Does Auto Insurance Cover Stolen Car With Keys Left In Ignition?
Reader’s Question:
If your vehicle is stolen while the keys are still in the car does full coverage car insurance still cover the car in New York? What if the car is under someone else’s name?
Allan
New York, NY
Let’s say you are using a friend’s vehicle with their permission and it was stolen while the keys were in it, your friend’s comprehensive coverage should cover the car. But, there are certain exclusions that may apply. Ultimately, the claims adjuster would know if this loss would be covered.
The claims process differs by insurance company. You can expect it to take three to thirty days depending on the situation. It would be best to keep your car insurance payments current until the lien has been settled. You may also want to consider getting GAP insurance too.
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