Will my auto insurance rates increase if I put a claim in for the theft of my keys?

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.

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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

The club won't help if yopu a club key on your ring. andthey can cut the plastic part of the wheel and just slip the club off. A better system is a brake lock, it fits under the brake pedal and a clamp slides up and blocks the pedal from being depressed, the car won't start and it can't be stopped,,,unless you have a brake lock key on your ring.

Your insurer will NOT pay to re-key the car. It's not in the policy, you can't make them change their company policy just for you and no amount of crying or complaining will change that fact. If you feel that strongly about the situation then sell the car.

Most insurance companies will not pay to re-key the car. They will cover a new set of keys, minus the deductible. Check with your company.

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The claim for stolen keys will be covered under comprehensive and those claims are not surchargable. I doubt that they will pay to re-key your car but even if they would I'll let your common sense answer your question, If the claim is $2,000. do you suppose that even < IF > the rates increase, the increase will be more than $2,000. ?