The short answer
Roadside assistance add-on covers a locksmith to open the car (usually up to $100). Lost keys are excluded on most policies — replacement is your cost. Stolen keys during a covered theft or break-in are covered under comprehensive minus deductible.
Frequently asked
- What about programming a replacement smart key?
- Programming cost ($75–$200) is usually included only if the key was stolen in a covered event.
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