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 .
Nope, That's what auto Insurance is for.
Neither homeowner's insurance will probably cover property stolen from a car. Homeowner's insurance usually only covers stuff stolen from your home. However, the automobile insurance policy might cover it.
Read your policy.
I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.
No, as long as you have let your insurance company know they car is stolen.
Will be very hard to make a claim under those circumstances
If the police can't find the car thief, your insurance will have to pay for it. If they CAN find the car thief and he/she has nothing, your insurance will STILL have to pay for it.
No.
If YOUR belongings were in the friend's car and they were stolen, they are covered on YOUR homeowners or renters policy. If your friend's belongings were stolen from a car, HIS or HER homeowners/renters policy would pay.