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Getting a Key Replacement Car Key Isn't As Costly As You Think Everyone knows someone who always appears to lose their car keys. Finding a replacement key, or key fob doesn't need to be as expensive as people think. Go through the owner's manual to determine if the key fob is resettable by you (usually requires pressing a few keys in a specific order). Check your car insurance policy or bumper-to bumper warranty coverage to determine if it will cover the cost of replacing it. Keys Lost