"Will I be fully reimbursed for the lockout service I needed for my truck? "

"I locked my keys in my truck the other day and had to call the local locksmith for assistance. The cost was astronomical, and I am worried that I will not be reimbursed for the total cost.


Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“We have all been in this situation at one time or another! Depending on the type of insurance you selected when you purchased the policy, you may be covered for some or all of the cost.
Most carriers cover lockout service in connection to the towing service they offer. While you have to pay the cost upfront, you can expect reimbursement of $50 to $100 for the first hour of labor.
It would be a good idea to call your carrier to see if they are partnered with a local locksmith. This way, the next time you end up in the same situation, you can get assistance at a lower cost and have a better chance of being fully reimbursed. “

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