SurpriseMVP
Mike
Every state differs as to what is covered and what is not. In AZ this would not be covered under your car insurance. The smashed window would be, but no personal property. The personal property would be covered either by your home/renters policy or a business policy. If it's attached/built in to the car covered under car insurance. Everything else is not. The best option for camera equipment is to insure it separately under a personal articles floater. Sorry this has happened and if you need some technical help feel free to shoot me a pm.
Mike
Mike