How to Be Reimbursed for a Locksmith from Car Insurance
People often bring up sputtering engines or flat tires when discussing the most annoying car problems.
People often bring up sputtering engines or flat tires when discussing the most annoying car problems. However, drivers also rank locking themselves out of their vehicles high on this list. A locksmith can save the day, but they usually charge top dollar for their services.
But don’t throw in the towel just yet; car insurance may cover the cost.
Does car insurance cover locksmiths?
Whether car insurance covers locksmith services depends on the policy. Some companies add this coverage from day one, whereas others require motorists to include it as an add-on.
Those that offer this coverage do so through the Roadside Assistance program. Therefore, check if it’s part of the policy before making a claim.
How do drivers get reimbursed for locksmiths?
Now that it’s clear that drivers can be reimbursed for locksmith repairs, what does the process involve? Here’s what it looks like in most cases:
The driver dials the Roadside Assistance number, which one can usually find in the insurance policy.
The insurance company sends a locksmith or refers the user to a provider.
The locksmith fixes the problem and charges the motorist immediately.
The driver gets a receipt, which they can use to receive reimbursement for the repairs.
What is the Roadside Assistance program?
There’s no way to receive coverage for locksmith services without Roadside Assistance. But how exactly does this program work?
Most people add the program to their existing car insurance. Depending on the provider, it can also be built into the policy if the customer pays a high premium.
Alternatively, the driver might have reduced their vehicle insurance premium, which can make them ineligible for Roadside Assistance. If that’s the case, they’ll need to consult their insurance carrier to determine if they can upgrade their policy with this program.
Once the car insurance includes Roadside Assistance, it guarantees all sorts of perks. A driver has a flat tire in the middle of the road? No worries! They can reach out to their insurance company, and they’ll send help. Other issues Roadside Assistance can cover include engine overheating and no gas.
Locksmith services are normally incorporated into the program too.
Is there another way to receive reimbursement for locksmith services?
Roadside Assistance is convenient, but it’s not the only way to get reimbursed for locksmith services. For example, the owner’s credit card company might compensate their users as a perk. The same goes for cell phone carriers and car manufacturers.
Hence, not all hope is lost if car insurance doesn’t cover locksmiths. Other alternatives could be the light at the end of the tunnel.
Reliable locksmiths are essential
It might be tempting to handle a lockout on your own, but hiring a locksmith is a much better option. Not only do they provide quick solutions, but they also make drivers eligible for insurance-provided reimbursement.
Kwik Pick Lock and Safe offers FREE lockout service for children or pets. If you need locksmith services for your Surprise, El Mirage, or Phoenix home or auto, call today 623-300-1889.
