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Getting a Replacement Auto Key Fob These small devices make driving a lot more enjoyable. If they're damaged or lost they could require you to shell out a significant amount of money to get the replacement. Check your car insurance policy or auto club membership to see if they cover the costs. Also, you might be capable of avoiding the dealership altogether and instead go to an independent shop. Cost If you lose your car key fob, it could be a costly and stressful experience. Based on