Does Insurance Cover a Stolen Car if Keys Are Left Inside?

If you leave your car keys inside a stolen car, will your insurance company cover the vehicle? The short answer is that it depends. Some insurance companies may not cover a stolen car if the keys are left inside, while others may. It is important to speak with your insurance company to find out exactly what their policy is on this issue.

Conclusion

The answer to this question is complicated and depends on the specific policy that you are quoting. In general, most insurance companies will not cover a stolen car if the keys are left inside. This is because the policy typically excludes coverage for items that are left in plain view. If you have a security system installed on your car, make sure to speak with your insurance company about whether or not it covers theft of your vehicle if the keys are left inside.