Vehicle thefts and break-ins continue to be a concern across our state, even though recent reports suggest that the number of such crimes could be trending downward. Let’s hope the trend continues.
One of the best ways to protect yourself and contribute to that downward trend is to be smart and take precautions when it comes to protecting your car.
Vehicle break-ins can happen anywhere. Thieves often look for quick opportunities. Here are a few tips to discourage would-be thieves from making you a victim:
- Always lock your vehicle, even if you are only leaving it unattended for a few minutes. A surprising number of thefts happen in unlocked cars.
- Remove valuables. Take purses, wallets, electronics and other items with you, or lock them in the trunk out of sight. Even small items, such as charging cables, sunglasses and coins, can attract attention.
- Park in well-lit areas. Light and visibility deter would-be thieves. Parking near building entrances, cameras and streetlights helps deter break-ins and thefts.
- Consider using anti-theft devices, such as steering wheel locks.
- Install a car alarm or immobilizer. Basic alarms can discourage opportunistic thieves. Immobilizers make it more difficult to start a car without the proper key.
- Trust your instincts. If an area feels unsafe, choose a different spot to park.
- Be alert and report suspicious activity. If you see something unusual, contact your local police immediately.
Consumers should check their insurance policies and check with their agents to make sure they have the right coverage should an automobile break-in or theft occur.
Comprehensive (also called “other than collision”) automobile insurance generally covers damage to the car, such as a window broken to enter the car during a theft, and items permanently attached to the car.
However, comprehensive coverage generally does not pay for stolen items that were not permanently attached to the car, such as a cell phone, portable radio, laptop, purse or wallet. The consumer’s homeowners’ and renters’ insurance policies generally do cover such items, after deductibles are applied.
The adage about an ounce of prevention being worth a pound of cure applies here. You’d much rather prevent a break-in or theft from occurring than have to deal with the aftermath, even if you have full insurance coverage. Taking a few extra steps can greatly reduce your risk and keep your community safe.
If you have questions about your automobile insurance coverage, or any other type of insurance, or need assistance, you may call the Department of Insurance toll free weekdays from 8 a.m. to 5 p.m. at 855-408-1212. Or you may visit our website at www.ncdoi.gov
