The law might not have any sympathy for you if your car is stolen. A new measure in Tennessee puts the blame on you when you make it easy for thieves to get-away with your ride.
Let's say you get out of your car and forget the keys in the ignition. A stranger walks up steals your car, then crashes it. You could be responsible for the damage he causes.
The Tennessee Court of Appeals recently made the ruling. This after a 2007 case in Murfreesboro in which a car thief led police on a chase, crashed, and hurt another driver. The court ruled the car owner was negligent when she left the keys in the car for the thief to see.
Well the liability stems not necessarily from the action of whomever took your car, but more so from the ownership of the car itself. That's why you have insurance to cover those types of liabilities.