1 L ITTLE & S ONS INSURANCE Does Car Insurance Cover Stolen or Damaged Keys? 2 Car insurance is designed to cover you in emergency situations. Perhaps your engine dies, and you ne ed immediate assistance. Comprehensive auto insurance is designed to cover you in this situation. Another serious auto emergency is losing or misplacing your keys. Here's a closer look at car insurance for lost keys C ar I nsurance P olicy : D oes it covers lost key ? Comprehensive insurance assists you if your keys are lost or stolen; however, you are responsible for paying the replacement cos t. If your keys are stolen as part of a car theft, then you are covered under the comprehensive insurance policy. Your key may also be covered by home insurance as it is part of your personal belongings Should I File a Claim? Before approaching your ca r insurance provider for your lost keys, you should reconsider whether it is beneficial for you or not. Since your deductible is one of the most important variables, you need to check if the replacement cost is more or less than your deductible amount. The replacement cost of your key might be very inexpensive, and there is a possibility that it may not cost you as much as your policy deductible. Furthermore, the one situation where it definitely makes sense to file a claim is if you have an enhanced key. S mart keys cost hundreds of dollars to reprogram. It's recommended that you assess 3 your options, including potential savings, whether your insurance premiums will rise, and the amount of time it takes to process the claim. Emergency Assistance You will receive emergency assistance from your comprehensive auto insurance provider. In the event of roadside assistance, notify your insurer about your lost key as soon as possible so they can dispatch a locksmith to assist you. Your insurance should c over the dispatch fee, but you'll likely have to pay a deductible for creating the new key. If the locksmith can't provide immediate service, your roadside assistance should cover your towing service to a repair shop or dealership. Replacement Options Tech Key s If you have a high - tech key, it's not recommended that you use aftermarket parts to replace it. The re - keying process may be complicated. It's recommended that you have your car towed to the dealership if you need a new high - tech key Mechanical Key s If yo u have an older model vehicle that uses a traditional mechanical key, you can have a new key made at a general hardware store. Be aware, though, that most manufacturers currently use electric key fobs. Remote Key s Some vehicles function using a remote to l ock and unlock them. You can shop for a blank remote control fob and have a locksmith program it. Some key fobs allow you to program it manually as long as you have the original key on hand. However, you'll still need to cut the mechanical part. Another be nefit of these keys is that your locksmith may copy your key online if an emergency occurs. This prevents you from possibly paying for tow service Consult with Little & Sons Insurance Services to Cover Your Lost Car Keys Losing your car key is an uncomf ortable situation. Luckily comprehensive car insurance does provide some assistance Contact the team here at Little & Sons Insurance Services if you are searching for the right car insurance policy We will help cover the cost of your lost car keys