A few years ago, a social media trend showed how certain Kia and Hyundai models could be stolen in minutes, and thefts spiked in cities across the country, including the Toledo area. Many affected vehicles lacked an engine immobilizer, a common anti-theft feature. The automakers have since rolled out fixes, but questions remain.

Is Your Vehicle One of the Affected Models?

The vehicles most often targeted were many Kia models from roughly 2011 through 2021 and many Hyundai models from roughly 2015 through 2021 that use a traditional turn-key ignition. If your car starts with a key rather than a push button, check with a dealer or the manufacturer to see whether it qualifies for the free anti-theft software update.

Your Coverage Questions, Answered

Which coverage pays if my car is stolen?

Comprehensive coverage is the part of an auto policy that typically handles theft. If you carry only liability coverage, your policy generally won’t pay to replace or repair your own stolen car.

What about damage from an attempted theft?

Broken windows, damaged steering columns, and ignition damage from a break-in are commonly handled under comprehensive coverage, subject to your deductible.

Are belongings inside the car covered?

Personal items are usually covered by a homeowners or renters policy rather than auto insurance, subject to that policy’s terms.

Can these models be harder to insure?

During the peak of the thefts, some insurers temporarily limited new policies on certain affected models in some areas. An independent agent can compare options if you run into restrictions.

Ways to Lower the Risk

• Get the manufacturer’s free anti-theft software update if your vehicle qualifies
• Use a visible steering wheel lock
• Park in a garage or well-lit area when possible
• Keep valuables and key fobs out of the vehicle

Our post on why auto claims get complicated covers more claim tips. Laurie Campos Insurance in Oregon, OH can confirm whether your auto insurance includes comprehensive coverage. Policy terms vary. Drivers across Oregon, OH and the Toledo area can reach out to Laurie Campos Insurance anytime.