Lost or Stolen Car Keys Replacement Insurance Coverage – All You Need To Know. How To Get Reimbursement, How Much Money They Cover & More.

Lost Car Keys Insurance Coverage Information

Lost Car Keys Insurance Coverage Information


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In this article:

Introduction   – How to claim money back from your insurance when you lost your car key. Things you should know.

What should I do to make sure I get reimbursement from my insurance for my lost or stolen keys.

Useful links – Check your insurance policy coverage.

Want to know more before you make a decision? Check out our blog: Locksmith near me



Replacing lost or stolen car keys involve time and money. In addition, especially for newer models that operate with a push to start technology, the process may cost even more. Click here for more information about the estimated cost and tips on HOW TO SAVE A LOT of money when replacing your car keys.

Many times, even though we are not aware of that, our insurance policy may cover the cost or at least a portion of getting a new replacement car key.

Key fob replacement and coding - Usually covered by insurance

Key fob replacement and coding – Usually covered by insurance


That is, of course, depends on the type of key you had and your insurance coverage.

We did a research to find out which insurance companies cover replacement keys or stolen items as well as if car keys are covered under warranty.

What we found was that while replacement car keys are not covered under car’s warranty, most insurance companies do offer at least a partial reimbursement for lost or stolen car keys, usually up to $150-$200 of the total cost.

In addition, we found out that AAA also covers between $50-$150 with certain memberships.

Therefore, we would highly recommend calling your insurance agent before deciding how to replace your car keys. The reason is that some insurance companies work with a specific provider and if you choose to do it on your own, it may result in failure to get reimbursement for your expense.

Most car insurance companies cover most of replacement car keys services

Most car insurance companies cover most of replacement car keys services

Moreover, even if your insurance policy doesn’t cover replacement car keys it may cover lockout services under emergency roadside assistance coverage, most times up to $100. And since most of the time losing your car keys means you are also locked out of the car, there you go, you can get a reimbursement!

Finally, and we can’t emphasize how important this is: always, but always, get an invoice for the money you spent and submit it to your insurance company, even if you didn’t call them before. Many insurance companies will reimburse you nonetheless!

Need ideas about how to find your car keys? CLICK HERE

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What should I do to make sure I get reimbursed and avoid delays from my insurance in case I lost my car keys?

Tips how to get money back for replacement keys from your insurance

Tips how to get money back for replacement keys from your insurance

  1. First, once you realize you lost your keys, call them. Explain the situation and ask if you are covered for this type of incident. In addition, don’t forget to ask maybe you have a lockout coverage, which may be relevant for you as well to reduce the total cost.
  2. Ask them what your options are. Some insurance companies will tell you to contact a local locksmith and submit the invoice. Others will contact a locksmith on your behalf.
  3. Regardless of what they tell you, make sure to keep the invoice. In addition, it would be better to pay with a CC to show additional proof.
  4. Moreover, in cases where the keys were stolen, go to the police and report it. Keep it for your record as the insurance company may want that.
  5. In addition, in case you contact a locksmith, make sure he or she gives you an invoice with a detailed description of the work. Type of key they sold you, VIN number, year make and model clearly stated on the invoice, as well as your name and service address.
  6. Finally, to avoid a situation where your premium goes up, make sure you verify this before you submit the claim.

In conclusion, it is always a good idea to call your insurance agent in case you lost your car keys. It may save you a lot of time and money!

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Here are some useful links:

AAA – https://autoclubsouth.aaa.com/automotive/roadside-assistance.aspx

Allstate – https://www.allstate.com/auto-insurance/towing-labor-coverage.aspx

American Family Insurance – https://www.amfam.com/insurance/car/emergency-roadside-service

Amica – https://www.amica.com/en/claim-center/roadside-assistance.html

Auto Owners – https://www.auto-owners.com/claims/road-trouble-service

Erie Insurance – https://www.erieinsurance.com/auto-insurance/emergency-road-service

Esurance – https://www.esurance.com/info/car/emergency-road-service-coverage

Farmers – https://www.farmers.com/claims/roadside-assistance/

Geico – https://www.geico.com/auto-insurance/emergency-road-service/

Hartford – https://www.thehartford.com/car-insurance/comprehensive-car-insurance

Liberty Mutual – https://www.libertymutual.com/auto/car-insurance-coverage/comprehensive-insurance

Nationwide – https://www.nationwide.com/roadside-assistance.jsp

Progressive – https://www.progressive.com/claims/roadside-assistance/

State Auto – https://www.stateauto.com/insurance/individuals/roadside-assistance/

State Farm – https://www.statefarm.com/claims/get-roadside-assistance

The Hartford – https://www.thehartford.com/car-insurance/towing-insurance

Travelers – https://www.travelers.com/car-insurance/coverage/roadside-assistance

USAA – https://www.usaa.com/inet/ent_search/CpPrvtSearch?SearchPhrase=roadside%20assistance

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