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Does car insurance cover a car seat after an accident?
My child's car seat was damaged in a recent fender bender. Luckily, my child was not in the vehicle. Will car insurance cover the cost of a replacement?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I’m sorry to hear about your accident. I’m glad that your child wasn’t in the car when it happened! I know you must feel incredibly relieved.
In most cases,
car insurance
should cover the cost of a replacement car seat. If you have collision coverage
or comprehensive coverage
, you may be able to submit a claim for the car seat under those policies. If someone else was at fault, their insurance will likely reimburse you or pay for a new car seat. If they refuse to, check with your own insurance company. Some states have mandates requiring insurance companies to replace car seats after an accident.
If you have difficulty getting your child’s car seat covered, consider shopping around. Since it’s important to you, you may want to ask companies what their rules are regarding car seats and whether they pay for replacements. While switching now won’t help you, it will guarantee that you’re protected if an accident occurs in the future.
If you’re looking for new insurance, use the
Jerry
app. A licensed broker, Jerry compares quotes from the top providers and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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