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TIFU by leaving my car running for 10 minutes and coming back to it stolen and now im 50k in debt with no coverage

I know this is gonna sound stupid as fuck but I got way too comfortable living in a smaller town where nobody really worries about this stuff I’ve always left my keys in my car when running into stores and if I was only gonna be inside for a few mins I’d usually leave it running too

last Thursday I stopped at Sheetz after work around 6:30 in my black 2024 Chevy Tahoe RST It was hot as hell outside so I left it running with the AC on while I went inside to grab drinks and food I was inside maybe 8 or 9 minutes max

came back outside and the Tahoe was gone

Some older guy near the pumps told me he saw a dude walk past it, realize it was running, hop in, and take off Cops checked cameras and thats literally exactly what happened Dude looked around for maybe 2 seconds before driving off like it was his car

heres the part that really fucked me though Insurance denied my claim because I “failed to secure the vehicle” by leaving it running unattended with the keys inside I genuinely thought theft was theft and insurance would cover it no matter what but apparently not

That Tahoe was basically the only valuable thing I owned I dont own a house, I rent a tiny apartment, and I’ve already been drowning in bills and debt before this happened Credit cards, student loans, insane grocery prices, all the normal bullshit everybody’s dealing with right now I stretched my budget hard to buy that thing because I wanted at least one nice thing in my life and now its just gone

so now I’m stuck making payments on a vehicle I dont even have anymore while trying to figure out how im supposed to get to work One lazy decision completely fucked my financial life

TLDR: tldr: left my 2024 chevy tahoe running with the keys inside while i ran into sheetz for like 10 minutes, came back and it was stolen. insurance denied the claim saying i left it unsecured, so now im stuck owing almost 50k on a car i dont even have and im getting buried by bills already

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