Does Insurance Cover Stolen Cars If Keys Left? -important update

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One of the most common questions people ask after their car has been stolen is, Does insurance cover stolen cars if keys are left inside? The answer to this question depends on your car insurance coverage and how your policy was written.

Also, while you may be under the impression that your car insurance company will always cover your loss in full, this doesn’t necessarily mean they will make it easy on you when it comes to recovering your money—especially if there was anything at all you could have done to prevent it from happening in the first place.

How do I know if my insurance will cover a stolen car?

If you have auto insurance, theft is generally covered. But there are a few caveats. If you have your car stolen because you left your keys in it, your insurer might not cover it.

Almost any lapse on your part could lead to coverage denial, depending on your specific policy and company. Ask questions to know exactly what will be covered and how to file a claim if it happens to you. And always keep those keys out of sight!

Will my insurance company pay the full value of my car if it’s stolen?

Your insurance company will pay you the full value of your car if it’s stolen. However, keep in mind that there is a deductible that you are responsible for paying.

In addition, your insurance company will only pay the full value of your car if it has comprehensive coverage – which is an optional add-on to basic liability coverage.

Without comprehensive coverage, your insurance company won’t cover any losses if the car is stolen—including any lost income resulting from not having access to your vehicle for work-related travel.

What type of insurance covers your car if it’s stolen?

There are two main types of insurance that covers your car if it’s stolen, comprehensive and collision. Collision insurance covers damage to your car in a car accident.

Comprehensive insurance covers any damages to your car from things like theft or weather. Many drivers opt for auto insurance policies that cover both types of damage to their cars since it’s relatively cheap.

In some states, it is illegal not to carry comprehensive or collision on your vehicle if you have a loan against it, so be sure to check your state’s laws if you have an auto loan through a bank or credit union before deciding what type of auto insurance policy you need to buy.

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Does insurance cover a stolen car if you left it running?

It’s a fairly common misconception that if you’re in your car and you’ve left it running with keys in it, it’s stolen. However, there are several exceptions to insurance companies covering auto theft.

For example, if you borrow your friend’s car but leave their garage door open, the policy won’t cover a stolen vehicle. That goes for apartment buildings, too: cars left running inside secured garages aren’t covered under auto insurance.

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Many people like to let their cars warm up before getting into them. Turning on their vehicles’ defrosters does help prevent ice buildup on windshields during cold weather months.

To avoid leaving your keys in a running car, try putting them somewhere out of sight, like on top of your dashboard. Or take advantage of remote starters and keyless entry systems that keep your car locked until you approach it.

How much damage is covered if my car is stolen with the keys inside?

Unless you have comprehensive coverage, your car insurance only covers damage caused by accident. If the keys were inside when the car was stolen, and the car gets damaged while being driven away, your insurance doesn’t cover that.

The same goes for your valuables being stolen from the car when it’s still locked up. It also doesn’t cover damage to a stolen vehicle that’s being driven away or a hijacked vehicle.

If basic car insurance won’t cover a stolen car, what will?

Basic insurance coverage won’t protect you if you forget to lock your car or truck, leaving it vulnerable to theft. A basic auto insurance policy covers damage from a collision and theft of your vehicle, not accidental loss.

Your insurance company may investigate and pay for a stolen car if you can prove that: 〈leaving keys in the ignition〉〈driving off with doors unlocked〉 weren’t factors in a stolen car case, and 〈your garage was secure (locks) on all doors, windows were closed〉.

In some cases, an investigation could lead to coverage denial as a stolen vehicle – especially if you left an engine running while parked outside.

When would an insurance company deny a claim for a stolen car?

An insurance company would deny a claim for a stolen car if you were not following your policy guidelines. There may be an instance where they would cover it, but they would never want to pay out because it is a rule that you don’t leave keys in an unattended vehicle. It may depend on how badly damaged or how expensive a car was stolen.

Does Car Insurance Cover Theft of Personal Items?

Having your car stolen is frustrating enough, but dealing with issues such as police reports and proving you have a vehicle in case of an emergency can be even more challenging.

And then there are all those personal items, like laptops, GPS units and purses, that were in your car when it was stolen. Whether car insurance covers the theft of personal items will depend on several factors.

But it’s worth noting that your insurer may not even offer coverage for valuables lost from your vehicle unless you pay extra for it.

FAQs

Can you report your car stolen if they have the keys?

Yes, in most cases. Having the keys to your car stolen is no excuse for not reporting it stolen if you don’t have auto theft coverage. So, when you have your keys stolen from you, report it to the police as soon as possible and let your insurance company know what has happened (or call them immediately after you file a report with the police).
Make sure that you get a copy of the police report so that you can give it to your insurance company at some point during the claims process.

Will my insurance cover my car if it’s stolen?

Yes, you will be covered if your car is stolen because your insurance company assumes that you are, in fact, liable for any losses associated with said car. You’ll want to check with your specific insurance provider to make sure.
Still, yes, it’s safe to say that in most cases, if your car is stolen and it was parked at home, and you left keys inside or locked a car door without locking all of them, then yes, you will be covered.

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