It is a common occurrence to lock your car keys inside your car. It can happen to anyone at any time, and it is a frustrating situation to be in. The question is, does insurance cover keys locked in car? The answer is, it depends on the type of insurance policy you have and the coverage it provides. This article will provide you with all the information you need to know about insurance coverage for car keys locked in the car.
Types of Car Insurance
There are different types of car insurance policies, and each provides different levels of coverage. The most common types of car insurance policies are liability, collision, comprehensive, and personal injury protection (PIP).
Liability insurance covers damages that you may cause to other people’s property or injuries they sustain in an accident where you are at fault. Collision insurance covers damages to your car in an accident, regardless of who is at fault. Comprehensive insurance covers damages to your car that are not caused by an accident, such as theft, fire, or natural disasters. PIP covers medical expenses and lost wages if you or your passengers are injured in an accident.
Does Car Insurance Cover Keys Locked in Car?
Most car insurance policies do not provide coverage for keys locked inside the car. However, some insurance companies offer additional coverage that includes locksmith services to help you unlock your car in case you lock your keys inside. This coverage is usually an add-on to your existing car insurance policy and may require an additional premium.
It is essential to read your car insurance policy carefully and understand the coverage it provides. If you are not sure if your policy covers keys locked in the car, contact your insurance company and ask them about it.
Other Options for Unlocking Your Car
If your car insurance policy does not provide coverage for keys locked in the car, there are other options you can consider. You can call a locksmith to help you unlock your car. However, this can be expensive, and it may take some time for the locksmith to arrive.
You can also try unlocking your car yourself using a coat hanger or a slim jim. However, this method can damage your car, and it is not recommended unless you know what you are doing.
Preventing Keys Locked in Car
Preventing keys locked in the car is the best solution to avoid the frustration and expense of unlocking your car. Here are some tips to prevent keys locked in the car:
- Always check that you have your keys before closing the car door.
- Have a spare key and keep it in a safe place.
- Use a keychain that is easy to spot and remember.
- Install an automatic locking system that prevents you from locking your keys inside the car.
Conclusion
In conclusion, car insurance policies generally do not provide coverage for keys locked in the car. However, some insurance companies offer additional coverage for locksmith services. It is essential to read your car insurance policy carefully and understand the coverage it provides. If you lock your keys inside your car, there are other options you can consider, such as calling a locksmith or unlocking your car yourself. To prevent keys locked in the car, you can follow some simple tips to avoid this frustrating situation.
