More Drivers Losing Their Cars By Leaving Their Keys In Them

keysincarLast year, a vehicle was reported stolen once every 45 seconds in the United States.  And one out of every eight thefts was a freebie for the thief.  There was a theft every six and one-half minutes where the driver left the keys or FOB inside.

It’s a growing problem according to the latest report from the National Insurance Crime Bureau (NICB).  The 57,096 thefts in 2015 amounted to a 22 percent increase over the previous year. Over the past three years, this kind of theft grew by 31 percent.

Since many people do not admit to leaving their car unlocked with the keys or FOB inside, the actual numbers of thefts with the keys left in vehicles may be considerably higher than the report indicates.

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“Anti-theft technology has had a tremendous impact on reducing thefts over the past 25 years, but if you don’t lock it up, it’s not going to help,” said NICB President and CEO Joe Wehrle. “Complacency can lead to a huge financial loss and inconvenience for the vehicle owner. Leaving a vehicle unlocked or with the key or FOB inside gives a thief the opportunity to take not only the car, but also any possessions inside. It can also provide access to your personal information if the registration is left in the glove compartment.

“We have reports from our law enforcement partners that car thieves have stolen the car, driven it to the residence and burglarized the home before the owner even knew the vehicle was missing.”

NICB advises drivers to:

  • Lock the vehicle, set the alarm and take all keys or FOBS.
  • Do not leave the garage door opener in the vehicle.
  • Take a picture of your registration on your cell phone and do not leave the registration or other papers with personal information in the vehicle.
  • Never leave a car unlocked and running to warm it up or while stopping for a quick cup of coffee. It only takes a moment for the opportunistic thief to jump inside and drive off.

For the years 2013 through 2015, a total of 147,434 were reported stolen with the keys left in the vehicle. In 2013, there were 43,643 thefts; 46,695 thefts in 2014 and 57,096 in 2015. From 2013 to 2015, the increase was 31 percent.

The top five states that posted the most vehicle thefts with keys during this reporting period were California (22,580), Texas (11,003), Florida (9,952), Ohio (8,623) and Nevada (8,073). The top five core-based statistical areas (CBSA) were Las Vegas-Henderson-Paradise, NV (7,815), Detroit-Warren-Dearborn, MI (4,380), Atlanta-Sandy Springs-Roswell, GA (4,118), Miami-Fort Lauderdale-West Palm Beach, FL, (3,847) and Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (3,365).

One state—Hawaii—had a perfect record. Not a single report of a vehicle theft with keys.

Looking at day-of-week data, Saturday saw the most thefts with (22,081) followed by Monday (21,851) and Friday (21,652).

The full report can be viewed and downloaded here.  The full dataset is here. Download an infographic here.

Hail Claims Fluctuate Over Past Three Years

Tell a claims adjuster in Texas today that hail damage claims decreased over the past three years and they might consider you crazy. Dealing with thousands of claims from recent record storms in the Dallas and San Antonio areas, insurers and their customers know how Mother Nature can be peaceful one day and in a fury the next.

A hail damaged windshield from an April 2016 storm in Wylie, TX.

A hail damaged windshield from an April 2016 storm in Wylie, TX.

The National Insurance Crime Bureau (NICB) today released the most recent three-year analysis of insurance claims associated with hail storms in the United States. In 2013, there were 720,473 hail damage claims filed. That number increased in 2014 to 824,325 then dropped in 2015 to 572,182 claims–an overall decrease of 21percent from 2013 to 2015.

The nation experienced 10 major hail-producing storms during this period according to the National Oceanic and Atmospheric Administration (NOAA), each of which caused over $1 billion in property damage. While experts debate why these storms occur, no one argues with their effects—extensive property damage and many times, loss of life.

According to data from Verisk’s A-PLUSTM property database, U.S. insurers paid almost nine million claims for hail losses, totaling more than $54 billion from 2000 through 2013.

In recent years, the costs of these hail-related claims has dramatically increased. The average claim severity during the period 2008-2013 was 65 percent higher than it was from 2000 through 2007.

Weather-related property damage can be as minimal as a few broken shingles to total destruction of buildings. This report focuses on insurance claims resulting only from hail damage.

A total of 2,116,980 hail loss claims were processed from January 1, 2013 through December 31, 2015. During this period, the top five states generating hail damage claims were Texas (394,572), Colorado (182,591), Nebraska (148,346), Kansas (127,963) and Illinois (120,513). The top five months, on average, when the most hail loss claims were reported during this period were May (165,087), April (149,040), June (129,085), March (61,072) and July (55,650).

Download the complete NICB hail loss claims report here.

Enduring a hail storm is challenging enough, but property owners must also be aware that in the wake of any severe storm, they may be visited by unethical contractors posing as sincere repairmen. Often, these “storm chasers” will descend on disaster areas and go door to door offering their repair services. Although most are honest, some are not. If the dishonest ones get your money in advance of performing any work, you’ll never see them or your money again.

That’s why NICB reminds consumers to always check first with their insurance company before signing any documents presented by a contractor whom you did not request to appear. It’s why we say, “If you didn’t request it, reject it.”

NICB has produced a new public service announcements on contractor fraud that can be seen here and here.

The following tips are also helpful:

  • Get more than one estimate
  • Don’t be pushed into signing a contract right away
  • Get everything in writing
  • Require references and check them out
  • Ask to see the contractor’s driver’s license and write down the number and the license plate on his or her vehicle.

More consumer protection information is available in our library of brochures.