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What to Do If Your Car Got Stolen With Keys in It

If you have comprehensive auto insurance, you'll be covered even if forget your keys in your car. It is crucial to act promptly.

The longer you wait the more likely it is that your claim will be denied or subjected to a fraud investigation. Rental reimbursement coverage is available.

Don't panic

When you're trying to enter your car, and you can't locate your keys, it's a frightening moment. It can ruin your day, and it can also be extremely annoying. It's important to remain calm and logical. Check your pockets, bags and other places where you might have put them. It is also advisable to revisit your day. Maybe you dropped them somewhere, or reached in your pocket to retrieve your phone, but then threw out your keys.

If you are unable to locate them, you need to call the police. It's essential to report the loss of your car keys immediately in order to assist the police in locating the keys and hinder the use of your vehicle by someone without your consent. Informing your insurance company of the car theft is also important. They can then help you get a new set.

Always verify the insurance policy to determine whether it covers your loss of your car. The majority of policies cover a vehicle that has been stolen with keys inside, but the conditions and terms vary. Certain companies don't cover personal belongings in the car and you should confirm this with your renters or home insurance provider.

If the car you are leasing or financed, you should contact the financing or leasing company as well. They'll also want to report the incident to the police. This will protect the owner from being held accountable for the vehicle if it is stolen. It can also speed up the process to get the vehicle returned.

Installing anti-theft devices in your vehicle can also help deter thieves. These can include the use of a GPS tracker, a steering wheel lock, or an alarm for your car. These are more expensive to install but can save you money by protecting you from theft. It is crucial to keep your vehicle in good working order and not leave it in dangerous areas.

Contact the police

If you're unable to locate your vehicle and suspect it's been stolen the first thing to do is contact the police. You'll be provided with the crime reference number which will be essential to track the progress of your investigation. This will assist you with your insurance claim in the future.

You'll need to provide an exact description of the vehicle, including make/model and color along with the license plate number. The VIN can be found in your Proof of Insurance (this could either be a physical document that you carry around on your phone, or an app). If you have any other details about the location and time you last saw it for example, distinctive features such as large dents or custom add-ons, or distinct scratches and marks, you must provide that too.

It is crucial to notify your insurance company as soon as you submit a police complaint. This will speed up the process and might even shield you from unnecessary liability. This is because, when a thief causes an accident while driving your vehicle and you are held liable depending on your state laws and insurance coverage.

Car thefts with keys stolen left in them are increasing according to NICB data. Every 32 seconds, a vehicle with keys inside is robbed in the United States. This results in a loss of over $8 billion.

It is recommended to secure your vehicle at all times and to not leave valuables out in the open. You should also roll up the windows all the way and avoid leaving your vehicle running unattended, especially with keys inside.

If you have home or renters insurance, it could cover the items in your vehicle if they're covered under these policies. If, however, you included electronics in your vehicle, they likely wouldn't be covered under this type of policy.

It's also crucial to monitor your financial accounts closely when you have personal documents in your vehicle such as pay stubs and receipts. It is important to notify your bank immediately.

Get a spare key

In the past, losing your car keys wasn't a big deal. You could have them duplicated for a small cost by your local key maker. Nowadays, however, a lot of automobiles have security features that make it difficult to replace a stolen key without going to the dealer or automaker to get assistance.

If you have an additional key, you should put it in a spot that is secure and easily accessible when you're at home. It can be stored in a drawer within your home or in a box close to the door. You can also give a spare to a neighbor or a friend who you trust.

Once you have a spare key the next step is to call your dealer to see whether they can assist. They'll probably be able to deactivate the stolen key fob so that it won't be able to start your car. This is a simple procedure, but it will depend on the specific model and year of your vehicle.

If you have comprehensive insurance, your insurer will cover things like keys left behind in vehicles that have been stolen. The majority of auto insurance policies cover this type of insurance however, you should verify your policy for specific information.

If your car was taken with the keys inside, you should also file a police claim. This is especially crucial when your vehicle is being financed or leased, as the lender needs to know about the incident. Insurance claims can assist you in getting a new key or replace the one you lost.

To avoid having your car stolen car key fob car with keys left in it - read article, with the keys in it in the future, you must always secure the doors of your vehicle, even if you're stepping away for a short time. Consider installing antitheft devices in your vehicle to make it harder for thieves to gain access to it. This includes steering wheel locks as well as brake pedal locks. Parking in well-lit, secure locations is also recommended. Don't leave valuables inside your vehicle or in the title.

Contact your insurance company

It is important to contact your insurance company immediately after filing the police report. Many insurance companies have online systems that make the process easy and fast. Try to contact your agent directly instead of a call center operator to avoid delays and back-and-forth in this time sensitive situation. Be prepared to answer any questions they may have. You'll be asked to provide information regarding your vehicle, including the year, model, color, license plate number and the make and model. They may also request other relevant information such as the location and date of the theft. They will also ask if the vehicle has any extra features, such as a GPS system or other security measures.

If you have comprehensive insurance, your car will be covered even if keys are not left in the vehicle. However, if you only have liability insurance, the vehicle will not be paid for. It is for this reason that you should always have comprehensive coverage on your vehicle.

Typically, your insurance will cover the actual cash value of your stolen vehicle which is the value that was in the market for the vehicle at the time of the theft, less any applicable deductible. You will most likely be asked to submit a third-party assessment of your car so keep one on file or search for one online.

Once the claim has been processed, you could be granted a waiting period. It will differ from insurer to insurer. During this period the insurer will be looking for the vehicle. If it is, you will receive reimbursement for the vehicle (minus your deductible).

If you're lucky, your car was stolen with keys inside will be found and returned to you within the time period. If it's not then you will be compensated for the cash value of the car you lost (minus the deductible). If you are planning on purchasing a new car, you can use the money to purchase it. Keep in mind, though that any claims filed on your policy could increase the cost of your insurance. Talk to your agent if you're not sure whether you should make claims.