If You Are Car-Jacked
 

Does the Insurance pay out if you meekly hand over your keys - or do you have to put up some form of fight (so that it is classed as Aggravated Theft)?

They don't compare vital statistics with a view to raising doubts as to whether the other person was sufficiently threatening to induce panic of a magnitude that you would be justified in handing over your keys without a fight lest you got a pasting, Pete :)

"In the blue corner, hailing from Pikey Ville, weighing at 250 Stellas!!!" :lol1:

My advice: if you're in the car and in a position to:

Run em over: better they are under the car than in it!!!

So, do they pay-out or not?

Yes, but only in smarties unless you at least get one clean punch in!!:lol1:

They'd prefer you not to fight; car claims tend to be less expensive than claims involving damage to humans!

Did someone steal your Zimmer, Pete?? ;)


Ns04

Whats he banned for this time?:Whatever_

No they don't, you must fight until death to protect your car. :rolleyes:

Have you been car jacked then :confused:

Some years ago one of my younger sisters was driving through our local town center late one saturday night when a group of boys tried to make her stop her car (presumably for a lift) she panicked and floored it, knocking one of the lads clean in the air breaking his leg.

She drove straight to the police station to report what she had done and in short got off with it with not so much as a telling off.

The coppers involved were completely sympthatic and said next time the lads might think twice before forcibly trying to stop someone in their car.

The car jackers cant be that aggressive if they allowed you to post on here before you hand over your keys... I think you can take em pete :)

Joke over... everything ok though? why do you ask?

AFAIK they will pay out as its classed as aggravated vehicle taking, but I'm sure I read somewhere that some insurers weren't paying out when the keys get 'fished' through your letterbox.

Joking aside: your inurance cmpany will require that you take reasonable steps to safeguard your car. i.e. not leaving it unlocked, keeping your keys in a safe place etc... and not be neglegent i.e. leaving the car running when you're not in it! They may refuse to pay out if you don't adhere to these requirements

They will not and could not every require you to take reasonable steps to protect your keys when they are demanded with menaces.

Aside from being highly dubious from a legal, moral and financial perspective, it would also be almost impossible to enforce!

Ns04

Was lookin' at ma bird funny!!! :mad: ;) :D

Ns04

Someone asks for your keys. 2 second assesment then chin-em. Ask questions later.

If it was harmless fun, they learnt a lesson. If not, you've escaped/caught them.

If giving 'em what for is not an option. Hand over keys, smile, watch them drive off, then come to a stop. Wish a noisy xmas tree on the road. Bless Blackjaxx!! You get them/away, they get a (short) drive in a Subaru. :lol1: Everyone's a winner!


Honestly though, how can the insurance co. assess what is acceptable? If you were threatened, that should be enough?!?! Just forward them to links like the one of the dude in/around B'ham with the screwdriver. Awful that one.

excellent story :D

A- Plan didn't even go there, when the Mrs was car jacked. Good job an'all.:mad:
Mind you I didnt claim anyway, Blackjax and £500 excess:eek: .

Lee