Hey,
No, that is a separate issue altogether. Liability and fault are not the same at all. Let me give you an example. (Note: I was a lot younger at the time of this story, and I'm a different person, now. I'm not particularly proud of it, and I wish I hadn't done this, but what's done is done, and it's one insurance company or another, so, meh.)
Once, as I was driving, during a turn, a truck in another traffic lane overextended its trajectory just a bit, just enough that it entered my lane for a tad. I had plenty of room to give it some space within my lane, and even if it had kept coming, I had a whole other lane with no one in it. And yet, for reasons I won't go into just right now, I deliberately chose to let the crash happen. I knew I could have avoided it. The truck driver knew I could have avoided it. The police knew it too. And so did the insurance companies. Given the size of the truck and the shape of the turn, his trajectory was totally understandable. The whole thing was completely my fault, and pretty much everone knew it. Yet it was his liability, and it was his insurance company that paid to have my car fixed.
My auto insurance doesn't cover car theft, so, you know, whatever. But if it did, then yes,
I would have had entered into a contract with the insurance company to take any and all reasonable measures to prevent such a theft. If my car gets stolen because I didn't lock it, it's still not my fault that it got stolen, but I am liable for it because I breached my contract.
Fault is a moral judgement. Liability is a matter of law and contract. A crime is never the victim's fault. That doesn't mean the victim can't share liability.
Cheers,
J.