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This was very vague...what state are you from? Insurance rules and regulations vary greatly from state to state. Was your vehicle stolen? Vandalized? If you have comprehensive coverage, it should not matter if your keys were left in your vehicle. Although some states and law makers are currently trying to push new regulation on this issue and hold owners slightly responsible for contributing to their victimization, i.e. leaving your purse in your car over night.
Lets hope this does not happen.
Best thing to do would be to contact your insurance company and make a claim. This is what you pay them to do, so they can answer these questions for you.
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