My car was stolen and had the keys in it. Does my insurance cover that.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Sep 2, 2017

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Insurance Question from Orlando, FL

Asked on 09/02/2017

My car was stolen and had the keys in it. Does my insurance cover that. that's it

Answer given on September 02, 2017

If your vehicle is stolen, even if you leave the keys in it, you are covered if you have comprehensive coverage on the vehicle. The insurance company will wait 30 days before settling the claim. They will then determine the actual cash value of the car, less your deductible. That will be the amount they will pay you for the car. If the car is found in the 30 day period, the insurance company will pay for the repairs, up to the actual cash value of the car. If it is considered a total loss, then the company will again determine the actual cash value of your car and pay that amount, less the deductible. If you do not feel the amount offered is a fair value, it is up to you to prove the correct value of your car. This can be done through local ads, online ads in your area or a dealer appraisal. The appraisal will usually cost money, so the other options are better for you to determine the settlement.


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