It can be a very frustrating experience to lock your keys in your car or lose them. If you already have car insurance, can your car insurance pay for a locksmith who will get you back in your car? It depends. Top Atlanta Locksmith will help you navigate your insurance coverage when you need a locksmith in Roswell. This is just a guide. Please remember to always check with your own auto insurance provider.
Your Keys Are Locked in Your Car, Are You Covered?
The most common reason people call a locksmith is when they accidentally locked their keys in their car. Insurance may pay for the locksmith’s services only if you have roadside assistance, which is generally an add-on to a basic policy. You should contact your insurance if you find yourself in this situation.
Is Car Key Replacement or Programming Covered?
It depends on the company and what kind of coverage you have. Most companies offer comprehensive coverage, which covers any part of the vehicle that may break down or be damaged by accident. Comprehensive coverage includes locksmith services for locked keys, dead batteries, and flat tires. Some may only cover if the key has been stolen, while others may only pay a portion.
Door Lock Or Ignition Repair Is Likely Not Covered
Suppose you break your door lock or ignition during an accident. In that case, most insurance companies don’t provide coverage for these repairs because they are considered maintenance issues rather than collision damages. However, some companies may provide limited coverage for these repairs if they are related to an accident (such as a broken door lock caused by someone hitting your car). It is best to check with your insurance company before going ahead with any repairs yourself so that you know exactly what type of coverage you have available.
Does Roadside Assistance Cover a Locksmith?
If you’ve locked yourself out of your car, you know how frustrating that can be. But getting locked out of your home is even worse. Fortunately, many car insurance companies offer roadside assistance as a policy add-on to help with these problems. But does roadside assistance cover a locksmith? The answer is yes for most policies — but you may have to pay upfront for the service, and they may only cover up to a certain cost.
Does AAA Cover a Locksmith?
The American Automobile Association (AAA) offers members travel services, roadside assistance, and more. If you’re an AAA member, you can call them for help if your car breaks down or you need a tow truck in an emergency. They also offer various other services that may be useful during an auto emergency (such as fuel delivery). AAA covers a locksmith if you are locked out or have lost your keys. The type of AAA membership you have will determine how much locksmith services are covered. You can get a basic membership plan that covers up to $50 worth of parts and labor. A plus plan covers up to $100, while a premium membership covers up to $150.
How Much Will Your Insurance Cover?
The answer depends on your insurance type and the specifics of your coverage. If you have the optional roadside assistance add-on, then it is very likely your insurer will pay for a locksmith if you’re locked out of your car. Without the add-on, it is unlikely a locksmith will be covered.
Top Atlanta Locksmith
Top Atlanta Locksmith has experience working with many insurance companies. When you need a locksmith in Sandy Springs we can assist and help you understand what your costs may be.