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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.

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13y ago
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8y ago

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.

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Q: Will insurance pay if a car is stolen with the keys by family member?
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