Will my auto insurance rates increase if I put a claim in for the theft of my keys?
My purse (along with car keys) was stolen a few weeks ago. I called Toyota to get an approximation as to how much it would cost to replace the keys (just over $350 for a remote and transmitter key). My mom (I'm still under my parent's insurance) contacted our insurance agency and they said they would cover it and our rates would not increase. I figured the car should be rekeyed too since the thieves had my address. I went to Toyota to get a written estimate - they were having trouble printing off a written estimate and wrote it on a card - rekeying would be just over $350 so keys+rekeying = just over $700. My mom sent my dad today to get it written on company letterhead, etc. and he came back with an over $2,000 estimate - it looks like they actually want to pull the locks out and replace a computer??? So my mom is saying we're not putting in a claim because our insurance rates will increase (even though no one has said they would increase) in the meantime I have to worry about my car being stolen (I have a club on it), people going into it, etc. So, typically, would one's auto insurance rates increase after putting in a claim for theft? Does it make a difference if it's $700 or $2,000? I would just figure the insurance company wants your car to be as safe as you do so you don't have to claim even more for a stolen car.
2009-11-16T21:53:59Z
We do have comprehensive insurance.
2009-11-16T22:24:37Z
I'm not asking what they will/will not cover. I already know they'll cover the keys - I don't know if they'll cover any sort of rekeying, but I'm not asking that here. I just want to know if it's typical if you put in a claim for theft if your rates will go up because my mom keeps insisting that they secretly will.
PamelaS2009-11-16T21:31:03Z
Favorite Answer
Theft of keys would be a comprehensive claim - not a chargeable incident. It's nothing like an at-fault accident.
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RE :Will my auto insurance rates increase if I put a claim in for the theft of my keys? My purse (along with car keys) was stolen a few weeks ago. I called Toyota to get an approximation as to how much it would cost to replace the keys (just over $350 for a remote and transmitter key). My mom (I'm still under my parent's insurance) contacted our insurance agency and they said they would cover it and our rates would not increase. I figured the car should be rekeyed too since the thieves had my address. I went to Toyota to get a written estimate - they were having trouble printing off a written estimate and wrote it on a card - rekeying would be just over $350 so keys+rekeying = just over $700. My mom sent my dad today to get it written on company letterhead, etc. and he came back with an over $2,000 estimate - it looks like they actually want to pull the locks out and replace a computer??? So my mom is saying we're not putting in a claim because our insurance rates will increase (even though no one has said they would increase) in the meantime I have to worry about my car being stolen (I have a club on it), people going into it, etc. So, typically, would one's auto insurance rates increase after putting in a claim for theft? Does it make a difference if it's $700 or $2,000? I would just figure the insurance company wants your car to be as safe as you do so you don't have to claim even more for a stolen car. Update: We do have comprehensive insurance. Update 2: I'm not asking what they will/will not cover. I already know they'll cover the keys - I don't know if they'll cover any sort of rekeying, but I'm not asking that here. I just want to know if it's typical if you put in a claim for theft if your rates will go up because my mom keeps insisting that they secretly will. Follow 11 answers
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RE Will my auto insurance rates increase if I put a claim in for the theft of my keys?
My purse (along with car keys) was stolen a few weeks ago. I called Toyota to get an approximation as to how much it would cost to replace the keys (just over $350 for a remote and transmitter key). My mom (I'm still under my parent's insurance) contacted our insurance agency and they said they would cover it and our rates would not increase. I figured the car should be rekeyed too since the thieves had my address. I went to Toyota to get a written estimate - they were having trouble printing off a written estimate and wrote it on a card - rekeying would be just over $350 so keys+rekeying = just over $700. My mom sent my dad today to get it written on company letterhead, etc. and he came back with an over $2,000 estimate - it looks like they actually want to pull the locks out and replace a computer??? So my mom is saying we're not putting in a claim because our insurance rates will increase (even though no one has said they would increase) in the meantime I have to worry about my car being stolen (I have a club on it), people going into it, etc. So, typically, would one's auto insurance rates increase after putting in a claim for theft? Does it make a difference if it's $700 or $2,000? I would just figure the insurance company wants your car to be as safe as you do so you don't have to claim even more for a stolen car.
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RE Will my auto insurance rates increase if I put a claim in for the theft of my keys?
My purse (along with car keys) was stolen a few weeks ago. I called Toyota to get an approximation as to how much it would cost to replace the keys (just over $350 for a remote and transmitter key). My mom (I'm still under my parent's insurance) contacted our insurance agency and they said they would cover it and our rates would not increase. I figured the car should be rekeyed too since the thieves had my address. I went to Toyota to get a written estimate - they were having trouble printing off a written estimate and wrote it on a card - rekeying would be just over $350 so keys+rekeying = just over $700. My mom sent my dad today to get it written on company letterhead, etc. and he came back with an over $2,000 estimate - it looks like they actually want to pull the locks out and replace a computer??? So my mom is saying we're not putting in a claim because our insurance rates will increase (even though no one has said they would increase) in the meantime I have to worry about my car being stolen (I have a club on it), people going into it, etc. So, typically, would one's auto insurance rates increase after putting in a claim for theft? Does it make a difference if it's $700 or $2,000? I would just figure the insurance company wants your car to be as safe as you do so you don't have to claim even more for a stolen car.
The victim had no control over the "drunk guy" damaging their vehicle, so no fault to the victim. Filing a claim under comp will not increase the rates. If the insured (victim) has rental car reimbursement then they can get a rental car while theirs is in the shop. I would have the victim get different estimates for the damage just to make sure the place that gave the original estimate is on the up and up. Good Luck