Truck Theft Crosspost

I also hang out on the Ford Truck Enthusiasts forum. Someone there just posted the story of his truck theft. I thought it was interesting enough that I decided to cross-post it here.

*2016 F-250 STOLEN (... and recovered)*


------------------------------------------------------------------------


This post is for the special attention of heavy duty or super duty


pickup truck owners.




On August 30, at around 3:15 AM, my like new 2016 Ford F-250 (my TV) was


stolen from my driveway. I reported the theft to the police immediately.


The truck was recovered about 16 hours later in Miami, about 30 miles


from where I live. Vehicle condition overall was actually pretty good,


save for the significant electronics damage discussed below and damage


to locks/ignition.




All of the contents were missing, of course, as was the spare tire and


the tire jack. This included much RV equipment (power, towing, etc.) and


about 10K in photography gear. They also took the heavy duty "weather


beater" floor mats. I won't ever know why the truck wasn't stripped


further for part-out.




Missing too were the two sets of keys for my brand-new Airstream travel


trailer, and the keys for every padlock I own, including the one use to


secure the Airstream in place in its storage lot.




The detective said that Ford Super Duty diesels are highly targeted as


they are used in other crimes, primarily as tow-vehicles to facilitate


the theft of large trailered boats and RVs. Interestingly, the receiver


pin lock I use was still in place. The key for THAT stays with my


vehicle key. So, my truck had not been used to trailer or tow anything


on the hitch while it was gone.




The doors were locked. The means of entry was "brute force." They used a


screwdriver or similar tool to punch the door lock cylinder out. Same


was then used to open the door. Once inside, they removed the "kick


panel" on the passenger side and pulled out some of the wiring. They


knew which cable bundle to disconnect to disable the alarm (horn). Then


the popped the hood.




They disconnected the three cable bundles leading to the ECM (electronic


control module). I reckon they used another ECM, a “clone,” which they


had a key FOB matched to. They bridged the connections with the clone.


They were then able to pop out the ignition cylinder assembly and start


the truck with a screwdriver.


This all took them very little time.




While my comprehensive insurance is awesome covered the truck repairs,


the contents are another story. High deductibles on both home owners and


business insurance, and caps on payouts. Sucks. This is a very, very


expensive incident. The feeling of vulnerability and sense of


frustration are a real cost, too.




After three weeks, the repair facility still didn’t have my truck


running. I was running out of coverage for the rental vehicle (capped at


$500) and sick of driving a Nissan Sentra. So, I traded the dead truck


for a new F-350. The dealership allowed me to remove the Titan 50 gallon


after market fuel tank and the awesome roll top cover I had on the


F-250. Both of those items are now for sale as they don't fit the new rig.




The difficult lessons I've learned and am sharing are: 1.) the factory


anti-theft mechanisms (PATS) are completely insufficient to prevent a


skilled thief from stealing your big truck. Something else is needed.


Please be aware and act to get a secondary protection layer in place if


you don't already have one. 2.) Your truck is highly valued by thieves


and is one of the most stolen vehicles in the U.S. 3.) Talk to your


insurance agent about beefing up your rental car provision in the event


of a loss. A Sentra ain’t pulling ****.




Regards to all,


David
 
So, the interesting things to think about:



How much "stuff" is always in your truck, and how valuable is it? What's the deductible on any insurance coverage on these items? How high is the cap? Could you prove, to your insurance company's satisfaction, that you owned all this stuff and it was in the truck when it was stolen?



What is the limit, if any, on any car rental coverage for a case like this?
 
Extremely valuable post. This is an area often neglected from those among us who highly modify our vehicles and maintain them in a "expedition ready" status.

Much to ponder...
 
Some insurance companies also let you add a dollar value for vehicle modifications. I know Progressive does up to $5000.
 
Unfortunately, I've never bothered to keep receipts for stuff I buy. Guess I'll just have to put a tarp on the ground, next to the truck and spread all that stuff out on it and get lots of pictures.

I have a toolbox drawer full of receipts. I keep them as long as I own the vehicle.
 
One word- Ravelco. There has not been be case of a Ravelco equipped truck (with the Ravelco key removed) being stolen. That includes tests done by the Association of auto insurers in Mexico. It cost $500 to have it installed on my van. No alarms or whistles. It just simply will not start even if hot wired.
 
One word- Ravelco. There has not been be case of a Ravelco equipped truck (with the Ravelco key removed) being stolen. That includes tests done by the Association of auto insurers in Mexico. It cost $500 to have it installed on my van. No alarms or whistles. It just simply will not start even if hot wired.
And that record stands at 43 years running.

Side note: If you leave Ten THOUSAND dollars worth of photo gear in your vehicle, you're an idiot. Plain and simple.
 
And that record stands at 43 years running.

Side note: If you leave Ten THOUSAND dollars worth of photo gear in your vehicle, you're an idiot. Plain and simple.

I would always remember that I left ten thousand dollars of photo gear in my vehicle right after it's been stolen. :p
 
Ahh. He can call it 1M in gear, his auto insurance has limits. lol.

...and a very robust insurance fraud team as well.

Having spent a little time with the Government Employee Inusrance CO. provided some valuable insights into theft coverage's as well as the broad spectrum of their investigation units.

I manage a simple data system (manila folder, paper reciept) for each piece of equipment and automotive rolling stock I own. Comes in handy in tragic situations like this, as well as upon resale.

"With receipts" removes a lot of guesswork and usually speeds reimbursement in these cases.

What is the limit, if any, on any car rental coverage for a case like this?

This is dependent upon the customer's chosen coverage. Rental car allotments are usually optional, or considered an upgrade on individual auto policies.

ie:

Rental reimbursement coverage may be subject to a daily and per claim limit.

For example, if you have $25 per day/$750 per claim rental reimbursement limits, GEICO will pay up to $25 per day but no more than $750 per claim for your rental vehicle.
 
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