* Comprehensive coverage is key: This type of coverage is needed. Liability insurance only covers damage you cause to others; it won't cover the theft of your vehicle.
* Circumstances matter: While running, leaving your car unattended is generally not a factor that would void coverage. However, leaving the keys in the ignition might be seen differently by some insurers depending on the specific policy and state laws. The investigation will determine if negligence contributed to the theft. For example, leaving a running car unattended in a high-crime area might be viewed differently than briefly leaving it running while you quickly grab something from your house.
* Police report: You'll almost certainly need a police report to file a claim.
* Policy specifics: Review your policy carefully. Contact your insurance company directly to confirm your coverage in this specific situation. The exact terms and conditions will outline what's covered.
In short, while it's *likely* covered, it's not guaranteed. Always check your specific policy and report the theft to the police immediately.
