If you have a State Farm policy and have locked your keys in your car, you may be wondering if roadside assistance or locksmith services are covered by your policy.
Getting locked out of your car is a pain that almost everyone has experienced at some point in their lives. Knowing if getting into your locked car will cost you extra money is one way to reduce the stress. It’s also useful to know who to contact to get the job done. Does state farm cover key replacement in Philadelphia?
WILL STATE FARM HELP YOU IF YOU LEFT YOUR KEYS IN THE CAR
The answer is yes. State Farm’s roadside assistance program Coverage H will cover locksmith service costs. You should be covered if you have this plan in your insurance policy. If you lock yourself out of your car, call roadside assistance to take advantage of their program, which is designed to “cover common and reasonable expenses.”
They have contracted service providers on standby to respond to such situations, and you can expect the following services to be provided at no extra cost. Philly locksmith offers replacement car keys at reasonable rates.
Services for locksmiths
- A towing truck
- Refueling with gas or oil
- Tire replacement
If your insurance is verified, you will not have to pay anything upfront to have your car unlocked or for any of these other services. These basic services will be billed directly to the insurance company. Even if this is true, it is always preferable to call State Farm directly but you can also call a locksmith.
Insurance companies typically have pre-existing contracts with service providers and may require policyholders to select specific locksmiths. In other words, if you choose someone outside of their network, you may not be able to get a full reimbursement.
WHAT IF YOU DO NOT HAVE ACCESS TO ROADSIDE ASSISTANCE
If your insurance policy does not include roadside assistance, you will obviously be ineligible for some of the above-mentioned benefits. But that doesn’t mean you’re out of options.
Again, according to the State Farm website:
“If you do not have Coverage H (Emergency Road Service), you will pay a competitive rate negotiated by us for the services.” This rate is typically lower than what is available in the market.”
Even if you don’t have insurance, going through the insurance company may be the cheapest option. This isn’t always the case, and if you’re not in a hurry, calling around may save you some money. A locksmith will typically charge between $50 and $100 for a service call to unlock a car (this depends on where you live obviously, make, model, etc).
Many newer vehicles have electronic key systems that make it impossible to lock the keys inside (but not all of them do). If you managed to lock your keys inside a newer car, you may face additional charges because getting inside their security systems is much more difficult than in older vehicles.
WHAT ABOUT THE COST OF LOST OR RE-KEYED KEYS
Another major annoyance can arise if your vehicle keys are lost or stolen. Depending on the circumstances, you may need to have the vehicle’s locks (including the ignition) changed, which can be costly.
In this case, the answer to the coverage question will be determined by your policy. Some comprehensive plans cover these kinds of costs. If you can’t figure it out, read the fine print or ask your agent to clarify.
Many State Farm policyholders are unaware that they are covered for locksmith services and roadside assistance. The first thing you should do is double-check your policy to see if you have type H coverage. If you do, you’ll have a good idea of what’s covered and what steps to take if you lock the keys in the car. Let us quickly review:
- If you have a type H policy, you can get free locksmith services, a tow truck, gas or oil refills, tire change(s), and other/miscellaneous services (insurance is billed directly).
- If you do not have roadside assistance, contacting your insurance carrier may still be the most cost-effective option due to negotiated rates and pre-existing relationships with service providers.
- Replacing stolen keys or rekeying a vehicle is sometimes covered under a comprehensive policy, but this must be verified on an individual basis.
- You can contact Locksmith for further assistance.