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Key Repair Car Services It happens more than you imagine. Many key repair services for cars can help. Costs and time frames may differ based on the type of keys you have. Check your insurance policy to see whether key replacement is covered. A locksmith or even a hardware shop can substitute most keys. Key fobs need to be reprogrammed by the dealership. Key Replacement Keep a spare car key to prevent costly replacements. If you don't have a spare the next step is to find a locks