Will Insurance Cover Stolen Car If Keys Left?

If your car is stolen and your keys are left inside, your car insurance may cover it if you have comprehensive coverage. If you have comprehensive coverage, your insurance provider may cover your stolen automobile even if your keys are left inside.

Does insurance pay if keys left in car?

Most auto insurance policies now exclude coverage for theft if the vehicle is left unlocked and unattended, or if the keys are left in or on the vehicle. If a vehicle is stolen and the insurer refuses to pay, it will be extremely costly to the company.

Does insurance cover keys locked in car?

When your keys are locked in your automobile, roadside assistance can be a big help. This coverage isn’t often included in a basic auto insurance policy, but many insurers provide it as an add-on. Vehicle lockout is almost always covered by roadside assistance, but the specific terms and coverage restrictions may differ. If a locksmith has trouble unlocking your car due to new technology, a defective lock, or other obstacles, your roadside insurance may cover towing charges within a certain radius. Understand your policy and maintain a copy on hand.

Are key fobs covered under insurance?

It’s usually not worth the effort and deductible payment to file a claim for key replacement, however it depends on your deductible amount and the cost of replacing your key. Mechanical keys from the past are inexpensive to replace if you have a spare. Even if you are eligible for a claim, it may be easier and less expensive to pay out of pocket in that scenario. Key fobs are more expensive than mechanical keys, but they are still affordable enough that the cost of replacing a key fob may not exceed your deductible on your car insurance.

If you have a high-tech smart key, there may be an exemption. Replacing and programming laser-cut, programmable smart keys can cost several hundred dollars or more. It’s possible that replacing your key will cost more than a modest deductible on your auto insurance. Even in this scenario, you should consider the financial savings against the time it will take to get the claim approved and handled, as well as the impact it may have on your auto insurance premium.

How does insurance handle a stolen car?

Comprehensive insurance can assist cover car theft, stolen automotive parts, and damage caused by a break-in (such as broken windows or damaged door locks). If you’re leasing or financing your vehicle, your lender will almost certainly need comprehensive coverage.

Does insurance cover stolen vehicles?

Yes! Auto insurance can assist pay for your stolen vehicle if it is not recovered if you have comprehensive coverage on your policy. Custom components, paint, rims, and other aftermarket upgrades may be covered depending on your coverage. Auto insurance will not cover personal goods (cell phones, computers, tools, etc.) stolen from your car, but you will most likely be covered under a homeowners, renters, or condo policy.

How long does it take for insurance to pay out on stolen car?

Your insurer should be able to settle a claim swiftly and easily if your automobile is located within 7 to 14 days and there is little damage.

If it isn’t recovered within this time frame, or if it is found but is damaged beyond repair, you will most likely be offered the car’s market value at the time it was stolen. However, you can only do so if you have a comprehensive or third-party, fire and theft (TPFT) insurance.

Does insurance cover being locked out?

It made me question if insurance would cover locking keys in the car if that happened to me. It all boils down to your insurance coverage. If your insurance policy includes roadside assistance, you’re probably in luck. Coverage limits vary, but if you have roadside assistance, it will almost certainly cover a vehicle lockout. Lockouts are also one of the most affordable roadside assistance options. Hurray!

Continue reading to find out what you should do if you find yourself in this predicament!

What to do if I locked my keys in my car?

You’re bound to lock your keys in the car at some point, and the chances are increasing. Every year, the American Automobile Association receives calls from about 4,000,000 motorists who are locked out. This is grown from around 500,000 just a few years ago. Keyless ignition and increasingly sophisticated electronic anti-theft systems, according to AAA, are the culprits.

With the hectic holiday shopping season approaching, you may be more prone to locking yourself out. Here are some things you can do to keep calm and obtain assistance on the way.

Dial 911

If you fear you’re in danger, don’t hesitate to phone 911. The police can usually unlock the car’s door. If they can’t, they’ll most likely call a tow truck, which will, of course, be on your dime. But at the very least, you’ll be secure.

Call for roadside assistance

This is when your annual auto-club dues start to pay dividends. AAA, Allstate, and other roadside assistance groups can swiftly get you inside, albeit it may take some time for them to arrive. You might still be in luck if you don’t subscribe to such a service. During the basic warranty period, most new cars come with roadside assistance. The information should be in your owner’s manual, which is, of course, locked in the car with the keys. A window decal with the phone number may be displayed. If it isn’t, you can find out more by contacting a dealership. You should save the number on your phone or write it down on paper and put it in your wallet or purse to be prepared. What if you don’t own a new automobile or aren’t a member of a service like AAA? Inquire about adding roadside assistance to your auto policy. In addition, trucks providing emergency assistance patrol some main routes. Keep your eyes peeled for one.

Get a temporary key

A dealer might be able to make you a cheap key that will open the doors (but not start your car) while you wait for your permanent keys to arrive. Your vehicle identification number (visible through the lower edge of the driver’s-side windshield) and proof of ownership will almost certainly be required. Of course, you’ll require transportation to the dealership.

Keep an extra key handy

Keep a spare key in your handbag, wallet, or a well-hidden location in your vehicle. A small magnetic box that can hold a key and be installed on the underside of a car can be purchased. Alternatively, leave a spare with someone who can help you.

Buy a car with benefits

If the key is in the ignition and a door is open, some automobiles won’t lock with the power-lock button. Many Ford, Lincoln, and Mercury vehicles also have a door-mounted keypad that allows you to enter a code to unlock the door. You can contact a toll-free number to have your car remotely opened if you drive a vehicle with a telematics system like GM’s OnStar, Hyundai’s Blue Link, or Mercedes-Mbrace. Benz’s These systems also provide free apps that allow users to open doors using their smartphones. For more information about compatible phones and specifics, go to the manufacturer’s website.


Things become more tricky if you’ve misplaced the key. You’ll require the services of a locksmith. A replacement key can cost anything from $200 to $500. Some higher-end models’ keys might cost hundreds of dollars, and you can only get them from a dealer who will have to configure the remote for you. And that means a costly flatbed journey to the dealer. (Here’s a nice tip for using your keyless remote.) On a hot day, it’ll come in handy.)