presidential election?
8/14/08
 
flyfishin4trout says:
Depends on the type of insurance as well. I had my golf clubs stolen in 2000. My clubs were older and pretty junky actually, but I have replacement insurance. It doesn't matter what the clubs are worth in your bag it is the cost to replace them. Really easy to get to 3k there.
8/14/08
 
PapaJoe says:
My vote: NO FRAUD here! Just good old fashioned: "I paid my premiums on time. Now it's time I got paid!" Good for you Florida dude. How much are you going to spend on replacements???
8/14/08
 
SilkySmoothFlatStick says:
Insurance coverage always assumes depreciated value on items but.......when you're a golfer that has a set of clubs that you have basically slept with...... its like losing something irreplaceable.

All of my clubs together probably cost $4000 real value but are probably worth about $2500 now under a depreciated schedule. But, to me the clubs are priceless due to the history behind them plus the courses and memories they have given me.

That kind of value my friends is appreciable, unseen and you can NEVER put a price tag on that.
8/17/08
 
PapaJoe says:
bradclardy: Your insurance company puts a price tag on your clubs. Why can't you?
8/18/08
 
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