You must read the policy to be sure. As long as your car insurance company's policy doesn't stray too far from a standard ISO policy form, you will be covered for the theft of your car. Theft is a covered peril regardless of whether you made it easier for the theft to occur, in this case leaving your keys in the ignition, outside the house in plain view and/or the doors unlocked. Insurance companies use their choice of policy forms that may have slightly differing language. If your carrier's auto policy includes language that excludes coverage for theft unless there is evidence of forcible entry or violation of the steering column, then you may have an issue with this claim. Most companies do not restrict coverage in this way, and if your's does, it's time to find a new car insurance company. One thing to avoid is lying to the claims adjuster. Nothing causes more delay in resolution of an insurance claim than someone playing with the facts. Also, be glad you are in the US, because in many other countries failure to lock and secure the keys does result in losing your insurance claim.
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