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I left my engine running while I ran into a store, and somebody stole my car. Will comprehensive insurance pay my theft claim?

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The answer in most cases is "yes," says Ward. Even though it's your own darn fault, "there is coverage for that under your comprehensive theft coverage.”  An obvious lack of good judgment normally won't prevent you from collecting, he adds.

You probably will have to pay your deductible, but here is some relief: “If a thief steals your car and damages it, it is covered by comprehensive coverage while it is out of your control," says Ward.

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