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The Risk of Warming Up Your Car in the Morning
By Ivy Crum,

As winter moves in, so does the cold temperatures. It is something that anyone who lives in a seasonal region has done—gone outside to start your car to warm up, then head back inside to finish your morning routine. Although idling and warming up a car is a seemingly normal, safe thing to do, it creates a crime of opportunity for thieves.

Leaving your key’s in the ignition for a prolonged period of time is an open invitation for burglars to steal possessions from your car or even steal the car itself. Leaving your vehicle idled is an avoidable risk and your Insurance company expects that you will responsibly secure your vehicle. 

A safer alternative is a remote starter but here is some food for thought:

The U.S Department of Energy has provided some information that might make you think twice about leaving your car running for too long – most of today’s cars do not require more than 30 seconds to warm up.  If a car will be sitting for longer than 10 seconds, it will require less gas to restart the car than to leave it idling for several minutes. An idling car can burn as much as a half-gallon of gas in an hour, so turning the car off is more fuel efficient and causes less air pollution.

In the event that you fall victim to auto theft, comprehensive coverage will cover the stolen vehicle, but the claim could be denied if it was stolen while you left it running unattended. Personal items are generally excluded under your auto policy and instead covered under your homeowners or renter’s policy.  To learn more about how your car is covered after a theft, contact a trusted AssuredPartners agent or visit: AssuredPartners Personal Insurance.

AP Blog

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