i am so sorry to hear that, ame. although i don't use chubb for my insurance, i have heard they're very easy to deal with and will reimburse you no questions asked, especially in this case where there was a break in and you didn't lose it. you'll most likely have to present them with the police report, but obviously that won't be an issue since the police were there as you were walking out to the parking lot.
omg, you must have been numb when you walked out and saw the cops there?
i know it's too late for you, ame, but for others, my husband is a personal trainer at a health club in an affluent area and he said that there are always, always break-ins in the health club parking lot in people's cars. the majority of them leave their purses in their cars instead of putting them in a locker at the gym or just leaving their purse at home.
i just started only bringing my driver's license and leaving that in the car and that's all i bring. i never wear or bring my wedding rings when i workout and i don't even bring my cell phone. after what my husband has told me that unfortunately this happens on a regular basis, i just don't think it's worth it. i always go straight home to shower aferwards anyway, so i don't need my phone or purse with me. just my driver's license.
i hope it all works out for you and please post any updates and especially if chubb follows through with their promise to reimburse you.
hang in there.