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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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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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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.


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


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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.


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 vehicle is stolen from your home which insurance covers?

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No, as long as you have let your insurance company know they car is stolen.