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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 26, 2022

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We’ve all been there at one time or another, patting our pockets and frantically searching our house for our keys. A driver might wonder from time to time if their insurance policy even covers a lost key should it never resurface.

The answer isn’t a straight yes or no, because it will depend on a number of factors.

When will lost keys be covered under insurance?

Keys can be expensive, especially with the way that technology has advanced. Smart keys now exist, which could cost upward of $500 to replace. Because of this, it could be easier to file a claim for a lost key if it’s going to cost more than your deductible. Even with key replacements and comprehensive coverage, you’re still going to have to pay your deductible down first before your insurance company will help you with a lost key.

So it becomes a matter of weighing whether or not a claim on a lost key would be worth it. Some companies won’t cover the entirety of replacing your key, offering reimbursements instead, so it’s also best to know what comes with your current comprehensive insurance policy. You can always contact your insurance company, or even look online under your policy details to find out whether or not your current provider would help you with a lost key.

If your keys are stolen, there’s a better chance that your comprehensive coverage would help, since stolen keys could be classified under theft and vandalism. Unfortunately even in the event that your keys were stolen rather than misplaced, you would still have to pay your deductible when you file a claim. It would still be advisable to work with an insurance representative or go online to get the answers to your questions, since each insurance provider operates differently when it comes to vanished keys.

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Does insurance cover key scratches?

Key scratches would be considered cosmetic damage to your vehicle, and would potentially be covered if you have the right type of policy. How the scratches came to be would also play into how a claim would be handled. Acts of vandalism are generally covered under comprehensive. Collision coverage would only handle cosmetic damages done during an accident with another vehicle, so it’s advisable to have comprehensive to cover any of the other dangers that may affect your car.

If your auto policy has comprehensive, you’ll need to find out what the process would be to file an insurance claim for scratches on your vehicle. The payout will depend on a number of factors, including how badly the paint has been scratched, and what the repair costs will be. Deep scratches that cut through multiple layers of paint will take more than just some touch-up paint to fix for example. You want to make sure that the scratches won’t end up causing your vehicle to rust.

Is filing a claim worth it for a lost key or a key scratch?

If you buy comprehensive car insurance, you will have a better chance of getting assistance with scratches and a lost or stolen key. Keep in mind that 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.

Additionally, if your keys were stolen, you must provide a police report before the insurance company will act on the claim.

As with any portion of your policy, and no matter what type of claim you’re filing, there will be a deductible for you to pay. Your decision should boil down to whether the claim would be worth the cost, or if it would be cheaper to replace the key out of your own pocket.

Talk to your insurance provider, and determine what would be the best and most affordable course of action before filing a claim.

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