Towing and Labor Costs

April 25, 2016

Our insured locked his keys in his car and had to have a locksmith open his door. Would the cost of the locksmith be covered under the towing and labor cost portion under the personal auto policy?

Indiana Subscriber

Under the terms of the endorsement, the towing and labor costs are covered for attending to the disablement of the covered auto, and the labor costs are paid if the labor is performed at the place of disablement. If the car is disabled and it is fixed at that spot, the coverage is there. In this instance, the car was disabled and was fixed at that spot so the coverage exists.