By Amy E. Feldman

PHILADELPHIA (CBS) – If you leave your car to warm up unattended and it gets stolen, does insurance pay?

READ MORE: Keri Hilson Says 'Hip Hop Family Christmas' Is All About 'Honoring Your Family, Not Living For The World'

Two suspects were arrested last month in Columbus, Ohio for allegedly stealing a car that had been left to warm up, unattended.

With temperatures so low this winter, police departments around the country reported a sharp increase in this type of theft. Eleven cars warming up were stolen on the same morning in Indianapolis alone.

READ MORE: David Savage Charged After Killing Girlfriend, Opening Fire On Officers At SEPTA Terminal In Upper Darby: DA

If your car is stolen because you left your keys in the car while it warmed up, can your insurance company refuse to pay because you should have known better?

The answer is…it’s a trick question.

MORE NEWS: NFL Week 13 AFC East Preview: CBS Boston's Levan Reid Calls AFC East Title Fight A Battle Of 'Big Brother Vs Little Brother'

It turns out, your behavior does matter, but not when you decided to warm up the car, but rather when you decided what type of insurance to buy. So, those policies that state minimum coverage you get for a low price often cover damage in a collision, but don’t cover theft no matter whether the car was unattended and running or locked inside your garage.