Northern Boy
05-25-2009, 11:53 PM
The Insurance Industry is starting to feel the pinch I guess and it looks like soon all of us will have to cough up more for it . In an attempt to curb the glut of what must seem like millions of cars being stolen unless you install an immobilizer in your vehicle your rates will go up . All this is is an attempt to curb the paying out for vehicles stolen and being wrecked or abused .
I had mine stolen 4 years ago and it was recovered Insurance contacted me and asked me where I wanted it taken , I told them a local dealership of the make of the vehicle . Well thats where it ended up i was called and told to pick it up and that I would be required to pay a $300.00 Deductible So off I go Get to the dealership and it still has the crime seal tape on the doors and is covered in fingerprint dust. I get it home two days later I check the Oil it needs 2 quarts go to work come home get up next day check the oil needs 2 quarts . Called up the place where I picked it up and asked them what did my insurance Company tell you to do as far as my vehicle was concerned . I was told they told them to change the engine oil and transmission fluid . Called my Insurance company and they told me it was normal maintenance and refused to cover it after the garage told them that the Head gasket and rear main seal was gone . I told the garage to put it back together and I`d pick it up . They did just that when they started it up and tried to drive it out of the shop it died so they torn it apart and checked it out they found bent valves. The insurance company told me that it was abuse and the reason they did not do a compression test is because they try to limit their costs. They then offered to pay 1/2 the cost to repair it , I told them any offer to repair shows negligence on their part and told them they would pay for all of it . I thought Lawyers were scum bags but Insurance companies are right down there in the dirt with them.
Sorry for the rant !
here is the atricle
By Gordon Powers, Sympatico / MSN Finance
Insurance rates are up and so are the number of cars going missing each year.
The number one reason most vehicles are stolen is because they do not have an immobilizer, says the Insurance Bureau of Canada. Electronic immobilizers require a special key or small electronic device to start a vehicle’s engine. When someone tries to start your vehicle without this, the immobilizer shuts off the engine’s electrical system, making it virtually impossible to steal.
That’s why Manitoba, for instance, has been requiring owners of the vehicles it views most at risk to install such devices if they live in Winnipeg or commute to the city.
Most passenger vehicles and light trucks built in the last two years come equipped with an immobilizer, but these are generally two-point systems, which are far easier to defeat than more complicated three-point systems that engage starters, ignitions and often fuel pumps.
Other security devices, such as steering wheel locks, alarms, tracking systems and parts marking, can be combined with an immobilizer to provide additional layers of protection.
Steering wheel locks, like The Club, cost as little as $50 and provide a stronger visual deterrent for auto thieves than an immobilizer. Just the sight of an anti-theft device inside a car will put off many casual thieves, police say. Not that it deters the pros.
The Club Buster is intended for locksmiths, tow truck operators, and repo men, but any thief can buy it right now for $90.
Want to see things from that other side of the street? Have a look at these ‘dumber and dumber’ bait car videos.
A bait car is a decoy vehicle owned by the police that’s intended to be stolen. They’re generally models that have a high theft rate such as Ford F150s or Honda Civics.
The decoys are loaded with GPS tracking equipment, surveillance cameras and microphones. Inside the car, unlucky thieves are confronted with a device that allows police to remotely disable the vehicle.
What have you been doing to hang on to your car?:sneaky2:
I had mine stolen 4 years ago and it was recovered Insurance contacted me and asked me where I wanted it taken , I told them a local dealership of the make of the vehicle . Well thats where it ended up i was called and told to pick it up and that I would be required to pay a $300.00 Deductible So off I go Get to the dealership and it still has the crime seal tape on the doors and is covered in fingerprint dust. I get it home two days later I check the Oil it needs 2 quarts go to work come home get up next day check the oil needs 2 quarts . Called up the place where I picked it up and asked them what did my insurance Company tell you to do as far as my vehicle was concerned . I was told they told them to change the engine oil and transmission fluid . Called my Insurance company and they told me it was normal maintenance and refused to cover it after the garage told them that the Head gasket and rear main seal was gone . I told the garage to put it back together and I`d pick it up . They did just that when they started it up and tried to drive it out of the shop it died so they torn it apart and checked it out they found bent valves. The insurance company told me that it was abuse and the reason they did not do a compression test is because they try to limit their costs. They then offered to pay 1/2 the cost to repair it , I told them any offer to repair shows negligence on their part and told them they would pay for all of it . I thought Lawyers were scum bags but Insurance companies are right down there in the dirt with them.
Sorry for the rant !
here is the atricle
By Gordon Powers, Sympatico / MSN Finance
Insurance rates are up and so are the number of cars going missing each year.
The number one reason most vehicles are stolen is because they do not have an immobilizer, says the Insurance Bureau of Canada. Electronic immobilizers require a special key or small electronic device to start a vehicle’s engine. When someone tries to start your vehicle without this, the immobilizer shuts off the engine’s electrical system, making it virtually impossible to steal.
That’s why Manitoba, for instance, has been requiring owners of the vehicles it views most at risk to install such devices if they live in Winnipeg or commute to the city.
Most passenger vehicles and light trucks built in the last two years come equipped with an immobilizer, but these are generally two-point systems, which are far easier to defeat than more complicated three-point systems that engage starters, ignitions and often fuel pumps.
Other security devices, such as steering wheel locks, alarms, tracking systems and parts marking, can be combined with an immobilizer to provide additional layers of protection.
Steering wheel locks, like The Club, cost as little as $50 and provide a stronger visual deterrent for auto thieves than an immobilizer. Just the sight of an anti-theft device inside a car will put off many casual thieves, police say. Not that it deters the pros.
The Club Buster is intended for locksmiths, tow truck operators, and repo men, but any thief can buy it right now for $90.
Want to see things from that other side of the street? Have a look at these ‘dumber and dumber’ bait car videos.
A bait car is a decoy vehicle owned by the police that’s intended to be stolen. They’re generally models that have a high theft rate such as Ford F150s or Honda Civics.
The decoys are loaded with GPS tracking equipment, surveillance cameras and microphones. Inside the car, unlucky thieves are confronted with a device that allows police to remotely disable the vehicle.
What have you been doing to hang on to your car?:sneaky2: