Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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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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