my '04 supercrew xlt was parked and locked up in my driveway. we bought her new and i have a key and my wife has her key and now all we got is a door lock cylinder that was left in the driveway. my truck got stolen and my insurance company is saying it can't be because i got the PATS anti theft. i know my truck is gone and i did n't steal it like my insurance company is hinting so how was my truck stolen??? any help appreciated, i gotta do battle now with the insurance.

 

well they typically punch the lock cylinder out of the door, and open it by hand. Then if you know your stuff, you can actually over ride, the PATS module and jumper wire around it. Its not impossible, and its actually not that hard

sorry to hear your loss

 

Man I'm sorry to hear your bad news. Don't you just love legalized extortion...er insurance!

 

I can't wait to hear more about this.
Do you know how PATS and the PCM are set up to work?
I'm not going to give any clues as to how it might be done but it's not that easy unless........................

 

ive got complete vehicle wire diagrams for every ford vehicle 03-08. And yes its not that hard if you know what you are doing

 

hey bluegrass and patman, please email me some details please at g.b.nickerson@shaw.ca i need some info on beating the anti theft systems if i am going to beat my insurance company.

 

Please keep us updated on how it works out with the insurance company.

 

Let me guess... Flat bed ?

Pop the door to put it in neutral, and load it up. I am guessing this, are there any skid marks in the driveway ?

I love how some will say to jumper around PATS. Does not work that way. Some think it is as easy as tying 2 wires together.

PATS is RFID tags. The Key's RFID tag needs to match the list of programmed keys in the HEC. Once the HEC confirms that the key is a valid key, the HEC then sends a message over the UBP comm network to the PCM, to enable the start function to work. That is a Ford specific protocol over the UBP, it is not 2 wires to tie together.

The only other option is someone spent the $2,500.00+ on a NGS STAR XL Transponder programmer, and brought a ign switch and 2 keys with them.
The would have to pull the ign switch, install the new one, do an erase of all keys, and program 2 keys into the HEC ( there is a program for this ).

I assure you it is not a jumper wire, that is a load of BS. Someone that thinks it is that easy because they have diagrams, does not know what they are looking at in the EVTM in cell 14.

The flat bed method seems a lot simpler to execute, not much time to get it on the back, and neighbors might think it is being repo'd and turn a blind eye to it ?
Add to this, a used flat bed it much easier to get, and harder to track then purchasing an ign switch and 2 new keys, along with the NGS from someplace. That leaves what could be a paper trail to follow.

Maybe have your insurance company check for NGS systems purchased in your area, and check with dealers / bone yards & online for recent purchases of ign switches, and key sets ?

 

Right on with Steve.
It's not easy unless............... .
Im' with the opinion it was picked up from the rear and towed down the street then put on a roll-back or ?.

 

Insurance does not work like that which is why I don't believe the story..... No insurance company would reject a claim based on any alarm or PATS system failing to prevent a car or truck from being stolen.

 

1st : It is CAN, not the US. Unless you are an Ex-Pat back home again, I would not make blanket statements of how insurance works in CAN. I know I have no idea how much different it is.

2nd : Insurance companies can reject any claim they want. Most are good, but I know GEICO will reject a claim for a motorcycle crash if you are in an "event" The definition they use of an event is something like an Iron Butt run, or even something like a Toys for Tots run ( spelled out in the fine print ). The company he uses might have a rider for something akin to this with anti theft inoperable = no coverage. Insurance via AARP has a clause that if you get in a wreck while BAC is over the limit, your coverage is void at the time you put the key in the ignition ( in the fine print, and you acknowledge this by paying the premium), so if one were to get behind the wheel over the limit, you know you are doing so without coverage. It is all about what is in the fine print on the pages they send with the renewal notice.

Insurance companies make money by taking payments, and not paying out, and a good living at that process. While I have never had anything but stellar results out of my ins company, some might be a bit harder to deal with. Even if they slow roll the payout , they are making more money then if they had just paid the claim straight away. Slow roll 100 claims a day x 5 days / week x 52 weeks per year is a lot of interest they make on the funds.

So this could be a case of what is in the fine print, or just a simple case of slow roll on payment.

 

Gordn, sorry to hear about that, I have an 04 f-250 screw and they have broke into it 5 times now, what they do is they put a screw driver in the key hole and turn. Actually after the first time I did not even replace the locks, told the police officer I wanted to leave a note for them to just take it. I leave it empty now. I worked 8 years for one of the largest insurance companies in the country and yes the can deny a claim but what I see most people do is get a good lawyer and take them to court. Be surprised how many Ins. companies wait until they are forced to pay and do so only after they know the client means business. But once again I'm really sorry to hear about your lose. Keep us posted.

MP

 

Then Gordn should post that he is in CAN


What does this have to do with his insurance company not paying him off for the THEFT of his truck because they say his PATS SYSTEM IS THEFT PROOF?
You can save your explaination on how Insurance companies work for someone who just learning about insurance. I have had 2 cars and an suv stolen starting with the first in 1986. All three where paid off and the last two required more documentation and proof that I was not at fault or a part of the thefts.

Anyone who thinks a PATS key makes a car of truck theft proof needs to wake up and a simple internet search will bring them out of their coma

 

Look at his email address. Self explaining.

If you actually read what I wrote, it comes down to what the fine print says for his insurance company. That is what the 2 examples given were trying to get to ( when "normal" coverage is denied ). I have no idea what it says, do you ?

Sorry, I read your post, and got that insurance companies do not work like this. My mistake.

Please provide the URL... You seem to have it, so it should be no problem to provide this.

 

Where there is a will there is a way. Bottom line is the dude's truck is gone. I dont know of a security system that can not be defeated. Could be someone who has some dealership hook up or something.