Short answer: often yes—but only if you have Roadside Assistance (a.k.a. Towing & Labor) on your policy. Standard liability, collision, and comprehensive alone usually don’t include routine lockout service. Here’s how it works and what to check.
What Typically Is Covered
If your policy includes Roadside Assistance, lockout service is commonly part of it. Depending on your insurer, the benefit may:
- Dispatch a locksmith to unlock your door, or
- Reimburse you up to a set dollar limit if you arrange your own locksmith.
Expect the benefit to cover entry only. It generally doesn’t include replacing keys/fobs or reprogramming immobilizers unless your policy specifically says so.
What Usually Isn’t Covered
- Lost or stolen keys/fobs: Most base policies don’t pay to replace them. Some insurers offer optional key/fob replacement add-ons; otherwise, you’ll pay out of pocket.
- Dealer-locked programming or module replacements: Considered beyond a routine lockout.
- Damage from DIY entry attempts.
Common Limits & Fine Print
Roadside lockout coverage often comes with:
- Per-incident caps (e.g., up to a certain dollar amount)
- Usage limits per term (number of service calls)
- Geographic restrictions (remote areas may require reimbursement)
- Proof of ownership/ID at the scene
Always ask whether the benefit is dispatch (insurer sends a provider) or reimbursement (you choose the pro and submit a receipt).
Will a Lockout Claim Raise My Premium?
Roadside claims are typically non-chargeable (not at-fault accidents). That said, insurers can differ, and excessive use could lead to removal of the benefit or pricing changes. If you’re concerned, ask your agent how your carrier treats roadside events.
Other Places You Might Be Covered
- Auto clubs & memberships (e.g., roadside programs)
- Credit cards with roadside assistance perks
- Manufacturer warranties or CPO programs that include roadside
- New-car subscriptions or app-based services tied to the vehicle
Sometimes these are faster or more generous than your insurance add-on—compare before you call.
Best Way to Use Your Coverage (Step-by-Step)
- Check your ID cards/app for Roadside Assistance details.
- Call the listed roadside number (not the general claims line) to request a lockout.
- Provide VIN, location, and a call-back number.
- Have photo ID and proof of ownership ready for the technician.
- If your plan is reimbursement-only, save the receipt and submit promptly.
If Keys Are Lost (Not Just Locked Inside)
Ask a mobile automotive locksmith for two things:
- A new key/fob + programming quote, and
- Whether they can delete lost/stolen keys from the car’s memory.
Then check if your insurer offers key/fob replacement as an optional rider or if any of your memberships will offset the cost.
Bottom Line
Car lockouts are usually covered under an optional Roadside Assistance add-on—not by basic liability/comprehensive alone. Confirm whether your benefit dispatches help or reimburses you, know the caps, bring ID/ownership proof, and consider a spare key afterward to avoid the next emergency.