I had to break my car's small back side window when I locked my
keys in the car. Is it covered by comprehensive coverage?
are not covered by auto insurance. Choosing to break your own car's
window to retrieve the keys you locked in the vehicle won't be
covered by your car insurance policy.
It's true that
usually covers glass breakage, but only when the incident causing
the glass to break wasn't deliberate on your part.
Unplanned events that break your car's
or side windows normally would be covered. This includes incidents
- Rock or road debris flies up and cracks or breaks your
- A tree branch falls and breaks one of your vehicle's
- A stray baseball or golf ball cracking or breaking your car's
- A window broken by a thief to gain entry into your
- Acts of vandalism
To summarize: If an old flame smashes in your windows with a
baseball bat in an act of vandalism, then you're covered. If
instead you intentionally hit your window with a baseball bat to
gain access, it's not.
While you may feel you had a good reason for busting your
vehicle's window, your car insurance company will only see it as
you purposefully damaging your car, which is a big no-no to them
Instead of breaking into your car to recover your keys it's
recommended you call a locksmith, a tow truck that has a locksmith
service, a dealership to get a new key made or roadside assistance
such as AAA or Onstar (if you have paid for such a
You can also call the police to see if they will assist
you. Some areas will help you as a free public service, but
others have decided not to offer assistance retrieving keys locked
in a vehicle due to liability issues (unless there is a serious
issue such as a child is in the locked vehicle).
Any of the above options should be less expensive than the cost
of a new window to replace the one you smashed in.
It might make you feel better about the situation to remember
that even if this had been an acceptable comprehensive claim, you
would have had a deductible to pay out. If the window repair
cost turns out to cost less than your deductible amount, maybe it
won't sting as much that this incident wasn't covered by your car