Your question: Does insurance have to replace car seats?

Most insurance companies will replace your car seat in a crash without question. … They don’t require you to buy the same seat. For instance, if your child was about to outgrow an infant seat, the insurance company will allow you to buy a convertible in its place.

Do car seats have to be replaced after an accident?

The National Highway Traffic Safety Administration (NHTSA) offers recommendations on when to replace children’s car seats and booster seats after car crashes. … If the vehicle needed to be towed from the scene of the crash, the car seat should be replaced. The vehicle door closest to the car seat was not damaged.

Does State Farm replace car seats after an accident?

If you’ve been in an accident, make sure that the car seat is safe to use before putting a child back in it. … In many cases, a new car seat will be covered by your auto insurance policy. Talk to your State Farm agent or claim rep for more information about your policy’s car seat replacement coverage.

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Why do you have to replace a car seat after an accident?

The National Highway Traffic Safety Administration (NHTSA), which enforces vehicle safety standards to reduce injuries and deaths from motor vehicle accidents, recommends replacing a child’s car seat after a moderate or severe crash. … The air bags did not deploy during the crash. The car seat shows no visible damage.

What voids a car seat warranty?

If the product is too padded it could squish during an accident and your child could be ejected. … On top of which, every car seat specifically states that after market products should NEVER be added to the car seat and that it voids the warranty and makes you responsible if the car seat fails for any reason.

What is considered a moderate car crash?

A moderate to severe crash is defined as the “equivalent to hitting a solid, fixed barrier at 8-14 mph or higher. (This would be the equivalent of striking a parked car of similar size at about 16-28 mph or higher.)

Can you tell if a car seat has been in an accident?

Car seats that have been involved in a crash may not appear damaged. No one can visually inspect a car seat for you or certify that it’s safe to use if the history is unknown or it has been in a crash.

Does Geico cover car seat replacement?

The National Highway Traffic Safety Administration says a car seat doesn’t have to be replaced after a minor crash. … Progressive Insurance told us they do not cover car seat replacement. Geico says they do. Allstate and State Farm says they cover it, in accordance with the NHTSA.

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Is it OK to use expired car seat?

A car seat or booster seat that has expired should be permanently disposed of so it cannot be reused by any one else. Car seat technicians tell parents to “destroy” the car seat. This means cutting the harness straps and removing the padding prior to recycling the car seat or putting it in the trash.

Who replaces carseat after accident?

There’s no good reason not to replace a child car seat after an accident because many insurers will replace car child seats FREE of charge. Since 2005 RoSPA have stated that replacing a child car seat is a legitimate accident cost that should be covered by insurers.

What to do after an accident that is not your fault?

You should absolutely call the police, whether the accident was a minor fender bender or a significant crash. If the accident wasn’t your fault, having an official police report will help you hold the other driver accountable for damages and repair costs.

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