That's actually inaccurate. The small key is hidden in my truck right now. I left my FOB in the house and used the code on the door to get in and tried to start it with no luck. (EVEN SAID NO KEY DETECTED). Based on that, I assume it is perfectly safe to leave it in the truck.

 

leave my key in the truck all the time. even the fob if its in the truck my doors won't automatically unlock. i have to use the keypad. so if the break in they can steal the truck but if they are going to break in they are probably banking on hot wiring it any ways.

 

The question was about leaving key FOB in the truck, not the mini-key.

People are reading more into my posts than what I wrote.

* Some people like to leave their keys in / engine on / whatever.....It should be the owners choice. I don't care which one anybody picks, but we should be able to make that decision for ourselves!!!

 

Insurance companies cover for loses, which are typically unexpected. Hence, the term 'accident'.

Premiums are based on various factors, including the likelihood/chance that that you will file a claim.

• If you're a bad driver with lots of at-fault accidents and a pocket full of citations, you're going to pay higher premiums.
• If you're going to live in a high crime area where 100 cars are stolen each day, you're going to pay higher premiums.
• If you drive drunk and destroy your car, you can't expect them to pay to fix it.
• If you use your car in the commission of a crime, you can't expect them to pay to fix it.

And if you're going to be irresponsible enough to leave the barn door open and the chickens wandering around when the foxes come calling, I wouldn't expect them to cover the loss then, either.

Bottom line, there is an expectation that you will employ a reasonable amount of care if you want your insurance company to pay for your losses. While I do expect them to cover a loss in the event of an accident, I don't expect the to cover a loss due to ignorance or **** poor decisions.

 

Sure. But if you choose to leave your truck in a state that makes it EASIER to be stolen, you should pay HIGHER insurance premiums as a result.

Deal?

 

I agree.

I never said it was a good idea, or that insurance companies should pay for vehicles stolen with the keys left in them as that can only result in increased premiums for everyone.

 

My wife is in insurance -- small commercial lines underwriting.

Does it show?

 

I disagree that you're "kinda asking for it to get taken". This is BS. How about hold people accountable instead of giving them a cop-out "but the keys were in it".

What happened to if it's not yours don't f***ing touch it?

Sorry, I know it's a reality amongst the lesser evolved human beings that it is ok to take something that isn't theirs.

This irritates the **** out of me. My brother had his POS pickup stolen when he was 17 because he left his keys in it. He delivered pizzas. It was a bad habit. But I remember the police officer asking him if he left his keys in it. He admitted he did and the police officer said it was his fault for leaving his keys in it. Yea. And it's the woman's fault for getting raped because she looked pretty.

Next it will be "was your vehicle in your garage? Well it's your fault because you park in the driveway".

GTFO

 

I couldn't agree more. Sadly, our society caters to the criminals. How dare you tempt that poor guy into stealing your ride by leaving the keys in it! Sorry but that makes him the new owner.

 

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 and 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 the 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.