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Old 03-13-2011, 05:54 AM   #1
noodles101
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MY blue 330ci GOT STOLEN OUT OF MY DRIVE WAY

my 2001 330ci blue ( the light blue not the dark navy blue)
got stolen out of my drive way in waterloo ontario.

got it stolen march 12th aprox 9 pm .
i came home around 6pm parked the car,
went out for a smoke , and my car was gone.
my room mate said he saw the car on the driveway around 9 wen he
went out.
called the police and reported it stolen around 9:30pm
also contacted the insurance company as well.

if any1 in toronto , GTA, area and waterloo and guelph , the near city
have seen my car, please call me or post here please
any kind of information will help greatly.
226 338 9393

car describtion .
-2001 light blue 330ci ( 2 door )

-stock height.

-ASA 17inch winter wheels

-yellow foglights

-rear bumper damage ( the whole bottom line of the bumper has a
damage all the way across , the whole piece of 'grill' fell off just below the light reflectors )

-debadged ( i took off the 330ci sign)

plate number BKFF 917 with RMP motors plate cover



PLEASE, ANY INFORMATION ON THE CAR WOULD BE A GREAT HELP.
my tank was also almost empty ( 50 km ) showing on the gas meter.

ANY suggestions about what i should do...or expect would be a great help too.

i really hope cops find my car , or i really hope who ever stole it crashes and dies , cuz it just snowed ALOT in waterloo tonight.

thank u.
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Old 03-13-2011, 10:23 AM   #2
noodles101
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does any1 know a dealership that finance used cars?

because i just found out i do not have theft coverage on my insurance...
and i dont have big chunk of money im a university student.
so if any1 kno any place that finance cars ..something around $10k , that would be really helpful.

Sean.
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Old 03-13-2011, 11:03 AM   #3
InfiniteDice
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Don't have theft insurance? I hear of insurance without collision.... but no theft?

Aside from that I know the feeling man, I bought and totally fixed/tuned a Trek 4300 bike last summer. Rode it once, locked it outside the Blockbuster and 30 minutes later it was gone.
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Old 03-13-2011, 11:09 AM   #4
noodles101
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Quote:
Originally Posted by InfiniteDice View Post
Don't have theft insurance? I hear of insurance without collision.... but no theft?

Aside from that I know the feeling man, I bought and totally fixed/tuned a Trek 4300 bike last summer. Rode it once, locked it outside the Blockbuster and 30 minutes later it was gone.
what does that mean ..insurance without collision?
ya. i thought i had basic coverage, which covers theft . but....thought wrong .. i had like..
the bare minimum insurance.... which doesnt cover it.
man..this reallly sucks.

any1 know ..how likely for the cops to find my car??......
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Old 03-13-2011, 11:11 AM   #5
noodles101
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sorry guys for asking too many questions on the forum
but...

i contacted waterloo police and reported it.
would that information go across ALL across ontario?
or would i have to contact O.P.P.. or tornto police about it as well...?

i heard chances of finding my car back is slim. but jus tryin my all...

thanks guys.

Sean.
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Old 03-13-2011, 03:23 PM   #6
uzi577
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Quote:
Originally Posted by noodles101 View Post
sorry guys for asking too many questions on the forum
but...

i contacted waterloo police and reported it.
would that information go across ALL across ontario?
or would i have to contact O.P.P.. or tornto police about it as well...?

i heard chances of finding my car back is slim. but jus tryin my all...

thanks guys.

Sean.
Sorry to hear!!!!!!
But most likely you are right, the vehicle such as your will be stolen on order or parts. So if professionally stolen, it will end up in the chap chop or in the sea container. That means chance of recovery is very low. But there could be exception to the rule. My next door neighbor has his 2009 Camry stolen. Police did recover it, 4 month later inside sea container in Montreal headed to South America. So there is always hope. there is a company leasing used car called KCC Leasing try them.

Good luck!
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Old 03-13-2011, 03:37 PM   #7
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Sorry to hear it man. you should have put comprehensive on the car for only a few dollars more a month. well worth it for a car that's 10 years or less. At least you would have gotten money from ins for the loss.

likelihood of finding it? slim to none...they may re-vin it or chop shop it.

it goes on the record for theft but they get tons to reports; goes into master system but that's about it.

if it was a joy ride thing then a good possibility they will find it. But if it was professional.......sorry.....
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Old 03-14-2011, 02:16 PM   #8
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Quote:
Originally Posted by InfiniteDice View Post
Don't have theft insurance? I hear of insurance without collision.... but no theft?...
Quote:
Originally Posted by noodles101 View Post
...but my buddy drove it for half a year and ****ed everyting up. lol
so teh car was in..kinda roughhh shape.
Quote:
Originally Posted by Blackedout95 View Post
Sorry to hear about the theft man.

Curious though, what is it with no theft, is it simply lack of funds?...
It's a tough call; whether to carry collision and/or comprehensive coverage on an older vehicle. I am asked this question daily. It's a gamble and some times you lose. I'm sorry that you find yourself on the short end of the stick this time, Noodles. There are clients in my office that choose to self insure their physical damage coverage, many with high end cars. However when something happens, at least it was their decision what coverage to carry. I've never heard the term "basic" referring to a policy that includes theft, so whoever you spoke to monkey wrenched your understanding of what your policy included.

As your situation unfortunately exemplifies: generally, when discussing coverage try to avoid the common slang of "1 way", "basic" or "full coverage".

You should to address each of the following individually:
  1. liability
  2. accident benefits
  3. collision
  4. comprehensive
  5. additional endorsements
You have to make decisions about each, so take the time and talk about them. If the company doesn't require a signed application for putting the policy in place, request a break-down of the coverages you've selected, IN WRITING! Sometimes waiting until they mail you a policy is too late.

When obtaining a quote most people ask what the difference is for liability only versus liability with collision & comprehensive. The difference is almost always a significant number; so people, many who are on the fence about what additional coverages they need, decline the physical damage coverage to save some money.

What is not often discussed is the price of adding just Comprehensive or Specified Perils coverage (aka: fire and theft). They are available with or without collision, depending on the company. Specified Perils is a reduced coverage vs Comprehensive therefore it is also a reduced price vs comprehensive.

Specified perils, on it's own, is what is commonly called, "parking coverage" though this is a bit of a misnomer as it doesn't really cover everything that can happen to your car when it is parked. see: Summer Rides, Winter Beaters & Insurance

This is going to become a bigger issue as many insurance companies are shying away from older cars. Most have a predetermined vehicle age (usually 12-15 yrs old) at which they want pictures from all angles of the car and some even want a current safety certificate before they will add the physical damage coverage. Those are the reasonable companies. Some will not offer physical damage coverage if your car is over 10-12 years old, period.

This is a downfall of dealing with a bank/direct writer/insurance agent. They can only propose coverage based on the rules of the single company they represent. So you may hear, "full coverage is not available because your car is too old". Do not take that as a blanket statement which applies to all insurance companies. If you are being told you can't get the coverage you asked for, the next question you need to be asking is, "is this coverage available elsewhere in the insurance market". Then call a broker. We ("we" being insurance brokers in general) represent multiple companies and can likely find you a policy with all the coverages you want.

For the record: When I started responding, the reason the coverage was not carried was unknown... I hypothesized either he opted out of it due to older car in rough shape, or the company didn't offer it. looks like it was: C) none of the above.

Noodles, what company did you insure with and how long ago was the policy set up?
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Old 03-14-2011, 07:28 PM   #9
noodles101
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Quote:
Originally Posted by hockeyfan27 View Post
It's a tough call; whether to carry collision and/or comprehensive coverage on an older vehicle. I am asked this question daily. It's a gamble and some times you lose. I'm sorry that you find yourself on the short end of the stick this time, Noodles. There are clients in my office that choose to self insure their physical damage coverage, many with high end cars. However when something happens, at least it was their decision what coverage to carry. I've never heard the term "basic" referring to a policy that includes theft, so whoever you spoke to monkey wrenched your understanding of what your policy included.

As your situation unfortunately exemplifies: generally, when discussing coverage try to avoid the common slang of "1 way", "basic" or "full coverage".

You should to address each of the following individually:
  1. liability
  2. accident benefits
  3. collision
  4. comprehensive
  5. additional endorsements
You have to make decisions about each, so take the time and talk about them. If the company doesn't require a signed application for putting the policy in place, request a break-down of the coverages you've selected, IN WRITING! Sometimes waiting until they mail you a policy is too late.

When obtaining a quote most people ask what the difference is for liability only versus liability with collision & comprehensive. The difference is almost always a significant number; so people, many who are on the fence about what additional coverages they need, decline the physical damage coverage to save some money.

What is not often discussed is the price of adding just Comprehensive or Specified Perils coverage (aka: fire and theft). They are available with or without collision, depending on the company. Specified Perils is a reduced coverage vs Comprehensive therefore it is also a reduced price vs comprehensive.

Specified perils, on it's own, is what is commonly called, "parking coverage" though this is a bit of a misnomer as it doesn't really cover everything that can happen to your car when it is parked. see: Summer Rides, Winter Beaters & Insurance

This is going to become a bigger issue as many insurance companies are shying away from older cars. Most have a predetermined vehicle age (usually 12-15 yrs old) at which they want pictures from all angles of the car and some even want a current safety certificate before they will add the physical damage coverage. Those are the reasonable companies. Some will not offer physical damage coverage if your car is over 10-12 years old, period.

This is a downfall of dealing with a bank/direct writer/insurance agent. They can only propose coverage based on the rules of the single company they represent. So you may hear, "full coverage is not available because your car is too old". Do not take that as a blanket statement which applies to all insurance companies. If you are being told you can't get the coverage you asked for, the next question you need to be asking is, "is this coverage available elsewhere in the insurance market". Then call a broker. We ("we" being insurance brokers in general) represent multiple companies and can likely find you a policy with all the coverages you want.

For the record: When I started responding, the reason the coverage was not carried was unknown... I hypothesized either he opted out of it due to older car in rough shape, or the company didn't offer it. looks like it was: C) none of the above.

Noodles, what company did you insure with and how long ago was the policy set up?
hey that was great help and stuff i did not know!
thank u for that.

i am insured with desjardins insurance.
and insurance policy was set up when i bought the car...
around september 2010
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Old 03-16-2011, 07:33 AM   #10
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Quote:
This is a downfall of dealing with a bank/direct writer/insurance agent. They can only propose coverage based on the rules of the single company they represent. So you may hear, "full coverage is not available because your car is too old". Do not take that as a blanket statement which applies to all insurance companies. If you are being told you can't get the coverage you asked for, the next question you need to be asking is, "is this coverage available elsewhere in the insurance market". Then call a broker. We ("we" being insurance brokers in general) represent multiple companies and can likely find you a policy with all the coverages you want.
I'm not an agent but my take is there are considerably more advantages to being friendly with your broker as opposed to xyz insurance comp. My broker can bind insurance over the phone at anytime of the day. It's unlikely that an insurance company will do this for you. Brokers are also working for you so when you get into an accident and you don't have a broker between you and the insurance company it's you against them, and they really don't want to pay you. For my money I am going to be supporting my broker for the foreseeable future.
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Old 03-16-2011, 07:56 PM   #11
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http://www.youtube.com/watch?v=j4EPgT6uBFM
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Old 03-13-2011, 11:14 AM   #12
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Just liability insurance doesn't cover theft. Sorry about your loss hope thing work out!
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Old 03-13-2011, 04:16 PM   #13
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Wait for couple of weeks before you buy a new car, they might find your car.
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Old 03-13-2011, 04:49 PM   #14
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Shit, that was my old man's ride that I sold to your friend about a year ago. Sorry to hear man, hopefully they find it especially as you have no theft coverage...
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Old 03-13-2011, 06:04 PM   #15
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01 330ci should have immobilizer and such features? It would take a decent amount of time to steal it out of a driveway, that's a pretty high risk move that would take a while to bypass the immobilizer and then actually hotwire for start. How many keys are you in possession of? Start looking at the possibility that it was started with a key. Other than that it must have been the real deal when they can actually replicate the chip in the key with a device and hot wire it. Anyone with that kind of equipment is not stealing 2001 vehicles.
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