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Originally Posted by Peaches
My keys, wallet, checkbook, etc. are in my unlocked car right now. 
And unless your insurance company specifically states they WON'T cover it, they will. It's still ILLEGAL to take something that's not yours - it doesn't matter if the keys are in it or not. |
Almost EVERY insurance company has stipulations about keys in the vehicle. Some specify in the vehicle period, some specify in the ignition.
I never actually checked my policy over for that. I should. I do know though that I am covered for up to $250,000 in personal damage and medical bills.
One thing though, if the vehicle is on your property and the car is stolen and the insurance company refuses to cover it due to the keys being in the car the home unsirance policy will most likely cover it.