And where did you go to law school?
First, your statement regarding negligence and criminal law for negligence shows that you don't know the difference between criminal law and civil law.
Second. If a woman is drunk, does that mean you can rape her? She was negligence by becoming drunk near you and that there is a high probability that you would rape her if she was drunk.
Third, if there is an insurance policy, that would be controlled by the policy, which probably has an exclusion for items stolen from an unlocked car.
As far as negligence, if he left your laptop in the car, he may be liable to you, under your theory -- in a civil case. Never to a thief, except possibly in the case of a minor. But we have not covered that yet in my class.