Does car insurance cover a locksmith? This question is about Best Roadside Assistance Companies

Does car insurance cover a locksmith?

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This question is about Best Roadside Assistance Companies

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@WalletHub • 05/24/21 This answer was first published on 05/24/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, car insurance covers a locksmith for policyholders who have roadside assistance through their car insurance company. Roadside assistance is an optional car insurance policy add-on that covers a locksmith along with things like towing, jump starts, tire changes, and gas deliveries.

Membership with a motor club such as AAA or Better World Club will also pay for a locksmith. However, drivers without a motor club subscription or roadside assistance on their car insurance policy will likely have to pay out of pocket for a locksmith, since it’s not covered by other types of insurance. And if you do have roadside assistance but need a service that is outside of your plan's limits, you will have to pay for it out of pocket. For instance, basic roadside assistance plans usually cover an hour of locksmith labor.

For more information, check out WalletHub’s guide to the best roadside assistance plans.

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Does car insurance cover repairs?

No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.

Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called mechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a...

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Does comprehensive insurance cover theft?

Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.

Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the...

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What does car insurance not cover?

Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder’s injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.

However, exact coverage exclusions vary between policies. In addition, insurance companies offer extra policy add-ons that can protect you in situations that don’t fall under minimum car insurance coverage.

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