What Type of Insurance Covers Your Car if It’s Stolen with the Keys Inside?
When you experience the unfortunate incident of having your car stolen with the keys inside, you want to file a claim as soon as possible. Any delays could leave you holding the bag and possibly under investigation for fraud, even if you have a legitimate claim. So, expediency is of the utmost importance.
Knowing how to file a claim is the first step, and which portion of your policy to file it under. Remember that each state has its own rules on who can claim this benefit.
Comprehensive
The first place to claim will be under the Comprehensive portion of your insurance policy. They will want detailed information about you and the incident:
- Policy information
- Location of the keys before/after the incident
- Information on those who had access to the vehicle.
- Description of your car: mileage, upgrades, service record
- Contact info on lender or leaseholder.
Uninsured/Underinsured Motorist
Uninsured/Underinsured Motorist will help if you have any type of incident while the thief is behind the vehicle. It keeps you from suffering any loss, especially if the thief does not carry insurance of their own.
- Property damage
- Medical bills
GAP Insurance
Here is one insurance you will want to have if you lease your vehicle. You probably heard the adage that your car loses value the moment you drive off the lot. Well, after time, the depreciation becomes more evident. However, suppose you were to experience a total loss on your vehicle. In that case, especially if your car is stolen with the keys in it, GAP insurance covers the difference between what you owe and what the actual cash value is on the vehicle.