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Does Insurance Cover Car Seat Replacement After Accident?

Car seats are often covered by auto insurance. You can claim if an accident damages your car seat under the collision policy of your auto insurance. Here’s everything you need to know about car insurance coverage for car seat replacement in the event of an accident.
Does Insurance Cover Car Seat Replacement After Accident
Does Insurance Cover Car Seat Replacement After Accident?
Every auto insurance company is different, and state regulations also differ for car owners. Many factors can play a role in whether or not your claim for a damaged car seat gets paid. Let's read to know more!
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Does insurance cover car seat replacement after accident? Every auto insurance company is different, and state regulations also differ for car owners.

Many factors can play a role in whether or not your claim for a damaged car seat gets paid. After an accident, some auto insurance companies will replace your car seat if you ask them to, while others will only cover the cost of a new seat if the law mandates it.

Certain companies only replace car seats if a child was in it at the time of the accident. Use Beem to compare and find the best car insurance quotes to make the right choice for your vehicle according to your budget.

Does Insurance Cover Car Seat Replacement After Accident?

Yes, car seats are often covered by auto insurance. Under your collision policy, you can claim if an accident damages your car seat. If another driver caused the accident and you don’t have collision coverage, their insurance company might pay you back.

Can I Get a Free Car Seat Replacement After an Accident?

Usually, your insurance will replace a car seat damaged in an accident if you have collision coverage. Even if there isn’t any visible damage, insurance providers may pay to replace it as the integrity could have been compromised in the accident.

In certain states, such as California, insurance companies are legally required to cover the cost of a new car seat.

Also Read: Does Getting Your Car Towed Affect Your Insurance?

How to Get a Car Seat Reimbursement After a Car Accident

The procedure can vary, but the basic one is quite clear-cut. However, insurance companies only reimburse you for car seats you own, not new ones.

In addition to this, they are unlikely to reimburse you for an expired car seat. Also, to qualify for a reimbursement, you will require ICBC Collision, Comprehensive or Specified Perils coverage, or a claim involving another ICBC-insured driver.

Remember, the reimbursement request must be submitted within two years of the date of loss. 

Does Auto Insurance Typically Cover Car Seats?

Car seats are considered personal property and are not usually covered by an auto insurance policy. If you want to protect your car seats from any damage, you may consider buying additional insurance coverage specifically designed for car seats. 

Also Read: Does Car Insurance Cover Non-Accident Repairs?

Are Rental Car Seats Covered by Auto Insurance?

Rental car seats are generally not covered by auto insurance policies. A rental company typically provides car seat rental as a separate service when renting a vehicle.

You can add car seat rental to your reservation for an additional fee. You should check with the rental company about their specific policies and costs regarding car seats.

Also Read: Does Car Insurance Cover DUI Accidents?

Can I Claim Car Seat Coverage Under Comprehensive Insurance?

If a natural disaster or vandalism causes damage, it is typically covered by comprehensive insurance.

But remember, car seats are often considered personal property, so comprehensive insurance may not automatically cover them. So, check with your insurance provider to find out if car seats are covered or if separate coverage is available.

Also Read: Does Car Insurance Cover Fire Damage?

Should I Keep Records of My Car Seat Purchase and Receipts?

Yes. Keeping track of your receipts makes it easier to determine what has to be done to keep your car running. Additionally, it makes a vehicle more attractive to potential buyers.

Also Read: Does Car Insurance Follow the Car or the Driver

Conclusion

Does insurance cover a car seat replacement in the event of an accident? Your insurance will typically cover the replacement of your car seat following an accident if you have collision coverage added to your policy.

Even if a car seat does not show signs of apparent damage, insurance providers may provide their replacement to protect the vehicle following the accident. Compare and find the most appropriate auto insurance with Beem that covers damage to your vehicle and injuries to yourself or others. 

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Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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