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lost_in_life_34 t1_iybeeh0 wrote

I leave my car open accidentally once in a while but who leaves their FOB in a car? is it that hard to keep it in a purse or a pocket or on you all the time?

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maybe cause I grew up in NYC in the 80's I'd never do this

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Nexis4Jersey t1_iyboswm wrote

It seems over the pandemic people lost there common sense.. Someone hiring up on the crime task force in Newark said that a lot of the cars ending up in Newark were stolen while people left them running while they went into a store or restaurant to buy something...then there was wave of thefts last year in a small town on LI and it turns out most of the cars were unlocked , had the key fobs or keys left in them....I really don't understand it..

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AbazabaYouMyOnlyFren t1_iycizf3 wrote

People leaving their cars running isn't a COVID thing, it's a stupid people thing.

I never understood it, but they always have some dumbass rationale why they do it. It wastes gas to start it, or it's better for the car...

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onelten t1_iyck7sx wrote

i think it’s often ex-ny’ers who leave the cars unlocked with keys in it. i live in an area with several neighbors from new york who are convinced jersey is the country and they don’t have to worry about anything.

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Senior-Sharpie t1_iyczgbf wrote

Nobody with any brains would do that. If your car is unlocked with the fob inside and gets stolen insurance will not cover it. (Nor should they) might as well put a sign on the windshield “steal me please”.

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lost_in_life_34 t1_iyd2kc2 wrote

Bergen the cops have to tell people not to leave FOB's in their cars cause people had luxury cars stolen like that

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MassiveStomach t1_iydr60j wrote

if your car is unlocked with the fob in it and it gets stolen its covered by your insurance. i'm unsure where you heard that.

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Senior-Sharpie t1_iydweno wrote

Everywhere

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973reggie t1_iyei9wk wrote

Well it’s not true. Of course it’s covered. Obviously everything’s in the spectrum from smart to stupid, but as long as it’s not FRAUD.. your car is covered.

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Senior-Sharpie t1_iyen7x8 wrote

Only if you have comprehensive coverage.

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973reggie t1_iyeopvz wrote

Ok idk what your trying to say at this point.

Yes, only certain insurances cover theft.

If your insurance DOES cover theft, it covers it under basically any circumstance then fraud. Leaving your key in the car on accident, or your car running by itself longer then you thought, etc are among the most popular causes for car theft.

But my first point stands.. insurance covers stupid people too. It doesn’t cover malicious people who are trying to defraud them, but just being stupid doesn’t bar you from coverage.

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Senior-Sharpie t1_iyeu9c9 wrote

What I’m trying to say is that I have heard for decades that if the car was unlocked with the keys inside and was stolen the insurer would deny the claim. I just Googled that and was surprised to see that it could be covered but only if you had comprehensive coverage so I guess you could call comprehensive coverage insurance for stupidity. Surely you can see the difference between someone breaking into a car, Hotwiring it and driving it away as opposed to opening the door, turning on the ignition and driving away. It’s basically the same as someone breaking down your door and coming in (Breaking and entering) versus opening an unlocked door and walking in (unlawfully entry).

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973reggie t1_iyexppj wrote

I mean I don’t really see a difference tbh. I would see a difference if there’s violence involved or something but otherwise no, not really.

Comprehensive is the only type that covers theft, period. So if your covered for theft your covered for any kind.

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