No, you pay us directly and your insurance company will reimburse you if it is in your policy.
Clarification, Changing locks is taking the whole lock, knob/lever, latch and strick and replacing it. Rekeying a lock is taking the existing lock cylinder (leaving the rest) and changing it so that your existing key will no longer work and a new one will. Note, most of the time you will just want your locks rekeyed.
We will need a letter of authorization from the owner of the car/house/office. If you cannot provide identification, or authorization we will not help you. I am sure the other car, home and office owners will appreciate your cooperation.
Yes, we are available 24/7 to take care of you in emergency situations. But we do like to sleep occasionally so scheduling is preferable even if its a couple hours in advance.
No, we do not charge if we cannot get you in.
Yes, picking a lock or opening a car does not damage the lock or car. Note, the exception is if the lock is damaged or needs to be drilled. Then the lock will need to be replaced.