Final answer:
The type of insurance coverage for a lost key fob varies depending on the auto insurance policy details. Comprehensive or miscellaneous coverage options might include lost keys, but there could be a deductible. It's crucial for the insured to check their policy or speak with their representative to confirm coverage.
Step-by-step explanation:
If an insured has lost their key fob and needs to have a new one created by the dealership, the type of insurance coverage that might apply would depend on the specifics of their auto insurance policy. Some auto insurance policies may include coverage for lost keys under comprehensive or miscellaneous coverage options.
However, it's important for the policyholder to check the details of their policy or to contact their insurance representative as coverage can vary by insurer and policy. In some cases, there may be a deductible that needs to be met before the insurance covers the cost of replacing the key fob. If this is not covered by auto insurance, the insured may have to bear the cost out-of-pocket.