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

Car keys in a lock


Many of us have accidentally left our keys in the car, however, some cases can be much more unfortunate if they result in car theft. While there are several responsibilities thrown to you all at once, one of the many questions you may have is: “Does car insurance cover stolen cars if the keys are left inside?” There are ways you can ensure your next vehicle is covered and recover an extra set of your keys to keep moving on Mesa and Surprise roads. Learn more at Cactus Jack's Auto today!

Does Insurance Cover Stolen Cars with Keys Left Inside?

So, does insurance cover stolen cars if you leave your keys inside? The short answer is yes; however, your insurance may only cover it if you have comprehensive insurance. It it crucial that you know your insurance plan includes comprehensive coverage as it provides the following advantages in this particular incident: 

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

How Can I Replace My Car Keys?

Just as there are several ways you can recover your vehicle, the same can be said when you’re looking for an extra set of car keys. Here are a few ways you can replace your stolen car keys with a spare to get back behind the wheel: 

  • Check your insurance policy, as stolen car keys may be covered under your plan or warranty. 
  • Visit your local dealership for replacement options.
  • Write down your VIN number, make, model, year, and work with a locksmith to create a replacement. 

Find More Auto Insurance Information at Cactus Jack's Auto

Along with knowing more about how car insurance can cover stolen cars if the keys are left inside, find more ways to stay safe on Surprise roads at Cactus Jack's Auto. Our team can provide you with helpful service and financial information to help you make the best decision on your next ride. They can even preview our weekly specials which offer great savings on a range of models. Contact us today for more information and to schedule a visit at our dealership here in Phoenix!


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