Does Car Insurance Cover Stolen Cars If the Keys Are Left In?

Vehicle theft, while uncommon, is unfortunately a reality for many drivers. If your car is stolen after you accidentally leave the keys in the ignition while out and about in Princeton, the last thing you want to do is go through a big hassle finding out if insurance will cover the theft. That’s where Mercedes-Benz of Princeton comes in – we’ve got everything you need to know, so you’ll be prepared if the worst should happen. First and foremost, you can rest easy; as long as you have comprehensive insurance, the theft will be covered! We’ve got all the details on if insurance covers a stolen car and the process of replacing your lost car keys in the guide below.

Will Insurance Cover Stolen Cars with Keys Left Inside?

The short answer is a probable yes, as long as you have comprehensive insurance. Check with your insurance company to see what kind of coverage you have on your vehicle, and whether it includes comprehensive insurance. Here’s exactly what comprehensive insurance covers for you and your vehicle:

• Coverage like liability and collision insurance are made to protect you, your vehicle, and others in the specific event of an accident. Comprehensive insurance covers all additional cases, including theft. 
• If Hamilton drivers have comprehensive insurance coverage, they can receive damages for the vehicle contingent on their deductible and policy terms. 

How Can I Replace My Car Keys?

Although having your vehicle stolen is a terribly traumatic experience, you can at least breathe a little easier knowing that it’s simple and straightforward to replace your keys. Here’s all you have to do:

• Check your insurance policy to see if stolen car keys are covered under your plan or warranty. 
• Visit Mercedes-Benz of Princeton or your local dealership for replacement options. Our service team is happy to help you get your keys replaced as soon as possible.
• If you’d prefer to go through a third party, you can write down your VIN number, make, model, year, and work with a locksmith to create a replacement. 

Learn More About Auto Insurance With Mercedes-Benz of Princeton

If you have any other questions about if insurance covers stolen cars with keys left inside, or want to learn more about your insurance coverage options, our finance team is happy to help! You can also contact our office or stop by our Mercer County-area dealership with general questions about all things Mercedes-Benz. While you’re here, take a moment to explore our car buying tips for other helpful reads about how to get lower interest rates on a car loan and more!