Private Investigator & Private Detective related News

Potential insurance fraud - the issues of leaving your keys in the ignition!

Okay you had just popped into the local shop on the way to work but left your car keys in the ignition and within minutes of returning the car has gone!

Panic stations! how do you explain that one because you will probably be aware that is more than likely that your insurer will no longer pay out if you have left your keys in the ignition - whether it's on your private driveway or the petrol station, or when visiting your news paper store. It's your responsibility -well to act responsible! Don't be tempted into telling what you might think is a little white lie but to the insurers is JUST THE SAME OLD STORY for instance - "I LOCKED THE CAR AND IT WAS GONE WHEN I RETURNED SO THE MUST HAVE HAD A DUPLICATE KEY - IN FACT I STILL HAVE MY KEY TO PROVE IT. I HAVE ONLY EVER HAD ONE KEY FOR AGES AS MY OTHER KEY WAS LOST 12 MONTHS AGO"

Up until recent years the insurers could not really prove otherwise.

However, again with the continuing technological advancement in the motor industry in particular modern vehicle keys have now almost become a small computer.

A lot of keys nowadays are fitted with transponders, which can be programmed with lots of information about a vehicle. Such information as fault codes, coolant temperatures and tyre pressures and even the vehicle's mileage when last serviced are saved into the memory. The date of manufacture and the chassis number may also be inserted into the keys memory base.

Because of this technology it is now very easy to distinguish an often used key from one which you have kept as a spare. Your usual key will show the wear and tear and its battery inside will be fully charge from its constant use in the ignition- better you didn't know that!

In fact in most cases your spare key's battery will die without regular charging from an ignition so when you produce the spare key and try to convince the insurance investigator otherwise, remember the key can be forensically examined to make you out to be a liar. Two things- you will probably lose your claim and could even be prosecuted for attempting to defraud your insurer. You will get a criminal record!

Some car keys can actually record the true mileage and thereby contradict the mileometer reading of one car that has been 'clocked' - i.e. had its true mileage illegally reduced.

THE MORAL IS TO BE VIGILANT AND AWARE OF THE FACT THERE THIEVES ABOUT AND YOUR INSURER IS NOW MORE AND MORE AWARE OF SCAMS THAT ARE ATTEMPTED BY ONE OR TWO INSURED MOTORISTS WHO HAVE BEEN SLOPPY IN SECURING THEIR KEYS AND CAR PROPERLY.