Ahh, the horror of getting locked out of your own car in the spur of the moment! Those judgmental eyes staring straight into your soul, burning like laser-beams! The frustration of not being able to reach your keys out of your ignition, while you can practically see them hanging proud from the ignition. If you are in a hurry to go someplace or reach something from your, the hassle becomes almost unbearable. If you are ready to admit defeat, it means you have no safe way of getting inside your car without causing any damage to it. You can always call an expert locksmith or your regular roadside assistance service. Depending on how much time you can afford to spend on the search for an emergency locksmith, you could end up paying a decent amount or a small fortune on their lockout service.
But did you know that it is possible for the cost of a locksmith service to be reimbursed by your car insurer? If you want to learn more about it, here is what you should know.
Locked Out With Roadside Assistance Coverage?
You can use your insurance policy to regain access into a locked vehicle by calling a roadside assistance service you have subscribed to. Give them a call and they should rapidly deploy a locksmith to your exact location, in the shortest time possible. You should have no problem adding roadside assistance coverage to your current insurance policy. You could then be covered for the cost of locksmith services. All you need to do is hold on to the invoice you will receive after the lockout and hand it over to them. Filing a claim under this particular plan should not affect your insurance premium.
It is also possible for your insurance policy to provide coverage for a lockout cost, provided you do not have roadside assistance coverage. Just make sure to get in touch with them first, so you can know what to expect before you hire a locksmith service in my area.
Locked Out With No Roadside Assistance?
Depending on your car's make and model, you will be charged more or less for the lockout service. It might be useful to run a fast search online and determine the average market price for a car lockout. If you are driving an old model featuring electric locking systems, you should not worry too much about the costs. However, a modern day vehicle with a superior security system should take longer to open, and thus cost more.
There are, however, lots of insurance companies that provide coverage for lockout costs. You just have to be careful when shopping for insurance policies and exactly what questions to ask. Remember to always read the fine print and make sure you are effectively covered for locksmith services. If you are not in a hurry, but you have just locked yourself out of your car, it is a great idea to call your insurer and see what requirements you will have to meet in order for the lockout cost to be covered.