help stolen Maxima
12-03-2003, 08:58 PM
#1
Newbie - Just Registered
Thread Starter
Join Date: Dec 2003
Posts: 12
help stolen Maxima
hi guys.
a couple of weeks ago my 1996 maxima was stolen
so thank god it was insured.....or so i thought.. my insurance company is trying to find anyway they can to not pay the claim due to the fact the car had a factory immoiliser and alarm. (plus the fact that i am only 22 and male doesnt help) now i know that this is info that look a bit suss from my end but i need to know how easily it is to bypass this or if there is a site with info so i can show the insurance company. their attitude is "this car cannot be stolen" and it obviously can be cause mine was. please PM me with info if you have it
taa
a couple of weeks ago my 1996 maxima was stolen
so thank god it was insured.....or so i thought.. my insurance company is trying to find anyway they can to not pay the claim due to the fact the car had a factory immoiliser and alarm. (plus the fact that i am only 22 and male doesnt help) now i know that this is info that look a bit suss from my end but i need to know how easily it is to bypass this or if there is a site with info so i can show the insurance company. their attitude is "this car cannot be stolen" and it obviously can be cause mine was. please PM me with info if you have it taa
12-03-2003, 09:13 PM
#3
Are they on freaking crack?? Any car can be stolen. NO IMOBILLIZER OR ALARM can stop a theif from stealing a car. The car could have been stolen using a tow truck. A good tow truck driver can lift your car and already be down the block in less than a minute. A theif can have your car in less time lol. Alarms in my opinion arent built to keep your car from gettin stolen but to slow a would be theif down.
12-03-2003, 09:47 PM
#5
Originally Posted by polishstorm
well thats what i tried to tell them but they keep saying that it had an immobiliser so i need proof of how it can be done so i can slap it in their face....and no the car hasnt turned up yet
Don't give them any information beacuse you will just be playing their game. I know insurance companies make you go throught a lot of BS, but I mean COME ON.
Sorry...this just makes me mad...
12-03-2003, 09:49 PM
#6
vicodin ... gift of life
Join Date: Apr 2002
Location: norcal
Posts: 5,401
uhh
1996 has immobilizer?? I thought that was 99.5+
And um... the alarm is CRAP. SHouldn't even be taken into account... wasnt' there a post a couple months ago talkin about how insurance don't recognize factory alarms anymore causing insurance rates to go up?
1996 has immobilizer?? I thought that was 99.5+
And um... the alarm is CRAP. SHouldn't even be taken into account... wasnt' there a post a couple months ago talkin about how insurance don't recognize factory alarms anymore causing insurance rates to go up?
12-03-2003, 09:57 PM
#8
Dude tell them to go F off. the reason you pay for full coverage is for that added protection and peice of mind. You need to let them know that. You pay that extra 1000 or even more so that they dont break your *****. I'm tellin you man any car can be stolen without it being started. An imobilzer only keeps the car from getin started.
12-04-2003, 12:06 AM
#9
Member
Join Date: Nov 2003
Posts: 74
Originally Posted by Ramses718
Dude tell them to go F off. the reason you pay for full coverage is for that added protection and peice of mind. You need to let them know that. You pay that extra 1000 or even more so that they dont break your *****. I'm tellin you man any car can be stolen without it being started. An imobilzer only keeps the car from getin started.
I got a better idea. Sue them.
12-04-2003, 04:32 AM
#11
I think they are bluffing, but when my 97 was stolen they were giveing me grief sayin they shouldnt have to fix anything missing cause the car is still driveable, i was so****ed inthe end i chumped them and didnt even want the car so i got money. But hopefully it turns out good for you to.
12-04-2003, 07:56 AM
#13
Donating Maxima.org Member
Join Date: Nov 2003
Posts: 123
Like this was staed earlier, I think only the 99.5's have the actual chip in the key. With this, while the car will not be able to start without the key, it doesnt mean that the car wasnt towed. The alarm itself doesnt do much especially if no one is around to notice it. Punks tried to steal my car a couple of times already, all they could do was mess up the ignition...but my car was still there...(i have a 99).
But, in your case, they could have wired it up.
But, in your case, they could have wired it up.
12-04-2003, 09:58 AM
#14
Just threaten them with a lawyer. Checkout yo levels of stolen car policy. If you read in fine lines they might find a way to not cover you. show the police report to them shove it up their AZZZ if they don't comply.
12-05-2003, 06:42 PM
#16
Senior Member
Join Date: Oct 2003
Location: Huntsville, Alabama
Posts: 424
...What if u just happened to forget to lock your car and thus not turn the alarm on? Your car was stolen. Insurance is supposed to make it all better. So, the fact that it had anti-thief wear should be irrelevant. Is there a rule in insurance that your car has to be locked in order to get coverage? ( The fact that the car had an alarm would probably be for rate purposes. As in, the probability of it being stolen would be lower with an alarm thus making your rates lower)..I dunno,or is it just me but I just thought that is what insurance is for.....
12-08-2003, 06:16 PM
#18
First of all only 99 maximas and up have an Immoboliser system. So you need to tell them that. IF they arent willing to pay for it then tell them your going to call your lawyer and sew them
My car is a 99 and it has a Immoboliser. All 99's have them. I have a chip in my key too, I had to get it reprogramed once cause it touched a strong magnet!!!
My car is a 99 and it has a Immoboliser. All 99's have them. I have a chip in my key too, I had to get it reprogramed once cause it touched a strong magnet!!!
12-08-2003, 06:23 PM
#19
Donating Maxima.org Member
Join Date: May 2003
Posts: 140
Don't worry. My insurance company tried the same ****. No matter what the car has on it, it can be stolen. They have to pay up. Do what I did, call the dude who is handling your case and ask him for all written documentation in reference to your case bgecause you need them for your lawyer. They will tell you that your lawyer has to put in a written formal request. After I did that with the adjuster and the manager. My check was in the mail in 3 days.
12-08-2003, 06:25 PM
#20
Supporting Maxima.org Member
Join Date: Jul 2003
Location: San Bruno, CA (SF Bay)
Posts: 3,747
Originally Posted by Ni_Nos_Maxima
First of all only 99 maximas and up have an Immoboliser system. So you need to tell them that. IF they arent willing to pay for it then tell them your going to call your lawyer and sew them
12-08-2003, 06:26 PM
#21
Senior Member
Join Date: Nov 2000
Posts: 3,883
Originally Posted by Ramses718
Are they on freaking crack?? Any car can be stolen. NO IMOBILLIZER OR ALARM can stop a theif from stealing a car. The car could have been stolen using a tow truck. A good tow truck driver can lift your car and already be down the block in less than a minute. A theif can have your car in less time lol. Alarms in my opinion arent built to keep your car from gettin stolen but to slow a would be theif down.
What really makes me wonder is when I watched that repo show. They simply lift the back and let the front tires (since most cars are FWD) skip as they drag it away. When they get safely away, then they drop it and lift the front. So much for the tip of parking head in and putting it in gear. Adds up to more damage when they grab and run. TOWING = very shady business. Those dudes routinely cruise around our co. parking lot, many times security catches up with them.
12-08-2003, 06:29 PM
#22
Supporting Maxima.org Member
Join Date: Jul 2003
Location: San Bruno, CA (SF Bay)
Posts: 3,747
did everyone on the org watch that one repo show 
every thread about stolen cars goes back to that. its easy to jack a car if someone professional is doing it...but no offense, why did they want your 96 maxima?
every thread about stolen cars goes back to that. its easy to jack a car if someone professional is doing it...but no offense, why did they want your 96 maxima?
12-08-2003, 06:32 PM
#23
they dont believe a 96 with a stock alarm can be stolen? Immobilizer? maybe a fake a$$ kill switch but no immobilizer. Find someone with a 96 maxima and tell them you want to do an experiment and you'll pay for damages. Simply break driver side window, open car from inside, voila. This is already well known. Anybody still rocking stock alarm is a fool. I hope things work out, that insur company is dumb as hell.
12-08-2003, 09:57 PM
#26
Guest
Posts: n/a
In the USA the police report would be all you need to make a claim. But most insurance companies want to wait at least a month to declare the vehicle a loss. After the month or settling the claim vehicle if found is the property of the insurance company.
12-09-2003, 12:13 AM
#27
Originally Posted by 190hpKiLLA
People this guy Is in Australia and has a 96 I30 which may have a immobolizer. U have to read between the lines.
12-09-2003, 03:10 PM
#29
The whole point of insurance is to protect you (the consumer) in case of accidents and theft. If you have your local law enforcement report simply send or email it to them and get a private attorney. That way you dont have to deal with your company anymore. The private attorney will get you more than you could alone, however he will take a percentage, so it will all work out in the end. Then switch companies. There is a lot of competition out there, so ask questions and become a well informed consumer.
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