Does car insurance cover a stolen car if the keys were left inside?

If you have comprehensive coverage on the vehicle, then you're generally covered if it's stolen — even if you left the keys in the car. If you're a victim of auto theft, contact your local police station to file a report, then get in touch with your insurance company.

Does insurance cover a stolen car if left running?

As long as you have comprehensive coverage, you can file a claim if your car is stolen while left running. It's best to not leave your car running when you're not in it.

Are there times when insurance won't cover a stolen car?

You won't be able to file a claim for a stolen car if you don't have comprehensive coverage. You'll be responsible for paying out-of-pocket to replace or fix your car.

Your comprehensive insurance can help you replace or repair your stolen car up to your coverage limits, but it doesn't cover items that were inside when it was taken. But you're not out of luck — your homeowners or renters insurance policy can help you replace personal belongings that were inside the stolen car, up to your coverage limits. This can include items like your handbag, smartphone, or laptop.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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