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. Comprehensive can still pay to replace your vehicle if it's stolen while your keys are inside it or if you left it running.
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 your car instead. Insurance companies may also deny any claims that they suspect of being fraudulent.
Your comprehensive insurance can help you replace your stolen car, but it doesn't cover any 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.