Does Car Insurance Cover Stolen Cars If Keys Are Left In?

Car keys in a lock


When you’re running errands around the Pineville area, it’s an easy mistake to leave your keys in the car. Unfortunately, leaving your car keys behind can lead to car theft — but does car insurance cover stolen cars if the keys are left in the vehicle? In short: if you have comprehensive insurance, it will be covered. Keep reading to learn more about your coverage options, as well as how you can retrieve your vehicle and your keys after a theft.

Does Insurance Cover Stolen Cars with Keys Left Inside?

If your vehicle gets stolen and you left the keys inside, your insurance company may cover it, as long as you have comprehensive insurance. Here’s a quick overview of what comprehensive insurance does: 

  • Coverages like liability and collision insurance are made to protect you, your vehicle, and others in the event of an accident. Comprehensive insurance covers all additional cases, including theft. 
  • With comprehensive insurance, Harrogate drivers can receive damages for the vehicle contingent on their deductible and policy terms. 

In any case, you’ll want to consult your insurance plan to ensure that your car has comprehensive coverage. 

How Can I Replace My Car Keys?

Other than getting your stolen, the other predicament you’ll likely encounter is getting the vehicle and your keys back. Here are some way you can replace your stolen car keys:

  • Check your insurance policy, as stolen car keys may be covered under your plan or warranty. 
  • Visit your local Chrysler, Dodge, Jeep, Ram dealership for replacement options. The service department team at Tim Short Chrysler of Middlesboro will gladly help you get replacement keys. 
  • Write down your VIN number, make, model, year, and work with a locksmith to create a replacement. 

Learn More About Auto Insurance With Tim Short Chrysler of Middlesboro

As you can see, having the proper insurance coverage can make all the difference when you run into various vehicle predicaments in Ewing. Reach out to us if you have any additional insurance inquiries like, “Is gap insurance worth it?” Our finance team is dedicated to helping Middlesboro-area customers to secure the best coverage possible!

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