Preventing Loss Reduces Auto Insurance Claims

To prevent the theft of your Automobile, use the Layered Approach to Protection:

Layer 1–Common Sense

You should always secure your vehicle, even if parking for brief periods, by:

  • Removing your keys from the ignition
  • Locking your doors
  • Closing all your windows
  • Parking in a well-lit area

Layer 2–Visible or Audible Deterrent

The second layer of protection is a visible or audible device, which alerts thieves that your vehicle is protected. Popular second layer devices include:

  • Audible Alarms
  • Steering Wheel Locks
  • Steering Column Collars
  • Theft Deterrent Decals
  • Tire Locks
  • Window Etching

Layer 3–Vehicle Immobilizer

The third layer of protection is a device which prevents thieves from bypassing your ignition and hot-wiring the vehicle. Some electronic devices have computer chips in ignition keys. Other devices inhibit the flow of electricity or fuel to the engine until a hidden switch or button is activated. Popular third layer devices include:

  • Smart Keys
  • Fuse Cut-offs
  • Kill Switches
  • Starter, Ignition and Fuel Disablers

Layer 4–Tracking System

The final layer of protection is a tracking system which emits a signal to a police or monitoring station when the vehicle is reported stolen. Tracking systems are very effective in helping authorities recover stolen vehicles.

 

*Reprinted with the consent of the Coalition Against Insurance Fraud