Does Auto Insurance Pay for Stolen or Lost Keys?


Losing your keys might be quite expensive. It might be really frustrating to not be able to drive your automobile because you misplaced your keys or someone stole them on purpose.

The best course of action is to get a new set of keys, but once you begin looking for locksmith services or vehicle dealerships, you’ll discover that the cost of an ignition key or door key is significantly higher than you had imagined.


Some new car models have keys that can cost up to $500 to replace, which may sound exaggerated. Fortunately, there are methods to avoid having to pay the payment out of your own money. If you have the right insurance, the benefit may cover lost or stolen keys. This blog will respond to all of your questions, including if vehicle insurance covers misplaced keys and many others.

What kind of insurance protects against lost or stolen keys?

Personal property coverage under your homeowner’s or renter’s insurance covers replacement fees for misplaced automobile keys. However, you will still be responsible for paying your deductible, which is likely to be higher than the cost of a new key. It is advisable to get in touch with the insurer directly to find out if their home insurance covers lost or stolen keys.

In terms of general insurance, car keys are not covered by this coverage. “American Family’s home insurance doesn’t impose a deductible and covers garage door openers and house keys.”


Do lost keys qualify as roadside assistance?

 Sure, but not often. Roadside assistance will aid you if you become locked out of your automobile, but it won’t be economical to make you new keys.

What does auto key replacement insurance cover?

Automobile Key Cover, also known as Key Replacement Cover, is an add-on for the Comprehensive insurance coverage.

Assume any of the following is the key to the covered car. In that instance, the insurance provider will pay the owner for the cost of replacing the key up to the covered amount specified in the insurance policy:

• Damaged

• The lockset needs to be fixed if either the lock or the key is broken.

• If the key is damaged or broken, a new key must be made.

• In the event of a burglary, the lock, key, and lockset will all be replaced.

For insurance claims involving missing auto keys, is there a deductible?

If your insurance coverage includes a deductible, you must pay it before your insurance company will repay you. If your car has a $10,000 real cash value and a $500 deductible, you will receive $9,500. If my car is stolen with the keys inside, how much damage is covered?

Would my insurance company pay the full value of my stolen car? What if I contributed to the theft by leaving the keys inside?

If you have comprehensive insurance, your insurance will pay for the cost of a stolen vehicle whether or not you left the keys in the car. Both the deductible and the insurance cap affect how much it paysThe following is a correct definition of an insurance limit: It represents the highest sum that the company will pay.

Let’s use an illustration to try to comprehend this:

Liability plans, the most fundamental type of auto insurance, frequently offer high coverage of $10,000, $25,000, or $50,000. With comprehensive insurance that covers natural disasters, the real monetary value of your car is always covered.

Depreciation, often known as the amount of value your automobile loses each year as a result of aging and wear and tear, is the replacement cost less depreciation. Because cars depreciate quickly, the upper limit may be drastically reduced for older vehicles.

• If the coverage limit is exceeded, your insurance will not pay out. If your car is stolen, you will be given the same amount of money it is worth so you can go buy a new one.

Also, if your insurance coverage has a deductible, you will need to pay it before your insurance would reimburse you. If your car has a $10,000 real cash value and a $500 deductible, you will get $9,500.

If stolen keys are left in a car, does auto insurance cover them?

You rush into the shop anticipating your return in a moment. Since carrying your keys around could be difficult, you put them in the cupholder of your automobile or under your visor.

But when you come back, your car is gone. In any case, it will be inconvenient. Would your insurance company still cover it if they are aware that you shouldn’t leave your keys in your car?

If you have comprehensive insurance, also referred to as “other than collision” coverage, the theft may be covered by insurance whether or not the keys were left inside the vehicle.

If you’re unsure whether your policy covers the situation or whether you have comprehensive insurance (often referred to as “other than collision” insurance), speak with your agent.

How can I tell whether my insurance will cover a stolen car?

There have been a few auto thefts in my neighborhood. I want to make sure my car is secure. How can I tell if it’s protected?

To understand the answer to this question, you must be familiar with the three primary types of auto insurance coverage. Each one deals with different situations.

• Liability insurance: It compensates for any damage you cause to other people, their homes, or their vehicles.

• Collision insurance: This covers damage you cause to other cars when you collide with them: includes coverage for damage from collisions with inanimate objects like mailboxes.

• Complete Protection: It also goes by the name “other-than-collision” and offers coverage for a variety of events, including theft.

Whenever you look at your auto insurance policy online or in your printed packet, it should be rather clear what kind of coverage you have.

If you have complete coverage, breathe easily!

• Dealing with an independent insurance agent to add comprehensive coverage is easy if you don’t already have it, even if you leave the keys inside and the car is stolen.

With stolen car keys, should I make an insurance claim?

In general, no. Having automobile insurance with roadside assistance coverage can help if your keys are stolen or lost, but you will frequently be responsible for paying for replacement keys. If you have comprehensive insurance, which covers a stolen automobile and its keys, that is the lone exemption.

How can I report a stolen key insurance claim?

1. Inform the insurance provider.

2. To register a police report in the event of theft, the claim must be made.

3. You can replace or repair your car keys.

4. Submit the claim form and the required papers.

5. In the event of a cashless claim, the insurance provider pays the garage directly.


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