Filing a theft claim????

Your stuff is covered under YOUR policy. Her stuff is covered under HER policy. The auto policy doesn't cover "personal posessions" unless they're permantly installed - and frequently you have to pay an extra premium, if it's not "standard" when you bought the vehicle.

So. It's likely her GPS is built in - that would be her car insurance. If it's not built in, it would be her homeowners policy. The damage for the break in is also covered under HER auto policy.

Your laptop & digital camera would be YOUR homeowers policy. Your homeowners won't cover the damage to her truck, or her contents. And there might be limitations of coverage on the electronic stuff.

In one sense, someone could easily think that if something is stolen out of a car, that vehicle's insurance should cover the items stolen out of it. That, unfortunately for you, is not the case. Most companies cover up to $200 worth of luggage under Comprehensive, but that's only if the WHOLE vehicle is stolen.

In your situation, it is definitely a claim for the homeowner's or renter's insurance for the stuff. Based on your descriptuion, you likely have a large enough claim that you will exceed the deductible, therefore making this a claim that you may very well want to file.

To make life a little easier for you, try to have an inventory of missing items ready when you speak to the adjuster. If you have proof of ownership available (receipts, etc.), all the better. It will definitely speed things up.

Sorry about the mishap. That's why there's insurance!

The vehicle owners auto insurance will not cover any of the these personal property items stolen out of the truck.

You will need to present the claim to your homeowners or renters insurance. Some policies have limitations of coverage for items outside of the insured home/apt, so don't be surprised if you run across issues with that. You will also have a deductible applied to your claim.