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If you have insurance that is comprehensive on your car, it will cover your vehicle even if it's not yours to leave the keys inside. However, it's important to act swiftly.

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

Don't panic

It's a frightening moment when you go how to replace stolen car keys get your car only to discover that you're not able to find your keys. It can ruin your day, and it's also very annoying. This is why it's important to be at peace and remain sane. Examine your bags, pockets and other places where you might have placed them. You should also go back and review your day. Maybe you dropped them in a place or reached in your pocket to pick up your phone, only to knock out your keys.

Contact the police if you cannot locate them. Notifying the police about the loss of your keys to your car to police immediately will help them find them and may hinder people from using your vehicle without your permission. Notifying your insurance company about the theft of your car is crucial. This way, they can help you obtain new keys.

It is advisable to verify the insurance policy to see if it covers the loss of your car. Most of the policies cover a car that is stolen with keys in it however the terms and conditions may differ. Some companies do not cover personal items inside the vehicle. Make sure to check with your renters or home insurance' insurance provider.

If the car you are leasing or financed, you should contact the leasing or financing company, too. They will likely want to report the theft to the police as well. This will keep the owner from being held responsible for the vehicle in the event it is stolen. It may also speed up the process to get the vehicle returned.

It is also recommended to install anti-theft devices in your vehicle to deter thieves. These can include the use of a GPS tracker, a steering wheel lock or a car alarm. These devices will usually cost a little more to install however they could save you money in the end by preventing the theft of your vehicle. The most important thing is to ensure that your vehicle stays in good shape and to not leave it parked in areas that are risky.

Contact the police

Contact the police if can't locate your vehicle, but are aware that it was taken. You'll be provided with an identification number that is vital for tracking the progress of your investigation. This will assist you with your insurance claim in the future.

You'll need to provide a detailed description of the vehicle, including make/model and color along with the license plate number. The VIN can be found on your Proof of Insurance (this could be a paper document that you can access on your phone or an app). If you have additional details about the location and time you last saw it such as distinctive features like large dents, custom-designed accessories or distinctive marks and scratches, please give that information too.

If you've completed a police report, it's crucial to inform your insurance company as quickly as possible. This will speed up the process, and also protect you from liability that is too high. This is because when a thief causes an accident while driving your vehicle you could be accountable based on your state laws and insurance coverage.

Car thefts that have keys left in them are on the rise, according to NICB data. Every 32 seconds, a car with keys inside is robbed in the United States. This results in a loss each year of more than $8 billion.

The best way to avoid this is to always lock your car and never leave valuables out in the open. Also, you should open your windows all the way and be sure to not leave the car running in the dark. This is particularly true when you have keys in the car.

If you have home or renters insurance, it could protect the items in your car if they are covered under these policies. If you have electronic devices in your vehicle, this kind of insurance is unlikely to cover them.

You should also monitor your financial accounts, especially if you keep personal documents like receipts and paycheck stubs in your vehicle. It is important to notify your bank immediately.

Get a spare key

Losing your car keys was not a big issue in the past. You could have them duplicated at a minimal cost through your local key maker. Many cars now have high-tech security measures that make it difficult to replace the key of an unintentionally stolen car keys from house vehicle without going to the dealer or automaker for help.

If you have a spare key, the first thing to do is to put it somewhere accessible and safe when you're away from home. For instance, you might keep it in your home in a special drawer or in a keybox by the door. You could also give the spare key to a friend or neighbor who you trust.

If you have an extra key, the next step is to call your dealership to inquire if they can help. The dealership should be able to disable the key fob in order to stop it from being used to start your car. This is a straightforward procedure, but it will depend on the particular model and year of vehicle.

It is also possible to speak with your insurance company for comprehensive insurance, which covers things such as stolen cars with keys in them. Most auto policies include this type of insurance, but you should check your policy for specific details.

If your car was taken with keys inside, you must also file a police report. It is important to inform the lender if you have an unfinanced or leased vehicle. Insurance claims may even assist you in getting a new key or replace your lost one.

Even if you're only leaving for only a few minutes it is important to close the doors of your car to prevent it from being deactivate stolen car key fob in the future. Also, you should consider putting in antitheft devices to make it harder for thieves to break into your vehicle. Examples of this include steering wheel locks, brake pedal locks and car alarms. You should also park in well-lit and secure areas and be sure to not leave valuables or the title of your vehicle inside.

Contact your insurance company

After you've filed a police report and you have received a police report, you must contact your insurance company immediately. The majority of insurance companies have online systems that make the process very easy and fast. Avoid delays and back-and-forth by calling your agent directly instead of contacting the call center. Be prepared to answer any questions they may have. You'll be asked to provide specific information about your car including the year color, model license plate number, color and the make and model. They may be looking for additional details such as the location and the date of the theft. They will also inquire whether the vehicle is equipped with extra features, such as the GPS system or other security measures.

If you have comprehensive insurance your car will be covered regardless of whether keys were not left in it. If you only have liability insurance the car won't be covered. It is for this reason that you should have a full coverage for your car.

Your insurance policy for car owners will usually cover the value of the cash value of your stolen vehicle. This is the value of the vehicle at the moment of the theft plus any applicable deductible. You'll likely be asked to submit an independent assessment of your car, so keep one on file or find one online.

After the claim is processed, you may be notified of a waiting time. This will differ from insurer to insurer. During this period the insurance company will be searching for the vehicle that is to be recovered. You will be able to receive a reimbursement for the vehicle (minus any deductible).

If you're lucky, you might be in a position to get your vehicle back within the waiting period. If not, you'll receive the actual cash value (minus the deductible) of your stolen vehicle. You can use the funds to purchase a brand new car if you plan to. Remember that any claims you file on your insurance policy will raise your rates. If you're not sure whether or not you should submit a claim, talk to your insurance agent and ask their advice.