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Getting a Key Replacement Car Key Isn't As Costly As You Think Everyone knows someone who is always losing 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 is resettable by you (usually involves pressing a few keys in a particular order). Make sure to check your car insurance policy or bumper to bumper warranty for coverage of the cost of a new key fob. Keys stolen or lost In the past, it wasn't a big issue to lose