How much would my insurance reimburse me for locksmith charges?

I called a locksmith to get into my vehicle and it cost $120. Would my insurance cover any of it?

Answer provided by
Emily Maracle
Answered on Jun 16, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“What your car insurance will cover for the locksmith depends on what coverage you have on your policy.
Most towing and labor coverage on an insurance policy covers locksmith or lockout services. Roadside assistance with your insurance company may also cover locksmith costs.
However, they may require you to use their service directly or call a locksmith in their network to be covered.
To see if you can be reimbursed, you’ll need to call your insurance company directly or look into your policy documents. Depending on the coverage, you may be reimbursed for a portion or the full amount. “

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