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Does Geico Insurance Cover Stolen Car If Keys Left

Imagine this scenario: You’re out enjoying a evening with your friends, and suddenly your car is stolen. Now what? Depending on the state you live in, you may be able to pursue civil or criminal remedies if the car was stolen with the keys still in the ignition. This is particularly important to know if you have a policy with Geico, as the insurance company has been known to cover stolen cars even if the keys are left in the vehicle. This coverage is unique to Geico and not found on other car insurance policies. So, it’s important to compare rates and reviews before purchasing a policy just to make sure you’re getting all of the benefits that you need.

What is a car insurance policy?

A car insurance policy is a contract between an insurance company and the individual or business owner who has purchased the policy. The policy details what obligations, if any, the company has to the insured person or business.

Most car insurance policies include coverage for property damage, personal injury, and/or death caused by an accident. In addition, many policies provide additional coverages such as collision damage waiver (CDW), theft protection, and roadside assistance.

Some factors that can affect whether a car insurance policy covers theft are the value of the vehicle and whether it was reported as stolen to police. For example, if a vehicle is worth less than $500 and hasn’t been reported stolen to police, then most likely the car insurance company won’t cover theft. Conversely, if a vehicle is worth more than $500 and has been reported stolen to police, then most likely the car insurance company will cover theft.

It’s important to talk to your car insurance provider about any questions or concerns you have about your policy.

What is covered under a car insurance policy?

A car insurance policy typically covers damages to a car caused by the driver, passengers, or other drivers and pedestrians. Your policy may also cover losses incurred while your car is in the possession of a thief. Some policies may even cover you if your car is stolen if the keys are left in it.

What are the types of loss that are covered?

If your car is stolen and the keys are left inside, Geico may be able to help you get your vehicle back. This coverage typically covers damage done to the car while it’s in the thief’s possession, whether they drive it or not. It doesn’t cover costs like gas, tolls, or parking fees.


If you’re unfortunate enough to have your car stolen, and the keys are left inside of it, do not hesitate to contact Geico. Not only will they cover the cost of a new vehicle, but they may also offer you benefits like roadside assistance and a rental car while your old one is being repaired or replaced. So if you’ve ever had to replace a broken key in the past, make sure that you keep an emergency stash of Geico keys around just in case!

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