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Lost car key insurance

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Even though modern car keys are not so small like they used to be, they are still small enough to be kept in our pockets, hands or purses. This is the reason why so many people forget where they have left their keys. In situations like this, it may take some time before the car owner remembers where their keys are. Unfortunately, there are situations in which car keys are stolen. We all know that when people talk about insurance they usually think about covering their vehicle, but what happens when keys are stolen? “Is rekeying my car covered if keys are stolen” is one of the most common question related to rekeying these days.

Lost car key insuranceThe fact is that there is no universal answer to this question. Every insurance company knows what they have agreed to cover and these companies have strict policies. There are cases when they clearly point out that rekeying after a lost key is not covered by your coverage, so in cases like this, you must look for a solution without their help.

In most cases, if you have a coverage for a towing service, you will be able to apply the same coverage toward a lost key event. For most companies, all you need is to send a copy of our reciept to your insurance company and you will get reimbursed for around a 100$.

It is good to point out that car insurance policies are different and they are affected by two things – state regulations and laws and the guidelines and policies of the insurance company. It is not unusual for an auto insurance company to pay the full cost of rekeying your car and even to reprogram remote controllers and this is all part of their standard comprehensive coverage. They recognize these cases as part of the damage they are covering. In case you are wondering why some of these insurance providers are interested in providing such coverage, the reason may surprise you. They believe that it is a much better idea to pay the car owner for rekeying when they report such case then to face higher claims when the criminal returns and steals the vehicle.

However, there are cases when car owners should pay certain amount of money for rekeying their car - for instance, if the deducible is higher than the cost to rekey the vehicle. So, if the cost for rekeying the car is about $300 and the comprehensive deductible is $400, the car owner won’t be able to make a claim and they will have to pay the cost from your own pocket.

There are insurance providers that don’t pay for rekeying in any situation and they have valid arguments for that. After all, the insurance is focused on covering losses related to the vehicle itself (damages to the vehicle and stolen vehicles) and the key is just a peripheral item related to the car.

Regardless of the insurance you have, it is crucial to change the locks of your vehicle because the person who stole the keys can cause a lot more damage if they use the stolen keys. It is also good to point out that in case the thief gets caught and you have already paid for rekeying you can sue this person for your loss.




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About Us

  • AffordableKeyReplacement.Com afford extremely trained, swift and economical mobile car key replacement assistance in Houston Texas and nearby area by appointing most reliable roadside assistance locksmiths personals. If you sealed your keys in your trunk, lost the keys to your truck, jammed you ignition, door or trunk lock cylinder in the middle of the highway, our car key generating experts are on a duty call around the clock for any emergency lockout or key made situation and can be with you anywhere in Houston and sorrounding area to copy your keyless entry and remotes for almost any kind of American, Asian, Japanes, German or European vehicles. Only our locksmiths can offer you industry first class car opening and key reproduction services on the spot at such affordable rates. The gosl of AffordableKeyReplacement is to never compromise on the quality of our man labor and parts attempting to reduce costs. We will always validate that you will get the premium service, by a skilful and dedicated technician at a genuine and minimal rates possible.

Coverage Area

  • We’re fully faithful to our consumer enjoyment in Southside Place, West University Place, Piney Point Village or Spring Valley, imbuing in each one of our team members an attitude that puts the folks and enterprises in Briar Forest, Oats Prairie, Pine Valley, Eldridge, Allendale comes first in everything we do. As a result of that commitment, many consider us the key-smith to count on for their auto emergency needs. If you would like a car key outplacement near Happy Landings AirportHouston Airpark Airport, Golfcrest Country Club, Texas Southern University, Houston Baptist University or Everest Institute-Greenspoint, we can replicate a key, balanc a keyless entry system or smoothly open car doors or trunks. Our AffordableKeyReplacement professional locksmith can arrive on the scene within around 20 minutes of your call.

Licensed Locksmith

  • Believe it or not, but while other areas of the security services (e.g. door staff, and firefighting, access control or even keyholding companies) are governed and licensed, the industry of automotive locksmithing is not regulated in any way by the USA government. This means that any estaplishment or a person can trade as a lock-smith irrespective of their background, competence and even motive. For this reason AffordableKeyReplacement is using private licensing scheme for approved companies who met 3 key criteria; Harris county criminal records bureau’s check, regular inspection checking audit trails for quality purposes and employing qualified locksmiths.
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Lost car key insurance
Lost car key insurance
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Hummer key replacement
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Iveco key replacement
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