What to Do If Your Car Keys Are Stolen
If you've lost your car keys, it could be very frustrating. However, it's important to remain calm and not panic.
Then, go back to the steps you followed. This will help you determine if your car keys were stolen or lost. The next step is to contact your insurance company. You may be eligible to file a claim based on the circumstances.
Inform the police about the theft
The first thing you have to do if your car keys are stolen is to report it to the police. You will receive a crime reference code that you can use to track your keys and vehicle. The police may also be able to offer tips on protecting your vehicle, such as using an ignition lock for your wheel.
The next step is to try and find the keys. Make sure to check every bag, pocket and other possible locations where you might have them. Also, be sure to check places you would not normally look, like underneath the seat or in your shoes. You can also use an app to locate your keys. Examples include Tile and AirTag. These apps can ring your key or show you its last known location on a map however, they only work only if the keys are within reach of your phone.
If you have an older key that doesn't have any fancy chips, you can replace it at the local locksmith. If you have a remote start or smart key, you'll need visit the dealership. It is worth checking to determine if your insurance will cover the cost of replacing a lock and key.
The number of car thefts that occur due to people leaving keys in the vehicle is increasing. It is important to keep your keys secure all the time. Thieves can employ the relay attack to replicate the signal of the car's key fob and then wait for a accomplice to arrive with another piece of equipment that will allow the vehicle to be opened. This is a very common method of car theft in cities, where thieves have access to sophisticated equipment. Always leave an extra set of keys somewhere else than in your vehicle. Also, you should never leave your insurance card or your license in your car as they are essential tools for identity thieves. If you lose your keys, you should contact your insurance provider and the police immediately.
Contact your insurance company
If you have comprehensive car insurance, it is important to inform your insurance company as soon as possible about the keys missing. This will help to ensure your safety and stop others from using your car. Most policies will reimburse you for the cost of a locksmith, or even the dealer of your car 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 have them! It is a good idea to contact your local locksmith as soon as you can and ask them to make duplicate keys for you. They will also be in a position to program the replacement key so that your stolen pair no longer works.
It is always recommended to report any keys that are stolen as soon as possible to the police, especially if it was a smart key or an ordinary turn-key ignition. The police will give you an identification number for the crime and provide additional advice on protecting your vehicle including installing the wheel lock. They might be able to provide suggestions on where to buy a replacement key.
It is important to check your pockets and bags thoroughly before calling your insurance company. It's possible to lose the car key if it's dropped or if your keys are knocked out of your bag when you reach in to take something. If you have searched and you are still unable to locate your keys, it is time to call your insurance company.
The decision to file an insurance claim after losing a car key depends on the type of key you have and the deductible you have. Most old-style mechanical keys are not expensive and can be replaced at a locksmith for less than your deductible. However, newer keys are typically more expensive and must be ordered from the dealer or manufacturer. In some cases keys for cars that are brand new could cost more than your maximum deductible.
It's also important to note that if you're in a position to incur significant debt an insurance company may conduct a credit check to determine if there's a possibility of fraud. This can result in your claim being rejected, or even being investigated. It is therefore crucial to report your keys as soon when you notice them.
Find a new set keys
It is essential to remain in a state of calm and plan what will do if you lose your car keys. There are many options to get new keys. Most options are cheaper than you think. You can also use a Bluetooth key tracker to keep your car keys safe and easily accessible. This is a great choice for those who lose their car keys often. You can locate these types of devices online or in the majority of electronics stores.
The first thing you need to determine is the type of key that you own. If you have an old traditional or mechanical key it can be replaced easily by a locksmith. The keys aren't equipped with any unique features, and can only be used to lock or unlock your vehicle. You may require an auto locksmith or dealer to replace a transponder, a key that is more advanced and usually installed in the key fob.
Most vehicles in the United States that are manufactured after 1990 have a chip in their keys that connects to the computer in the vehicle. You'll require the VIN number of your car to get the new key. A dealership may also create keys for your vehicle, however it may cost more than calling a locksmith.
Whatever type of key you own it is an excellent idea to have an extra key in case of need. This way, you'll be able to quickly return to the road without having to wait for a locksmith's arrival. You'll also be able to avoid paying for a tow and calling roadside assistance.
It is essential to check the pockets of your clothes before you leave and to check places you wouldn't normally look for a key such as in your shoes if you are wearing them, or in the fridge if were drinking a beer. You can also leave an extra key with an individual from your family or a trusted friend. If you're looking to keep your car keys safe and easily accessible Consider using a Bluetooth tracker.
Get your car repaired
You have a few options when your car keys are stolen. You can make an insurance claim to pay the cost of a replacement key fob and have your car locks changed when you do not have a spare or you can buy a new key at a hardware store for much less than what it would cost to file an insurance claim.
Depending on the type of car and whether it has an electronic key fob or standard turn-key ignition, you may require a visit to your dealer or auto dealership to purchase a replacement. The dealer is likely to purchase a new key chip and then pair it with your vehicle, which can be a bit expensive. However your roadside assistance insurance might cover towing the vehicle to a dealership or other service shop that can create an entirely new key, according to Reina.
You must be cautious when dealing with locksmiths because there are scammers that will try to overcharge you for services that your insurance or dealership already covers. Some locksmiths have also been known to use "key phishing," a technique where they trick the owner into thinking that their car's manufacturer sent them a message requesting them to reset their code. These scams are more info very difficult to spot however you can avoid them by entering your code only on the app or website of the car manufacturer.
While you're at it you should check with your home insurance provider to see if they have any additional coverage for keys to your car that are lost. American Family, for instance offers protection for garage door openers as well as dwelling keys without a cost-sharing. The coverage isn't available to all insurers however it's worth a look to see if this coverage is available by your current provider or if you're capable of adding it to your policy.