Will My Insurer Cover Lost Car Keys?

Let us assume you have recently traveled somewhere, maybe even went on a family trip, and you somehow misplaced the keys to your car, or someone took them from you. And you are now standing in front of your vehicle in a dark parking lot or secluded alley in a town you are not familiar with, trying to figure out the easiest way of getting back in.

If the only thing you can think of is to have an emergency locksmith come over and pick the locks o your car to restore access to it, you might as well do it sooner than later. You do not want to be putting yourself and your family at any risk, especially if you are away from home. If you have spare set of keys somewhere, you should try to reach them. If your insurance also covers roadside assistance services, including locksmithing services, you should give your roadside assistance a call. They should be able to rapidly reach your location and help you get back behind the wheel. And they will also most likely be provide you with new keys to your car in no time.

But what if you have lost the keys to your car? Do you think this is an expense that will be covered by your insurance policy? Keep reading to find out!

How Much Does It Cost To Replace Your Lost Car Keys?

  • It's a tricky question that does not have a simple, straightforward answer. It all depends on the make, model, and year of your vehicle and the type of locks it has on it.

  • Generally speaking, to can cost a lot to have your car keys replaced.Keep the number of a reliable car unlocking service near me in your phone for easy reach. Provided your keys do get stolen, chances are you will receive coverage from your insurer. That is, if you have signed up and are paying for a comprehensive insurance policy. If you are not sure, ask your insurance company about any key coverage – make sure you do it before you are actually in a pickle and you need new sets of keys.

  • You could easily reach a few hundreds of dollars for the most advanced models of today's cars. The more complex the technology used to build the lock, the deeper you will need to dig into your pocket to cover for the replacement keys.

  • Plus, if your vehicle uses switch blade or smart keys, you will be charged some rather exorbitant replacement costs. A smart key enables you to start the ignition or disable the engine with the simple press of a button. The same keys are used to trigger the locking and unlocking for doors whenever a sensor is activated. Can you imagine how much it would cost to have such a smart key reprogrammed?

  • It is important to be able to opt for an insurance policy that automatically covers new keys. But you may also be asked to add an extra key replacement rider. Get in touch with your agent today and find out exactly what you are covered for.

  • Keep in mind a stolen car key will be covered under comprehensive insurance. You should receive compensation for the cost of replacing ignition keys, door keys, and re-keying the car to prevent further theft.