What to Do If Your Car Keys Are Stolen
If you lose your car keys, it can be extremely frustrating. But, it's essential to keep calm and not get stressed.
First, retrace the steps you've taken. This will help to determine if your car keys are actually stolen or just misplaced. The next step is to contact your insurance company. You might be able to file a claim, based on the circumstances.
Inform the police
The first thing you have to do if your car keys are stolen is report it to the police. This will provide you with an identity number that can be used to track the keys and your vehicle. The police may also be able to provide advice about protecting your vehicle, such as using an ignition lock for your wheel.
The next step is to find the keys. Be sure to search every pocket, bag, and other places where you may have keys. Be sure to look in places you wouldn't usually look like under the seat or in your shoes. You can also use an application to locate your keys. Examples include Tile and AirTag. These apps can ring your key or show its last known location on a map however, they can only be used if the keys are within reach of your phone.
If you have a traditional car key (think older keys without any fancy chips) then you can find a replacement at the local locksmith. However, if you own an electronic key or remote start, then you'll have to visit the dealership to purchase. In this case, it is worth checking your insurance policy to determine whether they will cover the cost of a new key and lock.
The number of car thefts that happen because people leave their keys in the vehicle is on the rise. It is crucial to keep your keys secure all the time. Thieves may use the relay attack to copy the signal from a car's key fob, then wait for an accomplice to arrive with a piece of equipment to open the vehicle. This is a very common method of car theft in cities, where thieves have access to sophisticated equipment. Always keep a spare key other than inside your vehicle. Never leave your insurance or license in your vehicle, as they are valuable tools for identity thieves. If you have lost your keys, contact your insurance company and the police immediately.
Contact your insurance company
If you're a comprehensive car insurance policy owner it is crucial to inform your company immediately of the missing keys. This will help to ensure your safety and also stop others from utilizing your vehicle. Most insurance policies will reimburse you for the cost of a locksmith, or even the car dealer to make a new set of keys.
While it is very stressful to lose your car keys, the most important thing you want is for someone else to take keys! It's a good idea to contact your local locksmith as soon as you can and ask them to make a duplicate key for you. They can also program the keys to ensure that your stolen pair will not work anymore.
It's always best to report any keys that are stolen as soon as you can to the police, especially when it was an electronic key or a standard key ignition that is turned on. The police will provide you with an incident reference number and offer further advice about protecting your vehicle, such as installing a wheel lock. They might also provide suggestions on where to buy a replacement key.
You should examine your bags and pockets thoroughly before making contact with your insurance company. It's possible to lose a car key if it's dropped or if your keys get tossed out of your bag when you reach in to grab something. If you have searched and still cannot find your keys, it's time to call your insurance provider.
The decision on whether to file an insurance claim after the loss of a car key is based on the type of key you have and the amount of your deductible. The majority of old-style mechanical car keys are inexpensive and can be replaced by a locksmith at an expense less than the insurance deductible. However, newer keys are usually more expensive and require a purchase from the manufacturer or dealer. In some cases keys for cars that are brand new may exceed your deductible.
It's also worth noting that if you're in serious debt an insurance company could run a credit check to determine if there's the possibility of fraud. This could lead to your claim being denied or even being investigated. Therefore, it is crucial to immediately report your keys as soon when you notice them.
Purchase a new set of keys
It is essential to remain calm and plan what you will do if you lose your car key. There are many ways to obtain new keys. The majority of options are less expensive than you think. You can also use a Bluetooth key tracker to keep your car keys safe and easy to find. This option is especially helpful in the event that you lose your car keys often. You can find these types of devices on the internet or in many electronics stores.
The first step is to determine the kind of key you own. If you read more have an older mechanical or traditional key, you can easily replace it by a locksmith. The keys aren't equipped with any unique features, and they can only be used to lock or unlock the vehicle. If you have transponder keys, a more advanced type of key, which is usually installed inside the key fob or chain, you may need to visit an auto locksmith or dealer to obtain an replacement.
Most vehicles in the United States that are manufactured after 1990 have a chip embedded in their keys that is tied to the computer of the vehicle. This means that you'll need to have the VIN number for your car in order to get a new key. Dealers can also create a new key for your car, but it may cost more than going to locksmith.
No matter what type of key you own it is an excellent idea to have a spare just in case. You'll be able to return to the road without waiting for locksmith. Additionally, you will be in a position to avoid paying for tows and call roadside assistance.
Examine your pockets and other places you might not normally search for keys, like in your shoes if they're on or in the refrigerator if you've been drinking beer. You can also leave keys with a trusted family member, and you might even consider using a Bluetooth key tracker to help keep your keys in a safe place and easily accessible.
Get your car repaired
There are a few different options you can choose from when keys to your car are stolen. You could file an insurance claim to pay the cost of a new key fob and have your car's locks changed when you do not have a spare or you could get an alternative key from hardware stores for less than it would cost you to make an insurance claim.
You may have to go to your dealer to replace the key, depending on whether your vehicle is equipped with an electronic fob or a standard turn-key ignition. The dealer might need to order an electronic key chip and link it up with your vehicle. This can be expensive. According to Reina, your roadside coverage could pay for towing your car to a dealer or service shop where a new one can be made.
Be cautious when dealing with locksmiths, as there are scam artists who will try to charge you for services that your insurance or dealer already covers. Some locksmiths have also been caught using "key phishing," a technique where they trick the owner into thinking that their car manufacturer has sent them a message requesting them to reset their codes. These scams are hard to spot, but you can stay clear of them by entering your code only through the official website or app of the manufacturer.
While you're there, you should also contact your insurance company for home insurance to determine if they provide any additional protection for lost car keys. American Family's home insurance, as an example, provides coverage for keys to your garage and for dwelling openers without the deductible. This coverage is not available from all insurance companies. It's worth to determine if the current provider provides it or if you are able to add it to your existing policy.