The Newman Blog

Carjacking: How To Protect Yourself

young female driver in car reaching up to adjust rear-view mirror
By:
Aleesha McMullin
|
Economical Insurance
|
August 18, 2022

Across Canada, rates of reported carjackings are rising. According to Équité  Association, around 80,000 carjacking cases were reported in the past year. As a precaution, police are warning drivers to stay diligent and take extra measures to protect themselves, when parked and when on the road. To reduce your risk of experiencing a carjacking, consider these preventative measures to keep yourself safe:

  1. Park in a high-visibility area. Avoid parking beside dumpsters, in wooded areas, or close to large vehicles that can obstruct views of your vehicle. Instead, try to park your car closer to sidewalks or busy walkways, or in a private parking garage where vehicles are watched closely by security.
  2. Stay alert when getting into or out of your vehicle. When exiting or approaching your vehicle, try to keep an eye out for anyone hanging around nearby, and if you think you're being followed to your car, go in another direction and call 911.
  3. Try to drive in the middle lane to prevent thieves from easily accessing your car from the side of the road.
  4. Keep windows closed and make sure all doors are locked when you're stuck at a standstill in traffic.
  5. Always trust your instincts. If something is making you uneasy, it's better to err on the side of caution and leave the area or call the police to report suspicious activity.

The vehicle you drive, where you live, and the locations you park in can all increase your risk of experiencing a carjacking. As rates of carjackings rise, take these steps to protect yourself when you're on the road.

Know what puts you at greater risk of experiencing a carjacking:

Besides being in the wrong place at the wrong time, there are certain specific factors that can increase your risk of experiencing a carjacking. For example, certain vehicle makes and models are more susceptible to carjacking, including Honda Civics, Honda CR-Vs, Lexus RX 350s, Toyota Highlanders, and Dodge RAMs, due to their low profile and ability to blend in easily in traffic.

Where you live can also increase your risk of experiencing a carjacking. As reported cases continue to increase in urban centres across Canada, city residents should be extra vigilant in their efforts to prevent carjacking.

Does my insurance policy cover carjacking?

The short answer is yes — your car insurance policy will cover theft by carjacking if you have the right coverage in place. Vehicle theft is typically covered under optional specified perils, comprehensive, or all-perils coverage, and this includes theft that occurs as a result of a carjacking.

If there were valuables in your vehicle when it was carjacked, it's unlikely that your car insurance policy will cover your stolen belongings. In this case, contact your home insurance provider to see if the stolen items will be covered under your home insurance policy.

How to file an insurance claim if you experience a carjacking

If your car has been stolen in a carjacking, make a police report before submitting a claim with your car insurance provider. To submit a claim, contact your insurance company's claims department, or contact your broker at Newman Insurance if you have any questions about the process.

Reach out to your licensed insurance broker at Newman Insurance if you need help reviewing your car insurance policy and making sure you'd be covered in the event of a carjacking.

The content in this article is for information purposes only and is not intended to be relied upon as professional or expert advice.
This article was originally posted on

Read more posts

Filtering by: 
Tag
click to clear this filter
Insurance Tips For Newlyweds

Insurance Tips For Newlyweds

Whether you've lived with your new spouse for years or you've just moved into your first home together, make sure you've checked these to-dos off your list.

Read post
Should You Increase Your Loss of Use Coverage?

Should You Increase Your Loss of Use Coverage?

Loss of use or transportation replacement coverage helps cover the cost of alternate transportation if your vehicle is involved in a covered claim. It is an important additional insurance coverage that many people neglect to carry.

Read post
Carjacking: How To Protect Yourself

Carjacking: How To Protect Yourself

Across Canada, rates of reported carjackings are rising. Stay diligent and take extra measures to protect yourself, when parked and when on the road by knowing what puts you at greater risk of experiencing a carjacking.

Read post
What Happens If Your Property Is Underinsured?

What Happens If Your Property Is Underinsured?

To avoid being underinsured is to be certain that you are appropriately covered for your home and your contents.

Read post
7 Water Safety Tips For The Summer

7 Water Safety Tips For The Summer

Whether you're headed up to the cottage or planning a pool party, knowing some basic water safety tips can help keep you and your fellow swimmers out of trouble.

Read post
Learn How To Protect Yourself From Vehicle Theft

Learn How To Protect Yourself From Vehicle Theft

In 2021, losses stemming from vehicle theft rose over 20% from the previous year. While vehicle thefts have increased, there are fewer vehicles that are being recovered after they’ve been stolen.

Read post
How To Prevent Fires On Your Property

How To Prevent Fires On Your Property

There's no place like home — so it makes sense to protect yours as best you can. Safeguarding your home against fire is a good place to start, but it's important to do the same for the rest of your property, including your yard.

Read post
Tree Maintenance and Care

Tree Maintenance and Care

The trees in your yard can enhance your property, provide shade and offer abundant environmental benefits. However, trees can also pose a safety hazard to your family and your home if they are not properly inspected and maintained.

Read post
What Is CAA MyPace™ - Pay-As-You-Go Insurance?

What Is CAA MyPace™ - Pay-As-You-Go Insurance?

There are many options out there for auto insurance. One option that you may not be aware of is the CAA MyPace, a pay-as-you-go insurance payment program.

Read post
5 little-known facts about seasonal property insurance

5 little-known facts about seasonal property insurance

When it comes to seasonal property insurance, it's about more than their physical differences. Take note of these five little-known facts about seasonal property insurance coverage and talk to your broker about what is (and what isn't) covered in your policy.

Read post
Save the Stress: Sump Pump Basics

Save the Stress: Sump Pump Basics

Understanding how your sump pump works and how to maintain it is an easy way to prevent water damage in your home. This post covers what a sump pump does and how to maintain it.

Read post
How to protect your car from catalytic converter theft

How to protect your car from catalytic converter theft

Cases of catalytic converter theft are increasing across Canada. Find out everything you need to know about catalytic converter theft and learn how to protect your car.

Read post
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get the right insurance

Tell us what's important to you.
We'll help you get the right insurance at the right price.

Or call 1-800-653-1924