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Ok, first of all, in order to PIN lock the unit, you have to enter the same exact 4 numbers twice in a row. Even if your 2 year old was coordinated enough to do that, the security location for the unit is the location at which the PIN was entered. Therefore, assuming you were not touring Europe at the time the PIN was entered, the unit would unlock whenever you returned to where the unit was locked originally.
No, resetting the unit will NOT reset or remove the PIN. The only other thing you can do is send the unit back to Garmin. But beware: if you cannot prove to Garmin you legitimately purchased this unit, they will NOT return it to you.
Take it back to the 'secure location' as indicated in your service manual. It will automatically unlock when it gets a full satellite signal. You have to enter the PIN number twice when setting up the unit. You should always use a number which is familiar to you so you can remember it. If you can't remember it, and if your secure location doesn't unlock the unit, you will need to send the unit to Garmin to unlock it. You will need your receipt for Garmin to unlock the unit.
Unfortunately, even if you perform master reset on Garmin GPS unit, it does not reset Garmin Lock security feature, which password-protect most Garmin electronic devices to deter theft. If you forget the PIN or password unlock code to unlock the Garmin unit, the best solution is to bring it to Garmin to get unlocked. “Secure Location” does not unlock a locked Garmin unit either as it’s only a temporary fix as when it’s turn on outside the security location, the device is locked again."
So unfortunately, there is only one option: You have to send your nüvi into the Garmin, who can unlock it. Remember original receipt.