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If you leave your car running with the keys in it, and it's stolen, an insurance company might say you've increased the risk of the vehicle being stolen exponentially, and therefore the coverage wouldn't apply. They could also argue that you didn't mitigate your damages, or try to avoid a loss.

The problem, of course, is that you pay your carrier for a coverage, and denying that coverage is very, very difficult. Courts generally find in favor of the policyholder, not the insurance company. And, of course, your carrier may say you are partially liable for such a loss, but when you get right down to it, the person who's really liable is the actual car thief.

If you're facing a problem with your carrier regarding this, you might want to seriously consider approaching the division of insurance for your state, who would have any case law that applies. They can also "light a fire" with your carrier to handle the claim.

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I've heard of some carriers attempting to include language in their policies for this sort of thing, where coverage is excluded if the vehicle is left running and/or the keys are left in it. So far, I haven't seen such an exclusion stand up in court, but I could be wrong.

The idea behind this is that your insurance covers standard risks that we all face. One of those risks, of course, is having our cars stolen, which is covered under comprehensive coverage.

If there is a local ordinance against leaving an unattended car running, it would certainly reduce your chances of getting an insurance settlement.

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โˆ™ 2015-07-17 17:38:09
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Q: Will the insurance company pay for a vehicle that is stolen while the keys are in it or running with the keys in it?
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Whose insurance covers items stolen from a company vehicle at home?

I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.


If your auto is hit by a stolen vehicle who will pay for losses like deductibles and other expenses?

You or your insurance company. The owner of the stolen vehicle would not be responsible because their vehicle was stolen and the driver of the stolen vehicle's insurance would not cover it because he was driving a vehicle that was not on his policy and he did not have permission to drive.


Whose insurance company do we report to if the vehicle that was stolen was borrowed from a friend?

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If a vehicle is stolen and is only covered by PLPD will the insurance company pay for the loss?

You must have comprehensive coverage in order to recover on a claim from your insurance company if your vehicle is stolen. Liability only is just that, liability for your legal liability for damage or injuries to others.


What can you do if your car was stolen and you only have liability?

Unfortunately, there is nothing you can do with your insurance company. If you only have liability insurance, they do not pay anything to have your vehicle replaced.


Will insurance still cover your car if its running and gets stolen?

Probably but that's not very smart to leave your vehicle running and unlocked in an area where it may be stolen. You do have an obligation to mitigate damages to your property.


If vehicle is stolen from your home which insurance covers?

Either.


Can the insurance company deny your claim for stolen vehicle if the car payments are behind?

No, that wouldn't be a reason for claim denial. It may be a reason for them to investigate you for insurance fraud.


Do you have to continue paying your insurance if your car is stolen?

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If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the damage to the second vehicle?

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If a car that was reported stolen hits your car why would the stolen car's insurance company refuse to pay for damages?

Probably because the owner did not exercise normal precautions and by leaving the keys in the vehicle actually participated in its theft. Call that lawyer who advertises on TV. If he can't get the insurance to pay, he'll get a judgment against the owner. The owner of a stolen vehicle is not responsible for the actions of the thief that stole their vehicle. If there is no liability on the owner, the insurance company does not owe the claim for property damage to others.

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