Every car seat should be replaced after an accident to ensure there is no hidden damage and that the seat remains safe. The National Highway Traffic Safety Administration recommends replacing a car seat after even a moderate accident to ensure its effectiveness.
Standard Policies
Most auto insurance policies will replace a car seat depending on the type of coverage you have. Liability coverage typically doesn’t pay for a replacement because this type of coverage doesn’t cover personal belongings.
Most collision policies will pay for anything damaged during the accident, including a new car seat. This applies even if there isn’t visible damage to the car seat. However, you may need to provide proof of recommendations from the National Highway Traffic Safety Administration or another reliable source in Ft. Worth, TX, to receive compensation.
Exceptions
Many insurance companies make exceptions to their standard liability policy for car seat replacements. It’s one of the few pieces of personal property they will replace. This varies depending on the company. Contact Main Street Independent Insurance Agencies Inc. to determine if you qualify for a replacement.
Required Information
How companies pay for a car seat tends to vary. Many will want to know the brand and style of the car seat involved in the accident to determine its value. It’s helpful to have the receipt or owner’s manual handy to provide accurate information.
Some insurers may ask you to purchase a new car seat and will reimburse you. Others may provide the value of your current car seat so you can purchase a comparable one.
It’s important to speak with an agent at Main Street Independent Insurance Agencies Inc. to learn more about the car seat replacement policy. Contact us today. We’re currently serving the Ft. Worth, TX, area.
