Does Car Insurance Cover Locksmith Services

Cars offer us the freedom to explore independently, making it easy to travel from point A to point B. However, despite the convenience they provide, cars are not without their share of problems, particularly when it comes to locks and keys. Common issues include keys getting stuck in the ignition, losing keys, jammed locks, and even being locked out of the car with the keys still inside. These situations can be stressful, and the immediate question that arises is whether your car insurance covers the locksmith services needed to resolve these issues. Many people overlook this detail when purchasing car insurance, so it’s often unclear until such an event occurs. In short, whether locksmith services are covered depends on the type of auto insurance policy you’ve chosen. If you’re curious to learn more, keep reading.

Auto Insurance with Roadside Assistance Coverage

Typically, standard car insurance does not cover automotive locksmith services unless you opt for roadside assistance. This comprehensive package usually includes not just lockout services but also fuel delivery, mechanical breakdown support, towing, battery jump starts, flat tire replacements, and more. The cost of roadside assistance can vary from $5 to $100, depending on the level of coverage you choose. It’s essential to understand what is included in your specific policy before purchasing, so there are no unexpected surprises later.
Insurance agent with customer
Some insurance providers impose limits on lockout costs or the number of claims for locksmith services. For instance, lockout costs may be capped at $50, meaning if the actual expense exceeds that amount, you’ll have to pay the difference yourself. In such cases, it’s wise to compare different policies and choose the one that best fits your needs.
Insurance agent with customer

When Can Roadside Assistance Help?

Roadside assistance typically offers a variety of services, but let’s focus specifically on those related to locks. Most roadside assistance plans include lockout and rekeying services. Some may also cover jammed locks, broken or stuck keys in the ignition, and faulty key fobs. However, it’s crucial to review the specifics of each provider’s policy, as some may reimburse you for new keys but not for the locksmith’s visit itself.

The Pros and Cons of Roadside Assistance Coverage

Some insurance companies only offer roadside assistance if you also purchase comprehensive and collision coverage. It’s important to assess your personal needs before adding this coverage.
If you own an older vehicle, it might be worth adding roadside assistance to your policy since older cars tend to require more repairs. On the other hand, if your car is less than five years old, it’s possible that your manufacturer’s warranty already includes roadside assistance, so double-check that first.
Another reason to consider roadside assistance is if you frequently travel long distances. If your job relies heavily on your car functioning properly, or if you often venture far from home, this coverage could save you significant stress and money in the long run.
Finally, if you’re unfamiliar with car repairs and have no interest in learning, roadside assistance is a practical choice. It provides peace of mind during various emergencies and prevents unnecessary expenses.
Hand Holding Lockpicker To Open Car Door
That said, it’s important to note that not all roadside assistance plans cover everything you might need. For example, some policies may not include key retrieval services if you accidentally lock yourself out with the keys inside the car.
Hand Holding Lockpicker To Open Car Door

What If You Don’t Have Roadside Assistance?

Even without roadside assistance, there are still options available. If you own a newer car, the manufacturer’s warranty might already cover many of the services you’d need. Additionally, some credit cards offer roadside assistance as a perk for loyal customers. Motorist clubs often include roadside assistance in their annual membership fees. You could also inquire with your cell phone provider, as some offer similar services. Lastly, some states have government-funded roadside assistance programs that could help you. While these alternatives exist, it’s crucial to research them beforehand to avoid last-minute stress.
In summary, if you ever find yourself locked out of your car, contact your insurance provider first to see if lockout services are covered under your policy. If they’re not, don’t hesitate to reach out to a trusted locksmith company. At Sure Lock & Key, we promise fast, professional service at competitive prices. Whether you’re dealing with a stuck key or a lockout, we’re here to help.

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