The evolution of automobile keys has been quite remarkable. We no longer see those metal keys designed specifically for a vehicle. Nowadays keys are equipped with a programmed chip that may not even have a key attached to it. Even if you have an old car that still uses a metal key, chances are you still need a transponder key to start the engine.
While traditional keys now serve mostly as access to the car one thing remains consistent, they have a tendency to get lost or stolen…
Who is responsible for replacing a lost key?
Does your insurance cover this cost. Are you left on your own?
Locked out of the vehicle
With the car keys we have today, it’s not as easy to accidentally lock your keys inside the car. The key fob often allows you to open the doors even if the keys are still inside. However in some case if this situation does happen, most insurance policies offer roadside assistance coverage that includes getting a locksmith to help you access your vehicle.
While traditional keys now serve mostly as access to the car one thing remains consistent, they have a tendency to get lost or stolen…
Who is responsible for replacing a lost key?
Does your insurance cover this cost. Are you left on your own?
Locked out of the vehicle
With the car keys we have today, it’s not as easy to accidentally lock your keys inside the car. The key fob often allows you to open the doors even if the keys are still inside. However in some case if this situation does happen, most insurance policies offer roadside assistance coverage that includes getting a locksmith to help you access your vehicle.
To use these services usually you’ll need to contact your insurance company and arrange for emergency locksmith assistance. Alternatively if you choose to get a locksmith on your own, you might be able to submit the receipt to your insurance company and get reimbursed.
Lost or stolen keys
In situations like thisת things can get a bit more complicated. Most insurance companies will cover the costs for getting your vehicle open, and arranging its tow to your nearby dealership. However expenses like re-keying the vehicle or replacing the fob usually fall on the owners shoulders. It’s important to note that locksmiths typically charge between $50 and $100 per hour and luxury car fobs can cost hundreds of dollars to be replace.
There is one exception though, if the damage was caused by a covered loss, such as a flood, fire, theft or an accident that damages the steering column, comprehensive coverage would typically cover repairs including replacement. To fully understand on what your insurance policy covers and any limitations or exclusions in these situations it’s crucial to review it
If you find yourself in an emergency situation it is not recommended not to try and force your way into your vehicle. This can actually cause more damage, which may not be covered by your insurance policy. It is advisable to rely on the expertise of a certified locksmith who can handle both home security and automotive needs. When it comes to the Greater Denver area Lock & Doors Denver is the choice you can trust!
