Does car insurance cover a locksmith?

I'm not sure where my keys might be, my car is locked, and I'm not able to get inside to check for them. I have roadside assistance on my car insurance policy. Will that cover me for this?

Feb 9, 2016 San Jose, CA

Neil Richardson

Feb 9, 2016

If you have roadside assistance on your insurance policy then it is extremely likely that your policy will cover a locksmith to unlock your vehicle. You might even be able to get your vehicle "re-keyed" under your roadside assistance coverage if you aren't able to find your keys. Not all roadside assistance and/or "towing and labor" coverage is created equal, however, and what is offered by one company can differ significantly with that of another company. You will want to contact your insurance company to inquire about the specifics of your roadside assistance coverage just to be sure. Best of luck!

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