Outmaneuvering Those Who Would Steal Your Car


Auto insuranceIt’s standard operating procedure (not to mention, the law) to purchase auto insurance in New York for one’s vehicle. An auto policy provides coverage for a loss resulting from collision, property damage or bodily injury resulting from an accident, and pays related medical expenses, while comprehensive coverage offers protection from risks other than collision—for example, theft. After a theft occurs, victims are grateful that insurance will provide protection, but they also grimly wonder whether they could have done anything more to make it harder for the thieves. Here are just a few simple ideas—some of which could even mean a discount on the auto insurance policy.
Start with the basics. It’s surprising how many people still leave their keys in the ignition, “just for a minute”—say, while running inside the station to pay for gas, or dropping mail in the box at the post office. In less than a minute a thief can make off with a treasured Toyota or valued Volkswagen; in fact, the FBI reported that in 2010, a vehicle was stolen every 43 seconds in the U.S. No matter how briefly one plans to be away from the vehicle, roll up all the windows, close the sunroof, lock all doors and make sure anything of value (tablets, smart phones, wallets, purses, etc.) are hidden from view. Don’t put those items in the trunk and walk away, either; the thief could be watching nearby, so put the items away before parking.
Steering wheel locks. They’re popular for a reason—they’re relatively inexpensive and offer protection by immobilizing the steering wheel; some versions even secure the brake pedal, too. A determined thief has ways to break these locks but time is of the essence for the bad guys. Anything that will slow them down, like a steering wheel lock, could make thieves decide to skip one car and go for the easier mark.
Hood locks. These locks prevent thieves from gaining access to the hood and everything within it, including the expensive battery that can be stolen with the twist of a couple of bolts.
Alarms. Car alarms go off so frequently now that people often tune them out. But a blaring siren when it’s not expected could bring attention to a theft attempt and scare away a would-be thief. An alarm won’t work if the battery to which it’s connected is disabled, so have the alarm powered by a separate backup battery that cannot be easily accessed.
Tracking systems. Sophisticated vehicle tracking systems such as OnStar and LoJack install hidden transmitters throughout a vehicle that are activated once a theft is reported. Many high-end vehicles are equipped with this technology, which claims a 90 percent return rate for stolen vehicles. Click here to know more about Auto Insurance.

Categories: Insurance
This post was written by , posted on October 11, 2012 Thursday at 11:35 pm