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Auto Insurance Claims/stolen but key left inside

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Expert: - 6/6/2010


Question
i lent a friend my son's vehicle and the next day the friend reported the vehicle stolen from outside his house.  'Friend' said the key was left in the car so it wouldn't be lost and he took the automatic locker with him. that doesn't make sence  to me but that's his story.  what are my options in recouping anything from the insurance company? can i hold the friend liabile for whatever insurance won't cover because he left the only key inside the vehicle?

Answer
Hi Blue,

Insurance should cover this situation. But you should tell your friend that if the insurance denies coverage you expect him to pay. Your friend should also at least be responsible for your deductible.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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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.

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