No doubt, losing your car keys is a frustrating ordeal — and a pretty common one. When people lose their car keys, one of the first questions they ask is whether their auto insurance will cover lost keys. In today’s post, we provide an answer.
Does Auto Insurance Cover Lost Keys?
The short, simple answer is no, auto insurance does not cover lost keys.
The reason is that, depending on your specific coverage, auto insurance offers protection against damage to your vehicle, injuries sustained in an accident, and liability claims against you. Losing your car keys, while inconvenient, does not pose a threat to the safety or integrity of your vehicle.
As a general rule, auto insurance is not meant to cover personal items that are deemed to be the responsibility of the driver, such as wallets, phones, or keys. These items are typically not covered by auto insurance.
Although it is unusual, some carriers offer lost car key insurance as a special add-on you can purchase in addition to your base policy. Check with your insurance agent to discover what type of protection you have in place.
Options for Replacing Your Lost Keys
Even if insurance won’t cover your lost car keys, there are other options to replace them without having to file an insurance claim.
One option is to check if you have a spare key at home. If not, you can contact a locksmith or auto manufacturer for a replacement key.
It is also not uncommon for auto insurance companies to offer roadside assistance plans that can help you in certain situations. These plans often cover the cost of services such as towing, battery jump-starts, and gas delivery.
Wrapping It Up
In conclusion, auto insurance generally does not cover lost car keys because it’s meant to protect against damage to the vehicle or injuries sustained as a result of an accident.
In some rare cases, insurance companies do offer coverage for lost keys. Check with your insurance agent to see what type of coverage you have currently in place and what add-ons are available.
RF1 Insurance Services: Auto Insurance in Southern California
Looking for auto insurance you can rely on? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.