What is a Starter Interrupt Device?
A starter interrupt device (SID), or sometimes known as a “kill switch”, is a technological tool integrated with a vehicle’s GPS system that allows lenders or dealerships to remotely disable a vehicle’s starter. This means while the device is activated, the car won’t start, though it won’t shut off a running vehicle.
Why Do Dealerships and Lenders Use Starter Interrupt Devices?
While not universal, starter interrupt devices have become increasingly common for buy here, pay here lots and financiers of cars to secure their assets by making repossession easier. These can be one of the features of GPS systems that help the lender track the location of the vehicle. Some finance companies encourage their use and provide incentives to dealerships that install the devices.
These devices serve several purposes:
- Improved Collections: They help ensure timely payments for their loans from borrowers
- Risk Management: Combined with GPS tracker functionality, they help the company locate vehicles when necessary
- Financial Incentives: Some lenders offer dealers additional compensation for installing these devices
- Industry Standard: They’re particularly common in the “buy here, pay here” automotive sector, although not every dealerships uses them
How Do Starter Interrupt Devices Work?
The system operates through a simple mechanism:
- The device connects to the vehicle’s starter system
- When activated remotely, it prevents the vehicle from starting
- Once a payment is made, the lender can quickly reactivate the vehicle through an online command
- The device is typically concealed and may not be immediately visible to the driver
Where Are Starter Interrupt Devices Located?
The main unit is installed somewhere inside the vehicle and has wiring run to the vehicle’s starter under the hood. The device requires connection to a constant power wire and ground. Most installations are designed to be discreet and not immediately visible.
Best Practices and Consumer Considerations
The devices are legal in many states, including Texas, as long as they follow certain guidelines and provide proper disclosure to the customer.
Dealerships should typically follow several best practice guidelines when using these devices:
- Full disclosure to customers before purchase and leaving the lot
- Written acknowledgment from buyers
- Implementation of grace periods (typically 3-4 days) before activation
- Activation during early business hours to allow customers time to make payments
- Installation of backup devices in case of tampering
Tampering with devices may affect financing agreements you have with your dealership or financier.
For consumers purchasing vehicles with these devices:
- Ask about the presence of starter interrupt devices
- Read and understand all documentation
- Know your grace period for payments
- Understand the consequences of tampering
- Keep contact information for your lender readily available
This technology represents a modern approach to vehicle financing, balancing lender security with consumer access to transportation. While controversial to some, when used properly with full disclosure and fair practices, these devices can help make vehicle financing accessible to more consumers while protecting the interests of lenders.
