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Protection against Auto Theft Print Version Every 26 seconds, a motor vehicle is stolen in the United States. According to the FBI, there are over 1.2 million motor vehicles stolen every year. The odds of a vehicle being stolen are 1 in 190, odds that are especially higher in urban areas. The following tips may prove helpful in reducing the chances that your vehicle or property in it may be stolen.When temporarily leaving your vehicle, never leave it running or with the keys in the ignition. Always lock your car and roll up the windows, even if it is in your driveway. If you have a garage, park your car in it and close and lock the garage door. Park in busy, well-lit areas. When purchasing auto stereo equipment or GPS units, choose items that can be removed and locked in the trunk. When using valet parking or taking your car in for repairs, leave only the ignition key with the attendant. Turn your wheels sharply toward the curb when parking since this makes it extra difficult for thieves to tow the vehicle. Always use your emergency brake and leave the transmission in park or in gear. Look into various anti-theft devices for your auto. Ask about auto insurance discounts for antitheft devices such as alarms, window etchings, and anti-hot-wiring products. If you are the unfortunate victim of car theft, contact: the police, your agent, and the insurance company immediately, and in that order. It is important to note that theft for your vehicle is covered under the “Comprehensive” or “Other than Collision” section of your auto policy. Some people choose not to carry this coverage on a vehicle, specifically older vehicles, so it is important for you to consider this decision carefully. Oftentimes, property is stolen from a vehicle, and many assume this is covered under your auto policy. However, in most cases, any personal property in your vehicle that is stolen would be covered under a homeowners or renters policy. It is important to read your policy specifically and know what is, and is not, covered. Your agent is also a valuable resource when you have questions regarding your automobile policy, so don’t hesitate to contact them if you have any questions. Information used with permission from International Risk Management Institute, Inc., Copyright 2008. |
