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Getting a Key Replacement Car Key Isn't As Costly As You Think Everybody knows someone who always appears to lose their car keys. It's not as costly as people think to get an entirely new key or fob. Read the owner's manual to see if the key fob can be reset by yourself (usually requires pressing a couple of keys in a specific order). Then, look over your car insurance policy or bumper-to bumper warranty coverage to determine if it covers the cost of a replacement. Keys stolen or lost In the past it wasn't a huge deal to lose your car keys. It was simple to repla