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

If you have comprehensive auto insurance, you will be covered even if you forget your keys in your car. It is important to act quickly.

The longer it takes the more likely that your claim will be rejected or subject to fraud investigation. Fortunately, rental reimbursement coverage is available.

Don't panic

It's a scary moment when you get to your car only to discover that you can't find your keys. It can be a disaster and be a source of frustration. It's important to remain calm and rational. Examine your bags, pockets and other places where you might have put them. It is also advisable to go back and review your day. Perhaps you threw them somewhere, or reached in your pocket to retrieve your phone, but knocked out your keys.

Contact the police if are unable to locate them. Reporting the loss of keys to the police as soon as you can will help them find them and may hinder someone from using the vehicle without your consent. Notifying your insurance company of the car theft is also crucial. This way, they can assist you obtain new keys.

It is advisable to check your insurance policy to determine whether it covers your loss of your vehicle. Most policies cover a car that is stolen with keys in it, but the terms and conditions vary. Certain companies do not cover personal items inside the car. Check with your home insurance or renters the insurance company.

It is also advisable to contact the leasing or financing company if the car is being leased. They will likely need to report the theft to the police as well. This will protect the owner from being held accountable for the vehicle in the event it is stolen. It can also accelerate the process to get the vehicle returned.

It is also recommended to install anti-theft devices in your vehicle to discourage thieves. This could include a steering wheel lock and car alarms, or a GPS tracker. These gadgets are more expensive to install, but can save you money by preventing theft. The key is to keep your car in good condition and avoid parking it in areas that are risky.

Call the police

If you are unable to locate your car and you suspect that it's gone missing, 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 also aid in your insurance claim later.

You will need to give a detailed description of the vehicle, which includes the make/model and color as well as the license plate number. The VIN can be found in your Proof of Insurance (this could be a paper or digital document that you can access on your phone or an application). If you have other details about the location and time you last saw it, such as distinctive features like large dents or custom-designed add-ons, or distinct scratches and marks, you must give that information too.

It is crucial to notify your insurance company as soon as you submit a police complaint. This will make the process easier, and protect you from excessive liability. This is because if the thief causes an accident while driving your vehicle you could be accountable based on your state laws and insurance coverage.

NICB data indicates that car thefts in which keys are left in the car are on the rise. In reality, a vehicle is stolen with keys inside it every 32 seconds across the United States and this accounts for more than $8 billion of losses each year.

It is advisable to lock your car at all times and to never display valuables. It is also recommended to open your windows all the way and be sure to not leave the car running unattended. This is particularly true if you have keys in the car.

Another thing to keep in mind is that your renters or home insurance could cover the possessions that you have in your car, if they were insured by those policies. If you have electronic devices in your vehicle, this type of insurance is unlikely to cover them.

You should also keep an eye on your financial accounts if you keep personal documents, such as receipts and paycheck stubs in your vehicle. They could be used for identity theft and you will be required to notify your bank and other institutions as quickly as possible.

Find a spare key

Losing your car keys was not a huge issue in the past. You could get them duplicated at a minimal cost by your local key maker. Many cars today have advanced security features that make it difficult to duplicate the key of a stolen vehicle without contacting the dealer or manufacturer for assistance.

If you have a spare key the first thing you should do is to put it somewhere secure and easy to access when you're at home. It could be kept in a drawer in your home or in a box near the door. You could also give a spare to a neighbour or friend that you are confident in.

Contact your dealership and inquire if they can assist you. They'll likely be able to deactivate the stolen key fob so that it can't be used to start your vehicle. It should be a straightforward procedure, however it will depend on the model and year of your car.

If you have comprehensive insurance, your insurer will take care of things like keys left behind in vehicles that have been mercedes sprinter stolen without keys. The majority of auto policies provide this type of insurance, but you should check your policy for specific information.

Another thing to do in the event that your car was stolen keys and keys were inside it is to file a claim with the police. It is essential to notify the lender if you own an unfinanced or leased vehicle. You might even be able to obtain new keys or an alternative to your lost ones via the insurance claim.

Even if you are just taking a few seconds, you should secure your vehicle's doors to ensure that it is not stolen in the future. Consider installing antitheft security devices in your vehicle to make it harder for thieves to break into it. This includes steering wheel locks as well as brake pedal locks. You should also park in areas that are well-lit and secure and avoid leaving valuables or the title of your vehicle inside.

Contact your insurance company

It is important to contact your insurance company right away after you've filed the police report. Most insurance companies have online systems which make the process simple and quick. Contact your agent directly instead of a call center operator to avoid delays and back-and-forth in this highly-sensitive situation. Be prepared to answer any questions they may have. They will ask you to provide details regarding your car, such as the year, make and model along with the color and license plate number and the location and when it was taken and any other relevant information. They will also ask if the vehicle is equipped with any special features, such as the GPS system or other security measures.

If you have coverage that is comprehensive your car will be covered regardless of whether keys were not put in the car. If you only have liability insurance, the car won't be protected. This is the reason why you should always have a comprehensive insurance policy on your vehicle.

Typically, your car insurance will pay for the cash value of your vehicle that is the market value of the vehicle at the time of theft, less any applicable deductible. You may be asked for an independent evaluation of your vehicle, and you must keep one in your file or look it up on the internet for.

Once the claim is approved, you will be given an amount of time to wait that will vary depending on the insurer. During this time the insurer will be looking for the vehicle. If it is found, you will receive reimbursement for the vehicle (minus your deductible).

If you're lucky, your my car keys were stolen what do i do will be found and returned to you within the waiting period. If not, you'll be compensated the actual value (minus the deductible) of the vehicle that was stolen. You can use the money to purchase a brand new car in the event that you decide to. Be aware that any claims you file on your insurance policy will raise your rates. If you're unsure if you should file a claim, talk to your insurance agent and get their opinion.