Insurance companies seem to ask the same questions: Were the keys in the car when it was stolen? Did you ever get a duplicate set made? Do you have the key or keys in your posession? I'm pretty sure they do not ask this unless there is a reason. Here's another question along the saem line... Will an insurance carrier cover a car that was stolen with the key's locked in the car?
No, but if you have roadside assistance it can. Call your agent to find out more about the coverage that you have or could have on your insurance policy.
if you have comprehensive coverage, most cases yes, some companys/policys have exclusions for the 'keys in the car' thefts, but most do not.....check turn in the claim.......
No, Homeowners insurance does not cover the cost of lost keys.
Leave the car where there are a bunch of cars stolen at, and leave the keys in it and the doors unlocked, then wait a couple of days and it should be gone.
Yes, key finders handle auto keys and home keys as well. The key finder is a device that goes on the key ring, or on the back of the key. You can go to a local hardware store to buy a key finder.
If you mean the keys to a business, then the management usually has insurance to cover the replacement cost of keys and locks.
Yes it will but expect higher premiums if you're not cancelled .
You can back up to it with a tow truck and tow it away
A stolen vehicle is just that, a stolen vehicle. Were the keys accidentally locked in the car? Had a locksmith been called to unlock the vehicle and get the keys back to the reg. owner? There will be many questions that would require an answer for the claims adjuster investigating the claim. Was this a regular habit of the insured to leave the keys locked in the vehicle? Were they locked in the car so that another individual having a remote to unlock the vehicle and use the car at their discretion implied? Was a police report filed in a timely manner of the theft? If the keys were habitually locked inside the vehicle, it would obviously, not be a reasonable or prudent thing to do. However, if the keys were left in the vehicle by accident, and someone broke-in, and there is evidence of this break-in when or if the vehicle is recovered it will obviously lend credence to the insured's loss statement. Either way, the insured can still file the claim and the insurance company will still have to cover the loss, pay the insured for the market value of the vehicle less any comprehensive coverage deductible. Most likely, future claims on the policy of this particular insured will be flagged and investigated thoroughly because of this loss. Suggestion: read your auto policy coverages and exclusions, and be informed of what your policy does and does not cover. Most auto policy also designate that a police report must be filed within a certain time frame of the theft of a vehicle. If theft occurs from an individual or relative resident of the home gaining access to the keys that are left on a counter-top or hanging on a key ring, In this case, if the vehicle is taken, it is considered "implied consent" by virtue of the keys access to residents of the household. Every auto policy has different exclusions noted for certain circumstances and existing conditions. Therefore, I again suggest all insureds read those policies and exclusions policies.