It is a possibility that your claim could be denied due to the keys being left in the ignition and the car was left running and unattended depending upon the terms of your auto insurance policy and state laws.

CarInsurance.com believes that this should be covered under most policy terms and guidelines.

You will need to make a claim with your comprehensive portion of your physical damage insurance coverage since your car was stolen, hopefully you called the police and had a report made as well. Having a police report should help with the claim process and in fact may be required by your insurance provider.

Once the claim is made, the insurance company will investigate and let you know if the claim has been accepted or denied.

Some insurance policies have terms in them that allow the insurance provider to turn down a claim due to clauses for negligence or not properly safeguarding the vehicle. Usually this means leaving keys in the car (ignition or in plain site normally) and/or not locking up the vehicle or leaving it running while unattended.

You will need to speak with the claims adjuster on your claim to find out if allowing the car to be unattended but running with the keys in the ignition will hurt your claim since insurance companies' guidelines differ.