My point is that you didn't try to use ANY resources before contacting your W? At the very least you didn't contact your W with solutions ready to go. How much can it cost to have a locksmith come out... 100.00? IMO 100.00 would be worth every penny if it meant you did not have to appear needy and unable to reach solutions on your own.
At the very least you could have IM'd her and said:
W: I locked my keys in the car and am unable to locate the spare key. I just called a locksmith but wanted to verify you did not have the spare key.
Once she did let you know you had the coverage the FIRST words out of your mouth were "how do I use it?". Why? How do you think you would use it? Call and say "yo, insurance dudes, my keys are locked out and I need help"
If you can get in the habit of handling basic problems on your own the larger issues will become easier to deal with. No excuses, no justifications... JUST DO IT. Exhaust every possibility before you contact your W. Hell, I would have taken the city bus to the interview before contacting her.
How do you expect to run a business or find a high paying job if you don't even have the sense to figure out how to use roadside assistance? It doesn't seem like an unreasonable question.