One hundred car owners got an abrupt wake-up call last year when a  disgruntled former dealership employee in Austin, Texas, used an  Internet-based vehicle immobilization system to reach out and touch  their lives. 
  Electronic boxes installed by the used-car dealer receive a signal  through a pager system. The horn honks, for example, when a payment is  due. If payments are delinquent, the ignition is disabled.
  
Working from his home, moving alphabetically down a list of  unsuspecting -- and paid up -- customers, the fired employee remotely  set off car horns and disabled engines.  
  The damage that can be done by a few malicious keystrokes grows as cars  become rolling high-tech showcases.  Like any vandalism or theft, any  physical damage due to car hacking is covered by your comprehensive car insurance,  but that doesn’t reduce the creepiness of corporate monitoring, the  tedium of repairing a stolen identity, or the nagging fear that your  safety has been compromised.  
  A recently released report from the computer security company McAfee  pulled together research done by several universities to evaluate the  potential security threats to a cars' electrical components, which can  be found in everything from radios to anti-lock brakes to electronic  stability control systems to infotainment systems.  
  The threat to your car and your privacy is real, the studies find.  
  "It's not just theoretical. Attacks can take place," says Tim  Fulkerson, senior director of marketing for McAfee Embedded Security.  
  Even the auto industry agrees. The subject has "kind of been lurking  under the radar," says Peter Byk, an engineering specialist in the SAE  International ground vehicle standards group, which formed a committee  this spring to begin discussing safety and privacy concerns.  
  
Don’t get out your tinfoil hat -- yet
  
  The McAfee report looked at  the potential for cybercriminals to track a  driver's location, steal personal data from Bluetooth, disrupt  navigation systems, disable emergency assistance systems and to unlock  cars and start them remotely using cell phones.  
  So far the potential risks uncovered by researchers haven't translated into major problems in real life. 
  "We're not aware that anything like this is happening in the real  world," says Russ Rader, spokesperson for the Highway Loss Data  Institute. "There's no indication that theft claims are going up as  electronic systems proliferate; theft claim frequency is going down."  
  The National Insurance Crime Bureau also has not received reports of  vehicles being hacked, says spokesperson Frank Scafidi. "People should  not be losing sleep over the report." 
  At the same time, he acknowledges "there is no such thing as a totally secure system."  
  Fulkerson says the goal of the McAfee report is to raise consumer  awareness of the potential security threats. In addition, as more  electronic bells and whistles are added to vehicles, the potential for  problems rise. 
  Even something as simple as an MP3 player that is plugged into your  car's stereo system should have antivirus protection, Fulkerson says.  
  
Driving distraction and risk? We asked for it
  
  Virtually every automaker offers some sort of onboard connectivity as  mobile technology develops to meet consumer desires and needs. But what  are the ramifications of being connected while behind the wheel ? 
  We already know that drivers’ insistence on seamless connectivity with  the outside world creates huge safety issues of its own. (See “The mixed message on cell phone use.”)   
  It’s clear that drivers are willing to give up some of their privacy as  well. For navigation to work, the computer has to know where you are.  For “phone home” to dial correctly, your contacts need to be accessible.  Data goes out, data comes in. 
  More than 6 million drivers in the U.S. use General Motors’ OnStar  telematics system to ask for directions, access e-mail, get weather  reports and ask for emergency services. Its GPS functionality also  allows authorities to track a stolen car. 
  (They’ll trade their information for cheaper car insurance rates as well. An OnStar subscription is a key component to State Farm’s In-Drive program, which tracks driver behaviors and mileage and rewards low-risk drivers with discounts up to 50 percent.)  
  In a telling indicator of the kind of pressures the marketplace will  witness in coming years, OnStar recently backed off proposed changes to  its privacy policy that would have maintained its data connection to  customers’ cars even after they ended their $199-a-year subscriptions.  Before customers challenged the decision, OnStar had planned to keep the  pipeline open and reserve the right to sell data gathered -- aggregated  and without private information attached, of course.  
  
Could a hacker crash your car?
  
  Research funded by the U.S. National Science Foundation and conducted  by the University of California San Diego and the University of  Washington found that a cybercriminal with a laptop could access the  internal network of two 2009 autos "to take over a broad array of  safety-critical computer systems." 
  The research found, for example, that brakes could be disengaged while  the car was in motion, making it nearly impossible to stop; or  activated, forcing a sudden stop.  
  Another study, by Rutgers University and the University of South  Carolina, found that radio frequency identification (RFID) tags,  designed to keep track of vehicle tire pressure, can be used to track a  vehicle and can pose a threat to passenger privacy if a cybercriminal  uses a powerful long-distance reader. 
  Perhaps worse, the threats aren’t necessarily all linked to the car. A  Facebook password stored in the car’s electronics systems, allowing  updates on the fly, could tip off a stalker or burglar if he or she  gained access to it. 
   As the number of electrical components in cars increases each year, it  creates an increasing number of avenues for potential hackers to breach  auto security, Byk says.  
  For example, the idea of someone potentially using RFID tags in a  malicious manner "probably wasn't even considered" by automotive  engineers, Byk says.  
  
Protecting a moving target
  
  Andre Weimerskirch, chief executive officer of ESCRYPT Inc., one of the  partners in the McAfee study, says components must be protected so any  potential attacker "needs to get through a security wall." 
  Weimerskirch says he's seen an increase in concern by auto  manufacturers in the past couple of years, as they try to "anticipate  risks and want to mitigate them."  
  The committee formed by SAE International members this year is  discussing things such as  testing and design standards for embedded  electronic devices, Byk says, and plans to come up with strategies to  identify and prevent potential security breaches. 
  Another topic will be how to mitigate the potential harm if a security breach occurs.  
  But hacking into an auto isn't a simple task. "It requires a certain  amount of technical know-how to execute," he says. Cybercriminals not  only need to have strong computer skills, they also have to be good at  hacking.