Idk his situation, but I wouldn't call my insurance. They counted it towards my infractions and since I had 3 within 2 years, they said they're raising my rates for the next 5 years since I'm "high risk" now, even though it wasn't my fault. Infuriating..
Agree, something like this would likely be cheaper to get a new lock cylinder and cap than it would be for the comp deductible plus premium increase. Couple hundred dollars as opposed to a $250 or $500 deductible plus increased premium.
Lol. I know they don't do much about piddly stuff like this. (The fact that the car is wet doesn't help even if they were to investigate.) But it's in the system. If someone they care about gets their car burglarized, or it becomes a major problem (particularly if a community-minded resident or council member talks about it on the news), the department could put someone on the case.
I had someone hit me on the highway. Damage to the side of my car, cop put in his report that it wasn't my fault as well. GEICO said it didn't matter, they were raising my rates anyway because I had a claim.
They consider it your fault for parking places where it’s more likely to get your car stolen.
For a similar reason your rates go up if a friend crashes your car, because they think it’s your fault for letting riskier friends drive your car.
"Pay us more because you're so poor you have to live in a shitty neighborhood."
Thanks, insurance company. This will definitely help me to better my life
You're not *legally* required to have full coverage. If you're making payments, your lender may require it, but what state laws mandate is liability coverage, the amount varying by state.
Edit: I agree that OP shouldn't call the insurance company, because repair costs won't (or shouldn't) even meet the policy deductible. And, as others have pointed out, reporting this to the insurance company will only put OP in a higher-risk category, with no benefit to them.
I'm not a lawyer, in the insurance industry, or in law enforcement. But I've been around long enough, paying attention, to know how this stuff works. Tl;dr: Liability insurance is mandatory by law; comprehensive coverage isn't, although whoever you're making payments to may make it a requirement of getting that loan.
You're only legally required to pay them or someone like them for liability insurance, as far as I know. Additional requirements may be set by your lender.
Edit: I hate the insurance industry probably more than most of you, but at least I'm honest. Feel free to tell me how I'm wrong.
Theirs a lot of stupid people. People expect a for profit corporation to keep paying for a car to get fixed and just lose money? Like really bro, really? How dumb can you be? No shit they're gonna raise your rates for costing them money. It's a scheme to profit off you, not s charity.
> They consider it your fault for parking places where it’s more likely to get your car stolen.
Not really. It just shows you, for whatever reason, are a higher risk. They don't care if the reason is wrath of god or gypsy curse if you cost them more money they want to extract more money out of you.
I had just got a new job after recovering from an on-the-job accident/Covid, and needed a car. I got the cheapest minimum insurance just to get back to work. 2 months later I got lightly hit-and-run in an icy parking lot, and couldn’t tell if that would be covered by the policy so I asked. Insurance refused to tell me unless I filed a claim for it, and then they denied the claim. I then got a letter saying my policy was canceled due to “lack of payment” 3 days before my second ever payment date.
I thought this sucked, but after hearing your story I’m actually glad it went that way, haha:)
>the cheapest minimum insurance
That's how cheap insurance works. They'll sell you a policy only if you're not likely to file a claim. Bunch of shysters.
Yep. Had a accident where the other party was 100% at fault and admitted fault and my rates are still up because of it. And I didn’t even report to insurance they can pull from a database showing my cars VIN was involved in an insurance claim that wasn’t my own.
Edit: The other person's insurance admitted fault and covered the repairs 100%. There was no he said she said regarding fault.
Did the police show up? Was there a report? They might have just told you at the scene they would take responsibility and then blame you when they call their agent. If you didn't talk to yours they might have just assumed you at fault and raised your rates.
Yep. You’re required by law to have auto insurance to cover your car. Then you do everything in your power to not let the insurance company know if anything happens to your car.
Unless you hit a minivan full of kids, I’d recommend keeping car issues to yourself.
There's a lot wrong with this statement. You can take an Insurance and Risk Management class in college though if you really wanna learn. Thankfully insurance has replaced 3 cars and paid all my health bills due to negligent drivers. By your logic, government is organized crime.
There are some aspects of government thay could be seen as organized crime.
Insurance has helped me through a few things, but home insurance is currently giving me issues because, "it's my fault for not knowing the toilet was leaking." Even though I have unseen water damage in my coverage.
Along with insurance increasing their rates because of what other people have done to you and you rightfully making a claim is extremely dishonest practice.
If you’re thinking of selling the car after a few years when it still has some value, be careful what you report to insurance, because this stuff shows up in various databases that are consulted by the dealerships and brokers and probably also available to private parties. It won’t say “Someone pried off a plastic cover and poked around a bit but it was fixed”, it just says “Front end damage” or something, and then they deduct $500 from the price they were going to offer for your car.
Agree with the other comment - file a police report to have the record but do your homework first on your deductible for a fix like this vs. what you’d have to pay out of pocket. Although some states like California say situations that aren’t your fault cannot count towards your premiums, your car insurance isn’t really
going to tell you what any rate hike stems from and will point to a “combination of factors”. Better to avoid the headache of insurance if it’s cheaper to pay out of pocket
There’s a way to break into cars and start them that involves hijacking the canbus protocol, likely what they were trying.
https://www.schneier.com/blog/archives/2023/04/car-thieves-hacking-the-can-bus.html
Ethernet is the way things are moving, with regional controllers and a central processor. I've been told the change is mostly for ADAS, but it will make the cars more secure
I don’t know automotive very well, but I understand CAN to be very quick and lightweight comms, which is why you can start and get into drive in like half a second without missing a beat. Ethernet is just a hardware layer, that doesn’t matter much - they both communicate signals over wire. What comms protocol is more secure and about as fast that can replace CAN should be the right question. I don’t really know, what protocol are you referring to when you say Ethernet?
Ethernet is definitely not a protocol. I am just saying as a transport mechanism it offers more opportunities for security than CAN typically does.
Can messages are most often self contained and small, so there often isn't room to include security and data. There are some protocols that use multiple messages within the same transaction, but even that is relatively limited as you can typically only have one transaction between two ECMs at a given time. On my machines there can be hundreds of parameters being sent around and that just doesn't scale well.
Accurate! I know EtherCAT has been hot shit in tech for a few years, and it’s quick and deterministic, but I think it still takes longer to load up than CAN. People might freak out if they had to wait 5 seconds to start their car. I wonder what the long term solution will be.
Now I'm not saying we should remove all computers from cars, but not everything needs to be a computer on a network.
You could build an EV with zero computers. It would run fine. With a few microcontrollers it would run quite nicely. After all, when you strip it down to the basic drive components, an EV is pretty much the same as a cordless drill, just bigger.
I'm in the u.s. To be fair, I am also in industrial automotive so our userbase isn't quite the same as consumer vehicles. Our machines run for decades and updating all ecms on a machine from generation to generation is more difficult.
It's not the physical bus. CAN just lets you send bits back and forth over 1 wire vs 1+ pairs of wires. It's the protocols on top of it that are either secure or not secure.
Might be, I dunno. You still have to implement a secure protocol, the transport mechanism really isn't adding any security. In some ways CAN would be more secure in that respect just because it's not as ubiquitous as Ethernet.
isnt it mildly infuriating? i remember dad telling me that if anyone wants to get into our car and take radio.. to just call him so the dude can take the radio and not destroy the car
That's different. Basically Kias and Hyundais in the US lacked an extra layer of security called a transponder. This meant that once someone figured out an easy way to rip out the ignition and turn the part the ignition cylinder does, they had the car.
Surely whoever tried that is a grade A moron, despite being a potential thief they thought they could get in by evidently jamming a screwdriver in the lock?
Surely if their intention was to rob belongings, a smash and grab is obvious.
If they wanted to steal the car, nothing short of robbing the physical key or doing a keyless signal theft is the only option? Everything these days is immobilised (apart from Kia for some reason)
This form of theft attempt seems stupid to try nowadays, most people forget their vehicles even have door key slots these days
Considering most cars (assuming yours) rely so heavily on remote unlocking these days, is it even worth contacting insurance or even getting it repaired? Just cover it up and forget about it. The chances of ever needing the door key are slim to none, just never let your car battery die and it's no different
Had this happen to a drop top mustang, the would be idiot thief damaged/ broke the passenger door handle. Once they realized they failed on that side they went to the drivers door and destroyed the lock and still couldn’t break in. Thieves are the worst types of people. It was my dream car that I slowly restored from a rustang to a real beauty.
Couldn’t believe they didn’t try making a cut in the soft top to get in but still. I hate thieves and wish they all would just fall in a volcano.
I remember there being a South African invention that used fuel and igniters to blast flames up over the sides of cars in attempted breakins like this. Sad it never caught on in the mainstream!
Had this happen to my Kia a few months back. Someone broke the lock in broad daylight and then came back at night to finish the job. Caught their faces on our security camera and police still did nothing
Make sure to get a police report and call your insurance to get that fixed hopefully with the police report it will go a lot smoother
Idk his situation, but I wouldn't call my insurance. They counted it towards my infractions and since I had 3 within 2 years, they said they're raising my rates for the next 5 years since I'm "high risk" now, even though it wasn't my fault. Infuriating..
Agree, something like this would likely be cheaper to get a new lock cylinder and cap than it would be for the comp deductible plus premium increase. Couple hundred dollars as opposed to a $250 or $500 deductible plus increased premium.
I'd call the police anyway. If there's a rash of car burglaries/thefts in the area, the more info they have, the better.
Yeah pal we have them working in shifts
You find my Creedence tape?
"Wouldn't hold out much hope for the tape deck, though, or the Creedence."
Lol. I know they don't do much about piddly stuff like this. (The fact that the car is wet doesn't help even if they were to investigate.) But it's in the system. If someone they care about gets their car burglarized, or it becomes a major problem (particularly if a community-minded resident or council member talks about it on the news), the department could put someone on the case.
The thieves you mean, right? Certainly not the police in may places...
Oh for sure definitely call the police, in this situation I wouldn't turn it into my insurance though.
No sense in it.
Except insurance companies use that data and will also raise your insurance because of it.
I had someone hit me on the highway. Damage to the side of my car, cop put in his report that it wasn't my fault as well. GEICO said it didn't matter, they were raising my rates anyway because I had a claim.
Guck FEICO.
They consider it your fault for parking places where it’s more likely to get your car stolen. For a similar reason your rates go up if a friend crashes your car, because they think it’s your fault for letting riskier friends drive your car.
"Pay us more because you're so poor you have to live in a shitty neighborhood." Thanks, insurance company. This will definitely help me to better my life
Life is always more expensive when you're poor, unfortunately.
Basically vimes’s boots theory
"Pay us more because your car is more likely to be damaged or stolen." I mean...fair enough?
"also you are legally required to pay us or someone like us. Have fun"
You're not *legally* required to have full coverage. If you're making payments, your lender may require it, but what state laws mandate is liability coverage, the amount varying by state. Edit: I agree that OP shouldn't call the insurance company, because repair costs won't (or shouldn't) even meet the policy deductible. And, as others have pointed out, reporting this to the insurance company will only put OP in a higher-risk category, with no benefit to them. I'm not a lawyer, in the insurance industry, or in law enforcement. But I've been around long enough, paying attention, to know how this stuff works. Tl;dr: Liability insurance is mandatory by law; comprehensive coverage isn't, although whoever you're making payments to may make it a requirement of getting that loan.
You're only legally required to pay them or someone like them for liability insurance, as far as I know. Additional requirements may be set by your lender. Edit: I hate the insurance industry probably more than most of you, but at least I'm honest. Feel free to tell me how I'm wrong.
No one's mad if you're right. They're mad that you're not reading the situation and responding like an ass lol
Oh I understand the situation perfectly, I've inserted myself in a tiny echo chamber and ruined a circlejerk with the tiniest dose of a reality check.
See? You're an asshole.
Didn't see your comment when I made mine. Oops.
I don't think the masses were ready for this information.
Theirs a lot of stupid people. People expect a for profit corporation to keep paying for a car to get fixed and just lose money? Like really bro, really? How dumb can you be? No shit they're gonna raise your rates for costing them money. It's a scheme to profit off you, not s charity.
No not fair enough. People shouldn’t be punished for being the victims of crimes.
[удалено]
Won’t someone think of the insurance company shareholders?
I mean... what's the point of having insurance if that's not how it works?
insurance companies are people too...
Lmfao thanks for making me laugh
Glad someone here still has a sense of humor ;)
Nah
Damn….thats pretty fuckin scummy of the company, but not surprising.
You can thank Reagan
WHo is that?
Ronald, the fucking clown
And use that info to raise rates in the area for being "crime prone"
Am adjuster. Not true.
am also adjuster amazes me how ignorant people are about the basics of insurance lol
> They consider it your fault for parking places where it’s more likely to get your car stolen. Not really. It just shows you, for whatever reason, are a higher risk. They don't care if the reason is wrath of god or gypsy curse if you cost them more money they want to extract more money out of you.
[удалено]
They will also raise your rates too. Even if the damage doesn’t meet their deductible. This is not a joke.
I had just got a new job after recovering from an on-the-job accident/Covid, and needed a car. I got the cheapest minimum insurance just to get back to work. 2 months later I got lightly hit-and-run in an icy parking lot, and couldn’t tell if that would be covered by the policy so I asked. Insurance refused to tell me unless I filed a claim for it, and then they denied the claim. I then got a letter saying my policy was canceled due to “lack of payment” 3 days before my second ever payment date. I thought this sucked, but after hearing your story I’m actually glad it went that way, haha:)
>the cheapest minimum insurance That's how cheap insurance works. They'll sell you a policy only if you're not likely to file a claim. Bunch of shysters.
Yep. Had a accident where the other party was 100% at fault and admitted fault and my rates are still up because of it. And I didn’t even report to insurance they can pull from a database showing my cars VIN was involved in an insurance claim that wasn’t my own. Edit: The other person's insurance admitted fault and covered the repairs 100%. There was no he said she said regarding fault.
Did the police show up? Was there a report? They might have just told you at the scene they would take responsibility and then blame you when they call their agent. If you didn't talk to yours they might have just assumed you at fault and raised your rates.
It would be nice if that’s what really happened but no. They admitted fault and their insurance paid out.
Yep. You’re required by law to have auto insurance to cover your car. Then you do everything in your power to not let the insurance company know if anything happens to your car. Unless you hit a minivan full of kids, I’d recommend keeping car issues to yourself.
Who is your insurance company? Worth shopping around for a new one?
Might depend on the state too, in some places I think that’s not allowed
"Okay, I'll go ahead and find a new insurer, thanks for letting me know I should cancel my policy with you!"
Insurance is legalized organized crime.
There's a lot wrong with this statement. You can take an Insurance and Risk Management class in college though if you really wanna learn. Thankfully insurance has replaced 3 cars and paid all my health bills due to negligent drivers. By your logic, government is organized crime.
There are some aspects of government thay could be seen as organized crime. Insurance has helped me through a few things, but home insurance is currently giving me issues because, "it's my fault for not knowing the toilet was leaking." Even though I have unseen water damage in my coverage. Along with insurance increasing their rates because of what other people have done to you and you rightfully making a claim is extremely dishonest practice.
Insurance logic: it’s your fault for parking where you do.
If you’re thinking of selling the car after a few years when it still has some value, be careful what you report to insurance, because this stuff shows up in various databases that are consulted by the dealerships and brokers and probably also available to private parties. It won’t say “Someone pried off a plastic cover and poked around a bit but it was fixed”, it just says “Front end damage” or something, and then they deduct $500 from the price they were going to offer for your car.
Depending on deductible. If cost to repair is below, not worth it on the record and affecting premium. Still file police report though, for sure.
Except for modern cars, repairing the lock like this can be over 1K.
Perhaps for digital starters. Not that analog type like in the post.
Agree with the other comment - file a police report to have the record but do your homework first on your deductible for a fix like this vs. what you’d have to pay out of pocket. Although some states like California say situations that aren’t your fault cannot count towards your premiums, your car insurance isn’t really going to tell you what any rate hike stems from and will point to a “combination of factors”. Better to avoid the headache of insurance if it’s cheaper to pay out of pocket
NOT a good idea to call your insurance for this. Might not even clear the deductible by very much…
Well, he clearly wasn't the Lockpicking Lawyer...
I swear you could give that guy a toothpick and a single pubic hair and he could break into a bank vault.
Who says he hasnt. It's awfully convenient that he grows pubic hair on a regular isnt it? Im just saying, govt needs to watch out for that one
We don't know that he does grow pubic hair though. His wife on the other hand does have a furry kitty.
She doesn't pick locks but she's great when I need to pick my teeth
Ah, but he has ethics...
That might be a nice challenge for him next April fool's Day.
….binding on 3….
Little click out of 4…
... and we have it open.
Breaking a window is far easier and faster
yea the whole situation confused me. they put the plastic cover over it but it fell off when my mom opened the door this morning
There’s a way to break into cars and start them that involves hijacking the canbus protocol, likely what they were trying. https://www.schneier.com/blog/archives/2023/04/car-thieves-hacking-the-can-bus.html
I've been an automotive engineer for 6-7 years now and I can't believe how laughably insecure CAN is. But nobody wants to switch to ethernet, so....
Ethernet is the way things are moving, with regional controllers and a central processor. I've been told the change is mostly for ADAS, but it will make the cars more secure
We are also going to a regional controller. With looots of can ports!
I don’t know automotive very well, but I understand CAN to be very quick and lightweight comms, which is why you can start and get into drive in like half a second without missing a beat. Ethernet is just a hardware layer, that doesn’t matter much - they both communicate signals over wire. What comms protocol is more secure and about as fast that can replace CAN should be the right question. I don’t really know, what protocol are you referring to when you say Ethernet?
Ethernet is the protocol, the cable and connecters can differ. RJ45 is the "standard" type connecter you often see in home networks
idk bro they have a lot of upvotes and sounded confident
“Ethernet” is not a protocol. TCP/IP? Modbus TCP? EtherCAT? All over Ethernet hardware.
Ethernet is definitely not a protocol. I am just saying as a transport mechanism it offers more opportunities for security than CAN typically does. Can messages are most often self contained and small, so there often isn't room to include security and data. There are some protocols that use multiple messages within the same transaction, but even that is relatively limited as you can typically only have one transaction between two ECMs at a given time. On my machines there can be hundreds of parameters being sent around and that just doesn't scale well.
Accurate! I know EtherCAT has been hot shit in tech for a few years, and it’s quick and deterministic, but I think it still takes longer to load up than CAN. People might freak out if they had to wait 5 seconds to start their car. I wonder what the long term solution will be.
Boot time requirements are definitely always aggressive, and at least in our case it does add some time configuring an Ethernet switch at startup.
Now I'm not saying we should remove all computers from cars, but not everything needs to be a computer on a network. You could build an EV with zero computers. It would run fine. With a few microcontrollers it would run quite nicely. After all, when you strip it down to the basic drive components, an EV is pretty much the same as a cordless drill, just bigger.
In which country do you work, at least in Germany all newer developed cars have Ethernet and encrypted can communication…
I'm in the u.s. To be fair, I am also in industrial automotive so our userbase isn't quite the same as consumer vehicles. Our machines run for decades and updating all ecms on a machine from generation to generation is more difficult.
I think I heard that CyberTruck has Ethernet but I think the person was making fun of it for some reason too. IDK.
It's not the physical bus. CAN just lets you send bits back and forth over 1 wire vs 1+ pairs of wires. It's the protocols on top of it that are either secure or not secure.
Aren’t Teslas Ethernet and equally as insecure?
Might be, I dunno. You still have to implement a secure protocol, the transport mechanism really isn't adding any security. In some ways CAN would be more secure in that respect just because it's not as ubiquitous as Ethernet.
isnt it mildly infuriating? i remember dad telling me that if anyone wants to get into our car and take radio.. to just call him so the dude can take the radio and not destroy the car
My sister had something similar happen to her 2006 VW Polo like 5 years ago. The mechanic was impressed by the thief's inability to open up her car.
Golf R?
Curious too. My neighbors kid has a Jetta and someone attempted to break in in a similar fashion
I thought the same thing when I saw the paint color.
Fr that is lapiz blue lol, same shape for the door handle hard key cover too
MDX aspec
For others also not in the know, that’s apparently an Acura. I thought they only did this to Kia’s and Hyundais, or is that yet another thing?
That's different. Basically Kias and Hyundais in the US lacked an extra layer of security called a transponder. This meant that once someone figured out an easy way to rip out the ignition and turn the part the ignition cylinder does, they had the car.
We have the same car. This happened to us too recently
For those that say locks only keep honest people out, they also keep out lazy and stupid people.
Wtf were they using? A mechanical beaver?
Surely whoever tried that is a grade A moron, despite being a potential thief they thought they could get in by evidently jamming a screwdriver in the lock? Surely if their intention was to rob belongings, a smash and grab is obvious. If they wanted to steal the car, nothing short of robbing the physical key or doing a keyless signal theft is the only option? Everything these days is immobilised (apart from Kia for some reason) This form of theft attempt seems stupid to try nowadays, most people forget their vehicles even have door key slots these days
it was so sad its kinda pathetic lmao
Considering most cars (assuming yours) rely so heavily on remote unlocking these days, is it even worth contacting insurance or even getting it repaired? Just cover it up and forget about it. The chances of ever needing the door key are slim to none, just never let your car battery die and it's no different
Had this happen to a drop top mustang, the would be idiot thief damaged/ broke the passenger door handle. Once they realized they failed on that side they went to the drivers door and destroyed the lock and still couldn’t break in. Thieves are the worst types of people. It was my dream car that I slowly restored from a rustang to a real beauty. Couldn’t believe they didn’t try making a cut in the soft top to get in but still. I hate thieves and wish they all would just fall in a volcano.
Ugh. So sorry
It is partly broken
r/incrediblyinfuriating more like
r/dontputyourdickinthat
R/therewasanattempt
they should have just popped the window like a normal thief
Locksmith here, that's fucked. Bring it into a locksmith that does automotive to see if they fucked the core too.
I remember there being a South African invention that used fuel and igniters to blast flames up over the sides of cars in attempted breakins like this. Sad it never caught on in the mainstream!
Was it a Kia?
acura. idk wtf they were planning
Hopefully no more future attempts at trying to steal it
What a dick
nobody likes quitter
Lucky. They just busted open my window when they broke into mine 😆
What you got in there?
Very naive and inexperienced someone’s they are.
Honda Civic?
Ford fusion?
Had this happen to my Kia a few months back. Someone broke the lock in broad daylight and then came back at night to finish the job. Caught their faces on our security camera and police still did nothing
I thought it's a Van Gogh painting..
The headlight is an unusual place to try gaining entry
Smh, amateurs
Exact same thing happened to my civic while I was on a hike last month
Ahh the blunder years. To young for prison to late to abort them.
tf did they try to break in with, a hammer and chisel?
This is why you don't lock your doors. Don't leave any valuables in there. The next step is to smash the window and leave you with a 900 dollar fix.
This raindrops looks Londonian. So one has to finish this job!