Locksmiths and Car Insurance

Locksmiths are expensive, and you may be wondering if your auto insurance will help you pay for theĀ  car lockout service. Depending on the nearest repair location, the type of car you drive, and the time of day you need help, your locksmith may charge anywhere from $75 to $150 or more, or you can get quotes from a renowned EZ Locksmith in Canada.
Read on to learn more about your car insurance and locksmiths.

Does Car Insurance Cover Lockouts?


Car lockouts can be annoying, especially if you are locked out of your car and can’t find a backup key. In such circumstances, it makes sense to question if lockouts are covered by your auto insurance.

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Although the main purpose of auto insurance is to pay for losses brought on by mishaps or unanticipated circumstances, it’s crucial to know which lockout scenarios are and are not covered by your policy.

Comprehensive Coverage


An Overview Comprehensive coverage, an optional form of auto insurance, provides coverage for unforeseen events like theft, vandalism, natural disasters, and other non-collision-related occurrences. Lockouts are typically not fully covered unless they are directly related to one. For instance, if your car was broken into and the lock or key was destroyed, your comprehensive insurance may pay the charges. Comprehensive coverage normally does not cover the costs, though, if you just locked your keys inside the car without any other external reason.

Roadside Assistance Coverage


A common add-on for auto insurance plans is roadside assistance protection. Roadside assistance is intended to offer immediate assistance for problems including lockouts, dead batteries, flat tires, and towing. If you have roadside assistance coverage, it can cover things like helping you get back into your car if you are locked out. To understand the precise coverage limits and any relevant deductibles, it’s imperative to check the terms and conditions of your policy.

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Even if you have complete coverage or roadside assistance, there may be restrictions or exclusions to take into account. Depending on the policy, you might need to be a certain distance from home or inside a specified service region in order to qualify for lockout coverage. Furthermore, certain high-security automobiles with sophisticated lock systems can need professional locksmith services, which your coverage might or might not cover. It’s important to thoroughly check your auto insurance coverage and speak with your insurer to understand the specifics and any potential restrictions.

Different Options


If your auto insurance policy does not cover lockouts, there are other options to consider. One choice is to sign up for a car club like AAA, which offers services like lockout help and roadside assistance. An alternative is to use a professional locksmith service, but keep in mind that unless there is another service or guarantee that covers their costs, they will be your responsibility.

In general, car insurance policies do not typically cover lockouts that occur due to simple mistakes like locking keys inside the vehicle. However, comprehensive coverage may come into play if the lockout is a result of a covered event, such as vandalism or theft. Roadside assistance coverage, if included in your policy, might cover lockout services. Remember to review your policy’s terms, conditions, and any limitations regarding lockout coverage. If you frequently find yourself in lockout situations, it may be worth considering additional coverage options or alternative services like EZ Locksmith, which is widespread in Canada, to ensure you have the necessary assistance when needed.

Note: If you want to get the most affordable insurance, get quotes from different companies in Canada.

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Locksmiths and Car Insurance

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