Auto Insurance
Auto Insurance Claims

Will the insurance company pay for a vehicle that is stolen while the keys are in it or running with the keys in it?


Top Answer
User Avatar
Wiki User
2015-07-17 17:38:09
2015-07-17 17:38:09

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.

More Information:

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.


Related Questions

User Avatar

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.

User Avatar

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

User Avatar

You should report the theft immediately to the police and to the car owner's insurance company.

User Avatar

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.

User Avatar

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.

Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.