Is It True that Insurance Will No Pay if You Leave the Keys in the Ignition and It Gets Stolen?

[Norwayguy]

I was originally from a foreign country.

Over there, auto insurance had two price levels mandated by the government.
One covers you if you have an accident with DUI. The other one did not cover
any incidents with DUI. I always purchased the latter because I didn't drink
alcohol at all. (still don't) The insurance premium was almost 50% cheaper,
for the liability portion. The savings for the comprehensive was about 30%.
The DUI standard is twice as tough as it is in the US. (0.03% vs 0.08%)

Reminds me of a joke about a guy looking to finance a car and asks how much is the payment with the late charge.....I can just see the conversation in the agents office, I need me that policy that covers DUI.