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If Your Car Gets Stolen With the Keys Inside, You Can File a Claim

If your car is stolen and the keys are inside you are able to make a claim using your comprehensive coverage. It is important to contact your insurance company and read their conditions and terms.

Auto insurance policies do not protect personal property, such as books, tools or laptops. You'll need renters or homeowners insurance to cover these items.

What happens if you misplace your keys?

Car theft is a major problem in the US, with more than one vehicle taken every 32 seconds. The cost to Americans is estimated at more than $8 billion per year. Despite advances in technology, the standard car key is still a prime to target for thieves. To safeguard yourself, always have a spare car key.

What happens if you misplace your keys while driving? The answer depends on the policy of your insurance company and the state you live in. Comprehensive coverage (or "other collision") generally covers your car and its contents as well as your keys. However, certain insurers might have an exclusion in their policies that says your keyless car stolen is not covered if your keys are kept inside it. It's important that you review your policy attentively in the event that this is the case.

Another issue is that personal items like cell phones, laptops, textbooks or tools aren't usually covered by auto insurance. You might be able to add your homeowners or renters policy to your auto insurance policy to cover these items. If you have both types of insurance and your car is stolen, you'll need to file separate claims. One for your auto insurance and one for personal belongings.

Check your pockets and bags If you suspect that keys to your car have been stolen. There's a good chance they're there, or maybe you set them on the counter once you got out of your car. It's crucial to remember where you parked and when.

Once you've checked everywhere and haven't found your keys, it's time for you to call the police. Keep an original copy of the report in case you ever require it to prove an insurance claim. You can also have a key made by the police department and get your possessions back. If you're in a hurry, you can also hire locksmiths to make duplicate keys. You may pay a little more, but you'll avoid a bigger headache in the future.

What happens if I misplace my keys?

It's very easy to lose your keys, particularly when you're running an run. The good news is that, depending on your insurance policy and what to do if car keys are stolen you've planned to do with the spare key, you might not have a huge financial burden to carry.

If you have comprehensive coverage, your car key will be covered under your personal property theft coverage. This type of coverage is included in many car insurance policies. It is also available through renters and home policies. If you've combined insurance, it's important to know with which company to file a theft claim.

If you have auto insurance you may make a claim on a stolen car key. However, you might require the replacement keys to your insurance company in order to get your vehicle back. Then, you will need to make arrangements with a local dealership to have the key fobs reprogrammed to allow your vehicle to start.

The best way to deal with this is to create an emergency plan in place and keep your spare key in an obvious place that you will be able to find in case of emergency. You can also ask family and friends where you put your spare keys. They may be handed to them or left on the street.

If you don't have a spare car key stolen key, and you're unable to locate your car keys, it might be worth calling the police in your area to see whether any of their missing and found items have been reported. Certain areas have a central database where lost and found items are kept, so they might be able to guide you to the right direction.

According to National Insurance Crime Bureau research, car thefts that are caused by keys left in the vehicle have been increasing. Unfortunately, the majority of insurance companies will not cover a car theft if your keys are placed in the ignition or on the seat. Prevention of theft is the most important factor to preventing this kind of loss.

What happens if you lose your keys while driving?

We've all had the experience: dropped our keys in the cupholder, or put them under the visor and headed to the store, only to realize that we're locked out once we return. It's dangerous to leave keys in your car since it makes it easier for thieves to get into your vehicle. It can be embarrassing and stressful when you discover someone has taken your car and put your keys inside. However, the majority of comprehensive insurance policies (or those that do not cover collision) will cover this theft.

It's important to know that some policies do not cover this kind of theft from coverage. In these cases the theft was caused by the policyholders' negligence. Some home insurance providers don't cover burglary claims if homeowners open their windows or cars unlocked with keys inside.

As soon as you realize that your car's keys were stolen, contact the police in your area. The police can give you advice on how to protect your vehicle. They will also give you the number of a crime that will help them track the perpetrator down in the event your car is recovered. It is also advisable to notify your insurance company about the theft. You can get more information from them on how to make a claim and what your policy will cover.

If you have roadside assistance coverage that covers roadside assistance, it is usually a way to change your locks when the vehicle is retrieved. Other types of insurance, like property insurance, may also protect keys stolen or lost. If you decide to make a claim, keep in mind that your rates are likely to go up.

Some companies offer rental car reimbursement as part of their comprehensive car insurance policies for those who don't have a second vehicle in the meantime of waiting for settlement on their stolen car insurance. This additional type of coverage can be extremely beneficial particularly in situations where vehicles aren't easily replaced.

What happens if your keys are stolen while you're at the dealership?

It wasn't that long ago that misplacing your car keys or loosing them was not a big problem. You could just pop the spare key in your pocket or tuck it into your visor and you were good to go. If you lose a key, you'll need to go to a dealership or automaker. This could cost anywhere from $200 and $500 depending on the car's model and year.

If you report the theft of your car keys quickly to the police the insurance company could pay for the expenses for replacing the lost keys. This includes the cost for locksmiths who can reprogram your key fob, rekey your lock as well as any other costs associated with getting back into your vehicle. It is also recommended to notify your bank right away to freeze any debit or credit card in the car. This will help prevent any fraudulent charges or identity theft from happening.

The majority of comprehensive insurance policies for cars (or "other-than-collision") specifically stipulate that they will include Theft and Larceny. There aren't any "ifs" or conditions. The only time this might not be the case is if you don't use reasonable care as stated in your policy. This is something like parking your car the vicinity of a bonfire, or leaving your keys inside while you're in a store.

If you're worried you might forget your keys in your car or that something else is likely to happen, consider buying an electronic device that tracks your keys or keeping a spare one somewhere secure. This will ensure that you don't need to pay for the full cost of replacing your stolen keys, and could even reduce your insurance cost in the long run. If you have bundle of property insurance, it's possible that your homeowner or renters insurance may cover the cost of replacing your keys as well -- but be sure to check the policy for specifics prior to filing a claim.