Are you at fault for the theft of your vehicle if your keys are stolen?

Vehicle theft is a type of comprehensive claim. Your comprehensive, or other-than-collision, coverage covers claims for damaged to your vehicle other than a collisionwith another car or a stationary object.

Comprehensive claims include fire, theft, vandalism, storm damage, falling objects, and hitting an animal.


These situations are typically assumed to be outside a policyholder's control, and thus not at-fault.


On the other hand, if a policyholder has an unusual or excessive number of claims, or if an insurer has reason to believe that a loss has resulted from a policyholders negligence of carelessness, it is likely that your insurer will cancel or non-renew your policy.