Does car insurance cover car seat replacement?

Does car insurance cover car seat replacement? If you have comprehensive car insurance, the answer is usually yes. Regardless of what state you live in, you're required to have a car seat for your child. If your car seat receives even minimal damage, you should get it replaced.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 19, 2022

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The Highlights

  • Most states require children to use a car seat, in case of an accident.
  • If you get into an accident and have comprehensive auto insurance coverage, your car insurance company will usually cover a car seat replacement.
  • Even if the accident is minor, you should still look to replace your child’s car seat.

Do auto insurance policies cover car seat replacement in the event of an accident? The answer is usually yes, if you have a comprehensive automobile insurance policy.

If you have a child, most states require you to get them a car seat, in case of an accident. Each state has different regulations regarding what height, weight or age the child must be.

Even if the accident is minor and the car seat shows no visible signs of damage, it’s still wise to play it safe and try to get it replaced. Just because you can’t see the damage doesn’t mean that it doesn’t exist.

It should be noted that not all car seat replacement coverages are the exact same. Before you choose a policy, it’s worth taking the time to compare car insurance, so you can get a sense of what large companies like State Farm, GEICO, and Progressive have to offer. Every company that sells automobile insurance is different.

If you’ve purchased a car seat for your child and are ready to buy auto insurance, enter your ZIP code into our free tool to find cheap auto insurance rates.

Will car insurance companies cover car seat replacements in the event of an accident?

If you have comprehensive coverage, then your insurance company should cover the cost of damaged child car seats.

Comprehensive auto insurance is a type of additional policy that covers you when you suffer damage in any situation other than a collision with another car, such as natural disasters.

Liability insurance only covers other people’s injuries and damages after an accident you’ve caused. It does not cover any damage to your vehicle or its contents/passengers. If you purchase liability coverage only, your car seat will definitely not be covered by insurance if you’re the at-fault driver in an accident.

Additional coverages like collision and comprehensive come with extra charges on your insurance policy, but they offer a lot more protection. If you want the option of filing an auto insurance claim for a car seat, you need comprehensive coverage.

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Should a car seat still be replaced in the event of a minor crash?

Minor accidents are what the name suggests- they’re accidents with minor damage to the vehicle and the passengers inside it. Accidents when no one was injured or when no air bags were deployed can be considered minor.

Regardless of whether it was a minor crash or not, you should still replace your car seat. Even if there doesn’t appear to be visible damage, be cautious and get it replaced anyway.

If you don’t replace the car seat and get in another accident, your child may lack the protection they need.

Drivers can check with seat manufacturers about whether or not the seat should be replaced after an accident.

How do I get my car insurance company to replace my car seat?

How you get your car seat replaced depends on the nature of the accident you were in. If the other party involved caused the accident, the claim is filed through their insurance company.

17 states in America require drivers to have “no-fault” insurance (also known as personal injury protection coverage). If you have this coverage, your insurance company is responsible for the replacement.

If you don’t have comprehensive car insurance, it might be tougher convincing your car insurance company to pay for a car seat replacement. Either way, keep any receipts that show the cost of replacing your car seat for reference.

If you have comprehensive insurance and your provider still refuses to pay, show them the car seat’s user manual. It usually states that a car seat cannot be used after a crash, regardless of the level of damage.

Do state laws require you to purchase a car seat if you have children?

Every state in the U.S. mandates that children use a child safety seat at some point. However, each state has different parameters as to what age, height or weight a child must reach before they’re allowed to switch to an adult seat belt. Some states have laws about booster seats as well.

While you’re looking for affordable car insurance rates, you should also familiarize yourself with the relevant state laws.

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Car Seat Replacement Policies: The Bottom Line

Regardless of state, it’s illegal for your child not to be in a car seat. Each state has slightly different laws, so read up on yours.

If you have comprehensive car insurance and your car seat gets damaged in an accident, your insurance company should reimburse you for a new one.

Even in the case of a minor accident, you should still replace your car seat, for the sake of safety.

Congratulations. You’ve now learned about how different auto insurance companies deal with car seat replacement. With this information, you can type your ZIP code into our free tool and find the most affordable car insurance quotes today.

Are you looking for free insurance quotes?

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