Recently one of our wonderful customers had the business's Lexus RX stolen from her church parking area. The thief broke her window, found the valet option the glove box, then drove off with the car. The vehicle was recovered and in damage was towed to the Denver Auto Body Repair shop. The valet key was never recovered.
The valet key or spare key is a flat key that tend to is mistakenly left you can get cover of the Owner's manual. It will start difficulties and open the doors like your regular key.
After completing the repairs keeping this particular vehicle, we sent the car with all the Lexus dealer to search for the vehicle rekeyed. Rekeying family car means having ALL causes a locks and keys changed together with car reprogrammed which renders the keys useless. Keep in mind this might thief may still be owning the valet key and may even steal the car again otherwise the contents if the vehicle should cease being rekeyed. And in as such case, the chances are high how this person might reclaim the same church and repeat.
Unfortunately, the insurance company declined find to rekey the automobile! The customer is now faced with two options, paying in their $1, 000. 00 deductible and also over $800. 00 to have car rekeyed or live if you know someone else out there is still have the the answer to her car.
We called several people included in the insurance company to cause them to become re-consider their position with no success. This is the first time we have ever had an insurance company decline this kind of necessary repair.
Recently we spoke bearing in mind two insurance adjusters from other insurance companies who indicated that rekeying the vehicle would have been covered in cases like this.
We also found by having answer from other Insurance companies on how they would handle similar situations was not so moderate either. Many policies don't directly address now of coverage in cases like this. It seems like it is about internal policies within the insurance company.
After reviewing personalised auto policy with Amica Mutual Firm, it clearly spells attempting, "We will pay for lock replacement your venture covered auto without a deductible if your keys having lost or stolen. "
So, to prevent your motorcoach from being stolen make sure you do not need any spare keys in your car. Keep your valet significant on your keychain when you want it for valet car purposes. As a courtesy to our collision customers, we now inspect our client's cars to get more detail keys and have them pulled from the vehicle. Finally, check with your insurance professional about your coverage on rekeying now!.