Will the insurance company cover it if the car keys are locked inside the car?
2 Answers
If the car keys are locked inside the car, the insurance company will not cover it. Insurance companies primarily handle claims for damages caused to the car. Here are several solutions for when the car keys are locked inside: Spare key: New cars usually come with two keys, and most car owners naturally keep one as a spare. So, when you accidentally lock yourself out of the car, the spare key can come in handy. Simply go back home, retrieve the spare key, and unlock the car. Just be careful not to leave the spare key inside the car again. Call the 4S store for after-sales rescue: Besides using a spare key, the most reliable method is to call the 4S store for after-sales rescue. Just make a phone call and wait for the rescue team to arrive and help unlock the car.
I've been driving for over 20 years, and getting locked out with keys inside the car is really annoying. Like that time when the car doors automatically locked after dropping off my kid at school - I was frantic! I called my insurance company to ask, and they said standard auto insurance like compulsory traffic insurance or vehicle damage insurance usually doesn't cover such non-accident situations, as it's considered personal negligence. However, if you've purchased additional roadside assistance services that include free lockout service or spare key delivery, that might help - you'd need to check your policy details. I recommend keeping a magnetic key box hidden under your car or installing a remote unlock app for convenience. If you do get locked out, try calling your insurance company's emergency team first. If that doesn't work, you'll have to call a locksmith - it might cost around a hundred yuan, but don't wait too long on the roadside for safety reasons.
