scubabatdan said:
Of course if they really want in they will no matter what car you own, call it a deterant. At least you can tell the police office with a straight face that you locked it, so no issues with the insurance company. Since any theft of propery will not be covered if you fail to lock your car. The police report will describe the vandalization and if the car locks were jimmied. In some instances it is wise to lock your car. Just my opinion from 24 years in the Army, the post policy was any theft on a vehicle that was not secured properly would not be covered.
Yes it is easy to get into a convertable, but it is prudent to secure your belongings, unless you dont care.
Dan
Daniel - possibly true except policies vary from post to post - &, even then, they are only guidelines (I was an IG once)...For example: one of my MG's & about 20 other sportscars were vandalized one night at FT Leavenworth...a teenager who lived on post, CID later proved....naturally, my MGB wasn't locked & when the post started the investigation (Army had liability because when a person lives on post, the Army assumes responsibility for safety) & they asked me if my car was locked, I pointed out the idiocracy of locking a car with a cloth top - & the fact that the top had been sliced even though the doors were unlocked (& the doors keyed though nothing stolen - he just went down the street keying cars & slashing tops)! The Army paid off & repaired every car (& after finding the culprit, moved the family off post!) even though several were unlocked.
But you caused me to think.....so, I called USAA and asked them the question because you brought up a point I'd never thought about...the example I gave was my Mercedes 380SL, if the radio was stolen but the door not locked - would they cover the damage? They looked at my insurance policy (same as everybody's policy) & said that specific issue isn't specifically covered...the supervisor then said they would look at which would've been better for both me & them: a $500 radio or a $1000 top & a $500 radio....in that instance, she said they would prefer to just replace a radio, not a top & a radio! But, either way, she said they would cover me whether or not the car was locked.
Matter of preference, IMO....I hate installing tops!