Wouldn’t presumable sale still be considered theft under your local law?
Yes you knowingly handed them the keys but I guess I’m going by my grandma’s theory of “if you find a wallet and don’t give it back to the owner that’s theft of the wallet and stealing from their mouths” WWI daughter/WWII wife/Dust Bowl Survivor btw
You would think a police report of theft would suffice enough and that the details wouldn’t matter.
You also have to take into account they are an insurance company. What’s right doesn’t mean that’s what they will do