where I come from we call that "accountability and responsibility" for one's actions. something that seems to be a concept lost upon our society.
where did i say we stop placing responsibility on the thieves? thief is just as responsible as the owner is, and in no way is that a defense for the thief.
an insurance company would argue that the insured has an obligation to protect his/her property by all means, and I've no doubt an insurance companies legal team could make a pretty good argument that the insured did not fulfill his/her obligation to protect said property (because he left the keys in his vehicle while it was running and then left it unattended).
and in the Army....that would have gotten him charged with negligence and direlection of duty.
if society were held to the same standards....might be less bs going on.
but it comes down to prevention and the OP was ignorant and stupid.
Sucks you had to go through that, especially in a different state...I had my saleen s351 stolen from in front of my driveway. I was getting ready to leave for work and forgot my work cell inside. Went in to get it and when I got out I saw my car being driven away. I called cops and they never showed up until 5 hours later asking for the description of the car. California cops suck...the car was never found...