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

Tiny car with coins and finance paperwork
We all make mistakes, like leaving keys in our car while it’s parked in Waterford, assuming it will be safe. And while that’s the case most of the time, you just can’t predict when a car thief is going to take advantage of an opportunity. In the aftermath of an auto theft you might be wondering, “Does car insurance cover stolen cars if the keys are left in it?”. It depends on what kind of coverage you have. The finance department at Old Saybrook Hyundai explains the different types of insurance coverage. Does your insurance cover a stolen car? Let’s find out.

Does Insurance Cover Stolen Cars with Keys Left Inside?

If you drive in Madison with comprehensive insurance coverage, there’s a good chance your insurance does cover a stolen car. Here’s a bit of what you need to know about comprehensive coverage:

  • While liability and collision insurance coverage are designed to protect you, your vehicle, and other drivers in an accident, comprehensive insurance coverage covers all additional situations, including theft.
  • With comprehensive insurance, drivers can receive damages for the vehicle contingent on their deductible and policy terms.

Does your car insurance cover your stolen car if the keys were left in it? Check your insurance policy or contact your insurance agent as soon after the theft as possible to verify that your car is covered.

How Can I Replace My Car Keys?

Even if your car is recovered, you might need to replace the keys before you can get back on %%tartget_city_2%% streets. Especially with smart keys, not everyone has a spare key for such emergencies. Here’s how you can proceed to getting replacement keys:

  • Check your insurance policy to see if stolen car keys are covered under your plan or warranty.
  • Visit the Old Saybrook Hyundai service department to find out your replacement options, with or without insurance. You’ll need your VIN number, make, model, and year in order to have a replacement key made.

Get More Auto Insurance Information at Old Saybrook Hyundai

Does car insurance cover stolen cars if the keys were left in it? Now that you know where to find the definitive answer to this question, you can move on to learning more about automotive finance and insurance with Old Saybrook Hyundai. Check out our car-buying tips, and when you’re ready to buy, apply for financing with us.


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