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

If you have insurance that is comprehensive for your vehicle it will cover your vehicle even if you leave the keys inside. It is important to act swiftly.

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

Don't panic

When you're trying to get in your car, and you cannot locate your keys it's a terrifying moment. It can ruin your entire day, and it's also extremely annoying. It is essential to remain calm and logical. Examine your bags, pockets and other places where you might have placed them. Also, look back and reflect on your day. Perhaps you threw them somewhere, or reached in your pocket to pick up your phone, only to knock out your keys.

Contact the police if you are unable to locate them. Reporting the lost keys to the police as soon as you can will assist them in finding them and may stop someone from using the vehicle without your consent. It's also crucial to inform your insurance company of the car theft. They will then assist you to get a new set.

You should always verify the insurance policy to see whether it covers the loss of your car. The majority of policies cover the loss of a vehicle with keys inside, but the terms and conditions vary. Certain companies don't cover personal belongings in the vehicle, so you should check with your renters or home insurance company.

It is also advisable to contact the finance or leasing company if your vehicle is being leased. They'll likely need to report the theft to the police as well. This will prevent them from being held responsible for the car if it's stolen and can aid in speeding the process of getting the vehicle back.

Installing anti-theft gadgets on your vehicle can also discourage thieves. These could include the use of a GPS tracker, a steering wheel lock, or an alarm for your car stolen with keys in it. These gadgets are more expensive to install, but will save you money by preventing theft. The most important thing is to ensure that your vehicle stays in good shape and to not leave it parked in dangerous areas.

Call the police

If you can't find your car and you suspect it's been stolen the first thing you should do is call the police. They will give you an identification number for the crime that is vital in monitoring the progress of the investigation. This will also aid in your insurance claim later on.

You'll need to provide a detailed description of your car keys stolen no spare, including the model, make and color as well as the license plate number, as well as the VIN that can keyless car be stolen be found on your Proof of Insurance card (this could be a physical document or an app on your phone). If you have additional information about where and when you last saw it, for example, distinctive features such as large dents or custom-designed accessories or distinctive scratches and marks, you must provide that too.

Once you have completed a police report it is crucial to notify your insurance company as quickly as possible. This will speed up the process and may even protect you from undue liability. If the thief drives your vehicle and results in an accident, you could be held liable based on the laws in your state and insurance coverage.

NICB data indicates that car thefts where keys are left in the vehicle are increasing. In fact, a car is taken with keys in it every 32 seconds across the United States and this accounts for more than $8 billion of losses each year.

The best way to prevent this is to always lock your car and not leave valuables out in the open. Also, you should close your windows to the maximum and ensure that you do not leave your car running when you are not there and especially with keys in it.

Another important thing to remember is that your renters or homeowner's insurance may cover the things you had in your vehicle, if they were insured under those policies. However, if you included electronics in your vehicle, they likely wouldn't be covered under this kind of policy.

You should also keep an eye on your financial accounts, especially if you keep personal documents like receipts and paycheck stubs inside your vehicle. It is essential to notify your bank immediately.

Get an extra key

A few years ago the loss of your car keys wasn't a big deal. You could have them duplicated at a minimal cost from your local key maker. Many cars now have high-tech security measures that make it difficult to duplicate the key of a stolen vehicle without going to the automaker or dealer to seek 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 away from home. For example, you might keep it in your house in a drawer that is specifically designed for it or in a box close to the door. You could also give an extra to a neighbor or a friend who you consider trustworthy.

Contact your dealership and inquire if they can assist you. The dealership should be able to disable the key fob, preventing it from being used to start your vehicle. It's a simple process, but it will depend on the make and year of your vehicle.

If you have comprehensive insurance, your insurance will take care of things like keys that are left in cars that have been stolen. This type of insurance is typically included in all auto policies, but it's best to check the specific policy for more information.

If your car was taken with the keys inside, you should also file a police report. This is especially important if your car is financed or leased, as the lender will need to know about the incident. You may even be able to obtain new keys or an alternative to your lost ones through the insurance claim.

Even if you are just taking just a few seconds it is recommended to 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 difficult for thieves to gain access to it. This includes steering wheel locks as well as 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

If you have filed a police report and you have received a police report, you must contact your insurance company right away. Many insurance companies have online systems that make the process easy and fast. Avoid delays and back-and-forth by calling your agent directly instead of through the call center. Prepare to answer all questions. You will be asked to provide specific information about your car including the year color, model license plate number, color and the make and model. They might also ask for other pertinent details such as the location and date of the theft. They will also want to know whether the car has any unique features, like the GPS system or any other security measures.

If you have comprehensive insurance your car will be covered - regardless of whether the keys were put in the car. If you only have liability coverage, the car won't be protected. It is for this reason that you should have a comprehensive insurance policy on your car.

Typically, your car insurance will cover the cash value of your stolen vehicle which is the market value of the vehicle at the time of theft, minus any applicable deductible. You will likely be asked to submit an independent evaluation of your car, so you must keep one in your file or look it up online.

After the claim is processed, you could be granted a waiting period. This will differ from insurer to insurer. During this time, your insurer will be searching for the vehicle. You will receive a refund for the vehicle (minus any deductible).

If you're lucky, you might be able to get your car back within the waiting period. If not, you'll be compensated the actual value (minus the deductible) of your stolen vehicle. If you're thinking of buying a new vehicle, you can use this cash to purchase it. Be aware, however that any claims you make on your policy will raise the cost of your insurance. If you're unsure whether or not you should make a claim, speak to your insurance agent and get their opinion.