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Auto Insurance Claims/keys taken for vehicle

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Expert: Charlie Barone - 8/27/2009


Question
hi, my vehicle keys were stolen from my garage on the 15.8.09,and the car was stolen using the keys whilst it was parked outside my garage ,the engineer has made an offer on the vehicle as it was found and was deemed a total loss,what is the likelihood of the insurance not paying out as the keys were taken thanks phil

Answer
As long as you can document that the keys were stolen, the policy should cover the loss. Even without the documentation, it ought to be covered. Unless your company is accusing you of engineering the theft as a way to cover the damage, you should be fine.

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Charlie Barone

Expertise

For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).

Experience

I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.

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