Does my car insurance cover lost keys and key scratches?

If you buy comprehensive car insurance, most insurance companies will cover the cost of lost keys and key scratches.  Some insurance companies will cover only the cost of replacing the keys but nothing more such as replacing other keys that were with the car keys. If the keys were stolen, you must provide a police report before the insurance company will act on the claim.

There might also be a deductible to pay. For key scratches, read the policy because some companies set a time limit on claiming and it can be as short as 24 hours. Again, there will be a deductible to pay.


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