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what to do if your car keys are stolen to Do If Your Car Got Stolen With Keys in It

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

The longer you wait longer, the more likely it is that your claim will be rejected. Rental reimbursement coverage is available.

Don't panic

It's a frightening moment when you go to get your car and realise you're not able to find your keys. It can ruin your entire day, and can be very annoying. This is why it's crucial to stay calm and think rationally. Take a look in your bags, pockets and other places where you might have put them. You should also look back and reflect on your day. Perhaps you threw them somewhere, or reached into your pocket to grab your phone, only to knock out your keys.

If you're unable to locate them, it's time to contact the police. Reporting the loss of keys to the police immediately will assist in locating them and may stop anyone from using the vehicle without your consent. It is also essential to inform your insurance company of the theft of your car. They will then assist you to get a new set.

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

If the car you are leasing or financed, you should contact the leasing or financing company, too. They will likely need to report the theft to the police, too. This will shield the owner from being held responsible for the vehicle in the event it is stolen car keys what to do. It could also expedite the process to get the vehicle returned.

Installing anti-theft devices in your vehicle can also help deter thieves. These can include a GPS tracker, a steering wheel lock or a car alarm. These devices typically cost a bit more to install however, they can save you money over the long term by preventing theft of your vehicle. It is essential to keep your vehicle in good repair and avoid parking it in a dangerous area.

Contact the police

Contact the police if cannot find your car but you know it's been stolen. They will give you an identification number for the crime that is crucial in tracking the progress of the investigation. This will also aid in your insurance claim later.

You will be required to provide a thorough description of your car, including the make/model, color and the license plate number as well as the VIN that is on your Proof of Insurance card (this can be a paper document or an app on your smartphone). Please provide any additional information you may have about the vehicle, including when you last saw it and when you last saw it, as well as any distinctive features, such an enormous dent, or custom-designed additions, or distinctive scratches or marks.

It is important to inform your insurer as soon you submit a police complaint. This will speed up the process and may even protect you from undue liability. This is because, should the burglar cause an accident while driving your vehicle you could be held accountable, based on the laws of your state and insurance coverage.

NICB data shows that car thefts in which keys are left in the vehicle are on the increase. Every 32 seconds, a vehicle with keys inside is stolen in the United States. This results in a loss of over $8 billion.

The best way to avoid this is to lock your car and never leave valuables in plain sight. You should also open your windows all the way, and avoid leaving the car running unattended. This is especially true if you have keys in the car.

Another aspect to be aware of is that your renters or homeowner's insurance might cover the items that you have in your car If they were insured under those policies. However, if you had electronics in your vehicle it is likely that they wouldn't be covered under this kind of policy.

You should also be aware of your financial accounts if you have personal documents like receipts and paycheck stubs in your vehicle. It is important to notify your bank immediately.

Get an extra key

Losing your car keys was not a huge issue in the past. You could go to a local key maker and get them duplicated for a relatively cheap cost. Today, however, many automobiles have security features that make it difficult to replace a stolen key without having to go to the automaker or dealer for assistance.

If you have an additional key, it is best to keep it in a location that is secure and easily accessible when you are away from home. You could keep it in a drawer in your home or put it in a container near the door. You can also offer an extra to a neighbor or a friend you are confident in.

If you have a spare key, the next step is to contact your dealer to see whether they are able to assist. The dealership should be able to disable the key fob in order to stop it from being used to start your my car key fob was stolen. This is a simple process, but it depends on the particular model and year of vehicle.

If you have comprehensive insurance, it is likely that your insurer will take care of things like keys that are left in cars that have been stolen. Most auto policies include this type of insurance however, you should verify your policy for specific information.

If your car was taken with keys inside, you must also file a police report. It is crucial to inform the lender that you own an unfinanced or leased vehicle. You might even be able to obtain a new set of keys or a replacement for your lost ones via the insurance claim.

Even if you're just leaving for just a few seconds, you should lock your vehicle's doors to stop it from being stolen in the future. It is also recommended to put in antitheft systems to make it harder for thieves to break into your vehicle. This includes the locking of the steering wheel and brake pedal locks. You should also park in well-lit and secure areas and avoid leaving valuables or the title of your vehicle inside.

Contact your insurance company

If you have 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 which make the process simple and quick. Avoid delays and back-and-forth by calling your agent directly instead of through the call center. Prepare to answer all questions. You'll be asked to provide specific information about your vehicle, such as the year color, model license plate number, the make and model. They might be looking for additional details, such as the location and the date of the theft. They will also ask whether the car has extra features, such as an GPS system or other security measures.

If you have comprehensive coverage your car will be covered - regardless of the fact that keys were left in it. If you only have liability coverage the car won't be protected. This is why it is important to always get comprehensive coverage on your vehicle.

Typically, your insurance will cover the actual cash value of your vehicle that is the market value of the vehicle at the time of the theft, minus any applicable deductible. You will likely be asked for an independent assessment of your vehicle, and you must keep one in your files or search for it online.

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

If you're fortunate, your vehicle will be located and returned to you within the waiting period. If it isn't the case, you will be refunded for the actual value of the car you lost or stolen car keys (minus your deductible). If you are planning on buying a new vehicle, you can use this money to purchase it. Remember that any claims you make on your insurance policy will increase your rates. If you're not sure whether you should file a claim, talk to your insurance representative and get their opinion.