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If your car is broken into with the keys still inside, you will be required to submit an insurance claim under comprehensive coverage. The deductible will depend on the type of policy and the limit.
You must take steps to protect your vehicle from being stolen. Here are a few suggestions:
Taking preventive measures
A car is the largest investment you'll ever make. It is advisable to take every precaution to safeguard it. Preventive measures can help you reduce the likelihood of theft and increase the odds of regaining your vehicle in the event of theft with keys inside.
One of the best ways to ensure that your vehicle safe is to install an anti-theft device which includes a GPS tracking device. These systems incorporate GPS and wireless technology to enable you to keep an eye on your car. The technology alerts the police or a monitoring service whenever the vehicle is moved. They can also track vehicles that are damaged or missing which can be helpful in locating it.
Another way to prevent theft is to lock the doors and open the windows of your vehicle when you park it, even if you are only going to be away for a short period of time. Tens of thousands of vehicles are stolen each year in the U.S. because the owners leave their vehicles unlocked with keys in their ignitions or somewhere else. Unlocked vehicles can be opened by a skilled thief, even in the case that the window is just moved by an inch or two inches.
Parking in garages and parking areas that are monitored by security personnel is a great deterrent to thieves. Avoid areas that are secluded and with poor lighting, as they are more likely to attract thieves.
In addition to installing an anti-theft system it is also possible to deter thieves with visible deterrents to theft, like a steering lock or alarm decals. These devices can make a potential burglar think twice about breaking into your car in the event that they have to take off or bypass the device.
If you have valuables or electronics in your vehicle, it is best to keep them as hidden as possible. Items like mobile phone chargers or navigation equipment, as well as electronic cords should be kept out of sight or stored in the trunk. It's an excellent idea to note the serial numbers of expensive equipment or accessories in the event that they are stolen. If they're ever discovered, you can give this information to your insurance company and the police.
Notifying the police
A car is stolen every 32 seconds, and vehicle theft is a major expense, costing Americans $8 billion a year. In many instances, vehicles are stolen with keys inside, and it's an issue that is getting more serious. It could happen if you leave your car running to warm it up or when you're going to the grocery store for a short time. However, there are some things you can do to prevent this from occurring, like removing valuable items from your car or keeping them hidden from view.
It's also essential to notify the police immediately if your vehicle is stolen. This gives the police a better chance to catch the criminal and return your vehicle. Also, it will help ensure that your vehicle is enrolled into state and national database of auto theft, which can prevent future title issues or ownership issues.
You should also call your insurance company. You can inquire whether your policy covers thefts of vehicles that have keys in the ignition. If you have comprehensive insurance, your insurer will most likely reimburse you for the loss. If you do not have this type of coverage, switching to another insurer may be worth it.
It's crucial to act quickly in submitting a claim for stolen vehicles with keys still in the ignition. If you delay too long, the insurance company may reject your claim or inquire with your motives for having put the keys in the car. This is because they believe that you did not take "reasonable care" of your property.
You should be aware that documents such as your registration or insurance card could lead to identity theft. Some people keep paychecks or receipts in their cars, which may cause them to commit fraud. If this is the case, alert your financial institutions and monitor your accounts in detail. If your car is found, you should also notify the police and your insurance company to allow them to investigate the theft and bring charges against the culprit.
Notifying your insurance provider
Many people leave their cars running while they rush out for a quick trip to the store or gas station. This can lead to your car being stolen car keys. This is the reason you should never leave your vehicle unattended when you're not driving it. To avoid this, lock your car's doors when not in the car.
If you do happen to leave your vehicle in the garage unattended with keys inside, you'll want to notify your insurance company as soon as possible. They might ask you to provide details about the incident, such as where the car was left keys in car and it was stolen and the date of the theft. This will assist the police find your car and may even recover it.
You can file an online claim with certain car insurance companies, but it is best to speak with an agent. This will enable you to provide more detailed details about the incident and reduce the amount of back-and-forth that could delay your claim. Your agent could also request a copy of the police report and a list of all the valuables in your vehicle. This will aid the police in their investigation and will determine whether your belongings are covered under your comprehensive insurance.
In addition, if your vehicle is owned by a finance company or leased, it is important to notify your leasing or finance company of the theft. This will stop them from trying to seize or take back your vehicle. If your car is found with significant damage the comprehensive section of your policy will cover the cost of fixing it.
If you decide to file a claim against your vehicle and it's not returned, the settlement can take up to 30 days. Examine your policy to determine whether you have a rental reimbursement policy to pay for a rental car while you wait. Mark Fitzpatrick is a licensed property and casualty insurance producer and MoneyGeek's Head of Insurance. He has been analyzing the insurance market for more than five years and is often quoted in national media.
Inspection of your car
The first thing you must do when a vehicle has been taken with keys inside is to verify that it was actually stolen. You can do this by calling the non-emergency police department number in your area.
You'll need to provide them the following information if you do so:
The Vehicle Identification Number is usually found in the driver's door or close to the windshield. The last seven digits are also printed on the headlights as well as the mirrors, making it even more difficult for anyone to try to change the identity of the vehicle.
It can be useful to note any distinctive characteristics of your vehicle. A description of any personal belongings that were inside the vehicle when it was stolen could be helpful.
Your Insurance Coverage If you have Comprehensive or specified Perils coverage, this will likely cover the vehicle's theft regardless of whether or not you put keys inside it. If you only have liability insurance, this might not be true.
Many people make the error of running their cars with the ignition key on while running errands or getting ready to leave for work early in the morning. This is a recipe of disaster, since it only takes a few moments to jump into your car and drive off.
The most common day for car thefts with keys in the ignition is Saturday, followed by Monday and Friday. With Colorado being the top state in the nation for car thefts, leaving your vehicle puffing could be a tempting target for opportunistic criminals.
It is generally cheaper to purchase a new set than to make an insurance claim if the original key was stolen. This is especially true when you have an electronic key fob or smart key that can be easily replaced at your local auto dealer for just a few hundred dollars. This is cheaper than paying the deductible and it will spare you the hassle of having to deal with your insurance company in the future.