You can buy (on the usual dodgy places) a briefcase with a multi-car unlocker which will unlock lots of different cars if turned on in a car park, allowing you to then empty out the contents of any car that does then unlock.
And since there is no smashed window, insurance won't pay out either.
Modern systems have some form of protection against brute force and replay attacks but personally I don't trust them.
I think the main drawback of wireless unlocking is that hacking it is less conspicuous. If you have a device that can unlock a car in 10 times the time it takes with the legitimate key that looks suspicious if you spend that time holding an object to a keyhole, it's completely unnoticeable if you stand a couple meters away on a parking lot doing it wirelessly. Even worse with a method that works on 10% of cars: with a physical keyhole you go from car to car, looking very suspicious, with a wireless device you just stand there and go to the first car that unlocks.
I agree with the inconspicuousness of wireless hacking, but I wouldn't even call it the main drawback: the main drawback is that many insurance companies won't pay a dime if there are no signs of entry at all. Break a window, steal an entertainment system, and the original owner probably gets some money for window repair and a new part. Do the same thing digitally and the insurance company will probably tell you to pound sand.
He was worried that insurance wouldn't replace the hood but would just pay someone to try to knock them back into shape, which was unacceptable to him. So he went and bashed up the hood himself with a bat. The insurance claims guy came out to inspect it and said: we'll replace the window and we'll have a shop hammer out out the damage in the hood.
Served him right.
In a simple form it seems like this: The attack is you have a briefcase that contains specific RF transceiving components in it. You turn the brief case on in a hidden place, leave it, it records data, you come back to it later, and then press a button(s) that replays those RF signals.
Perhaps, there's some very weak cars that don't even need a replay, but are vulnerable to a master key, or bruteforce, or something else.
If you have comprehensive insurance (which is what would cover a stolen car), they'll pay whether or not it was broken into, you left the keys in it, or even if you left the engine running while unattended.
https://www.progressive.com/answers/car-theft-with-keys-in-c...
As long as you have comprehensive coverage, you can file a claim if your car is stolen while left running. Comprehensive can still pay to replace your vehicle if it's stolen while your keys are inside it or if you left it running.
Car insurance won't pay for any personal effects stolen from the car, that would be covered by homeowners insurance, but as long as you have a police report, they'll cover it. I had a bicycle stolen from my (unlocked) car while parked in a garage -- homeowners insurance just asked for the police report, then sent me a check for the bike. They d