Introduction
Locking keys in car is a common mistake that can happen to anyone. It can be frustrating and can cause a delay in your plans. In some cases, it may also lead to damage to the car or even theft. The question that arises is whether insurance covers the cost of unlocking the car or any damage caused due to it. This article will explore the different scenarios and whether insurance can help.
Scenario 1: Locked keys in car without any damage
If you have locked your keys in the car without causing any damage, then your insurance policy may not cover the cost of unlocking the car. In most cases, you will need to pay for a locksmith or call for roadside assistance to unlock your car. However, if you have a comprehensive insurance policy, it may provide coverage for locksmith services. It is important to check your policy to understand the coverage provided.
Scenario 2: Locked keys in car with damage
If you have locked your keys in the car and caused damage while trying to unlock it, then your insurance policy may cover the cost of repairing the damage caused. However, you will need to pay the deductible amount before the insurance coverage kicks in. The amount of deductible varies from policy to policy, so it is important to check your policy to understand your financial responsibility.
Scenario 3: Stolen car due to keys left inside
If your car is stolen due to keys left inside, then your comprehensive insurance policy may cover the cost of replacing the car. However, you will need to file a police report and provide proof of the theft to the insurance company. The insurance company will also investigate the claim to ensure that there was no negligence on your part that led to the theft.
Conclusion
Locking keys in car is a common mistake that can happen to anyone. While insurance may provide coverage for certain scenarios, it is important to check your policy to understand the coverage provided. It is also important to take preventive measures such as keeping a spare key or using a keyless entry system to avoid locking your keys in the car.
