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Lock Blog

A resource for consumers, locksmiths, and security professionals

Does Car Insurance Cover Locksmith Services?

by Wesley November 21, 2022

Car problems seem to always happen in unusual and unpredictable ways, none of which are convenient for drivers. You could be stranded in the middle of an abandoned region or experience problems within a city’s clustered transportation network. Either way, the question remains the same, does car insurance cover locksmith services?

Unfortunately, the answer isn’t straightforward. Every driver opts into an insurance policy that’s carefully catered to their needs. Within the last few years, insurance companies have steered away from generic, basic coverage plans and now allow individuals to customize their own insurance policies. You can pick and choose which policy items you want to pay for.

Choice is a great thing for drivers because you can save yourself money by dropping certain services you never use. Does car insurance cover locksmith services in these personalized policy plans? Sometimes insurance companies have built-in partnerships with roadside assistance programs and locksmith professionals.

We have a lot to discuss and analyze deeper throughout this piece. So before we get into the nitty-gritty details, let’s answer some questions and build our knowledge. By the end, you will know the answer to our question, does car insurance cover locksmith services?

FAQs 

How does roadside assistance compare with locksmith services?

Corporate crossover deals are common within the insurance industry. For example, big-name insurance companies will team up with a roadside assistance entity and point customers toward that particular company. This tactic generates cross-pollination with clients in an effort to generate more revenue.

The intent to promote safety and provide emergency services is certainly there as well. At the end of the day, insurance companies, roadside assistance providers, and locksmiths alike are offering help. So, does car insurance cover locksmith services? Yes, but insurance companies may have already chosen for you through one of their partnerships.

There’s nothing wrong with that. Most people don’t care where their help comes from as long as it’s reliable. United Locksmith has spent the past two decades providing the quickest response times and quality roadside service for all of your car troubles. Our low prices don’t require car insurance if you don’t have it!

Does AAA help if you lock your keys in your car?

AAA has a list of car lockout services to choose from, which includes many of the same options that are part of United’s comprehensive suite of automotive locksmith services. Overall, AAA is a perfectly acceptable company to conduct business with, but when it comes to specializing in certain situations like car lockouts and car door lock repair, United has an edge!

Is an auto locksmith expensive?

Hiring some locksmith technicians can be expensive, but United Locksmith offers a much more affordable option without compromising on the quality of work. The costs of most locksmith services will largely depend on the model and brand of your car. Luxury vehicles with more integrated technology systems can be trickier to work on and take more time.

Older car brands without electric locking systems can be much cheaper to service than sophisticated and modern brands with high-tech gadgets and accessories. Fortunately, most insurance service providers offer coverage on automotive lockout services for both older and modern car models. Uninsured drivers take on a ton of risk getting behind the wheel, but auto locksmith prices will remain relatively low in all instances.

Does car insurance cover locksmith services?

That’s the essential question we’re going to answer throughout this article. Does car insurance cover locksmith services? It varies amongst drivers because every auto insurance policy is different. We all fall into different categories as licensed motorists because the insurance model is based on risk. How likely are you to crash or suffer damage to your vehicle?

The answer fluctuates and is predicated on your age. It sounds strange to think about age being a factor in how much you pay for car insurance, but it holds true. Teenagers and people in their early 20s pay higher rates for car insurance because they’re in the demographic filing the most claims. This means the risk of getting in an accident increases, thus increasing insurance premiums.

Now, does car insurance cover locksmith services? Some insurance plans will cover locksmith services as well as other forms of vehicle repairs. You can check with your provider and see the exact details of your policy coverage, but usually, you can work out a deal. And just in case you can’t, United Locksmith offers affordable prices with exclusive deals and offers for everyone!

Benefits Provided By An Auto Locksmith 

Stress and panic don’t even begin to describe an emergency situation out on the road. You stop to park at a scenic overlook along a guard rail with a magnificent view. Unbeknownst to you as the sun is setting on the horizon and you’re enjoying the moment, your keys are locked inside the car. You slowly start to realize the critical mistake during your walk back to the vehicle.

What happens next? A bunch of radical thoughts will begin to creep into your mind. Everything from taking a rock and smashing it through the back passenger window to camping out on the shoulder while you stick your thumb out like a hitchhiker. Both decisions are wrong because our team of auto locksmiths at United has prepared for this type of event.

However, one of the main questions people have before calling a locksmith is, does car insurance cover locksmith services? This is a valid question to ask yourself because tacking on a large service fee to the whole experience would simply just add insult to injury. Without knowing every detail of your auto insurance policy during hectic circumstances, you can always ask!

An auto locksmith is only one phone call away when you contact United Locksmith. From there, one of our trusted representatives will be able to answer your question, does car insurance cover locksmith services? We like to extend friendly words of assurance and expertise while our customers are in a strenuous position. Help is on the way because our response times are fast!

As a locksmith, punctuality is a key part of the job and plays an integral role in determining the severity of your situation. The majority of car lockouts require immediate attention. If we take the above example of being stranded on the side of a guard rail, you may even feel agitated or scared, which is completely normal.

In cases like this, a locksmith’s punctuality turns into the top priority because your safety and well-being are at stake. Punctuality doesn’t only refer to response times either. The amount of time it takes to finish the job is also a vital component. Some services charge by the hour and purposely take longer to complete tasks so they can increase their profit margin.

Not only is dragging your feet on an hourly charge sleazy, but it’s morally wrong. Customers are already in a vulnerable situation. A professional locksmith who condones that kind of behavior should be ashamed of themselves. As we return to the question, does car insurance cover locksmith services, we will be able to address the issue once the technician arrives at your location.

Hiring United Locksmith 

After you’ve educated yourself on the ins and outs of car insurance policies, you’re still probably going to wonder, does car insurance cover locksmith services? Unless you read and memorize every line of your car insurance policy, it’s difficult to remember. There are insurance companies that decline certain automobile lockout coverages.

Customers are left to find out on their own, does car insurance cover locksmith services? You could be entitled to such benefits and not even realize it. United Locksmith can alleviate your concerns by offering information and advice. If we can’t help you, which would be a rare occurrence, your next call should be to your insurance provider.

We discussed some of this information earlier, but some insurance service providers will either recommend their own locksmith or require that you choose a professional locksmith only. Luckily, United Locksmith is one of the professional locksmith companies that service providers recommend because of our qualifications.

We pride ourselves on offering essential services to choose from when it comes to car insurance covering locksmith services. A certified mobile locksmith undergoes extensive training, and they can work in all kinds of conditions. Replacing car keys and programming car keys are additional problems you should be aware of too.

Vehicles have so many moving parts that need to sync up and work together. Effective car door locks are dependent on their locking mechanisms and a functional key. Any issues with one of those components and you may find yourself stuck in a less-than-desirable situation. United Locksmith has seen it all and can properly provide assistance.

Does car insurance cover locksmith services? Maybe it does, and maybe it doesn’t under your personal auto insurance policy. But it doesn’t really matter when you choose United Locksmith because we’re in the business of helping everyone. We intentionally keep our prices fair and competitive for the benefit of customers. In your moment of need, we deliver exceptional results.

Category: Automotive, Buying Guides, Car Keys

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