Is there a way to get the iPhone to lock when the phone goes out of range of the iPhone? A bit like the Windows feature that connects to your phone?If you use an AW you can create a Focus that is specifically for locking the iPhone, by launching an automation that locks the screen and disables airplane mode. Then in this situation if you are super quick you can lock it before the thieves have brought it outside of bluetooth range.
No, and you shouldn't do anything else regarding this iPhone. Don't remove it from anywhere on your account, don't remove it from trusted devices, just leave it be. The FInd My functionality isn't explained all that well by Apple and in the worst case you can accidentally remove it from your account which might allow the iPhone to be reused.
Unfortunately there is no way to know if the thieves turned the entire iPhone off which would protect your personal data stored on the iPhone or if they only put it into airplane mode and kept it unlocked for a while to see if they can get personal data. But they might have shut it down immediately just to try and prevent tracking, or it might have locked when ripping it out of your hands as the power button is easily pressed.
They usually just want the hardware anyways and don't care about your data. And since you locked it so quickly that probably prevented abuse of Apple Pay.
If you used an eSIM on that iPhone the thieves can't see your phone number, if it was a regular SIM card they will eventually put it in a different phone and send you spam messages pretending to be Apple or otherwise try to get you and unlock the iPhone. If it was a regular SIM card I recommend changing your phone number to avoid that spam.
That's exactly right, I was robbed in a similar fashion as well though they were on foot and when I read some of the posts here claiming we just have to be vigilant I know they've never been in this situation. For me it happened in the street I live in during the few seconds I looked into my bag to get my house keys. It doesn't matter if you are super careful 99% of the time, they'll be there that one moment you don't expect it.
You'll keep replaying the moment for a while and that's normal and over time it goes away. You are mostly physically uninjured and thankfully had the insurance so as silly as it might sound this went as well for you as it possibly could have. The one thing I took away from my experience is that I try not to wear or show anything that would make me a target in the first place, at least in some places it's not the best idea to have Airpods sticking out your ear or the AW visible. Or I choose to walk a different path sometimes.