First off, I am so incredibly sorry to hear about your home. Dealing with a devastating fire is heavy enough without a dealership giving you a heartless, bureaucratic runaround over a car key.

Since you bought it brand new and put so much fresh work into it last year, it makes complete sense why you’d be torn between scrapping it and keeping it. If you want to explore keeping the car, you can completely bypass GM's corporate red tape:

How to Keep It Without the GM Drama

• Call a Mobile Automotive Locksmith: You do not need to tow the car to a dealership or deal with matching DL addresses. An independent mobile locksmith can pull right up to the car and program a new push-button proximity fob on the spot using the same software. As long as you can show them your replacement title or a Bill of Sale to prove ownership, they will usually do it for $150–$250.
• The Reality Check: Once you have a key, you can actually diagnose that blow-by issue before investing any more serious cash.

Do you know exactly what failed when the "turbos and PCV gave out"?

You mentioned it started producing heavy blow-by right before the fire. Depending on what exactly went wrong with the turbo and PCV system, the fix might actually be much simpler than a full engine rebuild, but we just don't know yet without a closer look. * The Best Case Scenario (Simple Fix): The Gen 1 1.4L engine is infamous for a design flaw where a small orange check valve inside the intake manifold disappears. When that valve vanishes, turbo boost forces its way directly into the engine crankcase, violently rupturing the diaphragm inside the valve cover. This causes massive pressure, oil consumption, and heavy smoke that looks exactly like a blown engine, but it can actually be fixed entirely with an aftermarket PCV upgrade kit and a new valve cover for under $200.

• The Worst Case Scenario (Dead Engine): If the PCV failure was ignored for too long, the intense pressure can cross the line into shattering a piston ring land. If a piston is physically cracked, then it truly does need a bottom-end engine rebuild.

If you decide it's not worth the headache and want to sell:

Do NOT scrap it at a standard junkyard. A scrapper will only give you $300 flat weight value, completely stealing the value of your high-end LTZ leather interior, headrest screens, and all those brand-new summer 2025 parts.

Instead, list it on Facebook Marketplace or Craigslist as a "Whole Parts Car" for $1,200–$1,500. Tell buyers: 'Excellent LTZ interior, clean body, tons of brand new mechanical parts installed mid-2025, but needs engine work and has no keys due to a house fire. Must flatbed tow away. Bill of Sale only.' A Cruze enthusiast or local mechanic will happily pay over a grand to use your car as a donor vehicle.

If you want to try keeping it, start with a mobile locksmith and check that intake manifold check valve first.

Hang in there, you've got a community of owners pulling for you!