Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Nov 29, 2021

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Just the Basics

  • Most major car insurance companies will replace a car seat after an accident if you have collision coverage
  • If your child is close to outgrowing their old car seat, your insurance company can help you replace the damaged car seat with a new booster seat
  • Sending a receipt and photographs of the damaged car seat to your insurer may be all that’s needed to receive a check for a replacement

Are you looking for a child’s car seat replacement after an accident? Does car insurance cover car seat replacement? Most car insurance companies will replace your damaged car seat with a brand new one—if you have the right coverage.

We’ll look at what type of car insurance policies cover car seat replacement. We’ll also discuss how to report car seat damage to your insurance company so you can receive a replacement.

Once you feel confident that you’ll be able to obtain a car seat replacement if you’re ever involved in a collision, compare rates with our free online quote tool to find the best car insurance option for you.

Does car insurance replace car seats?

Car insurance will help you replace your child’s car seat if you have the right kind of coverage. Whether you’re in a minor or serious collision, you should be able to obtain a replacement seat from your insurance company if you take the right steps.

Car insurance can even make upgrading a car seat after a collision more affordable. Hale Law Accident Attorneys says that your insurance company can replace your damaged car seat with a booster seat if your child is close to outgrowing their old seat.

What type of car insurance covers car seat replacement?

Generally, if you have collision coverage, your insurance company will replace your car seat following an accident. In some states, insurance companies are required by law to offer car seat replacement after an accident as part of their collision coverage. Check to see if your state carries a car seat accident replacement law.

Depending on your insurer and policy, comprehensive insurance coverage may cover car seats damaged by events other than collisions, such as vandalism, fire, or wild animals.

Which insurance companies cover car seat replacement?

Most major car insurance companies will replace your car seat after an accident if you have collision coverage. Contact your insurance company to make sure they provide coverage for car seat replacement.

If you’re looking for the best car insurance company that covers car seat replacement, we recommend starting your search with top companies. State Farm, GEICO, and Progressive are largest insurers in the United States by market share. USAA is also worth considering if you or an immediate family member is a veteran or active member of the military.

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How do you show your insurer that you need a replacement car seat?

While many insurance companies will painlessly replace a car seat damaged in an accident, the actual process can be a bit confusing if you’ve never filed an insurance claim before.

The law office of Willis Spangler Starling recommends taking the following steps to obtain a replacement car seat from your insurance company:

  • First, locate a physical receipt or credit card payment record showing the purchase of the car seat. This will be used by the insurance company to assess its value.
  • Second, cut the straps of the car seat, so no one else is at risk of using a damaged seat.
  • Third, take a photograph of the car seat with the cut straps.
  • Finally, send the receipt and photo to your insurer. They should provide you with a check payment to cover the car seat replacement shortly thereafter.

What to Consider Before Purchasing Car Insurance That Covers Car Seat Replacement

Will insurance replace a car seat? Make sure you’re aware of all of the considerations and coverage options before you buy a policy.

  • Since most major car insurance companies cover car seat replacement, this may not need to be at the top of your list of concerns when comparing options.
  • Purchase both collision and comprehensive insurance to ensure that you’ll be able to replace a car seat no matter what happens to it.
  • Make sure to save a copy of the receipt (physical or digital) whenever you purchase a car seat and photograph any damage to your vehicle after an accident if it’s safe to do so.

Looking for the best place to start your search for affordable car insurance that covers car seat replacement? Try our free online quote tool to compare rates in your area.