Do Insurance Companies Cover Car Lockouts?
Do Insurance Companies Cover Car Lockouts?
Many people assume that their car insurance policy will cover them if they accidentally lock themselves out of their vehicle, but is this really the case? The answer is not straightforward, as it depends on the type of insurance policy you have purchased.
Liability-Only Auto Insurance
Liability-only auto insurance only covers the damage caused by you to another person's property or body. This type of policy does not cover damages to your own vehicle and does not provide you with any kind of roadside assistance or coverage for lockouts. If you have liability-only insurance, you will need to seek out other solutions if you find yourself locked out of your car.
One solution is to purchase a roadside assistance package from your insurance company, which often includes lockout services. Alternatively, you can contact a reputable locksmith to help you get back into your vehicle.
Comprehensive Auto Insurance
If you have comprehensive auto insurance, you will likely be covered in the event of a lockout. Comprehensive coverage typically includes emergency roadside assistance, which can help you if you find yourself locked out of your vehicle. However, it is always best to check with your insurance provider to see exactly what is covered under your policy.
Tips for Dealing with a Car Lockout
While it is always best to prevent a car lockout from happening in the first place, accidents can happen. Here are some tips to help you deal with a lockout:
- Make sure you have a spare key on hand - this could be a key that you've given to a trusted family member, friend or neighbor.
- Purchase a roadside assistance package from your insurance provider or through an independent company.
- Contact a reputable locksmith to help you if you find yourself locked out of your vehicle.
- Try to stay calm and assess your situation - it is always best to avoid taking drastic measures like breaking a window to gain access to your vehicle.
Preventing a Car Lockout
The best way to deal with a car lockout is to prevent it from happening in the first place. Here are some tips to help you avoid finding yourself in a lockout situation:
- Create a routine for checking that you have your keys with you before you lock your car.
- Keep your car keys in the same place - for example, a dedicated hook or spot in your home.
- Consider purchasing a car key finder device.
Frequently Asked Questions
1. Will my liability-only auto insurance cover me if I am locked out?
No, liability-only auto insurance does not cover lockouts. You will need to seek out other solutions if you find yourself locked out of your car.
2. Does comprehensive auto insurance cover lockouts?
Comprehensive auto insurance policies typically include emergency roadside assistance, which can help you if you find yourself locked out of your vehicle.
3. How can I prevent a car lockout from happening?
To avoid car lockouts, create a routine for checking that you have your keys with you before you lock your car, keep your car keys in the same place, and consider purchasing a car key finder device.
4. What should I do if I am locked out of my car?
Contact a reputable locksmith to help you if you find yourself locked out of your vehicle. Alternatively, you can purchase a roadside assistance package from your insurance provider.
5. Is breaking my car window to gain access covered by my insurance?
Breaking a window to gain access to your vehicle is not covered by insurance in most cases. It is always best to seek out alternative solutions such as a locksmith or roadside assistance.