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

If you have comprehensive insurance for your vehicle it will protect your vehicle even if you forget the keys inside. It is important to act quickly.

The longer you wait the more likely that your claim will be denied or subject to fraud investigation. Rental reimbursement coverage is available.

Don't panic

It's a frightening moment when you get to your car only to realize that you're not able to find your keys. It can make your day miserable and be a source of frustration. This is why it's essential to stay calm and think rationally. First, make sure you've checked everywhere - in your pocket bags, bags and other places where you may have placed them. Also, go back through your day and see if you've set them down in a place or reached into your bag to grab your phone, and then smashed your keys out of there.

If you're unable to locate them, it's time to call the police. It's essential to report the loss of your keys to your car as soon as you can, as this will assist the police in locating the keys and prevent the use of your vehicle by someone without your permission. It is also essential to inform your insurance company about the car theft. In this way, they will be able to help you get new keys.

It is advisable to verify the insurance policy to determine whether it covers the loss of your vehicle. Most policies cover a vehicle that was stolen with keys inside, but the conditions and terms vary. Certain companies do not cover personal belongings in the car. Contact your home insurance or renters' insurance provider.

If your car is leased or financed, it is best to contact the leasing or financing company as well. They may need to report the theft to the police, too. This will protect the owner from being held accountable for the vehicle in the event it is stolen car with keys left in it. It could also expedite the process to get the vehicle returned.

It is also recommended to install anti-theft devices in your vehicle to discourage thieves. These can include an GPS tracker, a steering wheel lock, or a car alarm. These devices will usually cost a little more to set up however, they can save you money in the end by preventing the theft of your vehicle. The key is to keep your car in good shape and to not leave it parked in areas that are risky.

Contact the police

Contact the police if you are unable to locate your vehicle but you know it's been stolen. You will be given an identification number that is vital for tracking the progress of your investigation. This will assist you with your insurance claim in the future.

You will need to give a detailed description of the vehicle, including the model and make as well as the license plate number. The VIN can be found in your Proof of Insurance (this could be a paper document that you carry around on your phone, or an application). If you have other information regarding where and when you last saw it such as distinctive features like large dents or custom-designed add-ons or distinguishing scratches and marks, you must include that information as well.

If you've filed a police report it is crucial to notify your insurer as soon as you can. This will help speed the process and could even shield you from excessive liability. This is because, if the thief causes an accident while driving your vehicle and you are accountable based on the laws of your state and insurance coverage.

Car thefts with keys left in them are on the rise, according to NICB data. Every 32 seconds, a vehicle with keys inside is robbed in the United States. This results in a loss each year of more than $8 billion.

The best way to prevent this is to always lock your car and not leave valuables in plain sight. Also, you should roll up the windows completely and avoid leaving your car running while unattended, especially with keys in it.

If you have renters or home insurance, it might cover the items inside your car if they are covered under these policies. If, however, you had electronics in your car it is likely that they wouldn't be covered under this kind of policy.

You should also keep an eye on your financial accounts if you have personal documents like receipts and pay stubs in your vehicle. It is essential to notify your bank as soon as you can.

Get an extra key

Losing your car keys was not a big issue in the past. You could get them duplicated at a low cost through your local key maker. Today, however, many cars have high-tech security features that make it difficult to replace a stolen key without going to the dealer or automaker for help.

If you have an additional key, it is best to put it in a place that is safe and easily accessible when you are away from home. For instance, you could keep it in your home in a specific drawer or in a box close to the door. You can also give a spare to a neighbor or a friend you trust.

If you have an extra key, the next step is to contact your dealership to inquire if they can help. The dealership should be able to disable the key fob, preventing it from being used to start your vehicle. This should be a simple procedure, but it will depend on the particular year and model of vehicle.

You might also want to inquire with your insurance provider to inquire about comprehensive coverage, which covers items like stolen vehicles with keys inside. This type of cover is usually included in most insurance policies, but it's best to check your specific policy for more details.

Another thing to do should your car key stolen what do i do be stolen and keys were inside it is to submit a claim to the police. It is important to inform the lender if you have an unfinanced or leased vehicle. You might even be able to receive a new set of keys or a replacement for your lost or stolen car keys ones through the insurance claim.

To avoid having your car stolen with the keys in it in the future, it is recommended to always secure the doors of your vehicle, even when you're not in the car for a few seconds. Consider installing antitheft devices in your vehicle to make it more difficult for thieves to break into it. Some examples of these include steering wheel locks as well as brake pedal locks. You can also install car alarms. Parking in secure, well-lit areas is also recommended. Do not leave valuables in your vehicle or the title.

Contact your insurance company

After you've completed a police report, you should contact your insurance company right away. Most insurance companies have online systems which make the process quick and easy. Avoid delays and back-and forth by calling your agent directly instead of contacting the call center. Be prepared to answer any questions they may have. You will be asked to provide details about your car including the year, color, model, license plate number and the model and make. They might also ask for other pertinent information such as the time and location of the theft. They will also inquire whether the vehicle is equipped with extra features, like a GPS system or other security measures.

If you have comprehensive insurance the car will be covered - regardless of whether keys were not put in the car. If you only have liability insurance the car stolen keyless entry will not be protected. This is the reason that you should have comprehensive coverage for your car.

Typically, your car insurance will cover the cash value of your stolen vehicle that is the value that was in the market for the vehicle at the time of the theft, minus any applicable deductible. You'll likely be asked to submit an independent evaluation of your car, so keep one on file or locate one online.

Once the claim is processed after which you will be provided with an amount of time to wait that will differ by insurer. During this period your insurer will search for the vehicle. If it's found, you will be reimbursed for the vehicle (minus your deductible).

If you're lucky, you may be in a position to get your car back within the waiting period. If it isn't then you will be compensated for the cash value of your stolen car (minus your deductible). You can use the money to purchase a brand new car should you choose to. Remember that any claims you file on your insurance policy will increase your rates. Contact your agent if you're not sure whether you should make an claim.