My friends car was stolen out of a secured parking garage at his condo. He leaves the keys in ands uses the key pad to unlock door. Would his insurance company cover this loss?
2007-10-15 05:30:36 · 19 answers · asked by OmardaGr8 1 in Cars & Transportation ➔ Insurance & Registration
If your friend carries comprehensive coverage on his auto policy and the policy is a standard ISO form he should have coverage for this loss regardless whether or not he left the keys in the car. There is no coverage exclusion for owner stupidity. These types of claims get paid all the time.
2007-10-15 09:43:40 · answer #1 · answered by toby h 2 · 0⤊ 0⤋
If he has theft coverage on the insurance, and took reasonable efforts to secure the vehicle, he would be covered. Without theft on the policy, he would not be covered no matter what. Even with coverage, leaving the keys in the car is not taking reasonable precautions and it's quite possible they will refuse to cover it.
I've had fire forensic people in my impound yard looking at ignitions in burned or stolen cars to see if a key was used to drive them. If so, they typically will not cover the loss.
By the way, I can get a locked vehicle open in less than 60 seconds.
2007-10-15 06:04:15 · answer #2 · answered by oklatom 7 · 0⤊ 0⤋
NEVER leave your keys in a vehicle. It is an invitation to a thief, as he found out. It doesn't sound like the parking was all that "secure". He needs to be truthful with his insurance.
2007-10-15 05:52:11 · answer #3 · answered by Otto 7 · 0⤊ 0⤋
No. The insurance company would not pay him. This would be negligence on his behalf. When you get your car insured there are a few things that they told you would not be covered, one would be negligence.
And I dont think you would want to lie about this if they ask. Then negligence becomes insurance fraud. And that my friend is totally illegal and if they wanted to, they could press charges against you and you would receive a new home in a correctional facility.
2007-10-15 05:39:33 · answer #4 · answered by enhancedquang 2 · 0⤊ 0⤋
HI,
Tell your friend that the keys were not in the car. They found the hide-a-key. My car was stolen from in front of my house, they found the hide-a-key. My insurance company paid me off. The car was a total wreck.
Good Luck
2007-10-15 05:35:14 · answer #5 · answered by Big Kat 3 · 0⤊ 1⤋
The keys in the car is going to make this a real problem to collect on the loss.
2007-10-15 05:34:13 · answer #6 · answered by katobow 4 · 0⤊ 1⤋
Some policies won't if the keys are left in it. I'm sure though that he "lost" his keys in the parking garage and the thief just tried them in various cars until he found the right one.
2007-10-15 05:34:07 · answer #7 · answered by ryankneale 6 · 0⤊ 1⤋
You leave your keys in the car unlocked, and you might as well leave a sign in the window that says "Free to bad home".
The standard rule is you're only insured if you're safeguarding your valuable insurables.
2007-10-15 05:34:55 · answer #8 · answered by Your Uncle Dodge! 7 · 0⤊ 1⤋
of course mine was stolen a month ago and he did not give the person permission to take the car my keys were in it also chances are they will find it b4 long in good shape they will drop that car off and steal another dont worry
2007-10-15 05:36:58 · answer #9 · answered by Nichole A 3 · 0⤊ 0⤋
what kind of FOOL leaves keys in a car. if the insurance company found out, they shouldn't pay him a dime!
2007-10-15 05:33:36 · answer #10 · answered by Anonymous · 0⤊ 1⤋