Does Car Insurance Cover Stolen Cars With Keys Left Inside?

Car keys in a lock


There are times when Minneapolis drivers accidentally forgot their keys in their car which can lead to their vehicle’s being stolen. Drivers in that situation may be wondering “Does car insurance cover stolen cars if the keys are left inside?” If you have a comprehensive insurance plan, then you are most likely covered if your vehicle is stolen and the keys are inside. However, this will vary from plan to plan and the specifics of your circumstances. Our team at Cornerstone Plymouth will tell you more about your insurance options and how you can recover your car and keys if that situation ever happens in the Maple Grove area.

Does Insurance Cover Stolen Cars with Keys Left Inside?

In the unfortunate situation when your car is stolen with your keys left inside, your car insurance may cover your car as long as you have comprehensive insurance. Comprehensive insurance covers cases that happened as accidents and other situations like car theft. So, if you have comprehensive insurance, your insurance company might cover your stolen car even with keys left inside. You can get damages for the car contingent according to the deductible and policy terms. Check your insurance coverage to see if your car has comprehensive coverage if you are worried you might forget your car keys inside your vehicle, leading to your car getting stolen. 

How Can I Replace My Car Keys?

If you have misplaced your car keys, you can easily get a spare in several ways. In the event that your car has been stolen, you can replace your keys to possibly recover your car. Take a look at some of the ways you can replace your stolen car keys below: 

  • View your insurance policy to see if your plan or warranty covers stolen car keys. 
  • Stop by your local dealership for replacement options. Come to Plymouth to see our experienced service team as they can help you get replacement keys as quickly as possible. 
  • Contact a locksmith to create a replacement with your car information, such as the VIN number, make, model, year.

Replace Your Stolen Car Keys at Cornerstone Plymouth

Did you misplace your car keys? Luckily, our service team at Cornerstone Plymouth can help you out. Schedule an appointment for services today. If you want more coverage, Cornerstone Plymouth offers a You+ Service Plan, a comprehensive parts and services program for both used and new vehicles. Contact us if you have any questions about car insurance and we would be happy to give you all the information, so you can drive on the Minnetonka roads with a peace of mind.


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