Will My Car Insurance Cover A Locksmith?

Whether we like it or not, most of the time, the choices we make are often dictated by the cost. We may want to travel somewhere by plane, but our budget only supports riding a bus. Even though the bus will be less comfortable and take a lot longer, we will take the option we have in front of us if we want to go.

The same goes for deciding whether or not to use a car locksmith services when you are locked out of your car. If you don’t have the money for this expense, you may think you have to settle for waiting until someone can bring you a spare key, even if it will be a while. However, this isn’t always the case. In many cases, your car insurance will cover or reimburse you the cost of calling a locksmith. This article will talk about different ways your insurance can help you if you need locksmith assistance.

Roadside Assistance

Many insurance providers include roadside assistance in their base policy or as an add-on. If your provider offers this service, you will be covered to call a locksmith technician in most cases. Some may require you to call in to request the service or use a certain professional they have chosen. Some may also pay up to a certain cost or reimburse you after you file a claim.

We here at Flat Rate Locksmith recommend checking directly with your provider to see the guidelines they have for their services. Most of the time, roadside assistance also covers other problems you could run into, such as flat tires, running out of gas, dead batteries, or the need for a tow truck. If you don’t already have this service included, it usually is easily added with a quick call to your insurance provider.

Lockout Coverage

If your insurance doesn’t offer roadside assistance, it may still provide lockout coverage. In this case, you will always want to call your insurance provider first to determine their rules and regulations for this service. Once you choose what isn’t covered, you will reach a locksmith to assist.

In many cases, your provider will require you to pay the upfront costs, and they will reimburse you. To ensure that you will be reimbursed, make sure to follow the guidelines and rules set by your provider. The cost of a locksmith will depend on the make and model of your vehicle and the complexity of the lock.

Conclusion

Most insurance providers will require proof of payment, such as a detailed receipt or invoice to reimburse you. Here at Flat Rate Locksmith Atlanta, we have skilled technicians who will quickly and easily help you regain entry to your car. We will always provide you with an invoice listing all services provided to claim with your insurance company quickly. If you need assistance, please don’t hesitate to give us a call; we are here to help!