Locked keys in car can be an infuriating experience, especially if you are in a hurry. If you have ever found yourself in this situation, you may be wondering if your insurance covers the cost of a locksmith to come and unlock your car. In this article, we will explore whether insurance covers locked keys in car and what you need to know if you find yourself in this predicament.
What is Locked Keys in Car?
Locked keys in car is a situation where you have accidentally locked your car keys inside your vehicle. This can happen when you are in a hurry or distracted, and you forget to take your keys out of the ignition or lock your car manually. It can be a frustrating and stressful experience, especially if you are in a remote location or it is late at night.
Does Insurance Cover Locked Keys in Car?
Whether insurance covers locked keys in car depends on the type of insurance policy you have. If you have comprehensive car insurance, your policy may cover the cost of a locksmith to come and unlock your car. However, this will depend on the terms and conditions of your policy, so it is essential to check with your insurance provider before calling a locksmith.
If you have third-party insurance, it is unlikely that your policy will cover the cost of a locksmith to come and unlock your car. Third-party insurance only covers damage to other people’s property or injury to them, so it does not cover the cost of repairing or replacing your vehicle or paying for a locksmith if you lock your keys inside your car.
What Should You Do if You Lock Your Keys in Your Car?
If you find yourself in the unfortunate situation of locking your keys in your car, here are some steps you can take:
- Stay calm and don’t panic. Take a few deep breaths and try to think clearly.
- Check for any open windows or doors that you may be able to access.
- Look for spare keys that you may have left with a friend or family member.
- Call a locksmith if you have comprehensive insurance that covers the cost.
- If you don’t have comprehensive insurance, you may need to pay for a locksmith yourself or try to unlock your car using a coat hanger or other tool.
- Be cautious when trying to unlock your car yourself, as you may cause damage to your vehicle or set off the alarm.
Conclusion
Locked keys in car can be a frustrating and stressful experience, but if you have comprehensive car insurance, your policy may cover the cost of a locksmith to come and unlock your car. However, it is essential to check with your insurance provider before calling a locksmith, as policies vary. If you don’t have comprehensive insurance, you may need to pay for a locksmith yourself or try to unlock your car using a coat hanger or other tool.
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Does insurance cover locked keys in car? Find out in this article about what to do if you lock your keys in your car, and whether your insurance policy covers the cost of a locksmith.
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insurance, locked keys in car, comprehensive car insurance, third-party insurance, locksmith, unlock your car, coat hanger
