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Can You Make a Claim For the Cost of a Car Key Replacement?

If you have a comprehensive coverage for your car insurance, you may be able to claim the cost of the purchase of a new key. The conditions of the policy will determine if you can claim for a replacement key.

Unfortunately, it is not common for insurers to settle theft claims without an exhaustive examination of the keys' forensic information.

Theft

The theft of keys to your car is a serious issue, since it could leave you stranded without an automobile. You may need to find a different transportation option. Fortunately, your auto insurance policy may help you in this scenario. If you decide to make an insurance claim will be contingent on the nature of the incident and the specific terms and conditions that are listed in your policy. If you are in a car stolen with keys accident and your keys were inside the vehicle, it may not be considered a theft since the vehicle was already being used by a different person. In this instance, it would be best to contact the police and inform them immediately.

Car thefts resulting from unlocked cars and keys that are left inside are on the rise according to the National Insurance Crime Bureau (NICB). These crimes can result in the cost of insurance for automobiles to be high which is why it's important to know your coverage and what is covered under your policy.

In general, the majority of car insurance policies will not cover the cost of new keys in the event that they are lost or stolen even if you have comprehensive coverage. Some policies offer roadside assistance that includes keys replacement within a certain limit. It is important to consider the cost of replacing your car keys stolen keys before filing an insurance claim.

Thatcham Research explains that many modern "smart key" systems utilize commercial radiowaves for communication with sensors or control modules. This system is known as controller area networks, or CAN. The criminals have discovered an opportunity to steal the signal and then unlock or start the car from outside. For this thieves operate in pairs. One thief utilizes a transmitter to receive the signal while the other attempts to take the key fob.

It's also important to remember that personal property that's inside a vehicle is generally covered by renters or homeowner insurance. It could be worthwhile to replace your car's remote fob if the cost is less than the deductible or insurance premium increases associated with making a claim.

Damage

If a car key is lost and not replaced quickly the owner could be faced with high costs to repair damaged locks. These costs could even be higher than the cost of replacing keys.

If you have insurance coverage that is comprehensive on your vehicle, it can help cover certain damages. However, this isn't always the case. It is essential to speak with your auto insurance agent and carefully read your policy to be aware of what is covered.

The majority of car insurance policies do not include coverage for stolen keys. The only exception is if you have roadside assistance coverage. In these instances the insurance company could offer to tow your vehicle to a locksmith who can create the new key. However the driver is responsible for paying for the new key.

You can also inquire with your landlord or homeowner's insurance to see if they offer personal property protection. You might be able to file an insurance claim if your key is lost inside a backpack or purse. However, you would need to pay your deductible, which is likely more than the cost of the replacement key.

In general, it's not worth the effort to make an insurance claim for missing keys. The cost of replacing a lost key is typically higher than your deductible, and a lot of keys are programmed, which can be expensive.

Keep all receipts in case you decide to file an insurance claim. If your claim is approved by your insurance company, you may be reimbursed. However this will depend on the policy you have in place.

Contact your local Hibbs independent agent if you have concerns about whether your home or auto insurance will cover stolen keys What to do or lost keys. We can help you find the best auto, home, or renters' insurance to protect your family. We can help you compare quotes for your insurance policy and choose the most appropriate option for your situation.

Replacement

It's important to consider your options in the event that you lose or have lost your car keys. The type of car stolen with keys in it progressive keys you own will determine the insurance policy that will replace it and how much it may cost. It is also important to consider the impact of submitting claims with your car insurance on your costs.

If your car is a more recent model with an electronic key fob you'll probably need to go through the dealer to have a replacement key made. In this situation the dealer will require evidence of ownership, such as the title or registration of the vehicle to make the replacement key for you. It is essential to keep a copy in a safe place of your registration and purchase documents.

In some instances, comprehensive insurance will cover the cost of a lost or stolen key. However, you must be willing to pay the cost of the deductible, which is usually higher than the cost of a new key. If you have an ignition that is standard, it might be easier to find a replacement at a locksmith or auto parts store.

Another option for car owners who have lost or stolen keys what to do keys is to file a claim through their renters or homeowners insurance. This is because personal property coverage on these policies usually covers a specific amount for the loss of keys, or other items which are kept at your home.

You could also contact your local garage to see whether they have the tools necessary to reprogram your car's key fob. Some places offer key programming on-site, which can save time and money. However, it's important to remember that these companies typically will not be equipped to handle more sophisticated types of smart keys. You might require sending the key fob away to be reprogrammed.

In most cases it's not worth the time and effort to file an insurance claim for a stolen or lost car key. The cost of replacing the key fob is likely be higher than your deductible. It will remain on your record. This could result in increased insurance premiums when renewing.

Uninsured/Underinsured Motorist Coverage

If you're a smart car owner, you probably have spare keys somewhere safe. But what happens when they are stolen or lost? It's a stressful and costly situation.

Standard auto insurance policies do not provide coverage for car keys lost or theft. They may provide some coverage under comprehensive or collision coverage, but that's only if your car was driving at the time of the theft. The things in your vehicle may not be covered as well. There are policies that provide additional coverage for electronic fobs, such as RFIDs, but these are rare.

You'll usually have to make an independent claim to your renters or homeowners insurance for the things you'd like to replace in your vehicle. However, if you have both policies bundled together it is possible to save yourself some time by filing both claims at once.

Even the most secure locking system may fail over time. It's important to keep a spare key set on hand, and to check for wear and tear regularly.

While it's never a good idea to lose your keys, knowing what options are available can help ease the stress. Find insurers who provide roadside assistance plans. These will give you new keys in the event yours is stolen. Some of these plans include locksmith services that are free and will reprogramme your immobiliser.

However, while these services are useful, they aren't an alternative to the full benefits of a collision or comprehensive insurance policy for vehicles that provides the protection of stolen car keys. You should consult an insurance agent who is licensed should you have any concerns about the capability of your provider to provide this kind of protection. They can also assist you in selecting the best policy that meets your needs and budget. Contact us today for a free quote. We can help you find the best coverage at affordable rates, including insurance for keys stolen from your car.