You are here:

Auto Insurance Claims/auto theft and insurance

Advertisement

Expert: - 3/19/2010


Question
key was left in cupholder,  i live in nj,  have comp coverage, am i covered ?

Answer
Hi Mick,

Each insurance company may have different ways they handle this situation. You would have to read the exclusions section of your policy to be sure. Some companies will exclude coverage if you leave the keys in the ignition or leave the car running. You should simply file the claim, tell the truth and see what happens. The insurance company will conduct a detailed investigation. They will look into your background as well as your finances. This is a normal part of a theft investigation. They always suspect the vehicle owner of being involved. The investigation process may take as long as 60 days before they will decide to cover or deny your claim.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

©2012 About.com, a part of The New York Times Company. All rights reserved.