Does Your Insurance Cover Locksmith Work?

We frequently get asked whether we take insurance coverage or not. Since it varies we figured we would write about which insurance we do accept, the situations in which they are applied and a little bit about how the process works.

To cover the highlights, we always strongly prefer to accept payment directly from you and then have you submit for reimbursement with our receipts. If the insurance company contacts us for the work and offers to pay that is also acceptable for us. We cannot bill people who did not authorize the work.

On the quick notes, we do bill State Farm car insurance for lockouts and service calls because they work with and pay non contracted vendors.

On to the more specific situations.

The most common situations we get asked about for insurance coverage are: (a) car lockouts, (b) lost car keys and (c) theft of keys and re-keying both for vehicles and homes.

Car Lockouts and Lost Car Keys

For car lockouts most insurance companies have contracted emergency roadside assistance providers that cover this. Many do cover the service call or up to certain limits for lost keys. Most have client reimbursements for these items.Here is a chart of the major and most common car insurance companies in Oregon and their coverage:

Carrier  Roadside Assistance Unlocks Key Replacement Reimburse Vendor Reimburse Client Contracted Vendor
State Farm Yes Yes service call, not keys Yes Yes Yes
Farmers Yes Yes varies No Yes Yes
Geico Yes Yes varies No Yes Yes
Progressive Yes Yes service call, not keys No Yes Yes
Esurance Yes up to $75 up to $75 No Yes Yes
21st Century Yes Yes up to $150 No Yes Yes
Oregon Mutual Optional Yes service call, not keys No Yes Yes
PEMCO Yes Yes No No Yes Yes
AAA Yes Yes $50 to $100 coverage No Yes Yes
All State Optional $52/yr or $84/service $52/yr or $84/service No No Yes
Liberty Mutual Optional Yes No No No Yes

*note, these are what we have gathered from online, phone and in person research. Our information may not be 100% correct. We strongly recommend talking in depth with each company to very and receive more details about their emergency roadside assistance coverage.

Theft of Keys and Re-keying

Occasionally vehicle or house keys are damaged or stolen. This occurrence is very policy specific. We recommend contacting your agent. But here is what we have seen.

Vehicle keys can be covered if they were damaged for the same reason the vehicle is being repaired.

Vehicle re-keys and home re-keys can be covered under you home insurance policy. Normally the cost of the deductible is higher than the out of pocket cost of going direct, but we have had customers with this coverage.

A Little Bit About the Process

Most of the major insurance companies contract out their roadside assistance to service provides like Road America, AAA or Agero. Some operate there own fleet and/or further contract to smaller local towing and locksmith companies like ourselves.

So if you really push your insurance company to initially cover all the work and then have you pay the difference of what is not covered, we do receive and work for the large service providers that you originally call us about.

Overall if you want to have your insurance cover our services you need to contact and work through them and have them contact us directly. If you have an Oregon based State Farm coverage that is current and you are the authorizing individual we will bill them directly as long as you accept full responsibility for payment if your request is denied. If you do not want to go through the hassle at the moment you can check whether they reimburse you, pay us directly and then send the receipt in for reimbursement.

We hope this sheds some light on the insurance coverage for specific situations and how it works from the locksmith perspective.

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