My car was broken into and my car keys, among other things, got stolen. Luckily the car wasn't stolen. But since my bag was stolen and has my address inside, I'm worried that the thief would come to my home and drive my car away. I plan to have my car re-keyed. Does anyone know if my auto insurance cover that? I have comprehensive coverage from Geico. I don't want to file a claim if they're not going to cover it. Thanks in advance.
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posted: Nov. 7, 2009 @ 1:39a
WalStMonky
Happy Member
posted: Nov. 7, 2009 @ 1:53a
Why did they have to break in if the keys were in the car?
Got a deductible to consider? I'd think you could get a 4 door done for less than $250 so what difference does it make if it's covered?
LtWaldo
Thrifty Member
posted: Nov. 7, 2009 @ 1:57a
Why don't you just call up Geico and ask? They have great CS. If you're scared of them for some reason, you could always ask as a "potential customer".
I love these threads where people post on FWF before even asking any of the principals involved.
WalStMonky
Happy Member
posted: Nov. 7, 2009 @ 2:03a
Geico has good CS? With that horrid approval rating they're always bragging about as if it meant people were happy with their service?
Think about it. 97% sounds good, until you stop and think that maybe 90% of people have no interaction with their auto insurer other than to send them a check. Even if as many as 20% of the people are making a claim that 97% satisfaction rate translates into an unhappy 15% of the customers which they do interact with as insurers.
It's easy to make people happy if they expect nothing from you.
WalStMonky said: Why did they have to break in if the keys were in the car?
Got a deductible to consider? I'd think you could get a 4 door done for less than $250 so what difference does it make if it's covered?many modern cars only have one exterior door keylock these days (the drivers door).
You will also need to get your remote reprogrammed.
Unfortunately, It is very likely your car and home keys may be used to burglarize your home or steal your car when they have your home address.
Glacierwolf
Dismembered Member
posted: Nov. 7, 2009 @ 9:45a
twngan said: My car was broken into and my car keys, among other things, got stolen. Luckily the car wasn't stolen. But since my bag was stolen and has my address inside, I'm worried that the thief would come to my home and drive my car away. I plan to have my car re-keyed. Does anyone know if my auto insurance cover that? I have comprehensive coverage from Geico. I don't want to file a claim if they're not going to cover it. Thanks in advance.
If your house keys were on the same keyring as the car keys or in your bag, you need to get the house re-keyed as well. No hesitation, no second thoughts. This could be the first act in a play you don't wanna star in.
Why did you leave your keys/purse in your car? Did you cancel any of your credit cards, etc? If the crook doesn't attempt to use those, they probably won't go to your home, but it is better to be safe than sorry and change ALL of your locks.
Also a factor is how far from your home your keys were stolen.
aeiouy
Senior Member - 1K
posted: Nov. 7, 2009 @ 10:28a
I guess I don't understand the fundamental concept of leaving one's keys intentionally locked up in one's car.
jbmittermaier
Member
posted: Nov. 7, 2009 @ 10:43a
I work as a claims adjuster for an insurer that competes with Geico.. think Pepsi vs Coke. I've had the exact same situation that you mention. I wanted to re-key the entire car under the idea that it may prevent a future theft. Unfortunately, I was overruled by a supervisor who interpreted the auto policy differently and coverage is afforded to a tangible loss only even though I countered that the policy typically specifies the policyholder 'mitigate their current losses to prevent greater future losses' Be prepared for a challenge.
Similar thing happened to me, couple of months back, Burglar broke into my rental apartment and stole my car keys along with other stuff. The cost to replace doors locks as well as reprogramming was upward of $2k. I called my renter's insurance and told the situation but they didn't covered it so I called Geico and asked about the coverage (I have comprehensive coverage). They asked me to get an estimate from a car dealer, which I did and they sent an adjuster, next day to pay this off. Extremely satisfied with Geico Service. Call them.
If they wanted to steal the car and the keys were in it, why wouldn't they have just done so right then? Why would they steal the keys now and the car later? That would seem to be a very inefficient burlar to me. "Ooh, the keys to this car are in her purse! I could steal it right now, but I think I'd rather go to her house later and risk getting caught again to steal it there" LMAO
My guess is they wanted to hit the house later and that's why they took the keys. Make sure the house is rekeyed ASAP.
twngan
Broke Member
posted: Nov. 7, 2009 @ 7:33p
Yeah, it was a dumb move on me. Thanks for the helpful suggestions. I got the apartment to replace the door key. I also called Geico and they are willing to replace the key for my car on top of the window repair, so at least I saved a few hundred dollars. Really happy with Geico!
aeiouy said: I guess I don't understand the fundamental concept of leaving one's keys intentionally locked up in one's car.
Simple; KEYLESS ENTRY SYSTEMS. Most modern vehicles have it as standard feature now days. I hate carrying my keys and usually leave the key ring inside my vehicle. I lock the vehicle and regain entry using the keypad on the door. That's basically my fundamental concept - others would differ.
twngan said: Yeah, it was a dumb move on me. Thanks for the helpful suggestions. I got the apartment to replace the door key. I also called Geico and they are willing to replace the key for my car on top of the window repair, so at least I saved a few hundred dollars. Really happy with Geico!
Did you get to talk to the gecko? lol...(couldn't resist) j/k
Cheapoking said: aeiouy said: I guess I don't understand the fundamental concept of leaving one's keys intentionally locked up in one's car.
Simple; KEYLESS ENTRY SYSTEMS. Most modern vehicles have it as standard feature now days. I hate carrying my keys and usually leave the key ring inside my vehicle. I lock the vehicle and regain entry using the keypad on the door. That's basically my fundamental concept - others would differ.
Really? you are relying on the lock on the door to protect you car? You don't have physical deterrents and additional locks inside? Leaving your key inside defeats the purpose of the ignition lock and other locks.
BTW: I hope you don't use that keypad too often, sometimes the pad will fade, exposing which key combination you use and allowing the thief to narrow his guessing of the combination.
Nope, not just on the door lock; there is also motion sensor and alarm system activated as well. The keypad is digital and no fade takes place on those. With that being said; there isn't a guarantee that someone wouldn't gain access to the keys by breaking in through the windshield or door windows, but who's there to say that the same thing wouldn't happen to me at my house? There is also many windows to gain entry from at the place I live.
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