my 08 si sedan was stolen sometime last night. i got up this morning for work and my car wasn't in my driveway. good thing i have full coverage. i have couple of questions, please help!!

Q1: will my insurance rate go up? because im going to re buy the same car.
Q2: will i lose alot of money when i receive the insurance check (car only had 8,000 mi)
Q3: i have insurance with AAA, how long into i receive check

Thanks in Advance!!

 

1.yes is depend where you live and in what condition is your car when it got stolen
2. no since your car that new...the insurance wiill go and base on the kbb. from what i know...maybe a little bit less
3.about from within 1 week to 2 months..
i know..my dad got his 07 civic si stolen and then give him 16g for it..and is have about 13,000k

 

damn sorry to hear about that

 

Dam dude Im sorry.

 

wow i didnt know anyone was stealing new civics =( dang i park my sedan in the driveway =/ sorry to hear about your car dude. i know when i totaled my last honda (fit) i had 50,000 miles on it and i had it for a year. my insurance gave me almost what i paid for it.... i heard AAA is very good to their customers. i dont think your rate will go up because i dont believe the car is a *high risk* car. like an integra or older civic. good luck, i hope it all works out for you

 

did the car have an aftermarket alarm on it??

 

why would you install an aftermarket in a new car....that wierd...OEM alarm is much more louder then aftermarket taht what i know

 

people do it.. especially if they want remote start... even with the alarms installed at the dealers arent that great... the factory alarm is fine...

 

I recommended getting GAP insurance (got mine from my dealer) for your next car. If the car is deemed a total loss (from either a crash or being stolen) the GAP insurance covers the difference (if there is any) between the amount the insurance company pays you and the amount you owe on the car. Thus, you don't have to pay off a car that you don't have anymore.

 

There has been a couple break-ins in my hood, but no thefts have been reported by the 6th gen crew I roll with. I have a cop one house over and another 2 houses down who leave their cars on the street. That helps I think.

Theft will only become more popular as our cars get older, its inevitable.

 

macomb huh? im from auburn hills...i dont understand how people can steal these newer cars...is there not a passlock or something to hinder theft or at least some kind of alarm? definately not a low jack theif...even still if you have the ability to steal it why steal a civic?

 

cuz parts from civics are wanted... especially if its an si... k20 of course

 

I'm interested in how they stole it, seeing as it has an immobilizer system. Have you misplaced any keys lately? Only other quick option for the thieves would be to tow it, do you live on a hill? They may have rolled it out of your drive way to a truck.

Whatever the case is, its unfortunate that it happened.

 

like i said.. if it has an aftermarket alarm im pretty sure the immobilizer is disablied

 

I don't believe that any aftermarket alarm system would "disable" the immobilizer system. In a vehicle with an immobilizer system, the pcm needs to verify the encrypted code stored within the programmed key is correct before it turns on the fuel pump.

That's a huge liability issue if an aftermarket alarm disabled the immobilizer system, i would think that you would have a case against the maker of the alarm system or the installer if that was the case.

 

or its bypassed not disabled... sometime like that..

 

I'm sure that if it does disable the immobilizer, that the aftermarket alarm company has included a clause in their literature that states they are not responsible for the car being stolen due to the lack of an immobilizer.

 

Well, i guess that is true. I'm sure they would have it in writing somewhere. However, this is all just speculation but does anyone for sure know if any aftermarket alarms bypass/disable the immobilizer system?

 

Sorry to hear about the car being stolen.

Just my opinion, but it is 100% useless to put an alarm on a Honda nowadays. Theft is so rampant in them, that most of the time, all you're doing, is letting the theif know they need to learn how to disable it, and to bring a tow truck.

Sucks, but if they want it, they're going to get it...really makes owning these great cars a total pain in the ***. I dont modify mine, so its not like its a big money pit that would be devistating to lose. If it gets stolen one day, ill be pissed, but I guess thats something we have to face as Si owners

 

The OEM alarm is a POS compared to what the aftermarket ones can do.

 

my question is that, how the F do you insurance go up if your car gets stolen?

it was in his driveway for crying out loud. it wasnt like it was parked on the street.

it shouldnt be his fault really.

 

Fact is, they have to pay out a claim on it. Sucks, but I guess thats better than not having it and being out 20k for the car...

 

damn. thats crazy!

how are they gettin the newer cars anyways?

kpro + universal honda key? i can see this being used on kswapped cars with no immobolizers...i just don't get how they take the newer cars unless they tow them.

 

Insurance doesn't go up because it was his fault. It's because it's higher risk.

If you were driving down the road next to another car and you clipped them, who would be the higher risk driver? You.

If you live in the ghetto in an area with high crime rates and I live in an upper class neighborhood with low crime, who would be the higher risk driver? You.

People who's cars are at a higher risk of damage pay more for their insurance.

 

no aftermarket parts. do anybody know roughly how much insurance will go up if i decided to buy the same car?? thx