You will need a Comprehensive policy and you will need to report it stolen with the police. If they are found and the car is not, you will need to follow up on this and take them to court. If at any time you drop the charges, the insurance company will revoke their money used to pay the claim.
This will increase your premium, but you would get your car replaced.
If your car is recovered and it is damaged, then the claim will cover the damage in the same situation. Again the dropping the charges against your family, will drop the claim on the car.
The insurance company (as will law enforcement) will consider it a Civil matter instead of a criminal mater when you drop the charges.
If the family member had access to the keys then NO, It's not considered a theft under the law because you gave them access to the vehicle by giving them access to the keys.
No
Insurance companies seem to ask the same questions: Were the keys in the car when it was stolen? Did you ever get a duplicate set made? Do you have the key or keys in your posession? I'm pretty sure they do not ask this unless there is a reason. Here's another question along the saem line... Will an insurance carrier cover a car that was stolen with the key's locked in the car?
Yes it will but expect higher premiums if you're not cancelled .
dont tell them although that might be insurance fraud.
Will be very hard to make a claim under those circumstances
No, even if it did, it would be less than you deductible anyway. Car keys cost about 7 dollars to replace by a brand car dealer. all you have to do is give the dealer your vin number.
Read your policy.
No, Homeowners insurance does not cover the cost of lost keys.
Probably because the owner did not exercise normal precautions and by leaving the keys in the vehicle actually participated in its theft. Call that lawyer who advertises on TV. If he can't get the insurance to pay, he'll get a judgment against the owner. The owner of a stolen vehicle is not responsible for the actions of the thief that stole their vehicle. If there is no liability on the owner, the insurance company does not owe the claim for property damage to others.
If you mean the keys to a business, then the management usually has insurance to cover the replacement cost of keys and locks.
Put the car keys into a very large box, pack it full of paper and wrappings, make it all the more suspenseful.
Leave the car where there are a bunch of cars stolen at, and leave the keys in it and the doors unlocked, then wait a couple of days and it should be gone.