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Unlocked Doors | Coverage Regarding Theft
The police report says I didn't lock my doors and my vehicle was stolen can the insurance company hold me liable for the thief and deny my clam.
Most likely not. It was something silly, no question. But this type of thing would be covered unless they have evidence that you disposed of the car or that you had something to do with the theft.
The insurance company may want to inquire more about the situation and how the theft actually happened, but, but itself, this would probably not be enough to decline your claim.
Auto Insurance Claim Advice
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