We are sorry to hear of the unfortunate events that took place concerning your truck. Your truck's damages would only be covered by your insurance policy if you had comprehensive coverage on the truck.

Even with this type of coverage the insurance company has the right to deny or reject the claim if there are extenuating circumstances such as keys being left in the truck. If you believe that you should be covered under your comprehensive policy you can again contact your claims representative from your insurance company and plead your case. If that does not work in your favor you might next need to seek legal advice.