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MassiveStomach t1_iydr60j wrote

Reply to comment by Senior-Sharpie in Holmdel proposes fines, jail time for attempted car thefts by double_chicken

if your car is unlocked with the fob in it and it gets stolen its covered by your insurance. i'm unsure where you heard that.

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Senior-Sharpie t1_iydweno wrote

Everywhere

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973reggie t1_iyei9wk wrote

Well it’s not true. Of course it’s covered. Obviously everything’s in the spectrum from smart to stupid, but as long as it’s not FRAUD.. your car is covered.

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Senior-Sharpie t1_iyen7x8 wrote

Only if you have comprehensive coverage.

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973reggie t1_iyeopvz wrote

Ok idk what your trying to say at this point.

Yes, only certain insurances cover theft.

If your insurance DOES cover theft, it covers it under basically any circumstance then fraud. Leaving your key in the car on accident, or your car running by itself longer then you thought, etc are among the most popular causes for car theft.

But my first point stands.. insurance covers stupid people too. It doesn’t cover malicious people who are trying to defraud them, but just being stupid doesn’t bar you from coverage.

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Senior-Sharpie t1_iyeu9c9 wrote

What I’m trying to say is that I have heard for decades that if the car was unlocked with the keys inside and was stolen the insurer would deny the claim. I just Googled that and was surprised to see that it could be covered but only if you had comprehensive coverage so I guess you could call comprehensive coverage insurance for stupidity. Surely you can see the difference between someone breaking into a car, Hotwiring it and driving it away as opposed to opening the door, turning on the ignition and driving away. It’s basically the same as someone breaking down your door and coming in (Breaking and entering) versus opening an unlocked door and walking in (unlawfully entry).

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973reggie t1_iyexppj wrote

I mean I don’t really see a difference tbh. I would see a difference if there’s violence involved or something but otherwise no, not really.

Comprehensive is the only type that covers theft, period. So if your covered for theft your covered for any kind.

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