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RFID-enabled Vehicles: Pinch My Ride

Billosaur writes "Wired has an excellent article on the problems with the theft of RFID-enabled vehicles and how insurance companies are so over-confident in the technology, they are denying claims when such vehicles are stolen. Example: "Emad Wassef walked out of a Target store in Orange County, California, to find a big space where his 2003 Lincoln Navigator had been. The 38-year-old truck driver and former reserve Los Angeles police officer did what anyone would do: He reported the theft to the cops and called his insurance company. Two weeks later, the black SUV turned up near the Mexico border, minus its stereo, airbags, DVD player, and door panels. Wassef assumed he had a straightforward claim for around $25,000. His insurer, Chicago-based Unitrin Direct, disagreed." Their forensic examiner concluded that since all the keys were accounted for, there was no way the engine could have been started, despite the evidence that the ignition lock had been forced and the steering wheel locking lug had been damaged."

429 comments

  1. In other news by BlackCobra43 · · Score: 5, Insightful

    A local man who was the victim of a Home Invasion was shocked to learn that his insurance claim was denied because "As all of his home keys were still in his property, no one could have entered the house". Shard of broken glass, the robber's blood, his conviction in court and a lucky passerby's videotapes were also dismissed as "clever fakes". InsuranceCo stock jumped another 3 points today...

    --
    I never spellcheck and I freely admit it. Save your karma for more worthwhile "lol erorrs" replies
    1. Re:In other news by Anonymous Coward · · Score: 1, Insightful

      It's also possible to tow such a car.

      A car can be stolen without starting its engine.

    2. Re:In other news by pilgrim23 · · Score: 2, Interesting

      ever cracked open a hard drive? the super magnets inside are real hany for use on RFID equipped keys. they disable them rather quickly. SHHH! don't tell anyone.

      --
      - Minutus cantorum, minutus balorum, minutus carborata descendum pantorum.
    3. Re:In other news by 'nother+poster · · Score: 2, Insightful

      When did they start putting super magnets in drives? The read/write heads are electromagnets, and they aren't particularly powerful. Their biggest points are they generate a very small field so the bits can be smaller, and that they can state change REALLY fast.

    4. Re:In other news by c_woolley · · Score: 1

      LOL No kidding. Although this is probably not the case here, since the keys were in his possession and the RFID portion for access would not be vulnerable here. Must have got in with that handy little device called a coat hanger or jimmy.

      My personal theory:

      Since this happened in California (and we can't judge the Intel-e-gents of a Californian easily), I am going to guess it was hot and the guy left his window unrolled. From that point, the high tech theft (usually a screwdriver, hammer and wire cutters involved here) took place. Who knows, he could have even left his door open to begin with...

    5. Re:In other news by GundamFan · · Score: 2

      The "super magnets" are part of the head movement mecanism.

      --
      I don't give a damn for a man that can only spell a word one way.
      Mark Twain
    6. Re:In other news by 7x7 · · Score: 1

      You've apparently never pulled the magnets from a hard drive. Try it sometime.

    7. Re:In other news by LocalFire · · Score: 1

      I have got to say that if this is really happening I am reasonably sure that the victim would have a case for unreasonable failure to settle, for which a Utah jury awarded more than $200 million a couple of years ago in a case that involved more damage. Some lawyers will make serious money on these cases.

    8. Re:In other news by BatMacumba · · Score: 1

      You see, this is why The Terrorists hate the U.S. In our great country, we can work hard, buy a money-eating, planned-obsolescent, poison-emmitting, car based on technology that was old in the 1800's and 99% manufactured outside of the U.S., then pay a usurious monthly insurance required by 'our' law. After the conditions of the contract with the insurance company are met, these Great Institutions then use any means possible to duck their committment and treat any claimant as a criminal. To paraphrase Henny Youngman, 'Take my country, please.'

    9. Re:In other news by TClevenger · · Score: 2, Funny

      Pull the magnets from a 5 1/4" full height drive with 10 platters. I can pick up an empty file cabinet with mine.

    10. Re:In other news by dgatwood · · Score: 1

      Yeah, but the giant magnets in the motor assembly that spins those platters will just about sever a finger if you aren't careful with them near a metal surface. Those things are seriously strong.

      --

      Check out my sci-fi/humor trilogy at PatriotsBooks.

    11. Re:In other news by Schraegstrichpunkt · · Score: 2, Informative

      Modern hard drives don't use stepper motors to position their heads. Instead, they use a voice coil between two strong magnets. By varying the current through the coil (under closed-loop control) they can vary the position of the heads.

    12. Re:In other news by Anonymous Coward · · Score: 0

      "Chicago-based Unitrin Direct" is the problem, not "insurance companies" like the headline text claims. My wife used to sell auto insurance for an independant agency. There are a lot of companies that sell insurance to brokers that many of us have never heard of or that can only be bought through a broker or independant agent, Victoria, Bristol-West, GMAC and many others.. In general, they are not as fair or understanding as the bigger more widely known companies and typically the only people that get insurance from these places can not get insurance from a more reputable or customer friendly place because of risk or they were too lazy to shop around.
      We have four cars, home owners and a 2 million unbrella policy (something people with a house should really consider) from a real insurance company. A quote from some of the above mentioned companies and only for our four cars (not the umbrealla and homeowners) cost more then all of our coverages we currently have and does not include perks like towing, quick claim turn around, they pay out to you and then sue the other guys company for the money on your behalf etc... Some people have no choice.

    13. Re:In other news by Anonymous Coward · · Score: 0

      GundamFan explains - "super magnets" are part of the head movement mecanism.

      Interesting! We like the 'electronic life'! Please join us again to see which player is best for you - ipod and the brand new Microsoft all in one player. I'm Tasha Tankaowski.

      Next on CNN -

      It's really fucking hot again this year in the midwest.

      Some Hizbulla and Jews got killed. Many Lebanese are deader than shit, but not nearly as many Isrealies! WWIII next. Bush is culpable! Impeachment soon! Nukes. Israel is the aggresor. Lebanese wish for peace.

      Mel Gibson is a fucking loon. Is the pressure from the new movie to blame? Is he a nice guy? Mel Gibson apologises????

      There is HEAT RELATED DEATHS IN CALIFORNIA. SOMEONE CRASHED A TRUCK ON THE 405 AFTER SPEEDS OF UP TO 80MPH.

      NEXT ON CNN.

    14. Re:In other news by Warshadow · · Score: 1

      My father used to have the magnets from an old 80 meg mainframe HD. One of the ones where the platters was about the size of the tires on your car. The friggin thign weighed about 30lbs and you could pull a car with it :)

    15. Re:In other news by Anonymous Coward · · Score: 0

      This happened to me in Chicago once.

  2. DNA by chevman · · Score: 4, Interesting

    This is similar to the assumption that if your DNA is present at a crimescene, you must by default be guilty.

    1. Re:DNA by Anonymous Coward · · Score: 2, Interesting

      You've watched Gattica one too many times. In the real world, people don't get convicted just because an eyelash fell out.

      If your DNA is found inside of a rape-victim's vagina, however, then yes, you probably are guilty.

    2. Re:DNA by Anonymous Coward · · Score: 0

      Especially if she is a psycho stalker that has been rejected one too many times...

    3. Re:DNA by Anonymous Coward · · Score: 0

      This is similar to the assumption that if your DNA is present at a crimescene, you must by default be guilty.

      How is it similar?

      I think your analogy makes as much sense as two purple monkeys trying to knit a sweater for the handicapped giraf who's living next door.

    4. Re:DNA by Shippy · · Score: 2, Funny

      If the glove don't fit, you must acquit!

      --
      -Shippy
    5. Re:DNA by Anonymous Coward · · Score: 0, Funny

      I don't think there was any need to bring your girlfriend into the conversation.

      Oh right, you don't have one. My mistake!

    6. Re:DNA by damiangerous · · Score: 4, Insightful
      If your DNA is found inside of a rape-victim's vagina, however, then yes, you probably are guilty.

      You're guilty of having sex with her around the time she was raped, yes. Is that enough to convict you of her rape? Not by a long shot.

    7. Re:DNA by The+Clockwork+Troll · · Score: 1

      My bathtub full of brightly-colored machine tools would absolutely disagree with us.

      --

      There are no karma whores, only moderation johns
    8. Re:DNA by andrewman327 · · Score: 2, Funny

      No one wants to serve 10-15 for serving 10-15 in your mother.

      --
      Information wants a fueled airplane waiting at the hangar and no one gets hurt.
    9. Re:DNA by LuminaireX · · Score: 0, Troll

      Uh, if the sex was consensual I doubt you'd even be in court in the first place. All she would have to do is say "yeah, I had sex with him, but this other dude raped me." Of course, that would imply that women are capable of rational thought.

    10. Re:DNA by vux984 · · Score: 3, Insightful

      Uh, if the sex was consensual I doubt you'd even be in court in the first place. All she would have to do is say...

      That also assumes she's still alive.

    11. Re:DNA by Anonymous Coward · · Score: 0

      That also assumes she's still alive.

      Is it wrong that this made me giggle?
    12. Re:DNA by jhutch2000 · · Score: 1

      If your DNA was the ONLY foreign DNA found in her vagina .. yep, that should be enough to convict you (provided there was evidence that it WAS rape and not consentual sex).

    13. Re:DNA by macdaddy · · Score: 1, Insightful

      And that she doesn't have overbearing overzealous parents who will never believe that Daddy's Little Girl (tm) could ever have premarital sex so it must have been rape.

    14. Re:DNA by Anonymous Coward · · Score: 1

      How much DNA is left in the vagina when the rapist uses a condom?

    15. Re:DNA by Anonymous Coward · · Score: 0

      Yes. Very much so.

    16. Re:DNA by Anonymous Coward · · Score: 0

      I like my women as I like my coffee: Ground up, and sealed in vacuum bags.

    17. Re:DNA by tengwar · · Score: 1

      Yes, but here's the catch: the tests don't verify that it's your DNA. They look for a match on a number of alleles, not on the whole molecule. That means that perhaps one person in a million matches. Now if there's something else to make you a suspect, that's very strong supporting evidence. If on the other hand this is the only evidence against you, it's very weak. Assuming the USA has a population has a population of 220M, that means that there are about 220 other people who would match, but you've been pulled in because your DNA is in a database and theirs isn't. Fingerprints work on a similar basis: even if you assume that a fingerprint is unique (and although this is often claimed, I've never seen supporting evidence), the comparison only uses a limited number of points, which makes it a probabilistic comparison.

    18. Re:DNA by Ced_Ex · · Score: 1

      If your DNA was the ONLY foreign DNA found in her vagina .. yep, that should be enough to convict you (provided there was evidence that it WAS rape and not consentual sex).

      Short of violent evidence (bruises, cuts, and scrapes), any evidence you find in a rape can likely be found in consensual sex as well.

      I think that's the problem, it basically boils down to he said/she said. And even then, just the accusation of being a rapist is enough to condemm a man to hell.

      --
      Live forever, or die trying.
  3. Wired had a bit about this last month by dfn_deux · · Score: 4, Insightful
    Seems that there are at least a handful of commonly known/used methods for circumventing rfid embedded key/security systems in cars. Several of these are documented by the manufacturers of the cars. It is a ridiculous notion that if say all the keys to the car had been lost that it would then be impossible to somehow replace the keys or reprogram the system for another set. Any insurance company making such claims is obviously letting the smell of money overwhelm their senses and has overlooked what is quite simply the fact of the matter...

    The man in the headline should clearly be bending his insurer over a barrel and giving them a good legal fucking...

    --
    -*The above statement is printed entirely on recycled electrons*-
    1. Re:Wired had a bit about this last month by MindStalker · · Score: 3, Insightful

      And none of these methods involve breaking the steering column as well as take some serious planning as well as obtaining manufacuring codes.

    2. Re:Wired had a bit about this last month by HugePedlar · · Score: 1

      The steering lock is a mechanical device, which requires either a key or something to break it with before you can turn the wheel. Since all keys were accounted for, the only way to steal the car is to break the steering lock (and, of course, fool the RFID reader). No conspiracy here.

      --
      Argh.
    3. Re:Wired had a bit about this last month by dfn_deux · · Score: 3, Insightful
      Actually all of these methods require the steering column to be opened in order to disable the steering lock detent mechanism. And they do require preplanning, but if you are targetting a specific make/model fo car then the planning isn't too difficult. It is foolish to assume that theives are just going about this willy nilly and stealing in the heat of the moment when they are overcome with desire. Often times thefts are carried out by highly organized gangs with the specific intent of picking specific targets with high resale of stolen parts and then carrying out well planned thefts where-in their chances of getting caught are signifigantly lowered and their probability of getting a big pay day are likewise raised.

      Tis a foolish man who assumes that dishonesty goes hand in hand with stupidity (and vice versa for that matter) high technology secuirty systems just encourage theives to be much more sophisticated...

      --
      -*The above statement is printed entirely on recycled electrons*-
    4. Re:Wired had a bit about this last month by EastCoastSurfer · · Score: 1

      It's also the smart criminals you don't hear about too much b/c they don't get caught nearly as frequently as the dumb ones.

    5. Re:Wired had a bit about this last month by rworne · · Score: 4, Informative
      It is certainly possible to get new keys. The reason there is an "urban legend" that it's impossible is because of the dealers - who charge ridiculous amounts to replace said keys: typically $80-$120US.

      I find that odd, since key blanks are really cheap. That and the RFID industry is claiming the technology is so cheap they can put these tags on merchandise for mere pennies.

      Honda can reprogram the immobilizer system even if you have no keys. It does require the dealer's help - just because they have access to the HDS (Honda Diagnostic System) that is required to perform the task:


      REPLACING ALL PROGRAMMED IGNITION KEYS
      If your customer has lost all of the programmed ignition keys, you need to replace all of the keys and rewrite the ECM/PCM with the HDS. The HDS clears all transponder codes from the memory of the ECM/PCM and stores the transponder codes of the replacement ignition keys.


      Each manufacturer does this differently, so there are some manufacturers that have immobilizer systems that cannot be reprogrammed without an ECU change if the master/learning key is lost.

      --
      I tried every decent and legal way I could think of to resolve the issue w/the business before I rented the chicken suit
    6. Re:Wired had a bit about this last month by weeble · · Score: 1

      This again is not quite accurate.

      If you take the VIN (Vehicle Identification Number) to any main dealer they are able to order you a key or have one electronically cut while you wait. I have done this on a couple of occasions with an ordinary Toyota.

      The VIN of my current Volvo is on display in the windscreen (to allow for law enforcement agencies to easily check it matches the Index plates).

      An unscrupulous employee of a main dealer can easily obtain a new set of keys. The keys therefore will never all have been 'accounted for'.

      --
      Slashdot Beta should die a painful death.
    7. Re:Wired had a bit about this last month by XorNand · · Score: 1
      Tis a foolish man who assumes that dishonesty goes hand in hand with stupidity (and vice versa for that matter)
      Intelligent criminals seem to be the rare exception. Last Friday a couple of guys broke into my girlfriend's '99 S-10 compact pickup truck while she was work--in the middle of the day, in the middle of a busy shopping center parking lot. They unsucessfully attempted to pop the door lock for 10 minutes, so they smashed in the backseat window. What did they take for all their effort? A checkbook, vehicle owner's manual (wtf?), and a $100 K-Mart dome tent.

      All of this was witnessed by a guy waiting in his car for his wife to get done shopping. He promptly called the police on his cell phone. The geniuses must have been surprised that someone actually witnessed what must have been extremely obvious since they were arrested 20 minutes later, in the shopping center across the street, casing more cars. Having the highly identifiable checkbook marked into evidence certainly isn't going to help their case. I wonder what they spend the weekend in jail thinking about?
      Pic of the bang-up job on popping the door
      Pic of the smashed window
      Pic of the truck

      Sorry... I just had to vent since this article was very timely. Guess the suburbs aren't far enough away from Detroit...
      --
      Entrepreneur : (noun), French for "unemployed"
    8. Re:Wired had a bit about this last month by TinyManCan · · Score: 1
      This is not always the case. I do not know how the Navigator works, but in the case of my Dodge Neon SRT4, the dealership is NOT able to make a key without having the car physically present. They can't just look in a database and cut a new key for you, they have to make the new key and then teach the car to recognize it.

      I am sure that enterprising thieves could, given enough time, get around this, but it does make me more comfortable.

    9. Re:Wired had a bit about this last month by bleh-of-the-huns · · Score: 1

      I have one of the new smart keys on my 07 camry (hybrids come standard with the smart keys). The key comes with a little tag, if you lose it, you are SOL, you will need all new keys and recode the ecu on the car. Even if the dealship did keep a copy, its $800 per key, not something your avg joyriding thief is going to cough up to steal your car. The more persistant thief, maybe...

      --
      I came, I conquered, I coredumped
    10. Re:Wired had a bit about this last month by Doctor+Memory · · Score: 1

      Dunno, seems to me that all you'd need to do would be to break the steering lock, then replace the ECU chip with a cable to a laptop running generic Ford engine management software (who cares how well it runs, as long as you can get it moving). I'm sure there are some "tuner setups" for Mustangs, at least, and I wouldn't be surprised if there was something specifically for the Navigator. Yeah, it's non-trivial, but these guys got a few grand worth of parts out of just one vehicle; amortize the cost of stealing a laptop ($0) and jacking some software ($0) across several thefts and go immediately to step 4: PROFIT!!1!

      --
      Just junk food for thought...
    11. Re:Wired had a bit about this last month by Ced_Ex · · Score: 1

      At least the thieves in your gf's case stole something for their efforts. When my gf's car was broken into, they smashed the small triangle window in the back seat, rummaged through her entire car, stole nothing. In fact, they even left her $1.15 in change.

      Talk about a waste of time for everyone. The least they could have done was look through the window to see if there was anything worth taking and then move on to someone else's car.

      --
      Live forever, or die trying.
    12. Re:Wired had a bit about this last month by Anonymous Coward · · Score: 0

      True. The issue is really the keys. They can cost a person $100. Its not about loosing a key but about what happens when the module itself goes bad. You have to buy a new module, and 2-3 new keys which is quite expensive. So there are ways to get the module to like 'new' keys so in case a module goes bad you dont have to toss all your perfectly fine keys and re-key your doors/trunk, etc. or however they do.

      So some OEMs want a database so they can reduce cost, others prefer higher security at the request of the insurance companies.

      I was not entirely believing the article as I personally worked on design/engineering of auto transponder systems. I was never able to block the transponder with aluminum foil. cant say for tin foil. Transponder is Low Frequency, not high frequency like radio signal. Low frequency will go right through that foil.

      I really fall on the side of believeing that the car could not be started without the key in a resonable amount of time. (that time in Europe would be longer due to their laws)

      Personally I always like to emphasize to folks I am working with that its not enterprising thieves that break these devices. Its the designers/engineers who developed it that release the secret back-doors. I did not design any backdoors in the system I worked on so if you loose your keys, your SOL.

      Also there is no record/playback on modern transponder systems. maybe 5 years ago but certainly not on a new $30000+ vehicle. Also this moving parking brake and sequence of stuff to get it to work sounds to me like an outright lie. The cost to implement such a system would outweigh any savings given on those rare occasions where it works. Not to mention that in a low end car like that its unlikely any single module would be listening to all those inputs AND have the authority to authroize vehicle start which is normally only authorized by the ignition anti theft module. AND he suggested the code would be different on every cay? No way in hell.

    13. Re:Wired had a bit about this last month by TClevenger · · Score: 1

      I would also wonder how quickly one could unplug the ECU and plug in a known good one. In my hometown, about 25% of the car thefts are of cars that are left running to warm up in the mornings. If the thieves have an ECU and a matching key, they could theoretically have their "spare" ECU plugged in in seconds and be off with their matching key.

    14. Re:Wired had a bit about this last month by Anonymous Coward · · Score: 0
      Each manufacturer does this differently, so there are some manufacturers that have immobilizer systems that cannot be reprogrammed without an ECU change if the master/learning key is lost.


      For example... Honda! (on their motorcycles)

    15. Re:Wired had a bit about this last month by StikyPad · · Score: 1
      It does require the dealer's help

      Not necessarily.
    16. Re:Wired had a bit about this last month by toddestan · · Score: 1

      There really isn't any reason why someone with the right tools couldn't program a key to steal a car "out in the field", given enough time alone with the vehicle.

    17. Re:Wired had a bit about this last month by rworne · · Score: 1

      True, but not everyone has $9000 burning a hole in their pocket just to reprogram their immobilizer keys.

      --
      I tried every decent and legal way I could think of to resolve the issue w/the business before I rented the chicken suit
    18. Re:Wired had a bit about this last month by mlynx · · Score: 1

      That's true, but a professional theif certainly has $9K in their pocket to make stealing a car simpler and easier. In fact, the profits from parting out a single car would probably net more than that amount.

  4. Insurance companies will seek any excuse... by Robotech_Master · · Score: 5, Insightful

    ...to deny claims. That's what they do. Insurance companies aren't in business to pay for people's losses, they're in business not to pay for people's losses, because the less they pay out, the greater profit they make. The portrayal in The Incredibles was just about dead-on. So getting them to fork over is often like trying to squeeze blood from a stone even at the best of times.

    --
    Editor Emeritus and Senior Writer, TeleRead.org
    1. Re:Insurance companies will seek any excuse... by Chineseyes · · Score: 0

      While you have a valid point I found it hilarious that The Incredibles was being used as a reference in a post.

      --
      I think the invisible hand of the market has its middle finger extended

      --A wise old fart named SC0RN
    2. Re:Insurance companies will seek any excuse... by Last_Save · · Score: 1, Insightful

      I would have to agree, my own car insurance company is refusing to pay for medical bill's (MVA + No fault Polices) becuase their "doctors" went over my medical reconds and determined that a flare up with my back is a whole new injury and not at all related to my MVA (wich it is). It is ridiculuos how often insurance companies will go to avoid paying out.

    3. Re:Insurance companies will seek any excuse... by Anonymous Coward · · Score: 0

      Really, I found it great, while watching that movie, how true to life the potshots they took at Bob's insurance company were. My parents have had to go to great lengths to get insurance companies to fork over for car accidents; a friend of mine was nearly refused insurance funding for an expensive operation that his doctor insisted was necessary to his continued long-term survival. And I can't remember any other movie where insurance companies were presented as the sorts of heartless bastards they often are. :)

    4. Re:Insurance companies will seek any excuse... by Anonymous Coward · · Score: 0

      Ahh, but The Incredibles was far more accurate than you think. For example, at UHC, the people that reject all the claims piss off the customer service people so much, that if you are nice on the phone you they will do whatever they can to get your claim approved (or at least cause trouble for the people in charge of rejecting claims.) I one time had a years worth of claims resubmitted for processing by a nice customer service person. On the second pass, all the rejected claims were approved.

    5. Re:Insurance companies will seek any excuse... by Robotech_Master · · Score: 1

      And I clicked the "post anonymously" instead of "no karma bonus" checkmark. grumble.

      --
      Editor Emeritus and Senior Writer, TeleRead.org
    6. Re:Insurance companies will seek any excuse... by Lonewolf666 · · Score: 2, Insightful

      I would mod your post up, but since it is already at +5, I'll confirm it instead:

      There have been cases among my acquaintances and relatives where the insurance companies refused to pay with the most threadbare excuses. My conclusion is to have only the most essential insurance and to be ready to sue the insurance company if necessary.

      --
      C - the footgun of programming languages
    7. Re:Insurance companies will seek any excuse... by Phreakiture · · Score: 4, Insightful

      Insurance companies aren't in business to pay for people's losses, they're in business not to pay for people's losses, because the less they pay out, the greater profit they make.

      Insurance companies are corporate gamblers. They are betting you are a good driver and that your car won't get stolen or damaged. Your insurance premium is reflective of how good of a bet this is.

      That said, when they lose the bet, they will try to weasel out of paying it.

      --
      www.wavefront-av.com
    8. Re:Insurance companies will seek any excuse... by Anonymous Coward · · Score: 3, Insightful

      Insurance companies are corporate gamblers.

      No they are not. No more than the casinos are gamblers. They operate within a designed system that ALWAYS works out to their advantage. They know how many cars get stolen per year in Palo Alto, and charge you accordingly.

      If your car gets stolen, they are still ahead.

      Insurance takes the risk of one individual and spreads it across an entire population.

    9. Re:Insurance companies will seek any excuse... by Sax+Maniac · · Score: 2, Informative

      MOD PARENT UP! They've already made their money. they win even when they lose. Otherwise the actuary should be fired.

      --
      I can explanate how to administrate your network. You must configurate and segmentate it, so it can computate.
    10. Re:Insurance companies will seek any excuse... by ksheff · · Score: 1

      I agree. I was in a minor accident earlier this year that the cops determined wasn't my fault, but the insurance company for the old lady that hit me refused to accept that and insisted that I was partially at fault. I eventually filed it with my insurance company and had to wait for them to refund my deductible after they settled with the other company. I didn't want to go that route because I didn't want to wait 2+ months, but it worked out better in the end. The differences in the repair estimates was well over $1000 and I didn't have to wait weeks to get something done.

      --
      the good ground has been paved over by suicidal maniacs
    11. Re:Insurance companies will seek any excuse... by A.+Bosch · · Score: 1

      While I agree in general, I find mutual insurance companies to be slighly better than de-mutualized (is that even a word?) companies, so I use them exclusively.

      --
      Where there is the necessary technical skill to move mountains, there is no need for the faith that moves mountains.
    12. Re:Insurance companies will seek any excuse... by rudedog · · Score: 2, Interesting

      It reminds me of a case here in Seattle recently. A man went nuts and was chasing his girlfriend's truck in his own car. He rammed the truck, forced it across the center line, where it hit another woman's car.

      This woman did have uninsured motorist coverage, but her insurance company denied her medical claims because the man deliberately caused the crash, therefore it wasn't technically an "accident", and thus was not covered by the woman's policy. Insurance companies are weasels and will do anything they can do to get out of paying, including tortured parsing of language.

      The company eventually paid up, but only after the woman's situation was exposed by the local media, and the state insurance commissioner started to threaten the company.

    13. Re:Insurance companies will seek any excuse... by berzerke · · Score: 2, Interesting

      There have been cases among my acquaintances and relatives where the insurance companies refused to pay with the most threadbare excuses.

      Then they did better than I did when I had a claim against progressive. The adjuster outright lied to me multiple times (and they weren't even good lies). I finally had enough and got a lawyer involved. The lawyer finally got fed up with the new adjuster lying to her so she filed a lawsuit. The insurance company's attorney was a least honest.

    14. Re:Insurance companies will seek any excuse... by Midnight+Thunder · · Score: 1

      Insurance takes the risk of one individual and spreads it across an entire population.

      Well that is the general approach and should be seen more of a community bank, where the idea is less people will withdraw large sums, than people putting in small sums. Its also why there is so much small print. If a situation happens which affects more than a fair percentage, and it isn't accounted for in the contract, then they get hurt, so they compensate by increasing the insurance fee (either indivually or globaly) and add a clause if it is likely to happen too often.

      For example, if they covered flood damage and discovered that a small percentage of people kept on claiming on yearly damage then they either put up the fee for this group or stop covering them. They are in the business of risk management, which is not the same thing as being in the business of being totally stupid.

      --
      Jumpstart the tartan drive.
    15. Re:Insurance companies will seek any excuse... by Registered+Coward+v2 · · Score: 1

      ...to deny claims. That's what they do. Insurance companies aren't in business to pay for people's losses, they're in business not to pay for people's losses, because the less they pay out, the greater profit they make. The portrayal in The Incredibles was just about dead-on. So getting them to fork over is often like trying to squeeze blood from a stone even at the best of times.

      Nope - insurance companies goals (whether for profit or mutual) are to generate enough income to cover losses and make a profit or provide a rebate to the members. they can pay over 100% of their premiums in claims provided they properly manage their investments.

      Insurance comapnies have many sophisticated financial instrumnets to stay solvent - which is why they higher a lot of really smart finance types.

      --
      I'm a consultant - I convert gibberish into cash-flow.
    16. Re:Insurance companies will seek any excuse... by toddestan · · Score: 1

      If your car gets stolen, they are still ahead.

      But they aren't stupid either. If your car is one of the ones that got stolen and they can weasel out of paying for it, they are even further ahead.

    17. Re:Insurance companies will seek any excuse... by Anonymous Coward · · Score: 0

      I had a vehicle that was purchased in 1992. It cost about 10k new. Insurance on it was on average $900 a year (over 14 years so about $12600 total). I had never made a claim against it as it had never been in an accident. It had 100k miles on it and was in great condition for its age.

      It was hit by a drunk at 2am in the morning. It was parked. There was a sidewalk between it and the road. The drunk drove over the sidewalk to hit it at 30+ mph. After giving me the run around for 3 months and nickeling and diming me to death, the issurance company ended up giving me $600 for the vehicle. There wasn't a vehicle within 200 miles that was of the same model and year for less than $4k (dealer or private).

      I am probably a dumbass for not taking them to court.

      I hate inssurance companies.

    18. Re:Insurance companies will seek any excuse... by mutterc · · Score: 1

      Another option is to move to a place with decent insurance regulation, like North Carolina.

      For example, they hit BCBS with a big fine for dragging their feet on paying back ER claims. It used to be that if you went to the ER, and your problem turned out to not be an emergency (e.g. you thought were having a heart attack but it turned out to be nothing), then they could deny the claim, pay at out-of-network rates, etc. NC changed the law to require a "reasonable person" standard - if a reasonable person would consider the problem to be a medical emergency, the insurance company needed to treat the claim as though it really was an emergency (paid at in-network rates at any hospital, etc.) BCBS was dragging their feet on getting their systems updated and paying back claims (plus interest) from the time the law went into effect. IIRC the fine was more than the amount of unpaid claims...

  5. sue the insurance company by Anonymous Coward · · Score: 0

    Their forensic examiner concluded that since all the keys were accounted for, there was no way the engine could have been started, despite the evidence that the ignition lock had been forced and the steering wheel locking lug had been damaged."

    So? You can steal a car without starting the engine: use a tow truck.

    There's no way to prevent a thief from towing a car while allowing police to tow a car.

    1. Re:sue the insurance company by smbarbour · · Score: 1

      Exactly. It could easily have been the work of a repossessor looking for a little extra profit. It takes all of about 2 seconds for a repo-man's towing device to grab a vehicle.

    2. Re:sue the insurance company by Dare+nMc · · Score: 1

      >It takes all of about 2 seconds for a repo-man's towing device to grab a vehicle.
      then why brake the locks? I guess to push it from his shop to the dumping ground? considering the guy was seriously in debt, it is a bit suspicious, but he would need the car destroyed not fixable.


      If the car is un-stealable, then why carry theft coverage (finance requires, well ok but they should change that, or require paying insurance companys.)
      I do wonder about the rear bumber, if the rear bumper was damaged then he has steering, shifting from park, brakes, and a power source. what else is missing?
  6. Denied by fuzz6y · · Score: 5, Interesting

    Lloyd's of London denied the Cunard line's claim for the loss of ocean liner Titanic, because "God himself could not sink this ship."

    --
    If you're going to be elitist, it would help to be elite.
    1. Re:Denied by Overzeetop · · Score: 3, Funny

      She is made of iron, sir. I assure you, she can. And she will. It is a mathematical certainty.

      Without a doubt, my favorite line from the movie. Though, to be honest, it's not high on my "what to watch" when I've got three hours to kill. A close second would have been a hearty "Game over, man!" from Bill Paxton, but it just never appeared.

      --
      Is it just my observation, or are there way too many stupid people in the world?
    2. Re:Denied by dankstick · · Score: 3, Informative

      I would hope that Lloyd's denied the claim due to the fact that Cunard Lines had no insurable interest in the HMS Titanic. White Star Lines owned the ship. Hull and Machinery Insurance was paid by several Insurers who reinsured with Lloyds'.
      http://www.abc.se/~pa/publ/titan-own.htm
      http://en.wikipedia.org/wiki/Marine_insurance

    3. Re:Denied by jpetts · · Score: 1

      Zoidberg: All 6000 hulls have been breached!

      [Fry falls to his knees.]

      Fry: Oh, the fools! If only they'd built it with 6001 hulls! When will they learn?

      --
      Call me old fashioned, but I like a dump to be as memorable as it is devastating - Bender
  7. Obligatory Simpsons quote... by Anonymous Coward · · Score: 0

    "I didn't get rich by writing a lot of cheques."

  8. I call bullshit by sjonke · · Score: 5, Funny

    They didn't bother to steal the plus-sized, chrome spinny wheels?

    --
    --- What?
    1. Re:I call bullshit by jagspecx · · Score: 1

      The wheel locks weren't RFID-enabled...

    2. Re:I call bullshit by Matt+Perry · · Score: 1
      They didn't bother to steal the plus-sized, chrome spinny wheels?
      Haven't you heard? Wheels with LEDs so they can display pictures are all the rage now. Spinny wheels are so yesterday.
      --
      Slashdot: Failed Car Analogies. Amateur Lawyering. Anecdote Battles.
    3. Re:I call bullshit by kchrist · · Score: 1

      Jesus H. Christ, just when you think people can't possibly get any stupider, stuff like this comes along.

      On the other hand, a better goatse opportunity I have never seen...

  9. Re:Who really telling the truth by HugePedlar · · Score: 4, Insightful

    You don't think the issue here is RFID spoofing, perhaps?

    --
    Argh.
  10. Insurance fraud.... by russotto · · Score: 5, Insightful

    If the car can't (according to the insurance company) be stolen, then by accepting premiums for insurance which covers loss due to theft (without any intention of ever paying said claims), they are comitting fraud. Sounds like some insurance company executives need to go to jail.

    1. Re:Insurance fraud.... by MindStalker · · Score: 1

      Well what they sell you insurance called Comprehensive. Which covers damage not involving and accident, means that if a tree falls on it, or it burns to the ground, OR it gets stolen they pay for it. Obviously they might be inclinded to give better rates for these cars, but they arn't specifically selling theif insurance.

    2. Re:Insurance fraud.... by tdvaughan · · Score: 4, Insightful

      You can still steal the car by towing it away which is insurable against. If, however, they find evidence that the car was driven then they assume that the owner was complicit in the car's theft as they believe that the car is only drivable with the keys in the ignition.

    3. Re:Insurance fraud.... by drnlm · · Score: 1

      They are not claiming it can't be stolen. They claiming it can't be stolen by starting the engine without a copy of the key. There are numerous other ways a car can be stolen. While this is provably incorrect, their position is at least logically consistent.

    4. Re:Insurance fraud.... by kthejoker · · Score: 1

      What if a thief towed the truck off? Certainly the car can still be stolen without actually driving it away.

    5. Re:Insurance fraud.... by Jtheletter · · Score: 1
      but they arn't specifically selling theif insurance.

      Hm, what the hell is this line right here on my insurance policy that says "Theft" then?

      --
      -- I'm not a pessimist, I'm a realist. It's not my fault that life sucks so much. --
    6. Re:Insurance fraud.... by Akaihiryuu · · Score: 4, Informative

      I used to work at a convenience store in Charlotte, NC as an assistant manager a few years back. Back in early 2003 there was an ice storm that took out power to 75% of the city for almost a week. My store was without power for 4 days. The insurance company denied the claim for the perishable stuff that had spoiled, because it turned out the policy stated that the only way they would pay for such a thing was if the transformer was completely removed from the poll and was on the ground. The transformer had not fallen off the pole, so they denied the claim, even though the entire area was without power for at least 4 days. I actually read the policy myself, couldn't believe it. I guess you should read the fine print of a policy before you get it.

    7. Re:Insurance fraud.... by Matt+Perry · · Score: 1
      I guess you should read the fine print of a policy before you get it.
      I'm surprised that people still don't read every word of things they sign. I do. Why take a risk?
      --
      Slashdot: Failed Car Analogies. Amateur Lawyering. Anecdote Battles.
    8. Re:Insurance fraud.... by really? · · Score: 1

      Agreed. But, the reading level of Joe Sixpack is quite a lot lower than required to actually UNDERSTAND what's being read, so ... :-(

      --

      "Consistency is contrary to nature, contrary to life. The only completely consistent people are the dead." A. Huxley
    9. Re:Insurance fraud.... by magetoo · · Score: 1
      If, however, they find evidence that the car was driven then they assume that the owner was complicit in the car's theft
      <sarcasm>
      I thought cars were driven all the time. And even by their owners. Silly me.
      </sarcasm>


      Seriously, WTF? If that's an excuse they can actually use, then you're screwed no matter what..

    10. Re:Insurance fraud.... by lakeland · · Score: 1

      Alternatively, form an agreement based on trust rather than on a carefully worded policy. I never have any trouble convincing my insurer to pay for claims. They believe what I claim and pay out in a timely and helpful manner. The reason they do this is that they are basically a nice bunch of people. I may pay more than the cheapest insurer offers, but my counter-argument to that is what is the point of insurance you cannot rely on? Also my insurer is quite restrictive about who they allow as customers and I know some people feel that background checks and the like violate their privacy. Personally I just see it as the same due dillegience anybody should do. Finally, I imagine that if you abuse the trust then they would boot you off as a customer very quickly too, possibly with litigation to boot if the dollars involved were particularly high.

      Moral of the story: a good relationship is a much better assurance of good treatment than a watertight contract. This extends to most other areas of life too. In corporate America it is standard practice for two companies involved in a deal to have long complex contracts. In corporate Japan the contracts will be short and simple because each company would only have entered the deal if they believed the other company's reputation would prevent them being screwed over. If they didn't trust the other company they would either not do a deal or use the American approach.

  11. Moral of the story is... by Cpoff · · Score: 5, Funny

    Throw away one of your keys before you call the insurance company? :)

    1. Re:Moral of the story is... by Opportunist · · Score: 2, Interesting

      ...and claim that you've been robbed. I.e. your keys stolen as well.

      Yes, it's fraud. But when you commit fraud to get a legitimate claim granted, it's allright in my books.

      --
      We used to have a Bill of Rights. Now, with the rights gone, all we have left is the bill.
    2. Re:Moral of the story is... by gronofer · · Score: 1

      No doubt somewhere in the contract is a clause that such driver stupidity as losing a key, or leaving it sitting in the ignition, also invalidates the contract.

      The moral of the story for me is that I don't really need to buy a car. For people who really need a car, the moral is don't waste money on theft insurance, since you probably won't be able to claim in any case.

    3. Re:Moral of the story is... by Don853 · · Score: 1

      Yeah, but you aren't the one who's going to keep me from getting arrested.

    4. Re:Moral of the story is... by soft_guy · · Score: 1

      Just don't buy a car with this feature.

      --
      Avoid Missing Ball for High Score
  12. logfile by Anonymous Coward · · Score: 0

    I'm assuming the car has a logfile which says when it was started, etc. Stupid just read the logs, and call somebody.

  13. Re:Who really telling the truth by soft_guy · · Score: 0, Redundant

    It is quite easy to get around these systems. There are well known back doors put in by the manufacturer. A common one is pulling the emergency brake in a certian pattern.

    --
    Avoid Missing Ball for High Score
  14. Re:Who really telling the truth by dfn_deux · · Score: 5, Informative
    Obviously you have no clue as to what you are speaking about. The column would steal need to be opened in order to remove/disable the wheel lock detent. The computer portion of the anti-theft system is often over ridden by clever theive who are either privy to the manufacturers over ride methodology (I.E. a prius allows a certain pattern of engaging and disengaging the parking brake to over ride the security system and other systems will be disabled by simply removing a specific fuse from underhood) OR they simply aquired an ECU with the secuirty system already diusabled and then swapped the computers to allow starting w/o the "correct" rfid embedded keys.

    Both of these methods are not only possible, but are common and becoming more common every day, especially on high dollar cars which are a big time target for theft, cadillac escalades and lincoln navigators are high on the list in my neck of the woods...

    I question your methodology for assesing this man's involvment as well, you remarks smack of ad-hominem attack fueled by your distaste for his choice of driving a "gas guzzling SUV", however you seem to be suffering from the same shortsightedness that many of the savagely anti-SUV crowd does, you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows? Oh, but then you'd have to get off your high horse ;)

    --
    -*The above statement is printed entirely on recycled electrons*-
  15. Big deal by gigne · · Score: 1

    Insurance companies will, and always have screwed people.
    There is a pure evil greed within said companies that drives them to become judge and jury. Unfortunately the verdict is favourable to the company.
    There has always been a drive within the companies to find any way to stop that payout. I had my car stolen 3 times, and the third time they wouldn't put the locks back in as "the previous repair was not up to (company name)'s standard, and therefore not up to insurable level.". The funny part is they repaired it each time.
    As the contracts by these companies are as long as my arm, and cover anything including "we don't want to pay out" clause, there is no real legal recourse against them.
    More and more companies will use the supposed "infallible product, and therefore not possible" argument, which not only is a very very bad thing (tm), but also something we are going to have to get used to.
    These people presume guilty before innocent

    bottom line, you are screwed.

    --
    Signature v3.0, now with 42% less memory usage.
    1. Re:Big deal by orielbean · · Score: 1

      In any sort of contract, legal or otherwise, the lawyer's job is to make as many claims as possible to try and cover all their bases. They are not laws, only claims. That is why those stupid thnigs are so huge and full of evasive language. There is ALWAYS a legal recourse against an unfair contract, but it sucks b/c it makes you come to them first with your lawyer. Even if the contract is legal binding, you still have recourse in those situations - don't say die when your cash is on the line. They spend all that money thinking up clever claims to add to the contract just to keep your dollars - don't give them the satisfaction of defeat, and make 'em pay your lawyer fees as well. It is not a perfect system, but it does give you an avenue.

  16. Apparent InsCo greed aside... by CrazedWalrus · · Score: 4, Insightful

    ...which is what I really think is going on here, it's at least partly a classic case of turning off reasoning and common sense wherever technology is involved. The same amazingly intelligent people who can't operate the clock on the VCR are running the world and denying your claims.

    1. Re:Apparent InsCo greed aside... by TubeSteak · · Score: 3, Insightful
      ...which is what I really think is going on here, it's at least partly a classic case of turning off reasoning and common sense wherever technology is involved.
      Or the insurance companies find it convienent to buy the tech hype, irregardless of whether they actually believe the system is undefeatable.

      Maybe the policy got set from up high: We do not pay out claims on immobilizer equipped cars unless they meet [X, Y, Z] criteria.

      Don't forget, there is always a disconnect between the Marketing Dept & the Engineers who design a security/safety system.

      You really wanna secure your car?
      Install a fuel cutoff switch somewhere non-obvious. Yes, it is security through obscurity, but most thieves don't have the time to troubleshoot a car that won't start.
      --
      [Fuck Beta]
      o0t!
    2. Re:Apparent InsCo greed aside... by tomhudson · · Score: 3, Insightful

      Read "The Rainmaker" by John Grisham for an account of some of the dirty practices of insurance companies in denying claims.

      FTFA summary: "Their forensic examiner concluded that since all the keys were accounted for, there was no way the engine could have been started"

      Since when do you need the keys to steal a vehicle? And if all the keys WEREN'T accounted for, the claim would have been denied because "obviously the claimant was negligent and someone else got a key from them."

    3. Re:Apparent InsCo greed aside... by ReallyEvilCanine · · Score: 2, Interesting
      RTFA a little closer. The car had RFID keys and shouldn't be able to start without the physical key being present, making theft considerably more difficult. While new in the US, such technology has been fairly common in Europe for over a decade. Even shitty Renault Twingos have that kind of protection, though not necessarily RFID. On a Twingo you can start the car but it'll die in three seconds if you don't press the button on the key which sends a signal to the computer to allow the car to run. RFIDs are passive and have enough range that direct action isn't required, unlike trying to start a shitty, 7-year-old Twingo.

      You're correct on the second part though. Had the guy not been able to account for all keys, the insurance company would've rejected the claim due to negligence.

    4. Re:Apparent InsCo greed aside... by tomhudson · · Score: 3, Interesting

      RTFA a little closer. The car had RFID keys and shouldn't be able to start without the physical key being present, making theft considerably more difficult. While new in the US, such technology has been fairly common in Europe for over a decade.

      Read what I wrote a little closer. I said "since when do you need the keys to steal a car?" The answer is simple - you don't.

      Two words ... Tow Truck.

      Shove that Navigator into a nearby container and even a lojack can't find it (the condainer makes a nice faraday cage, blocking all radio signals).

      Q: What do you call someone whoo thinks a key is perfect protection against theft?
      A: A pigeon.

    5. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 1, Informative

      No, not at all. The Claims Examiner is doing his job - denying your claim, and trying to get away with it. What, you think the insurance company WANTS to pay your claim. hahahahahaha

      An insurance company will use ANY excuse to disclaim - and I'll tell you what, if that exaiminer didn't, he would not be working long

    6. Re:Apparent InsCo greed aside... by nuzak · · Score: 1

      If your car is really valuable, a thief will take it away on a flatbed or in a cargo truck. It's what insurance is for (and costs big bucks for on such commonly stolen cars). This isn't really a technology story, it's an insurance company that's reneging on its coverage. Exposing dishonest behavior is certainly newsworthy, but it sure ain't new news.

      --
      Done with slashdot, done with nerds, getting a life.
    7. Re:Apparent InsCo greed aside... by IAmTheDave · · Score: 4, Insightful

      Insurance - especially car insurance, which one is required by law to carry - is forced extortion. I have seen denied claims, paid claims with increased premiums that beyond-covered the paid-out claim, my own insurance premiums rise after my car was hit while parked, etc., etc., etc.

      Insurance companies are evil, ladies and gentlemen, and will do everything in their power to stop from having to pay out a dime. While I'm now paying $35 copay for prescriptions through Aetna, they also have a new thing called "precertification" whereby the doctor has to call the insurance company and "approve" the use of a drug. Now, if the doctor hadn't wanted me to have the drug, I'm sure I wouldn't be at CVS with my prescription. Nonetheless, yet another roadblock to actual payout of insurance coverage.

      You think Pharma = evil? Check out insurance. Especially in the case of Katrina. Home insurance doesn't cover flood insurance. Flood insurance doesn't cover mud damage. Etc.

      Makes me sick.

      --
      Excuse my speling.
      Making The Bar Project
    8. Re:Apparent InsCo greed aside... by Stoutlimb · · Score: 1

      More like turning off reason and common sense whenever money is involved.

    9. Re:Apparent InsCo greed aside... by cayenne8 · · Score: 1
      "ou think Pharma = evil? Check out insurance. Especially in the case of Katrina."

      Yup, between FEMA and the Insurance industry....well, lets just say that in addition to massive incompetance, there are plenty of sore assholes around the gulf south that didn't even get the courtesy of a 'reach-around'.

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    10. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 1, Funny

      "...my own insurance premiums rise after my car was hit while parked"

      If you want to keep the premiums down you keep that car in your garage where it belongs! You don't have a garage? Well then, I do believe our rates have just increased by 10%.

    11. Re:Apparent InsCo greed aside... by Software · · Score: 2, Informative
      >Insurance - especially car insurance, which one is required by law to carry - is forced extortion. I have seen denied claims, paid claims with increased premiums that beyond-covered the paid-out claim, my own insurance premiums rise after my car was hit while parked, etc., etc., etc.

      At the risk of nitpicking, in the four states where I've registered car insurance, only liability insurance was required. Comprehensive and collision coverage is not required by law, though it will be required by contract if you're leasing or still paying off your car. I typically drop comp & collision coverage when my car gets below $10K in value.

    12. Re:Apparent InsCo greed aside... by pnutjam · · Score: 2, Informative

      My wife just had two tests done. One was a simple test for mono. It was billed at roughly $250.00. Insurance negotiated discount was $238.00. Total amount paid by the insurance company $12.00. You can bet your ass I would have paid a hell of alot more then $12 if I was paying cash. It's so insane...

      The other test was around $1200, with the insurance company only being charged $740 or so. I payed nothing but a $20 copay out of pocket, but the very fact that the system works this way is repugnant.

    13. Re:Apparent InsCo greed aside... by Ced_Ex · · Score: 1

      Maybe you should stick to your own advice about RTFA a little closer.

      Towards the end of the article, the author starts his own car using a pre-determined series of control movements by way of pressing and depressing the brake, the emergency brake and the key position all without the use of the RFID. This code basically bypasses the use of RFID to start the car.

      This is sort of like the U,U,D,D,L,R,L,R,B,A,Select,Start for cars.

      --
      Live forever, or die trying.
    14. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 4, Informative

      ... paid claims with increased premiums that beyond-covered the paid-out claim

      The goal of bumping up your premium is not to compensate the insurance company. By having an accident, you have shown your insurance company that you are now in the class of people that have recently had an accident. Statistically speaking, you are more likely to have another accident than someone who has not recently had an accident. Your premium is adjusted to match their new information, not to compensate them for the amount they paid out.

      Once you are no longer in this class, your premium will drop back down. Your premium isn't dropping because you've "paid them back"; it's dropping because you are now in the class of people that haven't had an accident in a long time. Statistically speaking, you're less likely to have an accident than you were before, so your premium is adjusted.

    15. Re:Apparent InsCo greed aside... by sshir · · Score: 2, Insightful
      Sure. But the problem is: does the insurance company structure the policy in such a way that the share of liability coverage premium is fair (in probability times damage sense)?

      I.e. they can shift the premium towards liability so it will constitute 80% of total policy premium. In such situation there is no reason to drop collision etc. (because it's almost free)

      As result insurance co. overcharges those with minimal insurance (poor), while everybody else pays the same...

      Evil...

    16. Re:Apparent InsCo greed aside... by Angostura · · Score: 1

      Curious. My wife's very old laptop went bang last year, we were going to buy a new one when her dad said 'try claiming on the insurance' - we hadn't even thought about it, but there was a clause promising to pay out for accidental damage. I wasn't convinced that the smell of burning could really be classed as accidental damage, but what the hell. The outsourced claims people asked us to send the laptop in for examination by an expert, three days later we got a call saying, "yes it's covered we can offer you one of these four models of laptop as a replacement". All four were by far better specced than the original old machine. We asked whether it was possible to pay a bit more and get a better laptop, they said yes, so we paid £150 more, I think and got an Apple iBook which arrived through the post 4 days later.

      Fast, courteous, friendly. You don't here much about insurance companies like that, but they do exist.... apparently.

    17. Re:Apparent InsCo greed aside... by Kennego · · Score: 1

      Regardless of whether or not insurance companies are actually raising your premium because of statistics or because they want some compensation back (is there any way to really tell?) insurance companies aren't there to be your friend when you're in need, they're there to make money. If you are in an accident, they really could not give a damn if it was your fault or not, all they care about is "oh, this is a reason to increase your premium dramatically, and there isn't a thing you can do about it."

      My mother's car was scraped (while it was parked and she wasn't even in it) by some stupid young woman who didn't know how to pull out of a parking spot, and she suffered the consequences by being unable to switch to a different insurance company with better rates, because despite the police report saying she was not at fault it was still considered an accident. Fortunately her premiums didn't rise, but then she hasn't ever been at fault for an accident nor gotten a ticket for anything in decades of driving.

      Recently I too was the victim of some idiot who I suppose didn't look out his rear view mirror when backing out of a parking spot and rammed into the side of my car. You think I reported that to the insurance company? Hell no, I'm a 21yo male college kid, what the hell do you think would have happened to my premium, despite the fact the car was parked and I wasn't in it? I'm willing to bet it would have been worth paying for all by myself without the help of the person at fault, when compared to the long-term rape the insurance company would put me through despite my clean driving history.

      You talk about insurance companies as if they exist to be fair to people. Wake up, car insurance is required in the US by state law in (I believe this is correct) almost every single state, minus maybe three. Purchasing Microsoft software isn't the law in any state. And honestly, if you ask my (perhaps wildly unpopular to /.er's) opinion, insurance companies are more evil than MS. There, I said it.

    18. Re:Apparent InsCo greed aside... by TenLow · · Score: 2, Funny
      Wouldnt you think that statistically speaking, the longer you go without an accident, the more likely it will be that you'll get in an accident? Simple law of averages.

      Although the idea that if you've had one accident you're going to have another soon is the simple law of women drivers.

    19. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      HMOs are a way to keep the poor people poor.

    20. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      Wouldnt you think that statistically speaking, the longer you go without an accident, the more likely it will be that you'll get in an accident? Simple law of averages.


      Nope. That is as fallacious as saying: the longer you play blackjack without winning, the more likely you are to eventually win.
      http://en.wikipedia.org/wiki/Law_of_averages
      http://en.wikipedia.org/wiki/Gambler's_Fallacy
    21. Re:Apparent InsCo greed aside... by IAmTheDave · · Score: 1

      With such service - how about posting the name of said insurance company?

      --
      Excuse my speling.
      Making The Bar Project
    22. Re:Apparent InsCo greed aside... by IAmTheDave · · Score: 1
      The goal of bumping up your premium is not to compensate the insurance company. By having an accident, you have shown your insurance company that you are now in the class of people that have recently had an accident. Statistically speaking, you are more likely to have another accident than someone who has not recently had an accident. Your premium is adjusted to match their new information, not to compensate them for the amount they paid out.

      You must work for an insurance company, because only someone who profited from such piracy would defend actions as logical. See, what is REALLY happening is insurance companies have gotten permission to charge more based on risk - ANY risk. Therefore, their risk calculations are done on millions (exageration) of different variables, almost all of which can add to the cost of your insurance.

      For instance, got a convertable? Cost more. 6 cylinders? More. Double tail pipe? More. Car painted red? A lot more - as a matter of a fact, statistically, red cars get in the most accidents... so try to avoid red cars unless you want a sweet 10-20% bump in your premiums.

      It's this reason that they are allowed to do things like charge me more when someone else hits my parked, empty car. Suddenly I become more of a risk because someone else runs into my parked car? That's not a law of averages, that's manipulation of the system.

      --
      Excuse my speling.
      Making The Bar Project
    23. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      In case you didn't notice it said parked car. There are no "kind of people" more likely to have their parked cars hit or dented. It would be the responsibility of the other drivers not to hit legally parked cars.

    24. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      I have one in my car I made myself. I use a tiny momentary switch hidden somewhere in the car within reach. The momentary switch allows use without you having to remember to flip the switch back. Bascially, I hold the switch and start the car at the same time, once running, let go of the switch (I used a relay and it gets held shut by the voltage on the load side).

      Theory behind using a fuel pump cutout vs a starter cutout or with and alarm with a starter cutout option.

      - Security through obscurity. Does not work all the time but any bit here helps.
      - A starter cutout with an alarm system is almost useless for a couple reasons. They are common and easily bypassed, almost all alarms reference the same wire to use, not hard to find at all. Also, if you find someones keys, you simply just make around the mall parking lot pushing the disarm button until you see and/or hear the car alarm shutoff. With the alarm being shutoff, so is the starter cutout.
      - Even without the keys, assuming you disabled the alarm by some other method, the thief just spends a few extra minutes until they disable the starter cutout, no noise until the car is started, looking for that is just part of the proccess of stealing the car. They keep playing around and they will know when it starts to crank, they have disabled it. A fuel pump coutoff is different. One, the car will crank and they will assume the work is done. Depending on your existing fuel pressure, the car may start and actually run for a few seconds (mine does at least). Well, now what. The thief already made noise, the car is midway out of your driveway or parking spot in the mall, what are they going to do? Sit there and troubleshoot out in the open like that? I assume they may leave at that point but even if they are determined, they may assume they "hot wired" it wrong and go back to that process. As they go over everything, they have to crank it continuously or frequently to see if thier troubleshooting is working. Even of the the fuel pump cutout is somehow gotten around, the car will not start for some peroid of time as the fuel is primed and reaches the engine again (my car is about 15 seconds).
      In conclusion, I think a fuel pump cutoff is a much better choice and sorry for the run on sentences.

      In a pinch almost all cars have an emergency fuel cutoff near the hatch or trunk, if possible, you can manually trip that for those times when you don't feel good about leaving your car somewhere. I have no idea what the cycle rating on that switch is so YMMV with that. Disconnect your coil wire if you have too.

    25. Re:Apparent InsCo greed aside... by toddestan · · Score: 1

      On the other hand, when it is cheaper to pay out of pocket for an accident than it is to report it to the insurance company and let them pay for it, then why bother with insurance in the first place?

    26. Re:Apparent InsCo greed aside... by tcgroat · · Score: 1

      You'll deter the joy-riders, but a serious thief would hardly care. This type of device is too well known and too often touted to be fool-proof. Extra fuel (or ignition) cut-outs are like hiding your house key in a hollow fake rock: professional thieves see them in the stores too, so they know just what to look for. Or they will have a hot-wire harness ready to bypass such security blankets. Or a tow truck and uniform jacket (all nice and official looking, so he can claim to be the repo man if your neighbors ask questions). If the chop-shop pros want your exact car, they'll get it. All the security systems can hope for is to make them choose another target, which doesn't work if your car is rare or has unique parts in high demand. That's one reason I drive a rusty old PoS: as the saying goes, it isn't worth stealing (nor the insurance deductible, for that matter).

    27. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      Do you smoke crack? By your response to this thread, my statistical data shows me that you either:

      A) Smoke crack
      B) Work for an insurance company
      C) Smoke crack
      D) All of the above

      Really, do you believe this bullshit? My auto insurance company charges me a higher premium because of my credit (which isn't bad, just non-existant). Their justification is that drivers with low credit scores are more prone to have accidents! Really? Well, I pay my bills on time every damn month, and haven't had an accident or ticket in the last 10 years, but since I don't have a credit card I am considered a higher risk? Next they will tell me that people with bigger asses or larger dicks are also a higher risk! It seems to me they are trying to find ANY excuse to justify assraping their customers.

      Consider this hypothetical scenario:
      Lets say I've had my license for 20 years with no accidents or tickets and then all of a sudden I get into a minor fender-bender requiring an insurance claim. If I am a sensible driver, which the previous 20 years should've proven, wouldn't this experience make me an even better driver since now I will be more cautious?

      The 'statistics' that insurance companies go by to adjust premiums are compiled BY the companies themselves which tends to put the results into question. They are in business to make money just like any other business. The only difference is that insurance companies make money by providing their customers with a service they will hopefully never use and then demanding payback when, or IF, service is actually rendered. Sounds like extortion to me!

      Seek help, crack kills.

    28. Re:Apparent InsCo greed aside... by norton_I · · Score: 1

      It doesn't make it any better, but in some (most? all?) states you you are not required to have insurance if you can prove you can pay the minimum liability insurance. So, if you have $100k in liquid assets on hand, you don't need insurance -- rich people don't have to get screwed :/

      I will say, in principle I support manditory insurance for drivers. If you accept that A) accidents happen and B) we can (and should) assign fault to a driver involved in an accident, you must ensure that said party is likely to be able to pay the liability they have incurred, and it is unreasonable to repossess someones house if they don't have insurance. I don't, however, know how to prevent them from being evil. I am sure the libertarian hate the governemnt crowd on /. will disagree, but it seems insurance is one of the things that the government currently does better than the majority of private industries. As near as I can tell, medicare is more efficient and better at actually helping sick people than most insurance companies. Of course, that is not a particularly high bar to set, but it ain't nothing.

    29. Re:Apparent InsCo greed aside... by Anonymous Coward · · Score: 0

      Tell me about it.

      Last winter, I chainsawed my leg (despite it sounding seriousness, it just a flesh wound and I knew it.)

      I got in the hospital right away (Sunday, doctor was closed), but never saw a doctor. The whole thing took maybe 3 hours, but since I was sitting there 90% of the time with no one there, the actual working time of the registered nurse was no more than 20 minutes. Add another 10 minutes for paperwork.

      What was done:
      1. Wound clean with iodine. (4 minutes)
      2. Wound shaved. (2 minutes)
      3. 2 X-rays to check for metal. (5 minutes)
      4. 24 staples (not stiches), they just used a chintzy staple gun, pop, pop, pop.
      5. A tetanus shot.

      Cost: $3000. I had no insurance. I was told by others they probably only have billed an insurance company $500.

      Now, I got my 4 wisdom teeth removed, I'm in my mid-20s. This included a seperate pre-exam and a post exam including the actual surgery. So that was 3 seperate visits. Surgery included a nurse, doctor, and a seperate nurse to put me under (forget her title, but trained in it). Removal of teeth surgically, one was hard to get out as it already attached to the jaw. Surgery lasted 2.5 hours.

      Cost of all above: $1250. No insurance either but this was more than fair, but that's the difference between dental and other medicine, malpractice insurance and the fact that a dental (malofacial) surgury can be shopped around, while regular medicine doesn't have to compete a lot of times. When you are in danger or just hurt yourself, you aren't going to shop around and they screw you.

    30. Re:Apparent InsCo greed aside... by clambake · · Score: 1


      The goal of bumping up your premium is not to compensate the insurance company. By having an accident, you have shown your insurance company that you are now in the class of people that have recently had an accident. Statistically speaking, you are more likely to have another accident than someone who has not recently had an accident. Your premium is adjusted to match their new information, not to compensate them for the amount they paid out.

      Once you are no longer in this class, your premium will drop back down. Your premium isn't dropping because you've "paid them back"; it's dropping because you are now in the class of people that haven't had an accident in a long time. Statistically speaking, you're less likely to have an accident than you were before, so your premium is adjusted.


      I call shennanigains!

      I haven't had an accident EVER. So, just looking at my own personal statistics, I will never have an accident... So insurance should be free...

    31. Re:Apparent InsCo greed aside... by Warshadow · · Score: 1

      Exactly. I guess the Insurance company has never heard of a flatbed. Flatbeds, not keys are the weapon of choice when a professional steals a vehicle. I guess they've watched too much of the remake of Gone in 60 Seconds.

    32. Re:Apparent InsCo greed aside... by TenLow · · Score: 1
      The first line of the first link you posted says "The law of averages is a lay term used to express the view that eventually, everything "evens out." For example: Two very similar people who drive similar cars in similar circumstances over a long period of time will have roughly the same number of accidents." I'm going to ignore the fact that it was my point, I just worded it poorly.

      The second link says "A random event is more likely to occur because it recently happened" and "A random event is less likely to occur because it has not happened for a period of time" are false statements.

      Both of those are in the reasoning behind car insurance rates. Meaning saying "the longer you play blackjack without winning, the more likely you are to eventually win" is correct, at least in regards to this conversation; so my point is valid.

    33. Re:Apparent InsCo greed aside... by Warshadow · · Score: 1

      For instance, got a convertable? Cost more. 6 cylinders? More. Double tail pipe? More. Car painted red? A lot more - as a matter of a fact, statistically, red cars get in the most accidents... so try to avoid red cars unless you want a sweet 10-20% bump in your premiums.

      Umm you're in a bit of a dreamland there. I'd like you to find an insurance company that even asks what color your car is for determining a premium. Of the six cars I've owned in the past 8 years my insurance company has never asked the color. I would recheck your statistics here. From what I can find earth tone cars (black, brown, green, etc...) are involved in more crashes statistically.

      They care about the statistics of the vehicle itself, the driver and the location. With the same exact coverages my insurance went up $1,200/year when I moved from western New York to Louisiana (lots of car theft in Louisiana and the drivers here are HORRIBLE). If you have a clean record, but the car is a "high risk" car (ie. lots of them get wrecked) then you're going to pay more in premiums (usually collision). If you're a shite driver and your record shows it you'll pay more in liability and possibly collision.

      Answer me this, which do you think costs more for a 27 year old with a clean driving record to insure, a 2007 Corvette or a 2002 Firebird Formula?

      I just quoted and compared a brand new 2007 Corvette Z06 (70k car, with a 505hp 7.0 litre V8) to my 2002 Firebird Formula (24k new, 310hp 5.7 litre V8). Guess what? They didn't inquire about color and the difference was the Z06 cost $30 more every 6 months to insure. I also just got a quote for a normal 2007 Corvette (I quoted the 50k model, 400hp 6.0 litre V8), it's $100 less every 6 months than my Firebird.

      Hmm, two cars that are faster, more expensive and more powerful than my car yet they're either similar premium or less! If your insurance company is asking about paint color you need to find a new insurance company.

    34. Re:Apparent InsCo greed aside... by Warshadow · · Score: 1

      Sounds like my auto insurance company. They've been nothing but helpful and have way better rates than any other company I've gotten quotes from, but they also don't deal with the general public only the US military and their families. Anyone who is serving or has served in the US armed forces should check out USAA. They _will_ give you crazy rates if you have a bad record, but if you have a good record they will take very good care of you.

      When I moved from NY to Louisiana my premium went up $1,200/year for two cars. I thought that was a bit high, so I got quotes from other companies and the other insurance companies wanted as much every 6 months as my insurance company wanted every year! And they're not one of these, "oh boy I hope I never have to file a claim," companies either. I got in a small fender-bender about 4 years ago that was just expensive enough that it was cheaper to claim than pay out of pocket at the time and they had the check for the repair to me in 2 days.

    35. Re:Apparent InsCo greed aside... by Calinous · · Score: 1

      Yes. The premium was increased because your car was hit while parked. You are now in the class of people that are are more at risk at having your car hit while parked. I understand you don't read articles (sometime I don't), but at least read the post you are replying to.

    36. Re:Apparent InsCo greed aside... by TubeSteak · · Score: 1

      Just so you know, I wasn't suggesting an electric interrupt for the fuel pump.

      I should have specified that I was suggesting you use a physical valve in the fuel line.

      You can use an electricly controlled valve, but a good old manual valve is what I was thinking of.

      The best you can do with an electrical interrupt is to pick a color for the wire that'll blend in. A mechanical valve defaults closed and can sit anywhere on/in the fuel line.

      --
      [Fuck Beta]
      o0t!
    37. Re:Apparent InsCo greed aside... by Angostura · · Score: 1

      I was going to, but I thought I might get accused of being a stooge. But since you ask. The insurer for house and contents was Abbey National (a UK bank). Their outsourced people for dealing with the claim (the people I dealt with) was a company called Claim Control, which sadly doesn't appear yo have a Web site.

    38. Re:Apparent InsCo greed aside... by KUHurdler · · Score: 1

      Our local insurance agent (american family) was much cheaper and had much better customer service for both homeowners and auto insurance. So evidently YMMV with USAA. I live in KS.

      --
      Fix Your Own TV - RiddledTV.com Avoid the Landfill
    39. Re:Apparent InsCo greed aside... by tomhudson · · Score: 1

      Yep. A truck with a couple of magnetic signs on the side (for quick removal), and nobody questions it, even if you're there with a slim jim popping open the door and the alarms going crazy.

      Even easier - get a job driving the truck for AAA. During "slack time" while you're waiting for a call you can swipe a car or two.

      Or make friends with the salesmen at the local car lot, and have them leave at night with the keys, make dupes, and replace them in the morning. Or make keys of their "drivers" - the cars they drive around that are later sold as "demos". Car salesmen are a pretty shifty lot.

      We had one case up here where 2 employees swiped at least 159 cars "to order". Lots of proof that the owner of the lot was involved, but not enough to get a conviction.

    40. Re:Apparent InsCo greed aside... by mutterc · · Score: 1

      That's one of the more egregious "bugs in society" - the general problem is that it costs more to be poor. You see this other places than medicine, of course (interest rates, prepaid utilities, etc).

      All instances of that "bug" make it harder to climb out of poverty once you hit it. Each individual instance makes sense for the companies involved (e.g. for medical care, the insurance company gets a "bulk discount", for loans, you're a higher risk, etc.) but the total effect is bad for society.

      This particular instance could be fixed with universal health insurance, such as they have in France. Imagine the bulk discounts possible when everyone is on the same plan. Governments do pretty well cheaping-out on paying for stuff, as well.

    41. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      You must work for an insurance company, because only someone who profited from such piracy would defend actions as logical.

      I do not work for an insurance company, but I do see their use of statistically-derived premiums to be logical. Shouldn't people that drive safely, without tickets, with an inexpensive but safe vehicle be rewarded for that?

      Suddenly I become more of a risk because someone else runs into my parked car?

      I may have misunderstood your original comment. I wasn't attempting to justify what they're doing here. I do not understand why they would bump up premiums significantly for people that were victimized like that. You didn't cause it, so why are you being considered a greater risk? The only explanation that I can come up with is the fact that there is such a thing as a "chronic victim". People that regularly park poorly or otherwise leave their vehicles in an unsafe area. These people will be the victims of these types of accidents more often because of their habits, not bad luck. They may not be at fault in any of them, but they're still contributing to the fact that the insurance company has to pay something out. Maybe that warrants an increase in premiums. Of course, this is a lot of conjecture. I'm just guessing.

      Look: Insurance companies are in business to make money. The "product" that these companies produce doesn't vary between companies. In order to compete with each other, they have to do a better job of calculating risk and pressuring high-risk clients to pay more or leave. It is in their best interests to get their statistics and risk assessments right. That's their whole mode of operation. It's hard to adopt a "stick it to the customer" business model in a free market economy (unless they're all in collusion, which could be the case I suppose), and since their behavior can be more easily explained by guidance from a statistical risk assessment, I have to give them the benefit of the doubt.

    42. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      I buy insurance for the major events. There's a reason they tell you to drop collision/comprehensive when your vehicle's value drops below a certain value ($10k?). If you can afford a new car if you accidentally total yours, then you don't need comprehensive or collision coverage and you'll save a lot of money by dropping it.

    43. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      Really, do you believe this bullshit? My auto insurance company charges me a higher premium because of my credit (which isn't bad, just non-existant). Their justification is that drivers with low credit scores are more prone to have accidents! Really?

      Yes, really. Why is this so hard to believe? Get a quote from other insurance companies. They're all going to tell you the same thing. Either they're in collusion with each other to stick it to you, or perhaps they've all done their homework and come to the same conclusion.

      If I am a sensible driver, which the previous 20 years should've proven, wouldn't this experience make me an even better driver since now I will be more cautious?

      This is conjecture. The raw statistics disagree with you. But don't listen to me. Do your own research!

      The 'statistics' that insurance companies go by to adjust premiums are compiled BY the companies themselves which tends to put the results into question.

      Ask yourself WHY they compile the statistics, though. All insurance companies produce the same "product". One insurance company's money is the same as another's. The way they compete is by lowering premiums as much as they dare, to entice people to use their services over someone else's. How do you get your premiums low? By gathering every piece of information about drivers and accidents that they can, putting people into groups, and calculating the risk associated with each driver. If you can collect enough information that shows that a driver is a safe driver, you can lower his premium more than your competitors and get that person's business.

      It's simple economics. Stop assuming companies are out to get you. They're out to make money, and they have competitors. The free market has a way of making businesses very predictible.

    44. Re:Apparent InsCo greed aside... by sjames · · Score: 1

      Statistically, a single event of any sort says nothing whatsoever about the probability of it happening again (other than that it is not actually impossible, but that was already known).

      Looking beyond simple statistics, it might even be LESS likely to happen again since a person whose car has recently been damaged while parked is more likely to park in a less crowded part of the lot in spite of the longer walking distance.

    45. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      I haven't had an accident EVER. So, just looking at my own personal statistics, I will never have an accident... So insurance should be free...

      Yes, in a world all to yourself, you wouldn't need to pay anything for insurance.

      However, insurance companies have to consider a larger sample size than you.

    46. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      Obviously, I did read the post. I was responding to the statement that I quoted in my post. The "parked car" bit was part of the following "my own insurance premiums rise", which was not what I was responding to. These are independent of one another. I was attempting to explain why premiums rise to the point where the insured ends up paying the insurance company above and beyond the amount the insurance company paid in the claim. I am not attempting to explain why his premiums rose after his parked car was hit.

      Please drop the attitude. If you disagree with something I said, feel free to disagree, but making ad hominem attacks is really unnecessary, and make you look stupid when it turns out you're wrong. But then again, this is Slashdot, right? Personal attacks first, intelligent discussion if you have time?

    47. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 2, Informative

      Looking beyond simple statistics, it might even be LESS likely to happen again since a person whose car has recently been damaged while parked is more likely to park in a less crowded part of the lot in spite of the longer walking distance.

      I agree. But given that having accurate statistics and making accurate risk assessments is the very lifeblood of an insurance company, and the primary way that insurance companies are able to compete with one another, I really have to give them the benefit of the doubt.

      But keep in mind that I wasn't trying to explain the increase due to his parked car. That appeared (to me at least) to be an independent thought. I was just trying to explain why premium increases seemed to exceed the actual cost of the claim that was paid out.

    48. Re:Apparent InsCo greed aside... by Fastolfe · · Score: 1

      You talk about insurance companies as if they exist to be fair to people.

      I absolutely do not think that insurance companies are in it to be fair to people. They're in it to make money, like every other company. But I do also realize that insurance companies are in competition with one another, and the only way they are able to offer lower premiums is by having extremely accurate statistics and risk assessments.

      Insurance companies are unlike Microsoft in that Microsoft has no competitors. Microsoft doesn't have to woo its customers or keep its prices low. Insurance companies are playing an entirely different game. It is not in the best interests of an insurance company to artificially inflate premiums or stick it to you, because there are other insurance companies who would be glad to step in with a lower premium or a "no stickin' it to you" guarantee.

    49. Re:Apparent InsCo greed aside... by sjames · · Score: 1

      What most of it comes down to is advertising and legal restrictions. Insurance companies are often limited in what they can charge. They can charge more in cases where ill-defined 'risk factors' are present. Thus, nearly everything becomes a 'risk factor'

      Advertised prices also comes into play. They need a very low rate they can advertise to get people in the door and a pile of 'risk factors' to justify to the FTC why so few people actually get that low rate.

      The problem with jacking up the premium by more than an actual payout is simple. No single event is statistically significant. The odds of another payout the day after a single accident are EXACTLY what they were the day before statistically speaking, so why isn't the premium? If a driver has had multiple accidents, the data does become more significant and so increasing premiums become more understandable. If there's no basis for any increase at all, then there is necessarily no basis for an increase beyond the payout.

      I'm sure insurance companies DO understand statistics quite well, and so they are knowingly applying voodoo statistics as an excuse to charge more.

      However, in cases where the increase is based on statistically sound data, I DO see where even a perfectly honest insurance company might raise the premium by more than the payout. The NEXT payout could be a lot larger still and they do have a valid statistical reason to believe it is more likely. That is, they now have an improved underestanding of the risks for that particular driver than they did before.

    50. Re:Apparent InsCo greed aside... by Warshadow · · Score: 1

      So far in NY, LA and soon to be NC, my luck has been very good with USAA, even if I could find coverage cheaper I can't see leaving them because I know their serviceis great. Who knows what you get with other companies? Sometimes it's not about knowing you're paying less, but knowing you'll get what you're paying for if something happens.

    51. Re:Apparent InsCo greed aside... by Warshadow · · Score: 1

      Yep, I had a friend who drove a tow truck for awhile. He still had all his tools (slim jims, wedges, etc). One night we were mucking around at his place and he showed me how quickly you can get into some cars by breaking into his car and my car. He was also three years out of practice with the tools and he got in, in very little time. If he hadn't been three years out of practice he could have been in in under 30 seconds.

    52. Re:Apparent InsCo greed aside... by tcgroat · · Score: 1
      Yes, you can use a mechanical valve. But that, too, deters only the casual thief. Organized theft rings know about the cutoff trick, it's been around a long time, you can buy a starter cutout from J. C. Whitney, similar tricks have been in movie scripts (Biff's car in Back to the Future). The valve will be somewhere you can get to it, and it's attached to the fuel line. Thieves know this. They will follow the fuel line, find the valve you added, and open it. Indeed, they probably watched you using it while waiting for you to go inside. Your secret cut-off is not a secret!


      If the valve is locked, they can break the lock, or cut the line and bypass it with a hose, or tow the car away...the list has no end. My point is that alarms, kill switches, "The Club", etc. are effective only against unsophisticated thieves. The chop shops can and will get your car if they really want it.

    53. Re:Apparent InsCo greed aside... by epylar · · Score: 1

      Statistically, the model of the driver is one with a fairly consistent accident rate (normal distribution with a mean and standard distribution, perhaps skewed a bit). The rate is proportional the likelihood, -at any given time-, that an accident will occur. Just as a coin rolled ten times coming up heads has a 50% chance to come up heads again (assuming it's balanced and is a fair coin), for a given driver, time elapsed since last accident and controlled for age, car, and so on shouldn't have any effect on likelihood of an accident in the next, say, 10 days.

      However, they don't know much about any given driver. When an accident occurs, they can use statistics to get more information about the actual rate. However, if this is overdone, the whole point of insurance is lost: spreading out risk.

    54. Re:Apparent InsCo greed aside... by wyohman · · Score: 1

      And I'd be willing to bet that almost EVERYONE was sent a complete list of what their coverage covered. I KNOW my home owner's insurance doesn't cover floods. If you can't be bothered to read your statement of coverage, you deserve no sympathy.

  17. Re:Who really telling the truth by Anonymous Coward · · Score: 0
    Breaking the column of a computer chipped car isn't going to get you anywhere.

    It gets you steering dipshit, and you circumvent the ignition lockout in other less detectable ways. Did you even glance at the article, or did all those words in one place overwhelm your ability to sound them out? Man you're a fucking idiot. Use a tiny bit of critical thinking.

  18. Big space by truthsearch · · Score: 1, Flamebait

    Emad Wassef walked out of a Target store in Orange County, California, to find a big space where his 2003 Lincoln Navigator had been.

    Big space = 3 normal parking spots

    I hope they scrap his SUV and use it to build 3 Civic-sized cars.

    1. Re:Big space by Penguinoflight · · Score: 1

      What do you think he was going to buy with the $25,000 insurance claim... for stereo, airbags and door panels? Of course the insurance company denied his claim, even a complete navigator isn't worth $25k once it leaves the showroom.

      --
      "And we have seen and do testify that the Father sent the Son to be the Savior of the World"
      1 John 4:14
    2. Re:Big space by rahrens · · Score: 1

      Wrong: "Navigator MSRP starts at $50,145*."

      See: http://www.lincoln.com/navigator/home.asp

      And that's the starting price, not the fully loaded price!

      "Please ensure brain is engaged before putting mouth in gear!"

      --
      "Money is truthful. If a man speaks of his honor, make him pay cash." Notebooks of Lazarus Long, Robert A. Heinlein
    3. Re:Big space by Penguinoflight · · Score: 1

      note the "after it leaves the showroom" clause. Besides, the airbags and stereo still aren't worth 2500, much less 25k.

      --
      "And we have seen and do testify that the Father sent the Son to be the Savior of the World"
      1 John 4:14
    4. Re:Big space by MerrickStar · · Score: 0

      Correct me if I'm wrong, but wouldn't that would depend on the stereo, dvd player, etc. Sure, stock may not be worth the claim, but why would you steal stock door panels?

    5. Re:Big space by rahrens · · Score: 1

      I know no vehicle is worth the price when they drive off, but unless the car was more than a couple of years old, its not gonna lose 50% of its showroom value just drivin off the lot! It may be, so that's probably why he only claimed $25K.

      So a Lincoln Navigator newer than a couple of years old is easily worth more than $25k, especially since $50k is the LOWEST MSRP for a stock Navigator, not a loaded one. And, if I remember TFA, he didn't say if it was loaded or not.

      So, sorry, think it over again, yer wrong.

      --
      "Money is truthful. If a man speaks of his honor, make him pay cash." Notebooks of Lazarus Long, Robert A. Heinlein
    6. Re:Big space by cayenne8 · · Score: 1
      "And that's the starting price, not the fully loaded price!"

      Like another poster said...it drops in value a LOT the second you drive it off the sales lot. Factor in too, the continuing escalation of gasoline prices. There are already SUV models now that you can't hardly give away used, and even the luxury ones are feeling the resale crunch.

      When gas gets to $4/gal...I feel sorry for those poor souls out there, stuck with a brand new, shiny, high monthly note on a big SUV, that they find themselves so upside down in resale wise. They are stuck in a big way...

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    7. Re:Big space by rahrens · · Score: 1

      Look, stop being obtuse!

      The original poster's statement at the beginning was to the affect that no Lincoln Navigator is worth $25k. He did not qualify that statement with notations about having driven it off the lot, besides, no car is going to loose $25k just by driving it off the lot, don't make stupid statements! TFA did not note how old the guy's car was, besides TFA wasn't about the insurance company's objection to the AMOUNT of the claim, it was about their refusal to pay it off based upon a specious TECHNICAL argument. The statement as to no Lincoln Navigator's being worth #25k was off base, I've proven it without question. Even if the car was three or four years old, it would not have lost that much value. Both the Insurance company and the insured knew the value, that was never in question!

      Next time, google for the value before you back an unfounded statement, and if you are really wiling to get accurate, go the the Blue Book's site and try to get a more accurate reading there. I'm not going to waste any more time answering people that don't bother to look up the relevant information before spouting off!

      --
      "Money is truthful. If a man speaks of his honor, make him pay cash." Notebooks of Lazarus Long, Robert A. Heinlein
    8. Re:Big space by damiangerous · · Score: 1

      A 2003 Navigator with the standard package and in "Good" condition is worth almost exactly $25k in Orange County, CA for a private party sale. http://www.kbb.com/kb/ki.dll/kw.kc.ucp?kbb.CA;;CA0 59;&92702&;899700&;;ucp;LT;A1

    9. Re:Big space by Anonymous Coward · · Score: 0

      If the vehicle were worth less than the claim, standard practice says the insurance company would write him a check for the ACV (actual cash value) of the vehicle. In this case it was denied completely because of a BS reason. Many people have experienced this with all different insurance companies. It's standard practice, whether this person was trying to commit fraud or not. If you don't believe me, RTFA.

    10. Re:Big space by toddestan · · Score: 1

      Sure, stock may not be worth the claim, but why would you steal stock door panels?

      Probably the same reason Acuras get stripped - they probably took the parts and sold them to some guy who wants to fancy up his Expedition (or whichever Ford SUV they base the Navigator off of). I wouldn't be surprised if a bunch of other random trim pieces were also missing.

  19. Re:Who really telling the truth by dr_dank · · Score: 1

    A common one is pulling the emergency brake in a certian pattern.

    Applying occams razor, I'd say that the Navigator was stolen by towtruck, rather than thieves jerking off the emergency brake in the secret pattern to get it to start.

    --
    Where does the school board find them and why do they keep sending them to ME?
  20. Excuse My ignorace. by fish_in_the_c · · Score: 1, Funny

    Excuse my ignorance but could somebody explain to me what is so magical about these refid vehicles as to cause one to expect the impossibility of starting them after they are broken into?

    Exactly what parts of the car are disabled when refid token is not present?
    More over how do those parts KNOW it isn't present?

    I mean unless the refid reader is somehow coupled to the spark control computer so that it is impossible to interpose between the refid receiver and the spark control computer I don't see what would stop someone from simply jumpering around the detector.

    Even if the spark control computer was in fact coupled tightly to the refid receiver in one apoxy sealed unit so you couldn't interfere, last time I checked replacing the spark control computer could be done in under 15 min if you were good at it. I mean it's not that much different then replacing a hard drive. Even a less compatible control computer would probably allow the vehicle to run (poorly) for a while if I'm not mistaken.

    --
    âoeTolerance applies only to persons, but never to truth. Intolerance applies only to truth, but never to persons.
    1. Re:Excuse My ignorace. by Quiet_Desperation · · Score: 1
      The point is never to make a car theftproof. The point is to make it harder to steal so that the thief will move on to a less secure care. No car thief want to take very long to get the car started, so "under 15 minutes" does not fly unl;ess the car is in a very isolated location.

      But as with most issues, we focus on the wrong part. The problem isn't better technology, it's better punishment for the crime. There's still a distinction between stealing a car for a "joy ride" or taking it to a chop shop. There's guys with multiple car thefts on their records walking around free.

    2. Re:Excuse My ignorace. by kidgenius · · Score: 2, Informative
      First part you asked how the car knows the token isn't present. Well, there is a transmitter/receiver in the dash/steering column that sends a signal to the key/fob when the key is inserted. Then, because the circuitry of the RFID tag is excited, it transmits back a code to the receiver in the car. The receiver reads this code and the computer in the car verifies that it is the proper code for that car. If it is, it allows the car to start. If the code is incorrect, it prevents the car from starting.

      When the RFID token is not present, the computer prevents the car from starting. Without the ECU, your engine can't run. It is vital to the operation of your car. If the software in the ECU actively prevents operation of the car, there isn't anything you can do about it except to load new software onto the ECU that you cooked up (good luck).

    3. Re:Excuse My ignorace. by flooey · · Score: 2, Informative

      When the RFID token is not present, the computer prevents the car from starting. Without the ECU, your engine can't run. It is vital to the operation of your car. If the software in the ECU actively prevents operation of the car, there isn't anything you can do about it except to load new software onto the ECU that you cooked up (good luck).

      To elaborate, cars nowadays have their engine computer-controlled by an Engine Control Unit (ECU). It often does everything from telling the spark plugs to fire to regulating the amount of fuel injected into the engine. When the key hasn't been properly authenticated, the ECU simply refuses to allow the engine to do anything.

    4. Re:Excuse My ignorace. by NegativeFX · · Score: 0

      "...except to load new software onto the ECU that you cooked up (good luck)."

      Good luck cooking up a new ECU? I have an ECU piggybacked to my stock ECU in my car. This is incredibly common on the tuning scene.

      As for anti-theft concerns, my new ECU does not care whether or not my key has an RFID or not, even though the stock ECU does.

      2005 Nissan 350Z. Took less than an hour to install the piggybacked ECU, and I had no prior experience. I could probably do another one in less than 10 minutes if so inclined.

    5. Re:Excuse My ignorace. by Svartalf · · Score: 2, Informative

      Yep. Odds are, they found something not unlike this, and an ECU is mostly modular, with cable jacks
      in the device housing to allow the manufacturers to easily install the things on the new vehicle and
      to easily install a new one if the thing fails (which they do occasionally do...)- all it takes is
      is knowing where the ECU is on the vehicle, develop a procedure for swapping it out that takes 10 or
      less minutes to execute.

      You break in, break the column cover to get the ignition switch access without the key, you swap the
      ECU out with power tools and practice behind you and just go. It's not QUITE "Gone in 60 Seconds"
      speeds, but it's still within the timeframe of doing the deed and not getting caught speed.

      --
      I am not merely a "consumer" or a "taxpayer". I am a Citizen of the State of Texas
    6. Re:Excuse My ignorace. by MerrickStar · · Score: 0
      and to easily install a new one if the thing fails (which they do occasionally do...)

      I actually had a friend with a similar problem not long ago. Ended up having to have the car towed. The mechanic explained it to him in layman's terms as the car "forgot" how to start.
    7. Re:Excuse My ignorace. by fish_in_the_c · · Score: 1

      Ok did a little research on my own as well.
      ECU's , even the stock ones, allow you to start and drive a car 10 times before they start looking for the ref ID. They also have a way of programming the new ECU with a new refID code.

      Is swapping out a refID hard. No.
      They are roughly the size of a hard drive.
      They have one or two cables coming out of them that look like
      power supply hookups and are just as easily plugged and unplugged.

      Getting a new one isn't hard.
      Modifying the software in them isn't all that hard either.

      My conclusion is this technology stops joyrides and junkies , but it isn't going to slow down professionals and organized crime much if at all.

      Also, I guess there has been a rise in people deciphering the 40bit encryption
      used in many of these tokens in Europe where they are more prevalent.

      still , there was an impressive 90% drop in thefts. My suspicion is that probably accounts for the joyride / junkie crowd.

      --
      âoeTolerance applies only to persons, but never to truth. Intolerance applies only to truth, but never to persons.
    8. Re:Excuse My ignorace. by smeg168 · · Score: 2, Interesting

      A piggy back is not a ECU. They do significantly less than a real ecu (which is why that piggy back cost you ~$300 while a AEM engine management will run you ~1500), all the piggyback is doing is altering the input from the engine's sensors(maf,o2,etc..) to make the real ecu make adjustments based on it's own algorithms and unless you had that piggyback dynotuned you are probably not helping your performance and possibly hurting it, because I am sure you could figure out in about an hour better air/fuel maps than those nissan engineers.

    9. Re:Excuse My ignorace. by Warshadow · · Score: 1

      To elaborate, cars nowadays have their engine computer-controlled by an Engine Control Unit (ECU). It often does everything from telling the spark plugs to fire to regulating the amount of fuel injected into the engine. When the key hasn't been properly authenticated, the ECU simply refuses to allow the engine to do anything.

      Well this is only partially true. Most cars have at least two main computers, a PCM/ECU and what GM calls a BCM (Body Control Module, I'm not sure what other makers call it, but they have them too).

      The PCM/ECU only controls the motor and transmission in most caes it does not have anything to do with the anti-theft devices, that would be handled by the BCM and probably a seperate module specifically for the RFID/whatever anti-theft system.

      Key goes in, anti-theft modules sees the proper code, tells the BCM it's kosher and the BCM will then activate a certain lead on the PCM/ECU telling it it can go ahead and start with fuel and spark.

      Of course all this means jack shit when a pro rolls up with a flat-bed. You'd be surprised how few people will even look twice at a car being put on a flat-bed in a parking lot in the middle of the afternoon. They probably assume the car is either broken and being taken to a shop.

    10. Re:Excuse My ignorace. by NegativeFX · · Score: 0

      I stated that I installed the hardware in under an hour.

      I did not say that I tuned a f***king fuel map while sitting in my car with half of the dash ripped out.

      Don't jump to conclusions because you think you're a hotshot.

      Point being that a thief could easily have a piggy back pre-programmed for a specific car in mind, break in, install the unit, and away we go.

  21. RFID madness? by Elektroschock · · Score: 3, Informative

    The European Union currently conduct a consultation on rfid. I really would like to know what the role of governments should be. Governments are lobbied like hell on rfid. Some civil rights groups call them spychips. And lobbyists approach governments. And the question is why? Shouldn't markets decide?

    Anyway, I suggest you to fill out the questionaire.

    Other intresting consultation links can be found here and here. It is important to get more people involved in these political procedures and legislature who actually know what they are talking about. And I would like to spam politicians with the request for 'better interoperability'. Here the regulator has to take measures. I found it very nice that the EU already considered it. "Interoperability, standardization, governance, and Intellectual Property Rights (1 June)"

    So maybe it makes sense to report cases like these to the authorities to avoid madness. I guess they do not read Slashdot.

    1. Re:RFID madness? by novus+ordo · · Score: 1

      When the hat is not enough

      --
      "You're everywhere. You're omnivorous."
    2. Re:RFID madness? by Elektroschock · · Score: 1

      In Germany artists even wrapped the legislator

  22. The insurance company doesn't have the final word by Anonymous Coward · · Score: 0

    A judge has the final word on whether or not the company has to pay a claim. If the judge decides that the insurance company is being really unreasonable, extra damages can be awarded. The trouble is that the initial outlay for the lawyer is really expensive. Maybe the AAA or Consumer's Union can be persuaded to take an interest. If there are enough of these cases, maybe a class action is in order.

    The guy who had his vehicle stolen already has one thing going for him; the insurance company is now getting lots of unfavorable publicity. By denying his claim, they are basically accusing him of criminal complicity. They should have to put up or shut up. Accusing him of being a thief or of abetting a thief without being able to prove it is libel. The ex-prime minister of Canada, Brian Mulroney sued just because one police force asked another police force for information about his financial transactions. He won millions. This guy's case seems similar and since the private slander has been published, it is now libel.

  23. Re:Who really telling the truth by MindStalker · · Score: 1

    Ok the point of posting my email address was what? Its up there in my information for the world to see. Trying to attract spam bots to sell me lincoln navigators?

  24. Here's an idea by PingXao · · Score: 1, Troll

    If we had RFID aware gas pumps it would be possible to have a sliding scale of federal gasoline tax. Tax those Lincoln Navigators et al at $1.50 a gallon and let the efficient sippers off with $0.25 per. I guess that would make too much sense.

    1. Re:Here's an idea by operagost · · Score: 2, Interesting

      No. In fact, it doesn't make sense.
      Can you explain to me why we need a sliding scale? The gas-guzzler drivers are already buying more fuel and thus paying more tax. Do you like having the government tell you what and how to drive? Do you want to penalize contractors, limousine companies, and boat owners for buying a vehicle that meets their needs?

      --

      Gamingmuseum.com: Give your 3D accelerator a rest.
    2. Re:Here's an idea by Red+Flayer · · Score: 1

      But... but... but then I'd be taxed at an even higher amount per mile than I'm already paying to commute in my Canyonero. Us gas-guzzlers are already paying a disproportionate amount of tax, a flat rate per gallon is by its very nature progressive. /sarcasm

      I like the idea, but I think it'd be fairly simple to spoof the tag.

      --
      "Trolls they were, but filled with the evil will of their master: a fell race..." -- J.R.R. Tolkien on Olog-hai
    3. Re:Here's an idea by Anonymous Coward · · Score: 0

      Actually it should be the reverse - a fuel efficient car should pay more gasoline tax than a less fuel efficient car. A fuel efficient car uses less gas per mile therefore consumes more road per tax dollar collected (not sure if "consume" would be the correct term, but I'm sticking with it). In order to make the tax system more fair, a more fuel efficient vehicle should have to pay a higher tax rate per gallon of gas.

    4. Re:Here's an idea by gurps_npc · · Score: 1

      Except that certain gas guzzlers would game the system. Just as some SUV's got themselves classified as "low pollution versions of trucks" instead of "high pollution versions of cars" and got tax INCENTIVES for themselves.

      --
      excitingthingstodo.blogspot.com
    5. Re:Here's an idea by Anonymous Coward · · Score: 0

      'Do you want to penalize contractors, limousine companies, and boat owners for buying a vehicle that meets their needs?'

      yes

    6. Re:Here's an idea by Tweekster · · Score: 1

      Give me a fucking break, contractors dont buy a lincoln navigator. Assholes who have no care for the environment buy those.

      Those should be taxed at a rate so high only someone making 7 figures a year can drive them, because NO ONE ON THE PLANET NEEDS ONE. They are an absolute waste, they waste resources, destroy roads, cause much more damage in accidents, are unsafe...etc etc etc

      People that buy monster truck SUVs should be taxed so hard they literally go broke because that is exactly what they deserve.

      Yes those people should be penalized if they buy a vehicle that is totally unsuited for any reason in the world (they suck at towing, contractors would never ever use one, they are not designed for limosuine companies)

      They are designed to be big on the road and that is it.

      --
      The phrase "more better" is acceptable English. suck it grammar Nazis
    7. Re:Here's an idea by Anonymous Coward · · Score: 0

      Make the prius pay $45/gallon and the suburban pay $3/gallon, then maybe the prius people could cool down their smug emissions...

    8. Re:Here's an idea by StarvingSE · · Score: 0, Flamebait

      Apparently the mod who modded you troll drives a big, chunky SUV. I totally agree with this. It is your decision to buy a fuel-efficient car, or one that is a gas guzzler. Part of the reason gas prices are so high is because of the US's ENORMOUS consumption of fuel. Who contributes to this problem more: The guy who gets 30+mpg, or the guy who gets 13 mpg?

      --
      I got nothin'
    9. Re:Here's an idea by Mr.+Underbridge · · Score: 1
      Can you explain to me why we need a sliding scale? The gas-guzzler drivers are already buying more fuel and thus paying more tax. Do you like having the government tell you what and how to drive? Do you want to penalize contractors, limousine companies, and boat owners for buying a vehicle that meets their needs?

      1) The reason is presumably for the same reason that we have a progressive income tax scheme? Although one thing no one takes into account is people who make the choice to live near their jobs. A person with a Hummer and a 5 mile commute uses less gas than a person with a Prius and a 50 mile commute. I think people should get a 50% refund on say, 5000 miles worth of gas tax on their income tax return. That way, people who don't drive much, or drive efficient cars, or both, get rewarded.

      2) Just because it's a business doesn't mean they can't make environmentally better choices. And if all businesses have to do it, then the competitive playing field isn't altered.

      3) No one makes anyone own a boat. You don't need a recreational boat. That's definitely the sort of luxury item that should be taxed way more than the little bit of gas that some poor sap uses to get to work in his Corolla.

      4) This is exactly the kind of problem that requires government to solve. Not many people are willing to sacrifice much for the environment if they know no one else will. But many people are OK with it if they know that everybody has to do it, and it will have a real result. In this case, the private sector can't solve the problem. The alternative is a disgusting environment. Notice that fuel economy in cars really only increases when the government mandates it - fuel economy in cars has decreased over the last 20 years, which is asinine.

    10. Re:Here's an idea by StarvingSE · · Score: 1

      I'm sorry, but how is this fair? Thats like saying non-smokers should pay have to pay a tax on cigarettes even if they don't smoke, because its not fair to the smokers who have to pay the tax.

      Gas-guzzlers contribute to the following problems:

      1) over-consumption of a limited resource, which causes the price to skyrocket
      2) they produce more pollution than efficient vehicles

      Since the gas-guzzlers contribute more to resource and environmental problems, they should pay proportionately more.

      Huge-ass cars are nothing more than pissing contest to see who can afford the largest vehicles. Whenever I see a hummer on the road I vomit a little in my mouth. They HAVE NO PRACTICAL USE FOR MOST PEOPLE! Who needs to haul so much shit that often to justify their vehicle??? If you want to show off, you should pay for it.

      --
      I got nothin'
    11. Re:Here's an idea by vivian · · Score: 3, Informative

      The wear and tear on a road surface is proportional to the fourth power of it's weight(see the section on maintenance) so actually a light fuel efficient vehicle should have to pay a lower price per gallon of fuel, or large vehicles pay a higher price per gallon.

      eg. if you have a 1000 kg car compared to a 2000 kg car, then the 2000 kg car is causing 32 times as much wear on the road surface, so the road will need repairs much sooner. a 4000 kg car would be causing 256 times the wear.

    12. Re:Here's an idea by tillerman35 · · Score: 1

      Actually, Hummers can't carry much in a useful fashion. Here's why:
      1. They're friggen expensive. Unless I'm a gazillionaire, nobody's going to put sharp scratchy dirty or otherwise damaging items in my status symbol. Of course, if I were a gazillionaire, I'd buy a new Hummer every time I needed to haul around something and throw the Hummer away when I was done with it.
      2. The tailgate is like 19 feet tall. Seriously, I feel like one of those guys in Land of the Giants every time I stand next to one. I keep looking for a saftey pin & spool of thread rapelling rig. Any load you want to haul around has to be lifted to almost chest height to get it into the Hummer. I once had a friend ask me to bring around my minivan to help him haul his TV because he couldn't get it into his Hummer (a little of reason #1 came into play too, as the TV was sharp, scratchy and dirty). And it was gold. GOLD, people! I can now razz him at any moment I choose about how he needs to trade in his tiny little Hummer for a Man's Ride (aka, a beat-up 2002 Chevy Venture).
      3. You can't really see the Garfield-ass suction-cupped to the back window of a Hummer. They're too high up. In practical terms, this means there's no viable reason for owning one.

    13. Re:Here's an idea by Anonymous Coward · · Score: 0

      You forgot one other point:

      Very heavy vehicles (i.e. > 5000 lbs) wear out roads and bridges much more quickly. It's technically illegal to drive, say, an H2 over many bridges. A gas tax also helps remedy this inequity.

    14. Re:Here's an idea by DocLandolt · · Score: 0, Redundant

      Who contributes to this problem more: The guy who gets 30+mpg, or the guy who gets 13 mpg?

      Perhaps the guy who bought the 13 mpg SUV did so because he lives less than a mile from work and hardly drives? Perhaps he requires it for hauling kids/wares?

      What if the guy who bought the 30+mpg ride did so because he loves to drive for fun, polluting more and *shudder* pissing away your precious natural resources anyway? What say you then?

      "All generalizations are dangerous. Even this one." - Dumas

    15. Re:Here's an idea by StarvingSE · · Score: 1

      I suppose that guy who bought the 13mpg SUV who lives less than a mile away from work never goes anywhere on the weekends? Never takes trips? If you need to haul kids, station wagons are just as good as SUV's, and are safer (SUV's are just big station wagons on a truck chassis, they are even classified as station wagons at the DMV). Therefore, hauling kids/wares isn't really an excuse unless you work some sort of construction.

      What you gave was a contrived example at best, and not very realistic in the real world.

      --
      I got nothin'
    16. Re:Here's an idea by SoTerrified · · Score: 1

      "eg. if you have a 1000 kg car compared to a 2000 kg car, then the 2000 kg car is causing 32 times as much wear on the road surface"

      This is quite deceptive. Because while your basic formula is correct, the fact is that a 1000kg car may be doing zero damage to the road surface. And 32 x 0 = ? Typical road surface has a critical point where as long as all the vehicles that drive over the surface are under a given weight, the road surface will survive forever. (Discounting weather and other erosive sources.)

    17. Re:Here's an idea by DocLandolt · · Score: 1

      "What you gave was a contrived example at best, and not very realistic in the real world."

      Agreed, to an extent*. It was simply an attempt to point out the error in the generalization. A Prius driver isn't inherently more "green" than a Navigator driver. I do, in fact, have several friends that have purchased cars for the good gas mileage just BECAUSE they feel it enables them to drive more.

      *The SUV example came strait from the real world

    18. Re:Here's an idea by Anonymous Coward · · Score: 0

      No, yes, and maybe.

    19. Re:Here's an idea by toddestan · · Score: 1

      1) The reason is presumably for the same reason that we have a progressive income tax scheme? Although one thing no one takes into account is people who make the choice to live near their jobs. A person with a Hummer and a 5 mile commute uses less gas than a person with a Prius and a 50 mile commute. I think people should get a 50% refund on say, 5000 miles worth of gas tax on their income tax return. That way, people who don't drive much, or drive efficient cars, or both, get rewarded.

      By making it a distance, you're simply helping out the people who choose vehicles that consume more gasoline per mile driven. If anything, it should be a set number of gallons, that way the more the people with the more efficient cars can get further on their tax free gas. It wouldn't hurt if the person with the monster SUV and the 5 mile commute cuts back too.

    20. Re:Here's an idea by toddestan · · Score: 1

      This is quite deceptive. Because while your basic formula is correct, the fact is that a 1000kg car may be doing zero damage to the road surface. And 32 x 0 = ? Typical road surface has a critical point where as long as all the vehicles that drive over the surface are under a given weight, the road surface will survive forever. (Discounting weather and other erosive sources.)

      Actually, you are being deceptive. You must of missed the word "roughly" in the link. In the real world, just because some random light vehicle does no damage, that doesn't mean heavier vehicles don't do damage because x*0=0.

      Besides, even if you are right, once the road surface gets some damage (a heatcrack, pothole, erosion, whatever), heavier vehicles are going to cause the damage to get worse a lot quicker than the light vehicles.

    21. Re:Here's an idea by toddestan · · Score: 1

      Perhaps the guy who bought the 13 mpg SUV did so because he lives less than a mile from work and hardly drives?

      I've always found this a strange argument. Even if you drive 10 miles a week, you can still cut your gas usage in half (or more) by buying a more fuel efficient vehicle.

    22. Re:Here's an idea by Mr.+Underbridge · · Score: 1
      By making it a distance, you're simply helping out the people who choose vehicles that consume more gasoline per mile driven. If anything, it should be a set number of gallons, that way the more the people with the more efficient cars can get further on their tax free gas. It wouldn't hurt if the person with the monster SUV and the 5 mile commute cuts back too.

      You're right, that's what I was trying to get at and brain-cramped. I was thinking 5000 miles@25 mpg = 200 gallons tax refunded Forgot to put that part. ;)

  25. 'oh-my-god-stats-can-kill' dept. SA's theft stats by tradingfire · · Score: 5, Interesting

    Listed below, from best to worst, are the tested cars listed by name, points and, where applicable, time taken to gain entry.
    "What Car?" Security Supertest League Table

    The 26 Cars they Couldn't get into:

    1-3: Lexus IS300, Lexus LS430 and Lexus SC430 (100).
    4-7: BMW 318i SE, Nissan Maxima QX 3.0 SE+, Skoda Superb 2.5 TDi Comfort, Toyota Camry CDX V6 (95)
    8-15: Audi A4 1.9 TDi SE, BMW 735i, BMW X5 3.0d, Citroën C3 1.4 HDi Exclusive, Jaguar S-type, Mazda Tribute, Nissan Primera 2.0, VW Passat V6 4motion (90).
    16-23: Audi A2 1.4 TDi SE, Audi A6 Avant 4.2 quattro, Audi TT 180 Coupé, Ford Fiesta 1.4 Ghia, Seat Ibiza 1.4 Sport, Toyota Previa D-4D GLS, VW Golf GT TDi PD, Volvo S80 2.4T S. (85).
    24-26: Nissan Almera 2.2 Di Sport, Nissan Almera Tino 2.0 SE+, Nissan X-Trail 2.0 SE+ (80).

    The Cars they Could
    27: BMW 520i (75) 1min 12sec
    28: Saab 9-5 Aero 2.3 HOT (75) 1min 5sec
    29: Renault Vel Satis (75) 58sec
    30: Jaguar X-type 2.5 (70) 1min 30sec
    31: Renault Clio 1.6 16v Initiale (70) 1min 15sec
    32: BMW 325i Compact (70) 1min 4sec
    33: Fiat Stilo 1.2 16v Active 5dr (70) 1min
    34: Mazda Premacy (70) 32sec
    35: Honda Jazz 1.4 SE Sport (70) 29sec
    36: Renault Avantime (70) 25sec
    37: Mazda MX-5 (70) 20sec
    38: VW Polo TDi PD Sport (65) 1min 50sec
    39: Volvo V70 T5 (65) 1min 36sec
    40: Honda Civic Type-R (65) 1min 34sec
    41: Mercedes C220 CDi Sports Coupé (65) 1min 20sec
    42: Ford Mondeo TDCi (65) 1min 11sec
    43: Volvo S60 T5 SE (65) 1min 7sec
    44: Toyota Yaris T Sport (65) 57sec
    45: MG ZT 190 (65) 50sec
    46: Ford Focus ST170 (65) 45sec
    47: Honda CR-V SE Sport (65) 43sec
    48: Range Rover 4.4 V8 HSE (65) 38sec
    49: Peugeot 307 SW 2.0 HDi SE (65) 33sec
    50: MG TF 135 (65) 30sec
    51: Mercedes SL500 (65) 29sec
    52: Peugeot 206 HDi D Turbo (65) 20sec
    53: Mini One (60) 50sec
    54: Ford Maverick V6 XLT 3.0 (60) 32sec
    55: Suzuki Liana 1.6 GLX (60) 28sec
    56: Vauxhall VX220 (60) 18sec
    57: Jeep Cherokee 3.7 Ltd (60) 9sec
    58: Toyota Corolla T Sport (60) 8sec
    59: Suzuki Wagon R+ 1.3 GL (50) 48sec
    60: Daihatsu YRV F-speed (50) 12sec

  26. Re:Who really telling the truth by Jah-Wren+Ryel · · Score: 1
    I question your methodology for assesing this man's involvment as well, you remarks smack of ad-hominem attack fueled by your distaste for his choice of driving a "gas guzzling SUV", however you seem to be suffering from the same shortsightedness that many of the savagely anti-SUV crowd does
    Damn you are touchy.

    To us normal people, the implication of "gas-guzzling" was pretty clear -- that operation of the vehicle has become very expensive recently, you know, because gasoline prices have gone through the roof.
    --
    When information is power, privacy is freedom.
  27. 21st century magic by beavis88 · · Score: 2, Insightful

    Why is it that most people automatically assume technological solutions to problems are infallible, and don't create any further problems? This certainly isn't limited to insurance adjusters and stolen cars, just another convenient reminder that when faced with something they don't understand, the average person seems to just shut down their brain and move on.

    1. Re:21st century magic by 0123456 · · Score: 1

      "Why is it that most people automatically assume technological solutions to problems are infallible, and don't create any further problems?"

      You know how little the average person understands about technology? Well, 49% of people understand even less than that...

      Plus the manufacturers regularly seem to claim that every new technology is precisely such an infallible solution, even though it always turns out not to be.

  28. Meh - not a big deal. by JMZero · · Score: 1

    Person files claim, looking for $20000. Insurer suggests a settlement of $0. There's a disagreement about an appropriate settlement.

    When there's a disagreement on settlement, you go to court. It happens all the time. One dumb adjuster/investigator can make your time as a claimant difficulty - but by moving to court you can ensure a due process.

    --
    Let's not stir that bag of worms...
    1. Re:Meh - not a big deal. by perlchild · · Score: 1

      actually it is a big deal, since the insurance company, by making you deal with the courts are in effect

      1) making you pay for having someone else force them to respect their contract with you

      2) if you are lucky, they will at most, pay court fees, plus the amount in the contract

      There is no punitive damage for trying to get out of the contract or making it difficult for you to get the money you're owed.

    2. Re:Meh - not a big deal. by mianne · · Score: 1

      Except for the fact that they probably signed away their right to sue in a binding arbitration clause.

      --
      Javascript, cookies, flash, and ActiveX must be enabled in order to view this sig.
    3. Re:Meh - not a big deal. by JMZero · · Score: 1

      There is no punitive damage for trying to get out of the contract or making it difficult for you to get the money you're owed.

      Insurers can be assessed punitive damages in this kind of situation. In terms of litigation costs, that is indeed a problem - but not a huge one. This isn't going to be a hard case to take, and there's a good chance the insurer will roll over as soon as they find insured has lawyered up (unless they REALLY think they can establish fraud).

      --
      Let's not stir that bag of worms...
    4. Re:Meh - not a big deal. by Orange+Crush · · Score: 1

      When there's a disagreement on settlement, you go to court. It happens all the time. One dumb adjuster/investigator can make your time as a claimant difficulty - but by moving to court you can ensure a due process.

      . . . at a tremendous cost in time, lawyers fees and all around hassle. It might be worth it for $20,000, but smaller claims are so often not worth it. Litigation sucks. Often times the only real winners are the lawyers. The whole point of having an insurance company is to provide you with compensation for a covered loss without having to go through the hassle of suing the responsible party.

    5. Re:Meh - not a big deal. by JMZero · · Score: 1

      The whole point of having an insurance company is to provide you with compensation for a covered loss without having to go through the hassle of suing the responsible party.

      In the case of theft, I guess that's kind of the point - but that's hardly the point of an insurance company in general. Anyways...

      Now obviously it's better for everyone if a settlement can be reached out of court - but it's inevitable that sometimes court will be required. Understand, though, that that's an outcome everyone wants to avoid. Insurance companies have a strong financial incentive in avoiding court as well, so it's not like denying claims on invalid grounds is a lucrative long-term strategy.

      I think this is a mistake here - but it's a small one in the grand scheme of things. Buddy will almost certainly end up getting his money (though with some hassle) and the investigation will shed light on how to handle claims involving this technology (which will guide adjusters in the future to make better decisions).

      --
      Let's not stir that bag of worms...
    6. Re:Meh - not a big deal. by Orange+Crush · · Score: 1

      but that's hardly the point of an insurance company in general. Anyways...

      Then what is the point of an insurance company? It's been a few months since my last risk management and insurance course, but insurance companies exist to assume risks in exchange for a premium. Without insurance, your only recourse is probably to sue the party responsible. Your purchased coverage is there so you don't have to deal with that. If it's worth a lawsuit, then the insurance company can sue who's responsible.

      Coming at it from the other side: liability insurance exists to cover you for incidents you might otherwise be sued for. In either case, insurance is there to reduce risk and potential losses . . . and to keep you out of court. Of course, litigation can't always be avoided, but insurance can at the very least act as a buffer to provide a settlement in many cases rather than a full-on court battle.

  29. Re:Who really telling the truth by BeBoxer · · Score: 2, Insightful

    you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows?

    Large families and boats are both lifestyle choices as well. Choices which it's perfectly valid to criticize.

  30. Re:Who really telling the truth by mrxak · · Score: 2, Funny

    That's no excuse. If he has a boat and so many kids, then he should just make the kids push the boat around while he drives next to them in his two-seater hybrid yelling at them to put their backs into it.

  31. Re:Who really telling the truth by jandrese · · Score: 1

    While I do agree that the Shrill Anti-SUV crowd tends to tar hunters and other people who need a 4wd vehicle with good ground clearance for their offroad work unfairly, the guy bought a Lincoln Navigator. No actual outdoorsman would buy one of those, that guy had it entirely for the bling factor. Even if he did have a large family, your average Station Wagon is a far better choice for getting them around from an environmental impact standpoint and works just as well. Even a minivan would be less obnoxious, especially if he has 4 or 5 kids.

    --

    I read the internet for the articles.
  32. Re:Who really telling the truth by Anonymous Coward · · Score: 1, Funny

    a prius allows a certain pattern of engaging and disengaging the parking brake to over ride the security system

    Shave and a haircut?

  33. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    If you're looking for seating capacity, an SUV isn't your best choice. It makes a dandy status symbol though.

  34. Reminds me of the Simpsons by antifoidulus · · Score: 2, Funny

    Homer wants to get rid of a trampoline but can't until Bart puts a bike lock on it, then Snake shows up right away to steal it.

    1. Re:Reminds me of the Simpsons by Anonymous Coward · · Score: 0

      Allright! I got myself a car!

  35. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    Actually, there have been several cases of people making 'arrangements'to have their big SUV's stolen and torched. They can't make the payments & buy gas, nor can they sell it because they owe more on the SUV than it's worth. (They would have to pay somebody to take the vehicle.)

  36. nice. by Anonymous Coward · · Score: 0

    FTA: ...performed the specific series of pumps, interspersed with rotations...I had just jacked my own car.

    heh.

    1. Re:nice. by erroneus · · Score: 1

      HAHAHHAHA.... OMG, I totally missed that!!

  37. Re:Who really telling the truth by Incongruity · · Score: 1

    Did you even RTFA? Yeah, I didn't think so. If you had, you would have seen just how common and how easy it is for such RFID based systems to be worked around or tricked and, yes, unless you had the right mechanical key, you'd still need to crack the steering column to bypass the mechanical locking system.

    I had my suspicions about all of that, but the article pretty much spelled it out. So, by your claim, I can gather that either you completely disagree with the information presented there or you didn't read it. If you did read it, what's your counter evidence? Seeing as you present nothing to backup your claims, I'm left to believe you have no clue what you're talking about.

  38. Re:Who really telling the truth by Teddy+Beartuzzi · · Score: 1

    The guy spent $50 or $60 grand on a vehicle, and you think the extra few bucks in gas are going to break him, and make him commit fraud?

    Okayyyyy...

  39. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by Anonymous Coward · · Score: 0

    What year was that published? And what model years are those cars? Without knowing the model year of the car tested, we don't know if it is at the end of a 5 or 7 year run, and is saddled with an old security design, or is a brand new design.

  40. Insurers have I got news for you.. by OlivierB · · Score: 4, Informative

    A friend of mine works in a very large dealership of Germand made cars.
    New cars all come with a little plastic keyring with a tab attached to it. You scratch the surface of this tab to reveal a "Master Key".
    This key is akin to the RFID code needed to start the car, the dealer is supposed to give it up to the customer so that he can order a new set of keys, reprogram the other ones etc..
    This dealer has some people scratch all of these tags before they are given to the client, because as we well know, joe client will lose this in a blink.
    Without this key you need to contact the factory, wait two weeks, pay a fee and than program some new keys.
    On this particular brand, you can program/pair up to 5 keys per car if I remember correctly; only 5 keys can have the same code, I you lose one, you can only have four more etc.. After you've lost these you will need to reprogram all keys once again.

    My point is that at any level in this process you could have an insider job from the dealer, the manufacturer, or even some thief which goes through the dealer's bin picking these tabs if they aren't securely destroyed.

    Forensic evidence for this kind of theft is nearly impossible to tell, the cars ECU don't usually keep a whole lot of historical data.

    Nevermind that, if you get ahold of a dealer's servicing computer and a new ECU worth only a few thousand dollars you can actually reprogram the keys without need for the master key (plus you get to keep the ecu and put the old one back in when you abandon the car).
    The difficulty with this method however is not damaging the stering column or the physical lock.

    --
    Artificial intelligence is no match for natural stupidity
    1. Re:Insurers have I got news for you.. by s.o.terica · · Score: 1

      Sorry, with most modern cars you don't program the key, you program the car to accept the key, and to do that an already-functioning key is required. Same with keyless entry remotes.

      The code that you're referring to is for them to cut the physical part of the key.

    2. Re:Insurers have I got news for you.. by GizmoToy · · Score: 2, Interesting

      That's not completely the case for cars with immobilizers. Your car's ECU has a specific rolling immobilization code. Any key you order must be programmed with the current code to match your car's ECU. When this is done, all keys you wish to use must be present or they are locked out. In this way, both the key and ECU are mated to each other. At least that's how it works on new Hondas, I watched the process when I picked up my new Civic. It helps to get around the "corrupt dealer employee" hole by requiring all keys AND the car to be in the same place and reprogrammed at the same time. There's no way to make a key at the dealership without the car present and expect it to start the car.

      Of course, if you have your car in for service with all your keys, then they could do it without your knowledge.

    3. Re:Insurers have I got news for you.. by s.o.terica · · Score: 1

      The key itself still isn't actually programmed with anything -- it's still the car that's programmed to the key. There is no way to write information to a key, except the physical cutting.

    4. Re:Insurers have I got news for you.. by Anonymous Coward · · Score: 0

      You're not very bright are you - there's been chipped keys around for years...

    5. Re:Insurers have I got news for you.. by GizmoToy · · Score: 1

      Definately not true. They have a special PDA-like thing that plugs into the keys to program them, like flashing a BIOS. As a note, new Honda keys have the keyless entry controls and all that integrated with the key, so there's already a bunch of electronic stuff on the key.

  41. Re:Who really telling the truth by dfn_deux · · Score: 1

    Perhaps, but not ones on from which it is reasonable to assume someone is committing insurance fraud.

    --
    -*The above statement is printed entirely on recycled electrons*-
  42. RFIDs can be cloned.. by abigsmurf · · Score: 2, Interesting

    They can even be brute forced, however almost every car which has a system like this embedded in the car, has an imobiliser integrated into the engine. While it used to be a case of just disconnecting the immobiliser, they're now very tricky to disable. If you force the ignition without an RFID, the imobiliser would activate before the car got down the road. If the thieves were able to clone the RFID key system they wouldn't need to force the ignition in that way. If they forced the ignition without the code, the imobiliser would have gone off. Sounds like either a defective imobiliser or insurance fraud to me.

    1. Re:RFIDs can be cloned.. by Svartalf · · Score: 3, Insightful

      Or a swapped out ECU. Don't for a moment think that the crooks stealing the expensive
      vehciles don't have access to resources to glom onto a hacked or tuner's ECU somewhere
      that doesn't DO the RFID check. If it doesn't have an alarm system, it's very believeable
      that someone could have busted into the vehicle, swapped out ECUs, busted the column
      lock and cover and drove off in about 10 minutes or so- less if they've got more than
      one thief working in parallel.

      --
      I am not merely a "consumer" or a "taxpayer". I am a Citizen of the State of Texas
    2. Re:RFIDs can be cloned.. by Anonymous Coward · · Score: 0

      Sounds like either a defective imobiliser or insurance fraud to me.

      Or, if you had read the article, it sounds like the thief knew about the manufacturer's back door and simply used it to start the car and drive away.

    3. Re:RFIDs can be cloned.. by BatMacumba · · Score: 2, Insightful

      How was this modded 4/informative? Ever heard of a @#$%@#$% tow truck? 'never pass up a chance to suck up to a multi-billion dollar industry' :P

    4. Re:RFIDs can be cloned.. by abigsmurf · · Score: 1
      A tow truck dragging an SUV...

      Sounds discreet

    5. Re:RFIDs can be cloned.. by scarletire · · Score: 1

      Why does it need to be discreet? The only person who will question the guy doing the towing is the owner. How often have you asked a tow truck operator if their business is legitimate? What's so unusual about an SUV getting towed?

    6. Re:RFIDs can be cloned.. by Dr+Damage+I · · Score: 1

      If so, either the ECU in the recovered vehicle ought to be hacked, thus demonstrating that the owner wasn't complicit or the ECU ought to be either missing or in the car but not installed again demonstrating the owners noncomplicity. I can see the theives removing the hacked ECU (for use in their next heist), but don't really think they'd bother reinstalling the original. Alternatively, perhaps it's possible to hack the original ECU in situ

      --
      "Cursed is he who rises early in the morning..." Isiah 5:11
    7. Re:RFIDs can be cloned.. by Svartalf · · Score: 1

      The ECU is a modular affair- a little box with molex plugs going into it. All they needed do was KEEP the ECU with the RFID with the vehicle and hook it back in. Takes all of 5-10 minutes and makes it look like an impossible crime with the law not chasing after them "Because the guy had to be in on it- everybody "knows" that you can't steal these new cars with those RFID tags in the keys...".

      --
      I am not merely a "consumer" or a "taxpayer". I am a Citizen of the State of Texas
  43. Remote Start by Slayback · · Score: 4, Interesting

    One not-so-obvious answer may be that the owner had fitted the vehicle with a remote-start system or a 3rd party alarm. In most cases when this is done with RFID enabled vehicles, they have to override the RFID system. The hack to get around this high-tech security? Stick a key under the dash within range of the receiver. This would allow most remote start systems to then work.

    If the owner had done this and perhaps the perps had witnessed the victim using the remote-start vehicle, then they had a good target.

    Yes, I read the article and read about the back doors, but there's another situation where owners are willfully overriding security systems in order to get the functionality that they want and the manufacturer doesn't give them. Sound familiar?

    1. Re:Remote Start by Anonymous Coward · · Score: 0

      One not-so-obvious answer may be that the owner had fitted the vehicle with a remote-start system or a 3rd party alarm. In most cases when this is done with RFID enabled vehicles, they have to override the RFID system.

      Not true, all the remote start systems require a working rfid key (if your car requires one).

  44. catch-22 by m874t232 · · Score: 2, Insightful

    Their forensic examiner concluded that since all the keys were accounted for, there was no way the engine could have been started,

    And if not all the keys had been accounted for, the insurance company would have refused to pay because the guy was careless with his keys.

    I hope the victim will be able to recover both his loss and penalties from the insurance company.

  45. Re:Who really telling the truth by Roody+Blashes · · Score: 1
    ...you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows.

    Y'know, people have been making that argument to me for the last six years now. Undoubtedly, I've seen people towing boats, trailers, etc from time to time behind an SUV, but by far the most common use I see for SUVs is... drum roll please:

    Carrying one person to and from work on the expressway at unncessarily high speeds.

    See, the SUV crowd keeps SAYING things like this, but I never really see any evidence that any of it is true. If there's so much need for it, I'd really love to know why I'm never seeing it. I mean, over certain periods of time I'm willing to accept that I'm just missing these people with their massive "needs", but Occam's Razor is starting to tell me that the reason I see these "needs" so infrequently is because they're a crock that people like you invented to justify buying overpriced, under-functional trucks from shifty salesman that you weren't bright enough to handle.

    Almost nobody in the U.S., especially in metro areas, can rationally justify an SUV purchase. They get bought because they got popular and people just couldn't resist not having the latest trendy gadget, no matter how expensive and pointless and dangerous it was.

    Go play in traffic. Nobody with even half a brain is stupid enough anymore to believe that the majority of people with SUVs bought them for any other reason than they were "the cool thing to have".
    --
    If you haven't foed me yet, what are you waiting for?
  46. You're supposed to help *our* people by Overzeetop · · Score: 2, Funny

    quoth imdb:

    Bob: Did I do something illegal?
    Gilbert Huph: [begrudgingly] No.
    Bob: Are you saying we shouldn't help our customers?
    Gilbert Huph: [pacing back and forth] The law requires that I answer, No.
    Bob: I thought we were supposed to help people.
    Gilbert Huph: You're supposed to help *our* people! Starting with our stockholders! Who's helping them out, Huh?

    --
    Is it just my observation, or are there way too many stupid people in the world?
  47. Bypass kit by kd5ujz · · Score: 4, Interesting
    --
    -William
    God is everything science has yet to explain.
    1. Re:Bypass kit by Dun+Malg · · Score: 1

      If you read the installation instructions, you find that this bypass system requires either one or two working keys to set up. Basically, it sits in-line with the reader and injects a working code previously "learned" from a good key.

      --
      If a job's not worth doing, it's not worth doing right.
    2. Re:Bypass kit by Aluzion · · Score: 1

      As the installation manual states, it requires at least one of the original keys to be programmed, and cannot be programmed on more than one vehicle. It's impossible to use one of these modules for malicious purposes.

  48. Re:Who really telling the truth by Phreakiture · · Score: 1

    Large families and boats are both lifestyle choices as well. Choices which it's perfectly valid to criticize.

    Not to mention that an SUV is not the best vehicle choice for a large family. A van is.

    --
    www.wavefront-av.com
  49. No sense by Spazmania · · Score: 1

    This makes no sense. The car could easily have been towed away even if it couldn't be driven. Heck, folks expect tow-trucks to be in a parking lot hooking up cars and if the owner comes out and objects the "operator" can "let him off with a warning" and drive away with no one ever realizing that a car was almost stolen.

    If anyone sees anything, its a non-descript tow truck with a generic company name and a guy wearing a baseball cap, hooded sweater and sunglasses so you can't tell anything about him except skin color, height and build.

    --
    Moderating "-1, Disagree" is simple censorship. Have the guts to post your opinion.
  50. Especially since 1/4 of Americans approve of fraud by wsanders · · Score: 2, Interesting

    A poll a while back found 1/4 of americans approve of insurance fraud

    http://www.accenture.com/xd/xd.asp?it=enweb&xd=_dy n%5Cdynamicpressrelease_577.xml

    So yeah, not a bad assumption to make.

    --
    Give a man a fish and you have fed him for today. Teach a man to fish, and he'll say "WHERE'S MY FISH, YOU IDIOT?"
  51. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    Until they started to climb a hill, in which then his kids would pass him.

  52. Newsflash by 955301 · · Score: 1

    In the news:

    Half baked insurance companies deny auto claims by default - news at 11p

    --
    You are checking your backups, aren't you?
  53. Ummm.. by brunes69 · · Score: 3, Insightful

    US carmakers and auto-mobile insurers are unshakably certain that vehicles protected by "transponder immobil-izers" can't be driven without the proper keys - or, at least, that circumventing those transponder systems takes more sweat and money than most auto thieves are willing to expend.

    I think these companies are seriously fooling themselves. It's not like every crook has to go through the trouble of cracing the system - only one does - they can then sell their crack to everyone else.

    Who wants to bet that right now, as we speak, car thieves know more about these systems than the insurance company forensic investigators do?

    I don't even know anything about them and I know how this could be done. These systems work like any other public key encryption, they rely on the fact that there is a **private key** in the car that no one knows about. One leak in the system, either in the plant, or in the chip in the car, or in a disgruntled employee at a dealership, and the system falls apart. Boom, it is now trivial to make fake RFID "keys" that respond with the right handshake to private keys sent from the car.

    1. Re:Ummm.. by Steve+B · · Score: 1

      I think these companies are seriously fooling themselves.

      That phrase implies that they are guilty only of poor judgment leading to honest mistakes. IMO, the insurance companies know perfectly well that the technology doesn't work as well as advertised, but figure that they can get away with using it as an excuse to avoid paying claims they owe.

      --
      /. If the government wants us to respect the law, it should set a better example.
    2. Re:Ummm.. by Dun+Malg · · Score: 1
      These systems work like any other public key encryption, they rely on the fact that there is a **private key** in the car that no one knows about.
      Many of the systems aren't even that sophisticated. They use a simple rotating challenge-response method that is merely intended to communicate the key's unique ID number. If the unique ID has been previously programmed into the ECU, the car starts. Rather than anything so complex as encryption, they depend on the key manufacturer producing keys with RFID chips in a trackable, sequentially numbered fashion, with no mechanism or "going back" and making duplicates of previously used RFID numbers.
      --
      If a job's not worth doing, it's not worth doing right.
  54. inside dealer job by mabhatter654 · · Score: 1

    how could the keys "match" if the person reported it stolen with at least one in his hand? If the insurance company is citing Ford serial number, or engine computer records, they are dangerously incompetent. If the keys in Ford records matched the set driving the car, then somebody inside the dealer illegally transfered those keys and is helping organized theft of vehicles. That the insurance agent did't immediately present that info to the police is negligent.

  55. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by iluvcapra · · Score: 1

    Don't want to be too much of a pedant, but did they

    • just "get into" the cars, as the text is worded, or
    • did they get into the cars, succeed in initiating the starter, and getting the car rolling under their control?
    --
    Don't blame me, I voted for Baltar.
  56. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by flooey · · Score: 1

    Link?

  57. Stunning by Anonymous Coward · · Score: 0

    After playing with RFID tags and readers for the past year-or-so, I am floored at the blind eye many companies are adopting when it comes to the (so called) "security" of RFID devices. How can anything that, when activated, broadcasts it information, even when encrypted, be considered "secure". I'll stick with my low-technology key, thank you.

    In terms of security, the best RFID can provide is augmentation to more secure authentication methods, not substitute for them.

  58. Re:Who really telling the truth by the+eric+conspiracy · · Score: 2, Funny

    The station wagon is probably better for a number of reasons:

              1. Less likely to run out of gas while sitting at the gas pump.
              2. Less likely to cause you to exceed credit limit while refueling.
              3. Less likely to roll over while on highway exit ramp.
              4. Less likely to be targeted by thieves.
              5. Less likely to use so much disposable income you have to shop at Target.

  59. tow truck? by deanpole · · Score: 1

    How does an RFID prevent the car from being stolen by a tow truck? Here is Chicago illegally parked vehicles are moved all the time -- RFID be damned.

    1. Re:tow truck? by Anonymous Coward · · Score: 0

      Here is Chicago illegally parked vehicles are moved all the time

      Here in Chicago *legally* parked cars are moved all the time by the
      "Pirates of Lincoln Park"

    2. Re:tow truck? by Anonymous Coward · · Score: 0

      Higher end alarms have tilt sensors for this reason.

  60. Re:Especially since 1/4 of Americans approve of fr by EastCoastSurfer · · Score: 1

    Interesting article. I wonder how much of this has been brought on by the insurance companies themselves. Things like denying all your claims or making it a PITA to get your money eventually start to leave a sour taste with people. Eventually even honest people start to think that the insurance companies deserve to get get screwed once in awhile sine they are usually the ones being the PITA. Now of course all this just leads to higher premiums, but if the insurance companies at least acted like they were on your side rather than against you, it could go along way to changing the public opinion.

  61. Re:Who really telling the truth by Valthan · · Score: 1

    While I agree SUVs are bad, Here in Canada, people like them (my mom and also my aunt for example) because in the winter when the weather is bad the ground clearance and 4WD makes them feel more secure when driving by themselves to and from work.

    --
    --Valthan
  62. Re:Who really telling the truth by jeffehobbs · · Score: 3, Funny

    VOICEOVER: Adrian Brody. Mel Gibson. Dave Navarro. What do these people have in common? They all suffer from L.B.S. -- in fact, one in every one-hundred Americans are diagnosed with L.B.S., or "Large Boat Syndrome", every day. And it gets worse: L.B.S. victims routinely have to cope with Sports Utility Vehicle fees and marina docking rental costs just to make it through, day-to-day, with their disease. For just $130 dollars a day --the cost of a single Nintendo DS Lite! -- you can help these fellow Americans. Won't you donate, today?

    ~jeff

  63. Re:Who really telling the truth by Skater · · Score: 1

    I read an article a week or two ago talking about how people are committing fraud by giving their keys to someone else, who takes the car, dumps it somewhere, and torches it. The article mentioned that a common way to catch these incidents is to ask where the other key is. I think it was in the AAA magazine that I saw it.

    I understand the insurance company's side of it in that case, and I wonder if this situation is just one that got "caught" in the crossfire - it was a legitimate claim but looked a LOT like the fraudulent ones.

  64. Re:Who really telling the truth by andrewman327 · · Score: 2, Funny
    "you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows?"


    Towing your family? That, good sir, is utterly barbaric! Won't someone please think of the children?!? With an SUV that big, there should never arise an occassion where it becomes necesary to tow your family behind you! I am outraged!

    --
    Information wants a fueled airplane waiting at the hangar and no one gets hurt.
  65. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    "Breaking the column of a computer chipped car isn't going to get you anywhere."

    You're perhaps right- but only in the sense that registration keys and serials, remote server authentication, hardware dongles, encryption, anti-copying, off-set bits, intentional disc errors, disc image loaders, anti-anti disc image loaders, DRM, etc, etc, etc has all prevented people from ripping off any type of software or media.

    Anything that is easily accessible and easily moved can be stolen. A car is no harder than a game once you figure out how to get around the new form of protection.

  66. Not necessarily... by Belial6 · · Score: 4, Insightful

    When I was in college, there were groups going around telling women that "you may just not know you were raped." They had a clear goal of blurring the line between the words "rape" and "regret". It is nieve to believe that EVERY woman who claims rape really was raped. If it wasn't, we wouldn't need courts. Just a woman pointing a finger, and the man could be hauled off to jail.

    1. Re:Not necessarily... by soft_guy · · Score: 1

      Just a woman pointing a finger, and the man could be hauled off to jail.

      But that is the current system!

      --
      Avoid Missing Ball for High Score
    2. Re:Not necessarily... by cayenne8 · · Score: 1
      "But that is the current system!"

      Unless your name is Kobe, and you're kind of a famous athelete...

      --
      Light travels faster than sound. This is why some people appear bright until you hear them speak.........
    3. Re:Not necessarily... by TrentC · · Score: 4, Insightful

      When I was in college, there were groups going around telling women that "you may just not know you were raped." They had a clear goal of blurring the line between the words "rape" and "regret".

      No, they had a clear goal of making women understand that having a guy cornering them in their room and not letting them out until they "give it up" isn't something they should be expected to live with, or that waking up in a frat house with no clothes on and no memory of last night, isn't just something that "just happens".

      Women have an impressive double-standard to live with; if they get assaulted or raped, well, obviously they should have known better. But if they assume that a man might try to rape her if they are alone together, or doesn't want to be in a position where she can be overpowered or outnumbered, well, then she's obviously a man-hater/feminist/dyke. Nowhere in either of those equations is the man's behavior held to any standard.

      It is nieve to believe that EVERY woman who claims rape really was raped.

      The staistics for false claims of rape are in line with false claims for other crimes. (Well, it depends on who you ask and what time period the study in question covers; the numbers seem to swing from 1 percent to 25 percent of claims, with each end of the range having its defenders.) Also, many rapes go unreported, which would make the percentage of false claims vs. actual rapes even smaller still. But of course, any attempt to raise awareness or to encourage women to talk about what happened to them is "blurring the line between 'rape' and 'regret'".

      By your reasoning, we should assume that any person who claims they were robbed or assaulted is lying just because some people lie about it, or live in fear that we could be sent to jail by having someone pointing a finger at us and saying "he stole from me" if we don't defend the reputation of accused thieves.

    4. Re:Not necessarily... by Anonymous Coward · · Score: 1, Interesting
      The staistics for false claims of rape are in line with false claims for other crimes.

      If someone accuses you of stealing their car, even though they've lent it to you in the past, you can't be convicted unless they come up with some proof that it's in your garage, or get some film of you bringing it to a chop shop or something like that.

      However, if you fuck your girlfriend one night, dump her the next morning, and the evil lying cunt goes to the ER and screams rape, you are HOSED. You will get 10-20 just on the psycho slut's word that it was rape and not consensual.

    5. Re:Not necessarily... by clarkcox3 · · Score: 2, Interesting
      When I was in college, there were groups going around telling women that "you may just not know you were raped." They had a clear goal of blurring the line between the words "rape" and "regret".
      No, they had a clear goal of making women understand that having a guy cornering them in their room and not letting them out until they "give it up" isn't something they should be expected to live with, or that waking up in a frat house with no clothes on and no memory of last night, isn't just something that "just happens".
      Were you there, why do you automatically disbelieve that the GP saw what he said he saw? And there were indeed such groups at my college. They made absurd claims such as "If you've had a single drink of alcohol (and are female), you are unable to consent to sex."
      By your reasoning, we should assume that any person who claims they were robbed or assaulted is lying just because some people lie about it, or live in fear that we could be sent to jail by having someone pointing a finger at us and saying "he stole from me" if we don't defend the reputation of accused thieves.
      Nice straw-man. No, that was not his reasoning. If you followed his reasoning, you would get: "It is nieve[sic] to believe that every person who claims to have been robbed or assaulted was really robbed or assaulted." Which is an objectively true statement.
      --
      There are no tiger attacks in my area and it's all because this rock I'm holding keeps the tigers away.
    6. Re:Not necessarily... by wirelessbuzzers · · Score: 1

      Rape is always a tricky issue, because it often hinges on the existence of a verbal (or even implicit/nonverbal) consent between two drunk people. Of course, most of such (reported) cases were actually rape, but it is hard to distinguish them, particularly if the people involve were drunk enough not to remember clearly. It can easily come down to "he said, she said," or "what qualifies as consent" (cuz, you know, signing legal documents when you're drunk and horny, like, totally ruins the mood). Between alcohol and the next-morning shock/regret, it's easy to convince yourself that one thing or another happened, and parent poster's claim is that the support groups are doing too much to convince people that they were raped.

      --
      I hereby place the above post in the public domain.
    7. Re:Not necessarily... by merreborn · · Score: 1

      Between alcohol and the next-morning shock/regret, it's easy to convince yourself that one thing or another happened, and parent poster's claim is that the support groups are doing too much to convince people that they were raped.

      Say what? Professionals encouraging people to create false memories of crimes that never happened?

      http://en.wikipedia.org/wiki/Day_care_sex_abuse_hy steria
      http://en.wikipedia.org/wiki/Satanic_ritual_abuse
      http://en.wikipedia.org/wiki/Moral_panic#Examples

      That's unpossible!

    8. Re:Not necessarily... by Anonymous Coward · · Score: 0

      Communist!
      Socialist!
      Terrorist!
      Child rapist!

    9. Re:Not necessarily... by booch · · Score: 1

      Also, many rapes go unreported, which would make the percentage of false claims vs. actual rapes even smaller still.

      Actually, that would make the percentage of false claims higher.

      --
      Software sucks. Open Source sucks less.
    10. Re:Not necessarily... by ad0gg · · Score: 1
      or that waking up in a frat house with no clothes on and no memory of last night, isn't just something that "just happens".

      And what happens when its reversed? A guy wakes up next to a girl and has no memory what happened, and girl says we had sex. Oh wait double standards. At my college they were pushing if the girl was drinking, you couldn't have sex with her because she couldn't consent. Never was it the opposite.

      --

      Have you ever been to a turkish prison?

    11. Re:Not necessarily... by yndrd1984 · · Score: 1
      No, they had a clear goal of making women understand that having a guy...
      Some of them had that goal. Others had different goals.

      Women have an impressive double-standard to live with
      So do men.

      The staistics for false claims of rape are in line with false claims for other crimes.
      OK, we agree that there are some false claims.

      But of course, any attempt to raise awareness or to encourage women to talk about what happened to them is "blurring the line between 'rape' and 'regret'".
      Attempts to reduce crime and help victims should be praised. Attempting to blur the line between feeling like you were raped and actually being raped should be shouted down - and some people really do want to do that. Also, men can be victims of rape as well.

      By your reasoning, we should assume that any person who claims they were robbed or assaulted is lying just because some people lie about it, or live in fear that we could be sent to jail by having someone pointing a finger at us and saying "he stole from me" if we don't defend the reputation of accused thieves.
      I don't know where you're directing this rant. Not every person who claims to be the victim of a crime is actually a victim - end of story.

      The only proper way to handle these situations (IMHO) before the matter is investigated is to assume a crime happened when dealing with the accuser, and to assume there wasn't one when dealing with the accused.

    12. Re:Not necessarily... by Anonymous Coward · · Score: 0

      This actually isn't true. The burden of proof still exists and, forensically, consensual sex and rape are different. Get it straight.

  67. Head positioner stator magnets by Gordonjcp · · Score: 1

    en tee

  68. Repeat after me: RFID was NOT MEANT FOR SECURITY! by foreverdisillusioned · · Score: 1

    I cannot believe people are still pushing passive RFID as some sort of security magic bullet. Passive RFID is great for inventory, but for security it is quite possibly the least secure "key" ever conceived. With the proper equipment, a thief can read keys at a distance of maybe a dozen feet and thus can go trolling for key codes with ease in high-class neighborhoods/establishments. There are literally thousands of other options for electronic keys--why on EARTH would someone want to use the only method that can be spied on from many feet away while the keys are still in your pocket? A USB key would be more secure. A magstripe would be more secure. Hell, a fucking barcode stamped on the side of the key would be infinitely more secure.

    I'm not saying that this was necessarily how the alleged thieves stole his SUV, but this continued obsession with passive RFID for security (see also: passive RFID home door locks and that company that actually REQUIRED its engineers to implant passive RFID chips in their forearms for access to the server room) is quite possibly the worst example of buzzwords trumping common sense that I've ever seen. A thief need only spend a few thousand dollars on the RFID sniffing/spoofing equipment and he'll have the ability to troll for keys (for cars worth at minimum $20,000+) and clone them with ease. Active (powered) RFID is quite another matter--with a sufficiently large key and a challenge/response mechanism, it can be very secure indeed, but passive RFID blithely broadcasts its code for the entire world to see. RFID of any sort doesn't even make sense in this case--the key has to make contact with the keyhole, so why the hell is there any need to BROADCAST anything? Stick some contacts on it running to a small flash memory chip, or like I said you could even stick a barcode on the damn thing. I guess people simply prefer an expensive, laughably insecure solution over a cheaper, very secure solution so long as the former uses some sexy new technology.

  69. Re:Who really telling the truth by ems2004 · · Score: 1

    Yes, for slashdotters, where even having a girlfriend is seemingly impossible ..... having a big family is .......?????

    --
    ..... best things in life are not so free..........
  70. yes, I do want to penalize them by Anonymous Coward · · Score: 0

    Because they're penalizing the rest of us by

    a) making out atmosphere hotter for the rest of us
    b) driving up the cost of gasoline for the rest of us
    c) spewing more pollution, making the air dirtier for us

    where their contributions to a) b) c) are much higher PER MILE OF FORWARD MOTION than the rest of us.

    They are more responsible for penalties inflicted on society than the driver of a Prius; why is your response to this going to be "but they are not responsible"? Isn't personal responsibility a cornerstone for laissez-faire flag waving free market libertarianism? Or is this post subject to moderation by "I want to do whatever I want without consideration of my effect on others" right wingers?

  71. Everyone is over thinking the problem by Anonymous Coward · · Score: 1, Insightful

    The RFID key doesn't matter. Any car, suv, truck, minivan, or box with wheels can be stolen with a tow truck. End of story it can be stolen just pay the man.

    1. Re:Everyone is over thinking the problem by 91degrees · · Score: 1

      Yeah, but if the police report states that the criminals broke into the car, and drove it to wherever it went, the insurance company will probably assume that that's the only way it could possibly happen.

  72. $825.39 a month by Anonymous Coward · · Score: 0

    That's the real crime.

  73. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by Anonymous Coward · · Score: 0

    Those stats would be great, if only they were applicable.
    Those stats are clearly based on european cars - note the vehicles that are on the list which are not available here (such as peugot and skoda, to name only a couple.
    Being as even cars of the same model name are differently equipped on opposing sides of the pond, you really can't take this list and compare it to the case of a stolen Navigator in California.

  74. Easy sell on ebay by portwojc · · Score: 1

    Looks like I found the next thing to sell on ebay. A small piece plastic to conceal the VIN number.

    At least then they have to break in first then call the dealer.

    Hopefully dealers will take note and say "sorry sir/ma'am we can come tow the vehicle in and do it here".

    1. Re:Easy sell on ebay by Warshadow · · Score: 1

      Except that the VIN in on dozens of places on every automobile. Go ahead and cover up the one in the windshield and they can get it in under a minute from another dozen places on the can that are easily accessable without having to get into the car.

      Ironicly enough car companies put the VIN all over the car to help combat auto theft. It's pretty easy to change a vin plate in the windshield, but if it doesn't match all the other VIN's on the car. Hey stolen car!

    2. Re:Easy sell on ebay by mr_matticus · · Score: 1

      Where? The VIN on my car is in the door jamb and in the trunk in the spare wheel well. The full VIN is not printed in the engine compartment, either on the block or on the hood labels. Any access to the VIN, aside from in the window (which might be unlawful to cover depending on where you live), requires a key or a physical break-in...

      I did once have a Ford which had the VIN stamped into the engine block, but that's hardly "dozens" of places.

    3. Re:Easy sell on ebay by Warshadow · · Score: 1

      Where? The VIN on my car is in the door jamb and in the trunk in the spare wheel well. The full VIN is not printed in the engine compartment, either on the block or on the hood labels. Any access to the VIN, aside from in the window (which might be unlawful to cover depending on where you live), requires a key or a physical break-in...

      I did once have a Ford which had the VIN stamped into the engine block, but that's hardly "dozens" of places.


      On many cars you can find the VIN on just about any part with a sticker on it. I built trucks for GM for a few years and the VIN is everywhere on GM trucks (passenger side of the frame just below the door is one easy place). I can't speak for anyone other than GM really as that is where the majority of my experience is, but I know for fact on the five GM vehicles I've owned the VIN is all over the place. On my Subaru it was in less places, but still fairly easily found.

    4. Re:Easy sell on ebay by mr_matticus · · Score: 1

      Huh. That doesn't seem like a wise move on GM's part...sort of like using your SSN for inventory tracking!

    5. Re:Easy sell on ebay by Warshadow · · Score: 1

      Well the stamps on the frame are required. There are a handful of required VIN stamps on most cars because of theft. Thieves will change the plates in the window, so there are others to verify.

      I have a feeling if you looked a little harder you'd find the VIN all over your vehicle. It may not be in blatently obvious places, but if you know where to look it's not hard to find.

  75. 7" RF Fallacy by Anonymous Coward · · Score: 0

    I laughed at the bit where they say the key's RF signal only goes 7 inches. I get the same laugh when I read about those RF credit card transponders only going 11 inches.

    Tell that to the guys who do 100 kilometer 802.11.

    1. Re:7" RF Fallacy by Enigmafan · · Score: 3, Funny

      I laughed at the bit where they say the key's RF signal only goes 7 inches. I get the same laugh when I read about those RF credit card transponders only going 11 inches.

      Mine does 13 inches...

    2. Re:7" RF Fallacy by 77Punker · · Score: 1

      The RF key does not have a transmitter. It is read passively by the car. RFID tags and RF networks are apples and oranges.

    3. Re:7" RF Fallacy by Anonymous Coward · · Score: 0

      RFID tags have transmitters in them, a RFID tag is a transmiter/reciever(transpoder) that has no internal power supply. Its powered by the RF signal of the reader.

    4. Re:7" RF Fallacy by Ced_Ex · · Score: 1
      I laughed at the bit where they say the key's RF signal only goes 7 inches. I get the same laugh when I read about those RF credit card transponders only going 11 inches.


      Mine does 13 inches...

      Really? But how wide is the RF signal? Because we all know it's about girth.
      --
      Live forever, or die trying.
  76. Re:Who really telling the truth by Gordonjcp · · Score: 1

    I have a box, which I built myself from a copy of a commercial tool, that will allow *any* petrol vehicle to be started and driven, without even touching the immobiliser. It's very easy to do. Of course *I* use it to start cars with faulty injection or ignition systems.

  77. Oblig. Simpsons Quote by bahwi · · Score: 1

    Wiggum: We'll track down Simpson with your vehicles anti-theft system.
    System: Car gone! Car gone!
    Wiggum: Yeah, we know that. Where has it gone to?
    System: Cargon! Cargon! Cargon!

  78. Re:Who really telling the truth by Roody+Blashes · · Score: 1

    Yea, they feel safer because when they hit someone and kill them they're less likely to be hurt.

    Protip: 4WD and AWD provide only one useful function: start movement on bad terrain. After that, weight and tire size are the ONLY benefits an SUV has over a car, and they do not contribute to road manners significantly well enough to make them much more useable in poor conditions unless they're in the hands of a skilled driver.

    In fact, as an amusing aside, I don't know if there are any SUVs left that don't have ABS since they're so prone to being driven on dry pavement. That works against them in a HUGE way on slick surfaces and probably negates any benefits to be had from tire size and tread when trying to stop in a winter weather.

    --
    If you haven't foed me yet, what are you waiting for?
  79. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by cdep_illabout · · Score: 1

    What is this "Security Supertest League Table"?

    The only thing Google turned up was this:
    Lexus: What Car? Uncovers the key to new car security

  80. And no ones heard of a tow truck by Anonymous Coward · · Score: 0

    just drag the damn thing away, so much for rfid

  81. Re:Who really telling the truth by ArchangelTyrael · · Score: 1

    I'm not defending owning an suv for the bling, but new versions are actually pretty good on gas. For example, My ford 500 gets about 21mpg, advertised 20/21 (city/expressway). The new ford explorer (an suv) is advertised 26/27 mpg. So, actually, it should be noted that not all suvs are bad with gas consumption, thought I can't speak for the navigator. Several of the people I commute to work with have suv's, and they actually use them to drop four kids off at school, and bring the spouse to his/her job location before they get to work. Although these people make up a minority of the suv owners at work. I think that instead of expecting less suvs, and less improper usage, we will simply see more people using them properly. Also, please remember that just because they own an suv doesn't mean they must fill every seat with a human every time they go out. That's a rediculous expectation. With a majority of the american population being obese, I would think that sales of larger vehicles would be expected. For example, I myself am quite overweight (I'm getter better), and I found it entirely uncomfortable to drive anything other than a full-sized car or suv/truck. I actually got cramps from test drives with fuel-efficient vehicles. This is especially important factor for people with long commutes (2 hours round for me). I actually considered moving somewhere else so I could use a prius, until I realized that I don't fit in one. I discovered that, upon question their purchase, most of my suv-owning coworkers falsely believe that they perform better in crashes, and are therefore safer that mini-vans.

  82. you insensitive fool by Anonymous Coward · · Score: 0

    Don't you realize that without those little speedboats we'd never have doctors? Nobel prizes are won by monster truck SUV makers. What world do YOU come from?

    [sarcasm off]

  83. List incomplete by stormy_petral · · Score: 5, Funny

    Where is my Dodge Caravan with cracker crumbs and baby puke stains?

    1. Re:List incomplete by jratcliffe · · Score: 2, Funny

      It's exactly where you left it - nobody's going to steal that thing. :)

  84. Re:Especially since 1/4 of Americans approve of fr by Anonymous Coward · · Score: 0

    I'm proudly one of those people. The insurance comapnies actually made money in a year that saw the worse natural disaster in US history. Yes Katrina and Wilma thrashed the gulf coast and New Orleans and now hundreds of thousands of people who've paid into the insurance industry's pockets for years are being left with pathetic resolutions to their claims.

  85. Re:Who really telling the truth by 'nother+poster · · Score: 1

    Yes. And if the insurance comapny has evidence that the guy in the article was upside down on his loan and a few dozen other things were in happenin/done then they can claim fraud, at which point they should turn it over to the police and prosecutor. Just being upside down on a loan doesn't mean you are an accessory to a crime involving the property (car, house, whatever) the loan is on.

  86. Re:Who really telling the truth by Valthan · · Score: 1

    See, and here I meant more of a sliding on ice (4WD does indeed help... ever switched to it in mid slide... you regain control significantly faster, also see 2WD V. 4WD in high snow... guess what works better... yes that is correct, a higher standing 4WD,) and if you can't regain control and slide off the road, hitting a tree/lightpost will not be as bad as in a little AWD car. Also the clearance is quite helpful when getting "plowed into" parking spots or if you happen to go into a snow pile that is 3 foot tall).

    --
    --Valthan
  87. No, they probably didn't by JMZero · · Score: 1

    That kind of clause is rare - especially in personal lines. Even where such clauses exist, they're usually not enforceable.

    --
    Let's not stir that bag of worms...
  88. Re:Who really telling the truth by suggsjc · · Score: 1
    The SUV actually wins for a single reason:
    1. More likely to get a woman to ride with you
    Good luck getting a chick in a mini-van...

    I'm the proud owner of a sports car and and SUV, so I've got all the bases covered. Anyway, gas-guzzling or whatever, both of my vehicles are my choices, and reflect my personal interests. You are more than welcome to drive whatever you desire, however, please allow me to do the same. Chaining yourself to a tree isn't going to make me want to drive something different...so just stop already!
    --
    When I have a kid, I want to put him in one of those strollers for twins and then run around the mall looking frantic.
  89. Re:Who really telling the truth by KevinIsOwn · · Score: 1

    What are you talking about? How in the hell is 20 or 27mpg good on gas consumption? My car gets 33/40mpg, which is about the best the market offers in terms of non-hybrid vehicles, and I hardly consider that more than just "good." With all the people driving these supposedly good on gas vehicles getting 20-27mpg, if they all drove mine, with every 3 cars that's 1 less car. That's not particularly good on gas if you ask me.

  90. Re:Who really telling the truth by dfn_deux · · Score: 1
    Who said anything about the majority?!?! This is really ridiculous, I'm just tired of people assuming the worst based on their own judgmental "holier than thou" attitude. You don't know this guy, I don't know this guy, who are either of us to assume that he is some ass-clown merely because of his choice of vehicle. It has nothing to do with how many other people you happen to see doing whatever it is they happen to be doing. Assuming that an SUV is not a sensible vehicle choice for anyone is just as stupid as assuming that every prius driver is vegan or that everybody who drives a miata likes to autocross...

    I drive a 14 year old honda civic that gets 30mpg and cost me about two pay checks, that hardly qualifies me as part of the "SUV crowd". I am simply someone who sees that for some people maybe an SUV is an appropriate choice and just because for MOST people it isn't doesn't give anybody the right to assume that everyone is part of MOST people... Your occam's razor argument is flawed as well, because you have made some assumptions about the nature and intentions of people and then written that off as "the simplest answer" does not make it so... The occam's razor driven conclusion would be something more along the lines of "he bought/owns an SUV because that is what he chose to buy..." attempting to apply occams razor to things questions such as "why did he choose to buy the SUV" is inherintly flawed because there is an arbitrarily large set of answers with similar simplicity... There is nothing more inherintly simple about being ego driven vs. being practical.

    --
    -*The above statement is printed entirely on recycled electrons*-
  91. No claim by camperdave · · Score: 1

    The Cunard Line didn't own the Titanic. The Titanic was part of the White Star fleet, and sank 22 years before the White Star/Cunard merger.

    --
    When our name is on the back of your car, we're behind you all the way!
  92. Re:Who really telling the truth by guisar · · Score: 1

    I have a VW bus, which might qualify for the mini-van title. I've always owned them; so has my brother. We're both married. I think you'll find, at least for those of a certain type, a VW bus, especially a westfalia IS a chick magnet, if you don't mind a bit of underarm hair of course. I'm not talking about my underarm hair by the way.

  93. Re:Who really telling the truth by c_forq · · Score: 3, Interesting

    I'm always amazed by the tricks car workers and car theifs know. It just goes to prove that saying "locks keep an honest man honest", or however that goes. Once I locked my keys in my car just outside of Detroit. I found a guy to help me out in the yellow pages, who happened to be a recently laid off autoworker, in about 3 minutes he had my entire door panel off and actually took the lock out of the door to make a new key, and I was given a new working key within 10 minutes of him arriving.

    --
    Computers allow humans to make mistakes at the fastest speeds known, with the possible exception of tequila and handguns
  94. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    If you're not driving an SUV, you're not included in his argument. Stop trying to make yourself a victim.

  95. Re:Who really telling the truth by Roody+Blashes · · Score: 1
    There is nothing more inherintly simple about being ego driven vs. being practical.

    Except the fact that I have observed, consistently, over years, that the cause of most SUV purchases, where most is best defined as "nearly all", is egomania.

    But, hey, never mind. Even if 1 in 1000 people buy an SUV for a non-egomanical reason that's a good enough chance to take a critical, neutral approach to every single SUV driver, right?

    No, of course not. That's ridiculous.

    The majority, by far, of SUV owners purchased for ego. I will automatically default to that conclusion when presented with any new SUV driver, and I will almost always be right.
    --
    If you haven't foed me yet, what are you waiting for?
  96. Re:Who really telling the truth by ArchangelTyrael · · Score: 1

    I'm sorry, I should have been clearer. I meant to say that the new suvs from ford get better mpg than most of the ford cars do, which is interesting. You are right, 27 is nothing to boast about, but it is better than the model year before it.

  97. My favorite quote by miller701 · · Score: 1

    Bob: Are you saying we shouldn't help our customers?

    Gilbert Huph: [pacing back and forth] The law requires that I answer, No.

  98. The robbers left the vehicle near the boarder... by katchins · · Score: 1

    because they couldn't afford the $75 (25 gal x $3/gal) in Mexico to fill it up.

    --
    if (!sig) { printf("Signature Unavailable\n"); }
  99. Re:Who really telling the truth by bbrack · · Score: 1

    manufacturers over ride methodology (I.E. a prius allows a certain pattern of engaging and disengaging the parking brake to over ride the security system and other systems will be disabled by simply removing a specific fuse from underhood)

    The over ride pattern for every RFID enabled car I have ever looked at, in addition to opening the passenger door, pushing the brake twice and honking, required that a master key be in the ignition (and usually the car switched on) during the sequence...

    otherwise, it'd be fairly simple to open a car, program a new master key, and drive off

  100. Re:Who really telling the truth by guisar · · Score: 1

    An SUV hitting a smaller car- yes the smaller car is more likely to be damaged as it has to absorb more energy. An SUV or a smaller car hitting an immobile object like a telephone pole- you're probably safer in the smaller car. In the first case, the smaller car is probably made by Honda, VW, Saab or a similar manufacturer who has spent some time working to lower injuries and thus lawsuits against them. Secondly SUVs weigh more, sometimes a LOT more like over 8,000lb. If you hit an immobile object, like a rock that SUV has to soak up the extra kinetic energy and most likely that means a crushed passenger cage. An extra four or five feet of overhang and an 8' wide passenger compartment don't mean squat if that pole smacks into the drivers side. The notion that SUVs are safer is FUD.

  101. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    While I admit that there are alot of people out there driving SUV's for the reasons you mentioned, I disagree with your assumption that "almost nobody in the US, especially in the metro areas, can rationally justify an SUV purchase." Just because an SUV doesn't fit your lifestyle, doesn't mean that they are worthless.

    I live in the Chicago area, and I own a small SUV. During the week, I drive my SUV to and from work. I also own a house that needs some work done on it. At night or on the weekends, you can find me heading to the local hardware store, lumber yard, etc... I tried hauling sheets of plywood, dry wall, 2x4's, water heaters, etc... around in my sedan, but it didn't work. A pickup gets sucky gas milage with limited seating. I looked at vans, but didn't find one that I liked based on price, styling, etc... So, I ended up with a small SUV. Good but not great gas milage, and a decent hauling capacity. Am I hauling stuff 24/7? No, but I use it enough to easily justify the purchase, and based on the parking lot at the local Home Depot, I know I'm not alone.

    Remember, just because you only see me going to and from work, doesn't mean that is the only thing I do in my SUV. Are you at the hardware store/lumber yard in the evenings and weekends? Do you drive on roads that lead to large bodies of water Friday - Sunday? Do you camp regularly? Do you have two large dogs as pets? I'm guessing the answer to those questions are no.

  102. Re:Who really telling the truth by suggsjc · · Score: 1

    Well, I was being a little over-zealous with the blanket statement. There are always exceptions to the rule...just kidding.

    I'm all for better vehicles, better economy, etc. However I do get a little perturbed with people that want to try to force people into their viewpoint through whatever means. I like my sports car because it is well, fast. We have the SUV because it is convenient. Do we really need that large of a vehicle all the time, no. However, it is very useful when we do need to haul stuff or several people. So given the choice of driving a smaller more efficient vehicle and having the ability to carry more stuff when I need to I'm going to go with the larger vehicle...just in case the need arises.

    --
    When I have a kid, I want to put him in one of those strollers for twins and then run around the mall looking frantic.
  103. Re:Who really telling the truth by jafiwam · · Score: 1

    You forgot;

    6. Is so emasculating that cops neglect to care if you are speeding.

  104. Re:Who really telling the truth by dfn_deux · · Score: 1
    Really this argument is getting ridiculous... That said...

    Your observations are tainted by your assumptions, if you do the majority of your driving miles commuting then it is also a solid bet that the other cars you observe are participating the same behavior (commute hours tend to work that way) such that it is also a pretty solid bet that the majority of the SUVs you see are being used as commute vehicles AND as most people do not car pool it stands to reason that these commuting SUVs are generally carrying one passenger. Likewise if you spent the majority of your day working at a boat launch or at home depot or at a motorcycle dealership (etc) you would also hacve falsy weighted observations where-in you might be claiming "in thousands of cases of personal observation I have concluded that SUVs are generally used by those who are towing large equipment/trailers/boats/motorcycles/etc" AND you'd be similarly incorrect in the psuedo-scientific nature of your observational evidence.

    Let's for a moment take one of my co-workers for example, you might see him commuting everyday on the local freeway, and you'd assume that he is some ego driven SUV driver who is in an eternal pissing match with the next guy, but what you'd fail to see is that he commutes only a short distance, has only enough parking for a single vehicle, the SUV was given to him by an extended family member, he uses it one weekends to organize a church carpool, AND he also uses it to tow his motorcycle trailer when him and soem of his friends go dirtbiking... Now seems to me that an SUV would be a perfectly practical choice in this instance AND I'm going to use your same little argumentative crutch and say that occam's razor would seem to agree that this is simple enougfh reason such that it could validate the purchase decision of many others...

    --
    -*The above statement is printed entirely on recycled electrons*-
  105. I'm an insurance agent by Anonymous Coward · · Score: 0

    State laws do very to some degree, however, the way a auto policy is written is to cover certain perils. Such perils are usually theft, water, fire, stupidity (leaving the car running in the winter and it's stolen...) ect. When damage is done to your auto by a covered peril the policy pays, simple as that. However, an exclusion is in most policies that will allow a company to not pay if an insured inflicts the damage on purpose. Thus, in a court of law if the insurance company can prove that the insured did said damage, they wouldn't have to pay. On the other hand proving that is quite the feat unless video documentation is present.

  106. Re:Who really telling the truth by kabocox · · Score: 1

    Large families and boats are both lifestyle choices as well. Choices which it's perfectly valid to criticize.

    Well, all choices are open to criticisim from some one. Define "large" family. I've got 2 kids. Is that large? It would be if you were in a country were the government wanted every family to only have one child. I'm one of 3 kids. I typically think 4 children or over is a large family. My grandparents would have considered 6-8 a normal sized family and 9 or more a large sized family. They'd have considered a 2-3 child family dangerously small. Why dangerously small? Why 1-2 of them could die on you and you'd only have 1 left over.

    We can critize everything about this hypotical person as well. How dare he potentially privately own a boat! Why he would be able to go on lakes and rivers and disrupt environment! The only ones that should own boats should be the government or highly licensed corporate entities that can properly train their boat pilots how to use the boat without disrupting the natural envirnoment! If this individual should ever need to cross water, then he should pay passage on a ship/boat that is properly licensed. What about private rec. boating/ jet sking/ sailing as life style choices? How dare you even think any of those should be legal! They all polute and disrupt the natural environment. ;)

    Come on we can critize anything.

  107. Re:Who really telling the truth by Valthan · · Score: 1

    OK... I have an example though... a couple winters ago there is a bad curve near where I live, I had a friend slide on it in his Grand Cherokee going probably about 80km/h and hit the telephone pole on the driver side, the engine was pushed about a quarterway into the passenger foot well but he was otherwise fine. Another guy, driving the same corner a couple weeks later slid, hit the pole in a Neon and on the driver side, and the engine ended up in passenger seat, that would have killed a passenger if there was one. The driver said he was also going about 80km/h. And just so you know, the speed limit is 50km/h and the corner has 30km/h signs.

    So how come this was the opposite of what you said?

    --
    --Valthan
  108. Re:Who really telling the truth by Roody+Blashes · · Score: 1

    HOW SMART PEOPLE TOW MODERATELY SIZED THINGS WITH CARS

    Step 1: Buy a hitch.
    Step 2: Buy a trailer.
    Step 3: Install hitch and latch trailer.
    Step 4: Load trailer.
    Step 5: Drive to destination.
    Step 6: Unload trailer.

    Regarding the dogs, presuming you aren't taking them everywhere, that's no excuse. If you buy a special vehicle type just for your pets, you have much deeper cognitive problems than we can address here.

    Regarding the rest of your drivel, nothing you mentioned there either:

    1. Fits anything even remotely approaching the majority of people.
    2. Can't be done with a car.

    Besides, even ignoring the fact that your excuses were pointless and easily overcome, the best overall vehicle type for you is a station wagon, not an SUV.

    --
    If you haven't foed me yet, what are you waiting for?
  109. Re:Who really telling the truth by gnasher719 · · Score: 1

    '' In fact, as an amusing aside, I don't know if there are any SUVs left that don't have ABS since they're so prone to being driven on dry pavement. That works against them in a HUGE way on slick surfaces and probably negates any benefits to be had from tire size and tread when trying to stop in a winter weather. ''

    A while ago they showed on British TV a test of a BMW four wheel drive car. They started at a top of a small hill, covered in grass (the hill, not the driver), on a wet day. Then tried driving downhill very slowly. Unfortunately, the brakes on the four wheel drive car didn't manage to slow it down... Hilarious to watch; would have been quite frightening if you were inside the car.

  110. Re:Who really telling the truth by ElleyKitten · · Score: 1

    If you have enough kids that you could use a mini-van, then you either already have a "chick" or you don't have any time to find one.

    --
    "What is Internet Explorer 7? Are you saying we can't access the normal internet?" - I love tech support. Really.
  111. Take your loss-adjusters car by nickovs · · Score: 2, Interesting

    OK, so you have a signed letter from the loss adjuster at the insurance company saying that any car that goes missing that has an RFID in the ignition was not stolen. In that case there's only one thing to do: spend $500 on a private eye, find out where they live and what car they drive, and then take it. After all, you have a signed letter from the owner saying that it wasn't theft!

    --
    If intelligent life is too complex to evolve on its own, who designed God?
  112. Re:Who really telling the truth by twistedsymphony · · Score: 1

    welll I suppose if you still live at home... No one said you had to be the driver of the big family SUV.

  113. Re:Who really telling the truth by dfn_deux · · Score: 1
    I'm curious how many you've looked at...

    Also, if you RTFA you'll see that the author was successful in using a honda override procedure without a "master key". he used his normal car key with the rfid chip shielded. I'm guessing that maybe you're implying that the ignition must already be switched into the "acc" or "run" position in order for the rfid override to work, which may be true, however the bit about getting the ingition lock into either of those positions doesn't "require" a key so much as it just requires enough force to get the lock to turn, which is basic old tech car theft type of strong arming... The common methods I've seen involve using a body dent puller with integrated slid hammer to remove the lock cylinder and then manually actuating the lock with a screwdriver which has the double effect of both working the ignition switch as well as disengaging the steering lock detent mechanism...

    --
    -*The above statement is printed entirely on recycled electrons*-
  114. Re:Who really telling the truth by Roody+Blashes · · Score: 1

    Dear Sir,

    It has come to my attention that you have no idea what you are talking about. Kindly do us both a favor and come to a basic understanding of the proper application of Occam's razor as a principle for deriving meaning based on the most likely solution to a problem in which inconclusive but significant evidence is available.

    Specifically, please come to understand it well enough to know that no intelligent person would be so silly as to attempt to apply it after observing only one data point.

    Thank you.

    --
    If you haven't foed me yet, what are you waiting for?
  115. Re:Don't be so hard on the insurance company by symbolic · · Score: 3, Insightful


    I thought it was accepted practice to stall, misrepresent, impose legal costs, hide behind obscure terminology in a contract, and employ countless other ways to avoid rendering its primary service.

  116. Hi, my name is Lizzy Fair by Anonymous Coward · · Score: 0

    a) if a clean environment isn't important enough for rich people and the working class to protect, it isn't worth saving.

    b) if all businesses are required not to pollute then businesses will move overseas to free market nations like China that allow them to pollute and keep their overhead costs low.

    ergo,

    c) what is a pristine environment worth if you don't have a job?

  117. Re:Who really telling the truth by Paul+Bristow · · Score: 1

    Until they started to climb a hill, in which then his kids would pass him.

    What a crock of shit. I crossed the Alps this summer in my 2005 Prius. Do they count as a hill?

    --
    - Paul
  118. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    1. because it was a freaking neon. those things are trash heaps on wheels. to analogise, a tank weighs more than a bicycle, but the bicycle will certainly sustain more damage coliding with a pole; granted, the bicycle costs several hundreds of thousands of dollars less than aforementioned tank. there's nothing shaky with the physics, it's just a crap car.

    2. off-topic, but not only is driving 50km/h over the posted limit on an icy curve a rediculously stupid thing to do, but both of those asshats could have killed someone else driving like that. they should take down the pole and put in a giant fire pit.

  119. Re:Who really telling the truth by twistedsymphony · · Score: 1

    Those of you who complain about SUVs and "Gass guzzlers" seem to forget that not every one lives in California. I live in NH and without my 4x4 there'd be a slim chance of getting to work or the grocery store safely or at all during the thick of the winter months. I used to own a Subaru as the best middle ground I could find between winter worthyness and eco-friendlyness but AWD does little good when it's got next to nothing for ground clearance. Now I drive a small-ish Toyota Pickup, not because I WANT to (believe me I'd much rather have my Subaru) but because where I live I'd loose my job or possibly my life without a rugged winter vehicle.

    Becides working in IT if I got a call late one night that something had gone down and I need to come in to restart it I'd probably loose my job with the excuse that It will have to wait till the following day when the next plow truck is scheduled to hit my road so I can get out of my driveway. In-fact that was what prompted me to trade the suby in for the pickup there were a few nights the snow was just too high for my car to plow though and my employer was getting aggrivated with my lack of reliabiliy in such situations.

    Now if I had a family I'd absolutly be using an SUV over some front wheel drive minivan or station wagon, even AWD models arn't that great because of ground clearance issues. They DO have a point and purpose... I'm not saying ALL SUV drivers do but some of us live in areas where we don't have much of a choice. Just because some schmuch decided they look cool with big chrome wheels doesn't mean the reast of us are driving them for the same reason.

  120. Re:Who really telling the truth by Roody+Blashes · · Score: 1

    Because you basically just compared the single most durable SUV frame on the market against one of the least durable compact frames. Jeep has, by far, the strongest unibody steel frame available, and Dodge Neons are practically wheels wrapped in aluminum foil.

    Note that in a well-built machine the engine will not come into the cabin at all, save for a truly ferocious head-on collision. The frame of the car, in such a heavy impact, should partially crumple in on itself to dissipate some of the shock. A BMW 3 series probably could have hit the same thing at the same speed and not had the engine do anything more than possibly break off the mounts and fall out the bottom of the bay.

    --
    If you haven't foed me yet, what are you waiting for?
  121. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    Which was discussed in TFA -- the author actually did it with his own car.

  122. Re:Who really telling the truth by ElleyKitten · · Score: 1
    Almost nobody in the U.S., especially in metro areas, can rationally justify an SUV purchase.
    Oh come on. I'll admit that many people probably didn't buy one for good reasons, but you can't say that almost nobody did.

    My husband and I have a Honda Element, and it's wonderful. It get better gas mileage than the non-SUV vehicle it replaced (Ford F150) and it's more practical. Right now, it has our bikes in the back, so we can stop in the metroparks after work for some biking. When he goes and fixes cars on the weekends, he can fit all his tools in the Element (what he had orginally bought the Ford to do). Then, when it's full of grease from his tools and mud from our bikes, we can just hose it out because the interior is waterproof, and then we can fold back down the seats so our friends can fit in it. As much as I love my Camry, there's just many things we can do with the Element that another car can't do.

    Now, the Element is different from most SUVs, and my husband and I are probably different from most SUV owners, but that just shows you can't put all SUV owners in one box.
    --
    "What is Internet Explorer 7? Are you saying we can't access the normal internet?" - I love tech support. Really.
  123. Re:Who really telling the truth by guisar · · Score: 1

    Dodge Neon (note the side impact rating): http://www.iihs.org/ratings/ratingsbyseries.aspx?i d=382

    POOR! In fact, it's death rates are 2-4x worse than say a VW Golf or a Honda CVCC which are about the same size. Cherokees, as it happens, are relatively well-built with about the same fatality rates as the Golf and CVCC. If you research the issue, you'll see the truth in what I've said above, the overall death rates in single car accidents for SUVs and pickups are generally higher than well-built smaller cars. 32 deaths / million for a Cherokee vice 16/million for a Golf. I can't say if this is because of the physics, poor car design, because SUV drivers don't wear seatbelts or maybe they drive faster. That said, I drive a VW bus which is safer in the sense that it has trouble going faster than 50mph to begin with:)

  124. Hail and hammers by obtuse · · Score: 1

    Long ago I heard from a vintage car restorer in the midwest that Rolls-Royces suffer a disproportionate amount of hail damage. Why would a Rolls be more likely to be damaged by hail? A ball-peen hammer is cheaper than payments on a Rolls.

    I don't mean to imply that the guy in the article was a criminal. I don't have enough info to judge, although I do wonder that the car was recovered at all, since it seem that people professional enough to defeat these systems would have the car disposed of before it was reported stolen.

    p.s.
    Not directed at the parent, but to a larger group: What is more revolting than SUVs? Mocking people for the car they drive. Congratulations! You have picked the single most pointless social protest possible. Thanks for nothing. If you want to feel better, do something besides masturbating and hooting.

    You were a funny monkey at first. Now we're just grossed out and tired of the noise.

    --
    Assembly is the reverse of disassembly.
  125. Re:Who really telling the truth by blueskies · · Score: 1

    Uh, yeah, we definitly need more people trying to back up and manuever with trailers. Trailers are so easy to work with. And it's really easy to park trailers when you have on-street parking. But other then that you are a genius.

    Why wouldn't people take into consideration their dogs when buying a car? Are you trying to be stupid? Wouldn't you call them stupid when you see them driving in a little car with 2 large dogs barely fitting?

  126. Re:Who really telling the truth by Anonymous Coward · · Score: 0

    Did you do it while towing a boat?

  127. Re:Who really telling the truth by BeBoxer · · Score: 1

    You can be as flippant as you like, but the rate at which America consumes energy is a problem. One which is largely ignored by us, but that doesn't make it any less real. We could try and address it (a path which requires us to recognize and yes, criticize, our over-consumption) or we can ignore it until mother nature forces us to deal with it. But hey, why try and plan for the future? Let's just keep this party going! Jumping off a cliff doesn't hurt at all. In fact, it's quite a rush. But the rapid deceleration at the end is pretty painful.

    Come on we can critize anything.

    Which does not make all criticism equal.

  128. Re:Who really telling the truth by Roody+Blashes · · Score: 1

    An Element/CR-V is an SUV in name only and has very few of the attributes that are traditionally associated with what is normally known as an SUV. All it is, in reality, is a funny looking Civic with a chassis that's been slightly modified so it better suits the higher, unibody frame.

    --
    If you haven't foed me yet, what are you waiting for?
  129. Re:Who really telling the truth by Roody+Blashes · · Score: 1
    Uh, yeah, we definitly need more people trying to back up and manuever with trailers. Trailers are so easy to work with. And it's really easy to park trailers when you have on-street parking. But other then that you are a genius.

    Soooo.... people drive SUVs because they're too stupid to learn how a trailer behaves? Can't argue with you there, we're in total agreement: people drive SUVs because they're idiots.

    Wouldn't you call them stupid when you see them driving in a little car with 2 large dogs barely fitting?

    No, I'd call them stupid for taking two large dogs everwhere.
    --
    If you haven't foed me yet, what are you waiting for?
  130. Re:Repeat after me: RFID was NOT MEANT FOR SECURIT by jonpry_oneword · · Score: 0

    You sir are confused. Although the article mension RFID it does not mention the variation of the protocol used. In this instance the keys are not naive keys that can only send identifiers, but also have a small processor capable of encryption. *In Case* you are misinformed, the purpose of encryption is to allow an on looker to have complete access to a conversation and still have no idea of its real content. It works like this: 1. Car sends a randomly generated number. 2. Driver's key hears this and runs an algorithm (sequence of shifts, loops, and other transpositions) defined a an encryption key (K) and returns the result. 3. Since the key (K) was negotiated at the factory, only the ECU and the drivers physical key contain it, and thus they are the only 2 devices which know what the response should be.

    Since the random number is different everytime, it is *almost* impossible to know what is going on by listening in to the conversation. At least it is as impossible as breaking RSA-256 encryption. Broadcasting has nothing to do with how secure it is.

  131. Re:Who really telling the truth by vertinox · · Score: 1

    you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows?

    Hrm.... So let me get this straight.

    So not only do we have a guy who drives an SUV, but has no concept of overpopulation's strain on Earth's resources, nor thinks twice about the fact his vacation habits encourage the destruction of waterfront habbitation?

    I jest! I jest! ;)

    But seriously, no one has to have an SUV. If you have a large family get a mini-van and spend the extra money you save on gas on your kids school supplies or food.

    If you have a boat... That's what a pickup truck is for.

    But to tell you the truth, most SUV's I see aren't filled with kids nor towing large trailers or boats. Its the office jockey types who have never been offroad their entire life.

    --
    "I am the king of the Romans, and am superior to rules of grammar!"
    -Sigismund, Holy Roman Emperor (1368-1437)
  132. Blackbox by draco_00 · · Score: 1

    What data was on the blackbox I'm curious speed data excetra....

    1. Re:Blackbox by Shadyman · · Score: 1

      The blackbox only records T-minus 30 seconds, up to an accident where the airbags deploy. The last 30 seconds won't tell you much in this case.

  133. How To Avoid Fighting Insurance Companies by miataninja · · Score: 1

    So the best thing you can do to avoid fights with your insurance company is either to have the transponder removed or disabled and to have it documented, or just not buy cars with that kind of anti-theft protection.

    1. Re:How To Avoid Fighting Insurance Companies by miataninja · · Score: 1

      Oh yeah, I forgot the punchline: ...and get your car stolen by any of the small-time crook / crackhead who doesn't have access to the high-tech methods, using the old-fashioned screwdriver-in-the-ignition method.

  134. Re:Who really telling the truth by zogger · · Score: 1

    It's a tradeoff on the family station wagon concept on whether or not you need the 4wd or not. You may only need it a dozen times a year, but when ya need it, you usually really *need* it. Most SUVs have at least a dealer option for 4wd so you can choose it, but few full size vans do (do any now?? I don't know...) Anyway, by next year, there will be a plethora of either electric and gasoline hybrids or straight diesel SUVs out there that get "good enough" mileage (for what they do). The market is reacting, just slowly. Me, I'd like a plug in hybrid, diesel for the fuel engine part, normal 4wd pickup, one ton size, with the ability to act as a stationary stand alone emergency generator. That isn't on the market yet, but when it gets there...I'll wait for the rich guys to buy them new then get one several years old, about the same as I do with any vehicle.

    rats, I just realised it will be at least another decade before I get my practical ride :( Fuel'll be 20 clams a gallon with a ration card and RFID/GPS tracker chips charging you dollars per mile on taxes... double :( :(

    good news is, I should have my horse by then ;). I should start building my conestoga RV wagon now I guess...

  135. Re:Who really telling the truth by Anonymous Coward · · Score: 0
    you neglect to account for the possible neccesity of such a vehicle, perhaps this many has a large family and a boat which he frequently tows? Oh, but then you'd have to get off your high horse ;)


    Because after all it is our God-given right to reproduce mindlessly and waste all sorts of resources for sport. DUH!
    Even most contractors don't actually "need" such a vehicle, it's just boys eager to play with full-size Tonka toys which keeps that nonsense going.

    High horse, indeed! Get off it, dufus.
  136. Re:Who really telling the truth by kabocox · · Score: 1

    http://www.monolithic.com/. I couldn't afford to build a home though and bought a home that is 25-30 years old. I'm using more energy heating/cooling my home than I should be. Heck, I felt that I was doing good to finally afford to replace all my light builbs to the compact 13 watt bulbs. It's not much, but that's what I can personally afford. Heck, I can't even afford a new car. Part of me is mixed and thinks that the government should buy/recycle all cars after the car is 5-8 years old. Just so we'd be forced into buying newer cleaner energy efficient cars.

  137. Re:Who really telling the truth by Xemu · · Score: 1

    You don't think the issue here is RFID spoofing, perhaps?

    It's very interesting that you say that, considering that the insurance company, Unitrin, is one of the largest owners of Intermec, Inc... and Intermec is considered the 200 lbs gorilla of the RFID business...

    --
    Tell your friends about xenu.net
  138. I believe it. by chaboud · · Score: 1

    I had my Integra Type R stolen out of my driveway while I was gone for the night. It was found two days later (minus the engine, suspension, brakes, and interior). The person from State Farm handling the claim clearly thought that I was somehow involved in the vehicle's disapearance, and it took more than two months for me to get a check (while I was still making payments on the car). It turns out that my rental coverage stopped after one month, leaving me soaking the expense while the guy from State Farm drooled on himself.

    The steering-wheel lock had been forced, but that wasn't enough. They had to be sure that I wasn't involved before they'd pay me for the car. The immobilizer functions are either tied to the ECU or inline on the way to the ECU. The guys at Sport Compact Car know more about this, and have said that it is laughably easy to just pop in and take the car. For those who want to take a look, I think the ECU is under the passenger-side floorboard.

    A neighbor of mine (who also had a yellow Type R) had his car stolen from a mall parking lot while security guards watched. They later told him that the thieves drove up, slim-jimmed the door to get in, popped in an ECU, and drove off in under two minutes.

    It's worth noting that I'm normally quite happy with State Farm. I totalled a car on my own, and my wife was driving when we got hit by an uninsured (and drunk, and high, and without a license, and with a warrant out for his arrest, with a cop watching... Seriously, not a joke...) driver, totalling her car. In each case, things were handled quickly, without issue. It likely comes down to the individual handling your claim.

    1. Re:I believe it. by Zheng+Yi+Quan · · Score: 1

      '94-'00 Integras are incredibly easy to steal, which I learned the hard way, watching it drive away as I walked home. The insurance agent (who did not try to deny my claim) rattled off a half-dozen ways to get into the car that he knew of. I eventually got it back mostly intact, five weeks later, which I think pretty much used up all my luck for the century. The car now has a new alarm with open-circuit ignition kill, concealed fuel pump kill switch, and an autolock (club that goes under the clutch). Pain in the ass, but not as bad as having your car ripped off.

  139. Re:Who really telling the truth by BreadMan · · Score: 1

    A lot of folks tend to overspend on thier cars and go way into debt. I know folks who did not plan and purchased expensive, big cars\SUVs (40K+), financing nearly all of the purchase price + tax (0% interest is a great deal, right...) or getting into lease. These people now have cars they cannot sell (in today's market, used SUVs are very cheap) because the loan balance, or lease buyout, is far above the market value but cannot drive much, because they can't afford the fuel costs. When people are faced with a $600 car payment and a $600 fuel bill, insurance fraud becomes an option, a way out.

    You sound like somebody who has his head screwed on right and wouldn't make the aformentioned mistakes, but you're in the minority when it comes to the American car-buying population. I understand if somebody needs a big car for thier lifestyle or just wants one, but I can't understand going into the level of debt some people have for transportation.

    Our family drives small cars (even with three kids, you don't need a minivan/SUV!) and fuel costs are starting to become annoying: I fill our my corolla and it costs $35; I can't imagine the costs for a huge SUV.

  140. Does this mean the prosecutors have no case by grapeape · · Score: 1

    If the insurance denies the claim on the basis of all the keys being accounted for, then does the car thief get plausable deniability based on the same?

  141. Re:Who really telling the truth by blueskies · · Score: 1

    HA.

    Isn't that why people use Vi or Emacs? they are too stupid to use ed to edit their code? And I can't get over the number of people that are too stupid to write their own compiler--some people actually use gcc to compile their code.

    Idiots!

  142. Nothing new..... by Anonymous Coward · · Score: 0

    Any security person worth their mettle know any system can be overcome given time or worth.
    In the 1980's they had satellite technology to track vehicles so the local police department placed one in a SUV. They left it where there was many vehicle where stolen so that night the SUV was stolen but there was no signal from the SUV. One week later the signal appears in Baja California and SUV in pieces. It appears that the thieves put the SUV in shipping container, like one of those big thing they put on ships, and signal can't get though metal.
    In short if they really want it there is no way to stop them with passive technology.

  143. almost by novus+ordo · · Score: 1

    1000^4 / 2000^4 = (1/2)^4 = 1:16

    --
    "You're everywhere. You're omnivorous."
  144. Well, if these vehicles are truly un-stealable... by clarkcox3 · · Score: 1

    ... then the insurance should be free.

    --
    There are no tiger attacks in my area and it's all because this rock I'm holding keeps the tigers away.
  145. RFIDAnalysis.org Watch them start the vehicle by brufar · · Score: 1

    There's some nice videos online of a couple guys starting a vehigle that uses RFID security system.. I think they were made over a YEAR ago..

    SO apparently this Research that has been documented and filmed is meaningless to the insurance company ehh ? It looks like this research was done by some Johns Hopkins University students in cooperation with RSA in January of 2005.. I'd say the vehicle owner should present some more evidence to the inurance company and get his claims check..

    http://rfidanalysis.org/

    This site is worth taking a look at..

    --
    far...out
  146. Never mind by magetoo · · Score: 1

    Unless you meant "if they can't find any evidence the car was broken into/hotwired", of course. And that's probably what you meant, so sorry about the noise.

  147. Re:Well, if these vehicles are truly un-stealable. by /dev/trash · · Score: 1

    uh. What about collison?

  148. Re:Who really telling the truth by Damvan · · Score: 1

    Just remember to lift your feet in event of a front end collision! Got a '71 myself...

  149. real quickly here... by hyperstation · · Score: 0, Troll

    - haha, your big ass SUV was stolen. the target parking lot was slightly safer that day.
    - auto insurance is a scam to begin with, mandated by gov't.
    - goto 10

  150. Well... by JMZero · · Score: 1
    In either case, insurance is there to reduce risk and potential losses . . . and to keep you out of court


    Well... that's a lot better - but the end part (which is all that was in the original definition) still feels a bit tacked on. Insurance and litigation are only tangentially related. There's plenty of other sides of insurance where there's no party at fault. If a meteor falls on your car, who are you keeping out of court? You and God?

    Like you say at the beginning, insurance is about distributing the burden of risk.

    --
    Let's not stir that bag of worms...
  151. It's a balance by blueZ3 · · Score: 1

    Sure insurance companies do their best not to pay on claims when they can. This is, unfortunately, part of our current uncivil society. For every legitimate claim made against them, there is problably more than one frivolous claim. If you could count on all your customers being honest, this wouldn't be an issue. As a provider of insurance, they have to find the middle ground between two options: pay out on every claim and have premiums that reflect this (read: ridiculously high) or make it impossible to claim and have everyone leave for another insurer.

    Those who go with "Fly-by-night Inc" get low rates and a high bar to claims. When I had a big national insurer, I had high premiums but the claims process was never an issue: the customer service was pretty darn good.

    Of course, for those interested in a better model, I'd suggest AAA. My wife and I have AAA's auto and home insurance and this month we recieved a "dividend" check of $60. That's the difference between what we paid into the system and what AAA paid out in claims. Our insurance cost is significantly less than what it was with our last insurer, and the claims process is reasonable.

    --
    Interested in a Flash-based MAME front end? Visit mame.danzbb.com
  152. Beck's BMWS... by Anonymous Coward · · Score: 0

    It has been widely reported that David Beckham has had two BMW X5 vehicles stolen by professional thieves. Basically, they reached under the bonnet and plugged a laptop into the computer service interface port and told the computer to unlock the car. That's probably the same way they stole the vehicle in the OP story too.
    As the technolgy gets better the thieves learn to circumvent it.

  153. My Car: by temojen · · Score: 1

    The immobilizer cuts off the starter circuit. It has a manual transmission, and hence can be push-started easily anyways. Thanks, BCAA, real useful.

  154. ObMP by illuminatedwax · · Score: 1

    I'm sorry sir, you see, your policy clearly states that any claim made by you will not be paid by us.

    How's the naked lady?

    --
    Did you ever notice that *nix doesn't even cover Linux?
  155. RFID locking systems are stupid by b0s0z0ku · · Score: 1
    Keying the car to a mag-stripe card with a backup code entry keypad would be much more secure. Even allow the owner to change the card/keypad code at will. Maybe even have *different* codes for different drivers - the kids' code could limit HP to 50% of max... And if you lose a mag. card, making a new one with the same code takes 5 seconds and costs 50 cents... A USB token type key would be another perfectly viable option, though the contacts might wear out. An optical link with the device powered by a small solar cell feeding off a bright light in the keyslot is a third option. No light because the key's in a pocket or purse? No data transmission.

    -b.

  156. Add your own tech by Anonymous Coward · · Score: 0

    I equipped my Audi A4 with a hidden GPS transmitter, as well as a hidden camera hooked to a hidden Blackberry, that transmits a video feed of the driver's face to my own Blackberry.
    Just kidding... but I thought it would be a fun thing to set up.

  157. Re:Who really telling the truth by the+eric+conspiracy · · Score: 1

    I decided a long time ago if I need a large vehicle on an infrequent basis it is way more sensible to rent one when I need it so I don't have to drive an extra 2000 ponds of metal around on the way to work, etc.

  158. Cars? Think safes... by bagofbeans · · Score: 1

    If you think cars are bad, read ahref=http://www.crypto.com/papers/safelocks.pdfre l=url2html-5078http://www.crypto.com/papers/safelo cks.pdf> for article entitled Safecracking for the computer scientist. The scary bit is that the highest UL rating for a mechanical safe lock delays the intruder by an hour!

  159. Not all insurance companies are created equally by n0w0rries · · Score: 0

    It just goes to show you, that if you shop around for the cheapest insurance you can get--don't be shocked when you go to file a claim and run into this kinda BS. Stick with one of the major players, and you're less likely to run into these problems.

  160. Re:Repeat after me: RFID was NOT MEANT FOR SECURIT by foreverdisillusioned · · Score: 1

    In that case, they are using active RFID and my rant is misplaced. However, since they already have contacts on the key for power (since we're talking about the ignition key here and not a wireless keyfob, it's obviously tapping into the car's power), I don't see why they couldn't include a contact for challenge/response and thus avoid all this nonsense of broadcasting. True, this system should be secure (if what you say is true), but the implementation could be broken--e.g. the random number generator isn't random at all--and this would lead to the possibility of cracking the code from a considerable distance using a parabolic antenna. A lot of effort, yes, but it could be worth it if your targets are $40k+ luxury cars and you want to cause as little damage as possible and/or make your getaway as quickly as possible.

    There ARE many examples of passive RFID locks (the house door lock and the implanted server room lock I mentioned were both passive RFID), so I just assumed this was one of them. But even if it is not, I still maintain that it is an example of pointless RFID broadcasting when a direct data transfer would make much more sense. If they can make contacts for the power, they can make contacts for the data tranfer.

  161. Re:Who really telling the truth by Roody+Blashes · · Score: 0, Flamebait

    If you think the learning curve for handling a trailer and hitch is that steep, you might consider looking into social help programs for people with your condition. It's really not that complicated. Not intuitive, of course, but I've seen some pretty stupid people learn how they behave after only a couple of attempts.

    --
    If you haven't foed me yet, what are you waiting for?
  162. Re: 'oh-my-god-stats-can-kill' dept. SA's theft st by toddestan · · Score: 1

    I would assume they must mean getting into the car, and getting it started. Unless those 26 "couldn't get into" cars had bulletproof glass, I would assume even the crudest of theives could break a window to gain entry.

  163. Re:Who really telling the truth by toddestan · · Score: 1

    What does a typical family vehicle need 4WD for? I live in Minnesota, and in winter driving a FWD/AWD sedan/wagon/van will do just as good of a job if not better than the 4WD SUV - especially in the hands of a typical driver. All that 4WD does for most people is get them into more trouble than it gets them out of.

  164. Logic lost by lastberserker · · Score: 1
    It's this reason that they are allowed to do things like charge me more when someone else hits my parked, empty car. Suddenly I become more of a risk because someone else runs into my parked car? That's not a law of averages, that's manipulation of the system.

    See, you proved that you are, statistically speaking, prefer parking car in places where it is more likely to be hit. So they charge you more. There are no many clear indications to place a person in a particular risk group (age, sex, place of living?), they have to be inventive and use indicators such as tickets and accidents, even those which may not be directly your fault.

    Disclaimer: I don't work for insurance company, and I don't like them either.

    --
    My other Beowulf cluster is... er...
  165. Credit hits by colk99 · · Score: 1

    Also if you wish to get a quote make sure you buy at least one policy your credit is affected by insurance quotes as well

    1. Re:Credit hits by DM9290 · · Score: 1

      according to equifax, multiple credit checks in a short period of time are generally considered rate shopping and counted as a single hit by their algorithm.
      A smart person shops for the best rate rather than accepting the very first rate offered. Thus multiple hits like this are a sign of credit worthiness (people who care enough to shop around are more likely to take responsibility for their debts and pay them).

      Moreoever according to equifax, the impact of a credit check on your credit rating is very small and should not deter you from applying for credit. It is not the credit reporting agencies mandate to try to make everyone look like they are unreliable. They are trying to report a meaningful number that accurately reflects your reliability in repaying debts.

      I imagine when a person is reported as LATE on making a payment and they are getting more credit checks that this would reflect poorly. A person should not be late, and a person who is late who then seeks more credit is obviously losing control of their debt. whereas if a person is merely late but not shopping for more credit may be having problems of some kind, but at least they are resisting the temptation to simply borrow more (and thus shows a higher degree of reliability).

      The best of course is to never be late. And if you are late repay as fast as possible, or make arrangements with your creditor to give you an extension and not report you and 60 days, 90 days (etc) late.

      with that said... BUYING a policy doesn't improve your credit rating. only borrowing and repaying loans does.

      --
      No one has a right to their *own* opinion. They have a right to the TRUTH.
  166. I just added you to my Friends list. by DietPepsiAddict · · Score: 1

    If there were any REAL way to drive without insurance, I would've done it from the very begining.
    (And no, a $10K bond with the DMV is NOT a viable option.)

    When my alarm-equipped car, parked on private property, behind a locked fence, surrounded by security motion-triggered flood lights, isn't (in the InsCo's opinion) parked in a "secure enough" location.
    And given that there were SEVEN acts of vandalism / attempted theft in a year, with nothing resulting from the police except a shrug, and my InsCo raising my rates through the freakin roof, my faith in the police & my InsCo very, VERY quickly plummets into the toilet.

    And my neighbors now wonder why there's a pistol sillouhette in the rear window with a caption:
    "If you're close enough to read this, you're close enough to die."

    Sorry for the rant, but you hit a VERY sore nerve. =J

  167. similar cases in Finland by Skal+Tura · · Score: 1

    Last summer a BMW Z3 was stolen, which was parked next to our congress house (got the right word?), owner was away for less than 10minutes.
    There's proof that the Z3 alarms were disabled and then taken onto a trailer, car was never found.

      - Insurance company refused all claims because:
        * This car is one of those "you cannot steal"
        * Car was never found
      - Insurance company neglected all the evidence that it is possible to steal cars such as BMW Z3

    Owner complained about it and there was much of debate over it, i'm not sure what happened in the end.

    Teaching of the story:
      - Never buy newer than 15years old car
      - Never have a car alarm if you wish to get something in case of robbery

    In other words, they totally neglect the fact that nothing is burglar proof, you can even steal congress house if you have enough resources and enough information & knowledge.

    Oh yeah, i drive a over 20years old Toyota, for which they refuse to give theft insurance because supposedly these cars are too easy to steal. Nevermind the color of my car which works as anti-theft insurance: it's Pink, it's one of the few cars on it's color & looks, you steal it, cops will DEFINATELY find the car if it's on open sight. (I know, color has nothing to do with possibility of giving a theft insurance, it's my own anti-theft measure)

    Fortunately, thieves doesn't know that also because of the color, cops never stop you, even the car type & looks are otherwise that you would think cops would stop you and inspect it at every 2nd block. ;) I've seen cops just smiling at my direction when driving it, and probably not even checking anything. I've had it for almost 6 months now, and driven nearly 10,000km with it, and i haven't been stopped even once, even if i've been driving they way that could possibly endanger others. (Drifting, no grip on rear and going sideways at higher speeds.)

  168. Re:Who really telling the truth by Phreakiture · · Score: 1

    For the ideal vehicle, I think I agree with you on all aspects except for the form factor of the vehicle. Until about two years ago, I drove a Subaru Impreza, which did a marvelous job for my household of two. Unfortunately, it got terminated when an out-of-control SUV slammed into it on icy roads at highway speed. My car was completely under control until the impact knocked it into a ditch.

    Give me an all-wheel-drive diesel plug-in hybrid sportwagon like my Impreza, and I'll be happy. As for the price of oil, I'll run it on biodiesel, which has a higher energy density than ethanol, and, unlike ethanol, hasn't lost half its energy content to the fermentation process.

    Back to family cars, though, the Impreza isn't a good choice there. A Forrester or Legacy, on the other hand, is good for a family of five, as long as there isn't an obesity problem in the family.

    --
    www.wavefront-av.com
  169. Not fooling THEMSELVES, but... by MacBoy · · Score: 1
    I think these companies are seriously fooling themselves.

    These insurance companies know quite well that they are not fooling themselves. They are fooling the customers/claimants. They are fooling the courts when the claimants try to pursue the money they are owed. They are making fools of a lot of people, but not themselves. But if they are, then they are rich fools.
  170. Re:Who really telling the truth by MindStalker · · Score: 1

    Ok your key was IN your car. Why did the guy have to make you a new key??

  171. Re:Who really telling the truth by blueskies · · Score: 1

    I wouldn't want to impose on a Charity when i can spend money on a SUV and concentrate on the things i'm good at. Besides what would i do with my trailer when there is street cleaning?

    I'm not even certain Boston allows me to park a trailer on the street for extended periods of time. I'm not even sure how i'd hook up to the trailer of it gets parked in by people. You know everything. why don't you explain it to me?

  172. Ignoring the obvious by sjames · · Score: 1

    The instuance adjuster and most posters here are ignoring the obvious.

    The man never claimed the engine was started, just that the car was gone.

    Suppose the crooks pulled up in their (probably stolen) tow truck, broke the steering and ignition lock so they could put the car in neutral and winch it onto the flatbed, and then took it away.

    Bonus points if the crook who broke the locks was dressed in a suit like he owned the car and the truck's driver wore coveralls like he was hired to help the owner of the 'broken down' vehicle.

    Consider, if you saw a man in a business suit (minus jacket perhaps) pacing impatiently near a car (not yours), then a tow truck pulls up, the man talks to the driver a moment, gets in the car and does stuff you can't see, then the car is winched up and driven away, would you likely report a theft in progress? Would you likely even watch long enough to see all of that happen? If the owner walks up during the pacing part, just take the car next to the one you wanted.

    It's all perfectly plausible (and in fact, known to happen). Sounds like another case of an insurance weasel to me.

  173. Re:Who really telling the truth by c_forq · · Score: 1

    Because I lied to save myself a little embaressment, but I guess that didn't work :P.
    It was actually a work vehicle, and the key wasn't in the car, but most likely somewhere in a one mile stretch of ditch.

    --
    Computers allow humans to make mistakes at the fastest speeds known, with the possible exception of tequila and handguns
  174. D&D by Short+Circuit · · Score: 1

    Uhm, this is offtopic, for sure. But it looks like the only way of contacting you. Besides, it's an old thread :)

    You used to read my journal, but you haven't posted to it in a couple years. Would you please read this entry?