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what to do if your car keys are stolen to Do If Your car keys stolen but not car Got Stolen With Keys in It

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

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

Don't panic

It's a terrifying moment when you head out to your car only to discover that you're not able to find your keys. It can make your day miserable and be frustrating. It is essential to be calm and rational. Check your pockets, bags and other places you may have put them. Also, go back and review your day. Perhaps you threw them in a place or reached into your pocket to grab your phone, but knocked out your keys.

Call the police if you are unable to locate them. Reporting the lost keys to your car stolen with keys inside to police as soon as you can will assist in locating them, and could stop people from using your vehicle without your permission. It's also crucial to inform your insurance company of the theft of your car. In this way, they can help you get new keys.

Always verify the insurance policy to determine whether it covers your car's loss. Most of the policies cover a stolen car with keys inside however the terms and conditions differ. Some companies don't cover personal items in the vehicle therefore you must check with your renters or home insurance company.

If your vehicle is leased or financed, you should contact the financing or leasing company as well. They'll likely want to report the theft to the police as well. This will keep the owner from being held accountable for the vehicle if it is stolen. It can also accelerate the process of getting the vehicle back.

You should also consider installing anti-theft equipment in your vehicle to discourage thieves. These devices can include a GPS tracker, a steering-wheel lock or an alarm for your car. These gadgets will typically cost a little more to install, but they can save you money in the end by preventing theft of your vehicle. The key is to keep your car in good shape and to not leave it parked in dangerous areas.

Contact the police

If you can't find your car and know that it's gone missing the first thing to do is contact the police. You'll be provided with a crime reference code that is vital for tracking the progress of your investigation. This will help you with your insurance claim in the future.

You'll need to provide a detailed description of the vehicle, including the model and make and 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 for example, distinctive features such as large dents, custom-designed add-ons or distinguishing marks and scratches, please include that information as well.

Once you have filed a police report it is crucial to notify your insurer as soon as you can. 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 held accountable, based on your state laws and insurance coverage.

Keys stolen from cars with keys in them are on the rise, according to NICB data. In reality, a vehicle is taken with keys in it every 32 seconds across the United States and this accounts for over $8 billion of losses annually.

The best way to avoid this is to lock your car and never leave valuables out in the open. Also, you should roll up your windows to the maximum and ensure that you do not leave your car running while unattended particularly with keys inside.

If you have home or renters insurance, it might protect the items in your car if they are covered under these policies. If you have electronics in your vehicle, this kind of insurance isn't likely to cover them.

You should also keep an eye on your financial accounts if you have personal documents, such as receipts and paycheck stubs inside your vehicle. You should alert your bank immediately.

Get an extra key

In the past the loss of your car keys wasn't an issue. You could get them duplicated at a minimal cost from your local key maker. Now, however, many automobiles have security features that make it difficult to replace a stolen car key without going to the automaker or dealer for help.

If you have a spare key, the first step is to place it somewhere secure and easy to access when you're away from home. For instance, you might keep it in your home in a specific drawer or in a keybox by the door. Or, you could give the spare key to a neighbor or friend who you are confident in.

If you have an extra key the next step is to call your dealership to find out whether they are able to assist. The dealership will probably be able to deactivate the key fob in order to stop it from being used to start your car. It's a simple process, but it will depend on the model and year of your car.

You might also want to speak with your insurance company to inquire about comprehensive insurance, which covers things such as stolen keys what to do cars with keys inside. This type of cover is typically covered in the majority of automobile policies, however it is best to review your policy specifically for more information.

If your car was stolen with the keys inside, you should also file a police claim. It is important to inform the lender if you own a financed or leased car. Insurance claims can assist you in getting a new key or replace the one you lost.

To ensure that your vehicle isn't taken away with keys in it in the future, you should always secure the doors of your vehicle, even if you're stepping away for a few seconds. Also, you should consider putting in antitheft devices that make it harder for thieves to gain access to your vehicle. These include steering wheel locks and brake pedal locks. It is also recommended to park in well-lit and secure areas and be sure to not leave valuables or the title of your car inside.

Contact your insurance company

It is important to contact your insurance company right away after you've filed the police report. Many insurance companies have online services that make it easy and quick to complete the procedure. Contact your agent directly instead of an operator in a call center to avoid back-and-forth and delays in this highly-sensitive situation. Prepare to answer all questions. You will be asked to provide information regarding your vehicle, including the year, model, color license plate number, the make and model. They might be looking for additional information such as the time and location of the theft. They will also inquire if the vehicle has any extra features, like the GPS system or other security measures.

If you have comprehensive coverage, the vehicle will be covered regardless of whether keys were put in the car. However, if you only have liability insurance, your car is not covered. This is the reason that you should have comprehensive coverage on your car.

Typically, your insurance will pay for the cash value of your vehicle, which is the market value of the vehicle at the time of theft, minus any applicable deductible. You could be asked to submit an independent evaluation of your car, so you should keep a copy in your file or search on the internet for.

Once the claim is approved, you will be given an opportunity to wait for a period of time that will differ by insurer. During this time your insurer will be looking for the vehicle to be reclaimed. If it is found, you will be reimbursed for the vehicle (minus your deductible).

If you're lucky enough, you may be successful in getting your car back in the time period. If not, you will be compensated for the actual value of the car you lost (minus your deductible). You can use the money to buy a new car should you choose to. Be aware, however that any claims you make on your policy will raise the cost of your insurance. If you're not sure whether you should submit a claim, talk to your insurance agent and ask their advice.