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Old 07-08-2013, 01:42 PM   #1
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2000 Jeep Wrangler Stolen today

I posted this in the general forum.. but this is a TJ Jeep!

Hey Guys

I think I will get screwed by the Geico insurance. My Jeep is a 4.0L with only 70,000 miles. Automatic with hardtop. Excellent shape. It was stolen today. How much do you think Geico will give me?

I got a feeling it won't be worth the real market value. What do you guys think? Advice help? Thanks

Duke

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Old 07-08-2013, 01:49 PM   #2
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Well if they don't then you should look around. Nationwide gives you the blue book value of the vehicle one year newer then the one that got wrecked just because that is their way of doing things and they were cheaper then all the major brands including Geico for me. I hope they give you enough cuz I know how bad it sucks to total a vehicle you like. Good luck bro

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Old 07-08-2013, 01:51 PM   #3
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you can pretty much tell by kbb.com , it will be close to that.
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Old 07-08-2013, 01:51 PM   #4
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Quote:
Originally Posted by duke1234 View Post
I posted this in the general forum.. but this is a TJ Jeep!

Hey Guys

I think I will get screwed by the Geico insurance. My Jeep is a 4.0L with only 70,000 miles. Automatic with hardtop. Excellent shape. It was stolen today. How much do you think Geico will give me?

I got a feeling it won't be worth the real market value. What do you guys think? Advice help? Thanks

Duke
Never take their first offer. The adjuster gets paid bonuses for settling quick AND low. They hope you need a check soon so you can buy another car. Act like you're in no hurry and you could drag this thing out if they don't offer a fair price.
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Old 07-08-2013, 01:56 PM   #5
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NADA is used here, not KBB.

Also if you have receipts of any modifications (lifts, upgrade tires, stereo...) copy those receipts and get them to your agent.

And I agree with biggus35, don't let them think you are in such a hurry that you will take a low ball. What would you have taken if you were selling it? That's what you should hold out for.
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Old 07-08-2013, 01:57 PM   #6
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That's too bad, the same thing happened to me 3 years ago & I'm still not over it. The above advice to not accept their first offer is right-on, I'd hold out for probably at least a couple offers. I was lucky I had AAA who really (!!!) took great care of me after my previous TJ was stolen. The independent adjuster AAA hired to figure out what my well-built TJ was worth said I would have been screwed had it been insured with Farmers, State Farm, or Geico... so don't expect a fair first offer.
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Old 07-08-2013, 02:01 PM   #7
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I just brought $800 tires and spent about $300 on the sound system. I have receipts. I have another car right now, so I will take you guys advice and hold out. I think the Jeep is worth 9-10k. I don't want them to offer me something stupid like 6k.
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Old 07-08-2013, 02:19 PM   #8
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sorry for the loss, I really hate thieves.

why do you think Geico will screw you?

I ask because I switched from allstate to geico just about 6 months ago, they cut my premium by 55%.
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Old 07-08-2013, 02:23 PM   #9
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Geico will probably screw you like they screwed me. They insured my Jeep for 6 months and then sent me a letter to tell me that they don't insure off-road vehicles and that they could no longer insure my vehicle.
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Old 07-08-2013, 02:24 PM   #10
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Insurance companies always low ball you on used cars. The Wrangler usually has a higher real market value than listed on price guides.... Either way, only time will tell.
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Old 07-08-2013, 02:51 PM   #11
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How does a jeep get stolen? Were the keys left inside? Hot wire? Towed away? Top on or off? I have heard that this happens, but how? I want to avoid it at all costs. I guess if someone wants it bad enough, they will figure out a way

Also, what is the chance of it being found? Sorry for my ignorance, I've never had this happen thankfully.
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Old 07-08-2013, 03:05 PM   #12
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never had one stolen. had a cherokee broken into though. the "jerk" broke my drivers side door lock and damaged the metal around the lock as well. nothing you can do to prevent it 100%.
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Old 07-08-2013, 03:29 PM   #13
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never had one stolen. had a cherokee broken into though. the "jerk" broke my drivers side door lock and damaged the metal around the lock as well. nothing you can do to prevent it 100%.
That sucks. My buddy had a Cherokee "stolen" he left the keys in the ignition, doors unlocked. They found it abandoned, a few blocks away from his home in the woods. Out of gas, gouges all over it where the idiots drove it through barb wire fencing. Id say teenagers out joyriding. At least he got his back, but in rough condition.

All cd's stolen too.
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Old 07-08-2013, 03:42 PM   #14
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How does a jeep get stolen? Were the keys left inside? Hot wire? Towed away? Top on or off? I have heard that this happens, but how? I want to avoid it at all costs. I guess if someone wants it bad enough, they will figure out a way

Also, what is the chance of it being found? Sorry for my ignorance, I've never had this happen thankfully.
Mine was dragged out of my office parking lot by a flatbed tow truck, they never even tried to start it. 3 years later and it hasn't been found, LEO tell me it's in Mexico being used either by a crooked Mexican LEO or by a drug cartel who wanted it for access to their remote locations. Lots of Jeeps are stolen here in San Diego & from what I was told, most end up across the border.
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Old 07-08-2013, 03:45 PM   #15
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Mine was dragged out of my office parking lot by a flatbed tow truck, they never even tried to start it. 3 years later and it hasn't been found, LEO tell me it's in Mexico being used either by a crooked Mexican LEO or by a drug cartel who wanted it for access to their remote locations. Lots of Jeeps are stolen here in San Diego & from what I was told, most end up across the border.
Holy crap! That is horrible!
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Old 07-08-2013, 03:48 PM   #16
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Jeep was locked. Hardtop was on. Keys were not left in the Jeep. They had to have picked the lock and hot wired it because there is no sign of glass on the floor.
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Old 07-08-2013, 04:02 PM   #17
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Or loaded it on a rollback like they did Jerry's. I don't think hot wiring anything is as easy as it sounds. There was a guy with a 16 foot tag a long trailer and a winch getting cars around here not long ago. He was finally caught on surveillance camera at a local hospital and apprehended.
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Old 07-08-2013, 04:13 PM   #18
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Originally Posted by duke1234 View Post
I posted this in the general forum.. but this is a TJ Jeep!

Hey Guys

I think I will get screwed by the Geico insurance. My Jeep is a 4.0L with only 70,000 miles. Automatic with hardtop. Excellent shape. It was stolen today. How much do you think Geico will give me?

I got a feeling it won't be worth the real market value. What do you guys think? Advice help? Thanks

Duke
Assuming your registration and insurance card was inside the vehicle as well. If you don't already have some sort of personal protection, now would be a swell time to get something. If they'll steal your vehicle, they'll break into your home. I stay armed 24/7-365...
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Old 07-08-2013, 04:16 PM   #19
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Getting reimbursed for modifications is one reason I've debated even carrying full coverage on a '98 TJ. I assumed they'll just give you KBB on a fair condition '98 Wrangler. My son starts driving this winter. Maybe I'll revisit full coverage.
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Old 07-08-2013, 04:17 PM   #20
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2000 Jeep Wrangler Utility 2D Sport 4WD Prices, Values & Wrangler Utility 2D Sport 4WD Price Specs | NADAguides
Gonna have to convince them that it was a peach. Receipts won't get you above NADA (that's all it was insured for) but it will convince them that it was worth top dollar.
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Old 07-08-2013, 04:23 PM   #21
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Getting reimbursed for modifications is one reason I've debated even carrying full coverage on a '98 TJ. I assumed they'll just give you KBB on a fair condition '98 Wrangler. My son starts driving this winter. Maybe I'll revisit full coverage.
I had just basic theft/liability coverage through AAA & they significantly bumped what they paid me for it once I submitted a lengthy & detailed multi-page spreadsheet withphtos & receipts to them. Nothing extra had been added to my policy at all, it was still stock so far as the policy was concerned. My independent adjuster said AAA covers things like that better because they are a not-for-profit insurance organization that is owned by the policy holders... a mutual insurance company. I can't recommend AAA highly enough due to that & what I have seen them do for other Jeep owners who suffered offroad damage.
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Old 07-08-2013, 05:37 PM   #22
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One form of theft prevention I learned about back in the old days was a simple $20.00 cutout switch(Like a lot of guys use to cut power to the winch full time) hidden under the seat or almost anywhere. Simply activate the cutout whenever you park. Most thieves don't want to spend a lot of time doing their dastardly craft.
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Old 07-08-2013, 05:57 PM   #23
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Sorry for your loss. I think I know how you feel.

I had a completely restored 1967 camaro stolen. It had a factory 4 speed with console and was an RS version. Whoever got the engine was in for a hassle if they ever needed a starter and throwout bearing. I used a cast iron bellhousing that had a 348/409 starter and it had a Ford type clutch with springs rather than a diaphram.
They found it a week later stripped. Even the headliner was gone. It had a rockcrusher muncie and Ford posi rear diff. Kelsey Hayes full floating, 4 piston caliper disk brakes with ss sleeves in the bores.

I had AAA insurance and here is what happened. They rented a car for me. But I had to use my Visa for the deposit. It was $500 a month deposit. AAA dragged their feet and lowballed me. I had most receipts and lots of pictures.
Second month came by and the rental co. hit me for another $500 deposit though AAA was paying the rental fee.
They finally made a third offer and I refused it and said I wanted a replacement 67 Camaro. Factory V8 with factory stick and factory disk brakes. They made a fourth and final offer and said take it or leave it. It was about half of a fair market value based on my investment or the cost to replace it.

I hate thieves too. I also hate the mfg.'s and sellers of blank VIN plates for old jeeps. You can buy them very easily. On fleabay or even from some vintage jeep parts sellers online. Some places will even stamp them for you with whatever you tell them to. They even sell the rivets that look original. All a thief has to do (and they know this quite well) is do a VIN/title search. If its not on file, they file for a lost title. Bingo. They now have a legal titled jeep for their enjoyment or to sell to an unsuspecting buyer.
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Old 07-08-2013, 08:06 PM   #24
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In case someone seen it anywhere.. you never know....

<div style="width:480px;text-align:right;"><embed width="480" height="360" src="http://pic2.pbsrc.com/flash/rss_slideshow.swf" flashvars="rssFeed=http%3A%2F%2Ffeed182.photobucke t.com%2Falbums%2Fx197%2Fdukey3784%2FWrangler%2Ffee d.rss" type="application/x-shockwave-flash" wmode="transparent" /><a href="javascript:void(0);" target="_blank"><img src="http://pic.photobucket.com/share/icons/embed/btn_geturs.gif" style="border:none;" /></a><a href="http://s182.photobucket.com/user/dukey3784/library/Wrangler" target="_blank"><img src="http://pic.photobucket.com/share/icons/embed/btn_viewall.gif" style="border:none;" alt="dukey3784's Wrangler album on Photobucket" /></a></div>
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Old 07-08-2013, 08:44 PM   #25
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Shop for comparible vehicles to the one tha was stolen. Document what the actual replacement cost for a comparible jeep would be and keep moving up the food chain until you get to a reasonable intelligent person to make your settlement.
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Old 07-14-2013, 11:04 AM   #26
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So they found my Jeep.... Ignition is gone.. they used a screwdriver.... Here's some pics.. what damage we look at guys???

Jeep Damage Photos by dukey3784 | Photobucket

Iginition key switch is broken off.. some minor body damage.. and a sound on the back wheel.. not sure what it is....seems like the ramped it and losened the muffler.. broke the keyed gas cap. Also curb rash on one of the wheels.

How much damages you think this is?

PS I am curious.. My Jeep as a programmed key.. I didn't know that you can bypass this by removing the ignition lock??? this seems to make the program key useless
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Old 07-14-2013, 01:39 PM   #27
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does not look to bad, glad your getting it back...
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Old 07-14-2013, 03:48 PM   #28
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Found this on a viper alarm help site about the sentry key. Im baffled how they hot wired yours. One reason I never put in an auto start in Alaska was I would have had to leave a spare key behind the dash. Or pay for a really expensive code learning one. Love the locking gas caps, Probably stopped the idiots from refueling and having a longer joy ride.

The SKIS uses a Radio Frequency (RF) transceiver and electronically coded Sentry Key transponders to verify that a valid key is inserted in the ignition switch lock cylinder. If the SKIS recognizes the key as valid, it sends messages to the PCM that will allow the engine to run. If the SKIS does not recognize a valid key, the engine will not run. While the engine starting system will operate and the engine may initially start and run up to about 800 revolutions-per-minute on residual fuel pressure, the vehicle cannot be driven without a valid Sentry Key transponder.
The SKIS includes two valid Sentry Key transponders from the factory. If the customer wishes, additional non-coded blank Sentry Keys are available. These blank keys can be cut to match a valid ignition key, but the engine will not run unless the key transponder is also programmed to the vehicle. The SKIS will recognize no more than eight valid Sentry Key transponders at any one time.
The SKIS performs a self-test each time the ignition switch is turned to the On position, and will store Diagnostic Trouble Codes (DTCs) if a system malfunction is detected. The SKIS can be diagnosed, and any stored DTC can be retrieved using a DRBIII® scan tool as described in the proper Diagnostic Procedures manual.
See the owner's manual in the vehicle glove box for more information on the use and operation of the SKIS
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Old 07-15-2013, 08:53 AM   #29
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Interesting how they were able to get it if you had the SKIM key. I wonder how they were able to bypass it? Removing the ignition shouldn't allow that, the module is supposed to sense if the key is there or not.

I'm interested in this because someone tried to steal mine a few weeks ago
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Old 07-15-2013, 09:48 AM   #30
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Check out Ravelco.

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