Is theft by force insured?
I have just been the victim of a car-jacking incident and am not sure where I stand legally?
Most insurers will meet the full cost of a car-jack claim unless the claimant has completely disregarded their 'duty of care' - for example leaving the keys in the ignition of your car while going to pay for your petrol and then confronting the criminal while they are trying to steal your car.
Fortunately, car-jacking is still rare even though there has been some high-profile media reporting of luxury cars being stolen to order, sometimes through car-jacking and threatening behaviour.
If anyone finds themselves in such a situation, it is best to try and avoid conflict and potential injury. If they demand the keys, hand them over. The police and insurers will provide the maximum level of support in such cases.
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|Publication:||Evening Chronicle (Newcastle, England)|
|Date:||Feb 13, 2004|
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