Whether you called a locksmith for your home, business or car, you may also want to make a call to your insurance provider too. In many cases, the cost of a locksmith can be reimbursed by insurance or you can even get discounts on your insurance premiums.
Car Locksmiths and Insurance
Getting locked out of our cars can be a great hassle – and it isn’t cheap either. Most car locksmiths will charge at least $50 for the service of door opening. If you have an advanced locking system, then the locksmith could cost even more. The good news is that many auto insurance providers will cover this cost. However, they aren’t always very open about their policies so some car owners don’t get the reimbursement they are entitled to.
If you get locked out of your car, you should first call your insurance company. A lot of them will cover the costs of locksmiths but you may need to use one of their certified locksmiths for the job. They will provide you with a number to call, which saves you the trouble of finding your own locksmith. You can also feel confident that their locksmith is going to be reputable and know how to complete the job. If you don’t have time to call your insurance for the car lockout, then make sure that you at least get an itemized invoice for the work from the locksmith. You can call your insurance provider later to see if the costs are covered. We are undeniably the best 24 hour locksmith Indianapolis has in the city.
Residential and Commercial Locksmiths
Most insurance companies will not cover the costs of a locksmith for residential and commercial purposes. However, that doesn’t mean you shouldn’t give your insurance company a call before getting locksmith services. Many insurance companies have clauses in their policies which entitle you to discounts for installing high-security locks. Even though these locks can be costly to install, they can save you a lot of money in the long run because of the discounts you get on your premiums.
As expected, there are usually a lot of catches to which locks will get you a discount and also who can install these locks. If you need to have a lock replaced or even if you are locked out, it is worth it to call your insurance company first and see what their policies are. You may need to use one of their certified locksmiths to put in a certain grade of lock for the discount to apply. If you are locked out, it may be more economical in the long run to just have your lock drilled out and a high-security one installed in its place.
If you can’t wait to call your insurance company before you get locksmith services (such as in cases of lockouts), then make sure to ask your locksmith about insurance discounts. While each policy differs, most locksmiths can give you some general advice. Always get an itemized invoice for the locksmith’s work so you can present it to your insurance company if needed for the discount.