Across Canada, rates of reported carjackings are rising. According to Équité Association, around 80,000 carjacking cases were reported in the past year. As a precaution, police are warning drivers to stay diligent and take extra measures to protect themselves, when parked and when on the road. To reduce your risk of experiencing a carjacking, consider these preventative measures to keep yourself safe:
The vehicle you drive, where you live, and the locations you park in can all increase your risk of experiencing a carjacking. As rates of carjackings rise, take these steps to protect yourself when you’re on the road.
Besides being in the wrong place at the wrong time, there are certain specific factors that can increase your risk of experiencing a carjacking. For example, certain vehicle makes and models are more susceptible to carjacking, including Honda Civics, Honda CR-Vs, Lexus RX 350s, Toyota Highlanders, and Dodge RAMs, due to their low profile and ability to blend in easily in traffic.
Where you live can also increase your risk of experiencing a carjacking. As reported cases continue to increase in urban centres across Canada, city residents should be extra vigilant in their efforts to prevent carjacking.
The short answer is yes — your car insurance policy will cover theft by carjacking if you have the right coverage in place. Vehicle theft is typically covered under optional specified perils, comprehensive, or all-perils coverage, and this includes theft that occurs as a result of a carjacking.
If there were valuables in your vehicle when it was carjacked, it’s unlikely that your car insurance policy will cover your stolen belongings. In this case, contact your home insurance provider to see if the stolen items will be covered under your home insurance policy.
If your car has been stolen in a carjacking, make a police report before submitting a claim with your car insurance provider. To submit a claim, contact your insurance company’s claims department, or contact your broker at Newman Insurance if you have any questions about the process.
Reach out to your licensed insurance broker at Newman Insurance if you need help reviewing your car insurance policy and making sure you’d be covered in the event of a carjacking.
The content in this article is for information purposes only and is not intended to be relied upon as professional or expert advice.