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

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 quickly.

The longer you wait longer, the more likely it is that your claim will be rejected. Fortunately, rental reimbursement insurance is available.

Don't panic

It's a frightening moment when you head out to your car only to realize that you're unable to locate your keys. It can ruin your entire day, and it can also be very frustrating. It's essential to be calm and rational. First, make sure you've checked everything - in your pocket bags, bags and other places you could have put them. It is also advisable to go back and review your day. Perhaps you dropped them somewhere or reached in your pocket to pick up your phone, but then threw out your keys.

Contact the police if you can't find them. Reporting the lost car keys to the police as soon as you can will assist them in finding them, and could hinder people from using your vehicle without your consent. It's also important to notify your insurance company of the theft of your car. They will then assist you to get a new set.

You should always check your insurance policy to see if it covers the car's loss. The majority of policies cover a vehicle that was stolen with the keys inside, however the terms and conditions vary. Certain companies do not cover personal items in the car keys stolen but not car therefore you must check with your home or renters insurance company.

It is also advisable to contact the leasing or financing company if your vehicle is leasing. They may need to report the theft to the police as well. This will help them avoid being held responsible for the car if it's stolen and could aid in speeding the process of getting the vehicle returned.

Installing anti-theft gadgets on your vehicle can also help 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 set up, but they can save you money over the long term by preventing theft of your vehicle. It is important to keep your vehicle in good repair and avoid parking it in areas that are prone to danger.

Call the police

If you are unable to locate your car and you suspect it's stolen the first thing you should do is call the police. They will provide you with the crime reference number that is vital in monitoring the progress of the investigation. This will assist you with your insurance claim in the future.

You'll be required to provide a thorough description of your car, including the model, make and color as well as the license plate number as well as the VIN which is on your Proof of Insurance card (this can be a paper document or an app on your phone). If you have any other details about the location and time you last saw it such as distinctive features like large dents or custom add-ons or distinguishing marks and scratches, please give that information too.

If you've made a police complaint it is crucial to notify your insurance company as soon as possible. This will accelerate the process and you may be protected from a high risk of liability. If the thief drives your vehicle and results in an accident, you may be held responsible depending on your state's laws and insurance coverage.

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

The best way to prevent this is to lock your car and never leave valuables in plain sight. Also, you should close the windows completely and avoid leaving your car running when you are not there, especially with keys in it.

If you have home or renters insurance, it might protect the items in your car if they're covered under these policies. If you have electronics in your vehicle, this type of insurance is unlikely to cover them.

It's also crucial to monitor your financial accounts with care if you have any personal documents in your car, such as paycheck receipts and stubs. They could be used for identity theft and you will be required to notify your bank and other institutions as quickly as possible.

Get an extra key

Not long ago the loss of your car keys was not a big deal. You could get them duplicated for a small cost through your local key maker. Many vehicles now have advanced security measures that make it difficult to replace the key on an unintentionally stolen vehicle without asking the dealer or manufacturer for assistance.

If you have a spare key the first thing to do is to keep it in a place that is accessible and safe when you're away from home. It can be stored in a drawer at home or put it in a container near the door. Or, you might give an extra key to a neighbor or friend who you trust.

Once you have a spare key The next step is to contact your dealer to see if they can help. They'll probably be able to deactivate stolen car key fob the key fob that was stolen so that it won't be able to start your car. This should be a simple procedure, but it will depend on your particular year and model of vehicle.

It is also possible to inquire with your insurance provider to inquire about comprehensive coverage, which covers items such as stolen cars with keys in them. This type of cover is typically covered in the majority of automobile policies, however it's best to check your specific policy for more details.

Another option to take if your car got stolen and keys were inside it is to make a claim with the police. This is especially important if your car is financed or leased because the lender will need to be informed of the incident. Insurance claims can help you obtain a replacement key or replace your lost one.

Even if you're just leaving for a few seconds it is recommended to close the doors of your car to prevent it from being stolen in the future. Consider installing antitheft devices in your vehicle to make it harder for thieves to gain access to it. These include steering wheel locks and brake pedal locks. You should also park in areas that are well-lit and secure and avoid leaving valuables or the title of your car inside.

Contact your insurance company

It is important to contact your insurance company immediately after filing the police report. Most insurance companies have online systems that make the process very easy and fast. Contact your agent directly instead of a call center operator to avoid a back and forth process and delays in this highly sensitive time. Prepare to answer all questions. You will be asked to provide information about your car including the year color, model license plate number, the model and make. They might also ask for other pertinent details, such as the location and the date of the theft. They will also ask if the vehicle has any extra features, such as the GPS system or other security measures.

If you have coverage that is comprehensive, the car will be covered - regardless of whether the keys were put in the car. If, however, you only have liability insurance, the vehicle will not be paid for. This is why you should always ensure that you have comprehensive coverage for your vehicle.

Typically, your insurance will cover the actual cash value of your stolen vehicle which is the value that was in the market for the vehicle at the time of the theft, less any applicable deductible. You will most likely be required to provide a third-party assessment of your car stolen without key so keep one on file or search for one online.

Once the claim is approved after which you will be provided with an opportunity to wait for a period of time, which will vary by insurer. During this time, your insurance company will be searching for the vehicle to be reclaimed. If it's found, you will be reimbursed for the vehicle (minus your deductible).

If you're lucky enough, you may be in a position to get your car back within the waiting period. If not, you'll receive the cash value (minus the deductible) of the vehicle you lost. You can use the money to purchase a brand new car should you choose to. Be aware, however, that any claims made on your policy could increase the cost of your insurance. Contact your agent if you're not certain whether you should make claims.