The thought of your high-security system may keep you thinking that you have enough to keep your vehicle say and impenetrable. Unfortunately, it isn’t always the case. Vehicle break-ins aren’t rare occurrences, even to cars that appear to be secured.
Though Anti-theft devices and alarm systems are strong preventive accessories, vehicle break-ins are still prevalent globally. As these security techs evolve, even thieves continue to adapt to the changes. There are also new techs and devices that are designed to enable people to break into vehicles.
Thefts are not only limited to the high-ticket electronics like GPS systems. Laptops and phones; hub caps and air bags are popular stolen items, as the latter is valuable and the former is external and will not set a vehicle alarm off.
There were 349,954 thefts of cars’ accessories and 1,203,497 thefts from cars that excluded automobile accessories in 2015. Respectively, these statistics reflect a -1.7% and a 3.7% change from 2014. The average worth of these stolen properties comes in at $573 and $782. These statistics are too crucial to disregard. You should get ready for these thefts, understanding how to decrease your probabilities of having your vehicle broken into and things to do if it does happen.
What Should You Do?
Hopefully, you are going through this to prepare in case this disconcerting situation occurs to you, not because it already occurred to you. If you return to your vehicle to discover a missing accessory or smashed window, remain calm and follow these steps:
- Do not move your vehicle or tamper with it in any way before you call the police. Rather, take pictures of the scene, documenting the broken window or pried-open door. This will make it easier for you to file an insurance claim if you decide to do so.
- Either visit the police station yourself to file a police report or call to send over a police officer. To make this process a lot more easier, bring along your registration, license, insurance information, and a list of the items stolen. If you choose to file an insurance claim, the police report acquired will be essential. Also, if the police catch the thief, you may be able to get back the items you listed on your report as stolen.
- If your passport, social security card, credit card, or other form of personal information has been stolen, ensure you act immediately. Contact your credit card company to block that card’s access to your accounts immediately. Also, ensure you place a fraud alert on your credit record; as to discourage the thief from creating new accounts with your information.
- Deactivate your phone or other electronic devices if it has been stolen. For instance, if your banking information is on your phone, the thief could do some major damages. It will also assist to keep them from making any calls or sending messages from your number that may be strange or incriminating.
- You will need to choose if you wish to file an insurance claim. Comprehensive vehicle insurance will cover for the damages done to your vehicle following vandalism or theft if you choose to file a claim. If the damage to your vehicle costs less than the cost of your deductible, you may want to take the cost of repair into your own hands. On the contrary, if your deductible is $800 for instance and the repairs cost $1,000, it is absolutely worth filing a claim. Renters or homeowners insurance will pay for the costs of any personal property stolen from your car, like a phone or piece of valuable jewelry. Also, your deductible will apply when filing a claim. Therefore it all depends on the value of the stolen item(s).
- Get your vehicle repaired as quickly as possible, particularly if your doors or windows are damaged. If you are driving around a vehicle with a broken door or window, there is a pretty good possibility someone else might also take advantage.