Overview
Remote keyless entry and push-button starts make modern driving convenient, but they also introduce new theft risks. Thieves can use inexpensive signal-jamming devices to block a key fob's lock command, or they can intercept signals to unlock and start a vehicle. Understanding how these attacks work and taking a few practical precautions can substantially lower your risk of theft or loss.
This article explains common attack methods, simple prevention steps you can take in parking lots and at home, and how coverage and recovery options typically work after a theft.
Key takeaways
- Signal jammers and relay attacks can prevent locks or allow thieves to start keyless cars without breaking windows.
- Simple habits—verifying locks, parking in well-lit areas, and keeping valuables out of sight—reduce risk.
- Report thefts promptly and review insurance options for vehicle loss and identity-related exposures.
How it works
One common method is jamming the remote's radio frequency so the vehicle never receives the lock command; drivers who assume the car locked can walk away with it still unsecured. Another is a relay attack, where two thieves use devices to extend the key fob's signal from inside a home to a parked vehicle, tricking the car into thinking the key is nearby.
Thieves also look for visible valuables such as laptops, GPS units, or bags and may break into cars to steal property or use the vehicle itself for resale or export. These techniques require little technical skill and increasingly inexpensive tools, so awareness and good habits are your best defenses.
What it may cover (and what it may not)
Auto insurance policies vary. Comprehensive coverage often pays for theft of the vehicle and damage from forced entry, while personal belongings inside the car may be covered under a homeowners or renters policy instead of auto insurance. Identity theft or data loss resulting from a stolen device may be addressed by separate identity-theft or cyber-protection products.
For guidance about how theft risks intersect with workplace losses or employee-related exposures, consider resources like Vehicle Theft and Employee Crime in the U.S. and for concerns about stolen data or identification after a vehicle break-in see Vehicle Theft and Identity Theft in the U.S.
Common mistakes to avoid
- Assuming a click or chirp isn't necessary—always confirm the vehicle actually locked by listening for the sound or watching for the lights to flash.
- Leaving valuables visible on the seat or floor; even small items invite smash-and-grab thefts.
- Storing spare keys, registration, or documents inside the glovebox where a thief can access identity information.
- Relying solely on convenience features—consider additional physical deterrents if you frequently park in high-risk areas.
Questions to ask an agent
When reviewing your coverage, ask whether comprehensive auto insurance includes full replacement for stolen vehicles and what the deductible would be in a theft claim.
Inquire how personal property stolen from your vehicle is covered and whether your homeowners or renters policy provides better protection for valuables.
Ask about optional identity-theft services or endorsements that can help with recovery if personal information on a stolen device is compromised.
Next steps
Adopt a short checklist: always verify locks, park in well-lit areas, keep valuables out of sight, and consider steering-wheel locks or other visible deterrents. When you arrive at a store, make the quick habit of checking for the lock confirmation before walking away.
If your vehicle is stolen, call law enforcement immediately, provide the VIN and any identifying details, and report the theft to your insurer as soon as possible. For personalized assistance or to review coverage options, talk to your agent about theft protection and related endorsements.
Frequently Asked Questions
How can I tell if a remote signal was jammed?
If the car does not make its usual locking sound or flash its lights when you press the fob, immediately try locking again and check the doors manually before walking away.
Will my comprehensive auto insurance pay for a stolen car?
Comprehensive coverage generally covers vehicle theft, subject to your policy deductible and terms, but confirm specifics with your insurer.
Are there inexpensive ways to prevent relay attacks?
Store key fobs in a metal container or a signal-blocking pouch at home and avoid leaving keys near exterior doors to reduce signal exposure.
What should I do if my laptop or phone is stolen from my car?
Report the theft to police, notify your service providers, change passwords, and consider credit-monitoring or identity-theft protection services if personal data was stored on the device.