I'd venture to say we've all left our keys in our car's ignition at one time or another—whether purposefully or by accident. But I'll bet Arizona drivers will think twice about doing that now!

According to the Insurance Journal, the state has approved a bill allowing Arizona auto insurers to charge a triple deductible for auto claims in which vehicles are stolen because their owners left the keys in their cars.

Now wait a minute—isn't that going just a little bit overboard?

I agree with the sentiments of Arizona Sen. Barbara Leff, who voted against the bill, saying, "The whole purpose of insurance is to cover those human mistakes and human frailties."

But today's Insurance Journal story says the state disagreed because one out of five stolen Arizona vehicles had keys left inside.

I'll concede they have a point; but a triple deductible? Seems to me that will just encourage those drivers whose cars are stolen to go without insurance, rather than pay the high deductible. Why not suspend offenders' licenses for a period of time instead? Then maybe they'd check for those keys one last time before leaving their vehicles.

I'd like to hear what Arizona auto insurers out there have to say about this issue. Anyone wanna share your perspective?