Can You Claim Lost Car Keys On Insurance?

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   Rich Haag

   President, Rich Haag & Associates, Inc., Clayton, NC

   Yes you could if you had comprehensive coverage. However since most key costs are under the deductible amount it would not make much sense to ruin your claims free discount in order to receive $0 from the insurance company. Even if you had a $100 deductible and the electronic keys were $150, the discounts lost plus having a claim on your record would outweigh any benefit to receiving the $50.

   Answered on January 20, 2015

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