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Does Car Insurance cover a locksmith?


David Krug

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The short answer to this question is it depends. Car insurance policies vary quite a bit, so it’s important to understand what your particular policy covers. Some policies may include coverage for a locksmith, while others may not.

What is a Locksmith?

A locksmith is a professional who specializes in making and breaking locks. They can provide a range of services including key duplication, lock installation, and unlocking locked doors. As such, they are often used in emergency situations where the owner of a property has been locked out, or a key has broken in a lock.

What is Covered by Car Insurance?

Car insurance policies vary from provider to provider, so it’s important to check with your insurer to understand what is and is not covered. Generally, car insurance includes coverage for damages due to an accident or theft, liability coverage, and some forms of medical coverage. It is important to note that car insurance typically does not cover things like routine maintenance or repair costs.

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Does Car Insurance Cover a Locksmith?

In some cases, car insurance may cover the costs of a locksmith. Some policies include coverage for emergency services, which may include a locksmith’s services. However, it is important to note that this coverage is not always included in all policies. If you are unsure if your policy includes this type of coverage, it is best to check with your insurer directly.

Is a Locksmith Expensive?

The cost of a locksmith will vary depending on the type of service needed and the location of the locksmith. In general, most locksmiths charge an hourly rate for their services. The cost can also be affected by the level of difficulty of the work and the type of lock that needs to be replaced or repaired.

What if I’m Locked Out of My Car?

If you find yourself locked out of your car, it is important to contact a locksmith immediately. The cost of a locksmith may be covered by your car insurance, depending on the type of policy you have. If you are unsure, contact your insurer to find out if you have emergency roadside assistance or coverage for a locksmith.

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