Let's Discuss Keys as it Relates to An Insurance Investigation on An Auto Theft Claim

Here are some of the scams applied as it relates to a reported stolen car:

Equipped from the factory with an anti theft transponder system--Scam because this is a flat out lie--These systems were never designed to prevent theft as the name implies.

How does this relate to your claim? Insurance companies are told by their vendor forensic examiners and locksmiths at the free seminars they give to insurance companies, that vehicles so-equipped cannot be stolen. How do they know this for a fact? They don't because none of them have ever had experience repairing theft recovered vehicles to gain perspective as to how to bypass these systems, generate their own keys etc.

In fact, 99% of these "experts" have never even repaired vehicles, much less repairing theft recoveries! Yet, they managed to pile it on in court about their expertise and ad forensic to their title. After all? Who would question that, besides me through a client plaintiff attorney!

The magic of the forensic examiner/locksmith in these claims is truly amazing! Since no one other than myself is capable of exposing the deception, the show goes on. The forensic examiner will state because he does not have the electronic background on transponder systems like me or a thief, that it is virtually impossible to steal a car with a transponder system.

Let's pretend the subject car is a total burn. The forensic examiner will concentrate on the ignition remains and state the ignition lock revealed no signs of picking force or tampering. He will then go on to regurgitate the description and operation of the transponder anti theft system and how a key of the proper type was last used insinuating the insured's key. Can he prove this? Absolutely not, and technically is testifying far past the scope of his field--the ignition.

Is there any manual describing the operation of a transponder anti theft system on a total burn out there? Of course not! So now you have this expert speculating as top if this system was bypassed before the fire as fact, and yet it is assumption on his part. Can he prove as to how many keys were programmed or if the thief made his own electronic key? Absolutely not!

The expert may state that thieves won't by a key programmer for $3,000-$6,000. First, how do they know what that specific thief would do? They don't unless the expert was a party to the theft.

These figures are no longer accurate and programmers have become hundreds instead of thousands of dollars.

Another note, is an electronic key programmer does not makes an electronic key just for the subject vehicle, but  all of the same make. If one were to say use the after market T code, not only could you make electronic keys for one make and model, but hundreds of different vehicles. I will give examples:

of course, this would be with the assumption that a thief would buy a programmer and not steal one. After all, you are speaking of a thief.

The Ford NGS programmer will generate electronic keys for not just one make and model, but all Ford products.

The Chrysler DRB III will make electronic keys in all Chryslers and Jeeps.

The list goes on and on.

As I said, after market programmers available to anyone on the web such as the T code, the Code Seeker and others, can make new electronic keys for many different makes and models. All this in less than a minute. The ignition lock can be totally circumvented, doing no damage to the ignition keyway. The trick is not to brake the antenna mounted in front of the ignition lock.

In other words, in reality, there does not have to be key way damage that these experts testify to.

One might say, well this sounds complicated and time consuming. It is, it takes a screwdriver, possibly a hammer and the programmer, which tells you step by step what to do. This can take upward to 2 minutes or much less! However, the expert is testifying in his report he simply can't prove one way or the other, but it fits his agenda, because insurance company's are focused on only one part of the total picture-the ignition, and the reliance of some guy that holds himself out as an expert on the ignition.

What is a key of the proper type coming from these forensic experts? That means they don't know if it was your first key, second key, someone else's key. In other words, you have a fraud investigation based on deception or fraud against the insured!

Used Cars--

There is a true danger for the insured here. It has been my experience for over 20 years, that used cars are purchased with only one key. Keys get lost at the dealer. On tote the note dealers, the dealer is holding the other key, so if you don't make payments, he can repossess without incident.

Let's look at some examples. A guy buys a used BMW. He gets one key. The question would actually be and the experts  never address it is, where are the other three keys at minimum. Did this used car come from an auction. Did it have no keys and a locksmith at the auction have to  make a key for the questioned stolen car?

2007 BMWs and older came new with 4 keys. The factory holds onto 6 more for the car. If you get only one, there are at least three missing.

All vehicles new come with a minimum of 2 keys and you only received one huh?

However if reported stolen and burned the forensic expert will take out his crystal ball and use it to get the answer as to who drove the vehicle last, and of course it was you!

Forensic Locksmiths-If they are good automotive locksmiths and author a report insinuating the vehicle was last operated with a key of the proper type, why are they not telling the whole truth and nothing but the truth? Because they cannot get the insurance buck by being honest. They conveniently do not expound on simple cloning in 9 seconds if someone unauthorized has the keys. Instead, they will give the retail cost of a transponder key and all the work it would take to generate a transponder key. Do any of these guys have a clue as to how cars are stolen? No! They just look at these reported stolen cars for obvious ignition damage, which may or may not have something to do with the theft. Then they will opine that from a locksmith's point of view as to how they think they would steal a car. No fact, just fiction, in which their reports, the lies from the manufacturer are commonly the corner stone to deny an insurance claim!

I, with my true auto theft/ anti theft knowledge have never found a vehicle made I could not steal. I am a professional car thief that does not steal cars, however I think like a thief and your expert locksmith think like locksmithspretending to be thieves.

Your forensic examiners in this industry are a joke. They can insert a key into the ignition and then opine the ignition was last operated with a key of the proper type.

I never condone fraud and will not represent someone I feel is being deceptive with me. However, I can successfully (as I have so many times) expose these experts for what they are.

The new thing if the car is not recovered, is to get a locksmith that will write a report that it would take him a 1/2 hour top make a new key for the stolen vehicle. Then comes the denial. What does this mean? Either the locksmith is a crappy locksmith, or he is not being honest as to how long it would take to make a new electronic key. Funny, when the same guy is making keys for the auction cars, it only takes minutes! Hmm.....

Under insurance investigation? Contact us, not a lawyer!

Need a very successful expert to refute the insurance experts--call A&R Forensic Auto Lab LLC

866-490-1673