The Growing Problem of the Car Ghost
Car ghosts, or vehicles with illegal license plates are a rising problem for police. The NYPD declares that these vehicles typically have a link to criminality and violence.
New York tackles the problem by employing an intelligence-driven approach. This involves the bringing together of all city law enforcement agencies, which includes patrol and detective bureaus.
Theft
Car theft is one of the biggest concerns for car owners. These crimes not only increase the insurance premiums of car owners but also cause other issues. These include deductibles to be paid, lost time when a vehicle that was stolen is found, and increased repair costs.
While cars aren't worth much or hold nothing of value, thieves still try to steal them. They might do it in order to enjoy a joy ride or to bet on a dare or even resell parts of the vehicle.
According to the National Insurance Crime Bureau (NICB) criminals tend to prefer older vehicles. This includes older models, such as Honda Accords and Civics as along with Toyota Camrys or Corollas as well as Chevrolet Silverado pickup trucks and Ford F-150 pickup trucks.
Thieves with the right expertise and equipment are able to hack into the infotainment systems of cars. This can allow them to gain access to bank accounts, addresses, as well as previous destinations.
While there are ways to stop this from happening, it is much more difficult than most people think. It is important to ensure that valuable items aren't visible when your car is parked. You should also be careful not to put them in the trunk where opportunistic thieves might find them and steal them.
Ghost immobilisers are another way to deter thieves from stealing your car. These devices work by preventing your engine from running until a specific sequence of buttons is pressed in a specific sequence. These devices are similar to passwords are used on your smartphone but instead of your phone's buttons they use the buttons on your vehicle.
These devices can be connected to your vehicle's engine control unit (ECU) via the CAN bus. This helps prevent thieves from copying your vehicle's keys or swapping the ECU with a key that is not authorized.
The device is TASSA verified, which means it has passed 3rd security tests and can be trusted by responsible car owners. This is a huge relief drivers who are concerned about car theft and want to guard their vehicles from thieves who employ cloning technology.
Motorists who aren't insured
There are many reasons why one might not be covered by auto insurance. They may not be able to afford it, or they might not have time or desire to, or decide not to purchase insurance. However, driving without insurance is illegal in a majority of states.
Uninsured drivers pose a significant problem for the roads. There are currently 29 million drivers in the United States who are not covered by auto insurance.
A number of state legislatures are trying to tackle the issue by making it mandatory for drivers to purchase uninsured motorist insurance. These laws come at an additional cost for the policyholder, but are necessary to protect drivers against the possibility of being involved in an accident with an uninsured driver.
Some states have laws that require insurance companies to inform the police when a motorist's policy lapses. This can help authorities identify those who may be uninsured and makes it easier to prosecute their cases.
Many states also have laws that require people to submit proof of insurance within a certain period of time after they have been accused of driving without it. This could help drivers to avoid penalties such as losing their license or registration, or getting their vehicle impoundled.
Another option to reduce the uninsured driver population is to increase the insurance coverage offered to those who have. Some states have mandated higher minimum requirements for UM or UIM and UM coverage, while others have implemented online insurance verification systems that help drivers to verify their policies.
New Jersey, for example, requires drivers to have at least $15,000 of UM coverage and $5,000 property loss insurance. This is lower than other states like Maine and Vermont, which require drivers have $50,000 in UM coverage, and up to $100,000 in UIM and UM.
Some states also have "no play and no pay" laws that limit the damages uninsured drivers could sue for. According to the Insurance Research Council (IRC) this kind of rule may deter drivers from driving without insurance. Uninsured drivers continue to be an issue despite all the efforts.
Insurance Fraud
It could not be because you were involved in an incident that your car insurance has been cancelled or refused. It could be that you have been scammed by ghost brokers.
Ghost brokers are criminals without licenses who pretend to be middlemen for insurance companies and offer cheap insurance to drivers. They advertise on social media as well as other platforms, often targeting younger drivers who are struggling to find cover. They will pretend to represent known insurance companies and provide payment via credit card.
They employ a variety of strategies to lower the premiums of their victims. For instance, they alter the vehicle's registration number so that it appears to have a different owner. To lower the price of their policies they also alter personal information such as the driver's address as well as claims history.
These tricks can be hard to detect. However, some warning signs to watch out for include the fact that the 'broker isn't FCA registered (regulated by the Financial Conduct Authority), and the price they quote is too good to be real.
According to the City of London Police ghost broking is a major scam that targets young people aged 17 and 29. Ghost brokers are particularly vulnerable to this age group due to the high cost of car insurance as well as high unemployment.
Insurance industry is concerned by the rise of ghost brokers and is seeking an unison unit to tackle this kind of. The crime is estimated to cost the UK economy over PS1 billion per year.
It's more crucial than ever before for motorists to protect themselves against scammers. This is done by confirming the authenticity of any insurance policy that you receive and calling your insurer if they seem fraudulent.
In addition, you should make sure that you don't divulge any of your personal information via phone or mail. These may include bank account numbers or credit card numbers as well as passwords. These details could be stolen and used to commit identity theft.
Speeding
Speeding is one the most dangerous driving habits you can be guilty of. Speeding can result in serious injuries and even fatalities, and also create an hazard for other drivers.
The National Highway Traffic Safety Administration (NHTSA) states that speeding has been an important factor in more than one-third of all traffic deaths since the early 1990s. This is a serious issue that affects many people and can be prevented by education, training, and enforcement.
There are numerous reasons to speed up, including the pressure of social interaction or lack of attention. Inattention can cause you to drive at an excessive speed fast for the road conditions, such as poor weather and construction that slows traffic flow.
Drivers might feel uneasy and rush to express their frustration or anger. They might also be trying to look better by displaying their speedy vehicles.
Other factors that can contribute to speeding include the loss of control, increased stopping distance, as well as a decreased effectiveness of safety equipment for vehicles. Seat belts and airbags do not work as effectively at speed, which could be fatal for a motorist or passenger.
Speeding too fast can lead to more severe collisions, accompanied by higher medical expenses and extended absences from work for injury recovery and a greater consumption of fuel. Speeding can also result in more serious property damage and costly repairs.
Another reason why people speed is that they are awed by the thrill of driving at high speeds. Teen drivers are at a greater risk of being involved in fatal crashes due to speeding.
You can lower the risk of being involved in an auto accident by investing in security systems that safeguard your vehicle from theft, and other dangers. A new product from Rolls-Royce called the Ghost is a good ghost immobiliser installer example. It comes with a system that will stop key-cloning as well as hacking your vehicle.
The Ghost also has an illuminated grille, which is exclusive to the company. The grille's top spokes of the grille are illuminated similar to the Rolls-Royce Phantom or Cullinan SUV models.