Car stolen off drive while back turned. Engine running. What should I say to the insurance co?

Luna & Lawnboy

Tell them the truth. It is still covered. If you lie and tell them it was locked and you had possession of all keys, when and if it is found, and the ignition was not defeated, they will refer your claim to their fraud unit.

It does not matter how your vehicle was stolen, it was stolen. Comprehensive coverage does not take into consideration "comparative negligence". Report it to the police and your insurance company. Anybody who tells you it is not covered has no idea what they are talking about.

I have handled total thefts in the past. There is no exclusion in your policy which would deny coverage.

rsriram_1999

Tell the truth, they will find out anyway. Let the individual contract decide.

Just tell the truth.

J G

You're completely knackered here, as the insurance company will ask for a copy of the police report or an incident number. Leaving the keys in your car invalidates your insurance as you've failed to take reasonable care to prevent the car being stolen - sorry.

eriverpipe

If you have told the police something, and you are claiming under theft cover, then you will have to provide a police report. That will obviously include the details you gave to the police. I think you're completely stymied on this one and under no account should you say anything to the insurance company other than what you told the police. You don't want a charge of attempted fraud added to what's already a bad enough situation, do you?

entidtil

Because of the police report, you have no choice but to tell the insurance company the same thing

John Paul

The male waved a hand gun right? I am sorry for your loss. I need to add to the other answer all of your locks need to be changed too.

Jackson P

Tell them, they will find out from the police report anyway.

davebliggs

Tell the truth.

If you successfully claim based on a lie, you are committing fraud.
You could end up in prison, and I'm not joking here. more likely a substantial fine, but it's just not worth the risk. Insurance companies take fraud VERY seriously.

This is the case in the UK, I can't speak for other countries.

Kizzy

Tell the truth, no use in trying to cover a mistake....your insurance should still cover you if you have comprehensive coverage.

If you try to cover it up, they may consider it a fraudulent claim, then there's no coverage at all.

Mark R

If you don't tell the truth then you WILL get caught out and the problems from that would be greater than any gain from trying to get a better payout.

Michael S

Tell the insurers. Chances are they will reduce the payment to you for 'contributory negligence'.

Anton J

Sorry, to hear that I understand what your going through. It all depends on what you said to the police officer when he /she completed your police report. This just happened to me a couple of day before christmas. In my case I was able to call the bank an had them shut the car off and locate it whereabouts. You can lie to the insurance company and tell them you left the keys in the truck w/out the truck running. **** in away you told half the truth.
But whatever you decide I hope it works out for you.

bardolino

Serves you right. You don't deserve to get anything out of them.

Atalanta

You must tell the insurance companies the absolute truth.
If you don't they will probably find a way to invalidate your claim, and that history will stick to your name forever. It is absolutely useless trying anything on with insurance companies.
.

Just William

I would tell a small lie which will probably not get you in trouble. Tell the truth up to the point where you left the engine running. Put it like this. " I started the car then remembered I needed my coat from the boot. While getting it somebody jumped in and drove the car away. The police report will only reveal that you left the keys in the ignition. This may or may not work.

pedro b

you are in the DO DO here but if you are comprehensively insured you will be OK it`s what it says compressive you are covered for all eventuality's if it`s been nicked they should pay out. but i can guarantee they will drag this out of you
Some thing similar happened to a friend of mine his solicitor got the insurance company to define what the word comprehensive means

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