What I’m trying to say is that I have heard for decades that if the car was unlocked with the keys inside and was stolen the insurer would deny the claim. I just Googled that and was surprised to see that it could be covered but only if you had comprehensive coverage so I guess you could call comprehensive coverage insurance for stupidity. Surely you can see the difference between someone breaking into a car, Hotwiring it and driving it away as opposed to opening the door, turning on the ignition and driving away. It’s basically the same as someone breaking down your door and coming in (Breaking and entering) versus opening an unlocked door and walking in (unlawfully entry).