Insurance companies ?

ok 2 people Tom and Jon are involved. Tom is leaving town for the weekend so he parks all 5 of his motorcycles in the garage, Tom has insurance against theft, he also has a surveillance camera in his garage that is recording 24/7, he uses it to tape his projects. so he makes sure he locks everything and leaves. Jon knows about this, he comes at night wearing full motorcycle gear and breaks into the garage and starts the motorcycles and takes of with it comes back does the same for all five. neighbors didn't see nothing all the camera caught was a person fully covered from head to toe. Tom comes back finds the garage open and all his bike are gone calls the police does everything he has to. how long will it take ? before Toms bike are replaced or does he get paid what the bikes worth ?

Tom was on his way to another country at the time.

Well considering this was a theft, there will be an investigation, the tape will have to be looked at, and it should show someone with a key to "start" the motorcycles. I think the insurance company is going to want Jon prosecuted and it will depend on what the policy says. Or they could deny cuz Jon and Tom are involved and the insurance company could think this is a scam. This could take a while so I hope Tom isn't spending the money yet.

It depends on how the motorcycles are insured.
He will probably get fair market value for the bikes less the deductible-he will get a check for the amount and not receive actual replacement bikes. It may take a week or more, that all depends on how long the adjuster takes to handle the claim.

If he had the keys to start the motorcycles he is not going to get paid.

How do you know it was Jon if he was covered head to toe. How do you know it wasn't Tom who knew how to get past his own security to collect? Tom would be my first suspect.

"Your account" is correct, with the exception of the one-week window for payment. Once the claim is filed, it can take up to 30 days (sometimes more) to get payment, especially if more investigation has to be done.

the insurance company is;nt going to pay anything until a full investigation is done.the first thing they will ask is who had the keys to the building.then go from there.could take months to settle.could be the owner who;s saying that it was someone else stealing his property.the whole case looks like an inside job for sure.maybe both men are involved.can;t see the insurance company paying anyone until the facts are proven that it was an intruder.but from what you have said it pretty much looks like it;s one of the two men mentioned.

Is Tom committing insurance fraud with Jon as his accomplice? This sounds a little odd to me. It depends on who the insurance company is and how long their investigation takes.