Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 21, 2020

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Key takeaways...

  • Most all states have laws requiring mandatory use of car seats in all private vehicles
  • Violation of child safety laws often come with heavy fines
  • Car seats are manufactured by safety standards set by the government

Most all states have laws requiring mandatory use of car seats in all private vehicles.

While these laws differ from state to state (deepening on the age, height, and weight of the child) every state enforces a number of restrictions for how they can be used and manufactured.

Violation of child safety laws often come with heavy fines.

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Table of Contents

Types of Car Seats Covered by Car Insurance

Car seats are manufactured by safety standards set by the government and your car insurance company expects you to use safety certified car seats for any traveling children.

There are a number of car seats available including infant car seats, toddler car seats, booster car seats and more, but always check for the government approved stamp on the seat to know it complies with standards set by the auto insurance industry.

In fact, when traveling on a plane with a booster seat, unless the seat is FAA approved, a flight attendant may ask you to stow the seat away during takeoff and landing.

Purchasing a car seat that meets government safety standards will not only provide a level of safety for your children but also ensure the car seat is covered by a car insurance policy.

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When to Replace a Car Seat

Very similar to getting a crack in your vehicles front window car seats must be replaced at the first sign of damage.

No matter how small since the safety of your child depends on a car seat in perfect condition.

A car seat which has been damaged can never be guaranteed to work the same.

Some car insurance policies cover the replacement of car seats which become damaged so ask car insurance companies about this element when shopping for car insurance quotes

Why You Should Use a Car Seat

Statistics and safety are the only 2 words that count. Statistics show car seats save lives and the safety of your child is the most important responsibility you have in life.

Car seats were designed to restrain children in the safest possible position during the impact of an accident – with the primary goal to minimize bodily injury.

There are teams of people who study and test car seats for full-time jobs. Trust the experts.

How do I insure a car seat?

There is no doubt the cost of raising a child is expensive but you should never spare money when it comes to child safety.

Car seats can be pricey, and replacing them with even minor damage can seem like an expensive decision to make but you should, for the safety of your child.

Speak with your car insurance company about the coverage available for car seat replacement and what kind of damage they cover. If you have comprehensive car insurance coverage it’s possible you are already covered.

Driving a car is not just about enjoying the luxury of transportation but also maintaining the safest environment for your passengers – especially children.

Use our zip code search below to find car insurance companies and talk about car seat replacement coverage today.

References:

  1. https://www.babylist.com/hello-baby/best-car-seats
  2. http://thecarseatlady.com/types-of-booster-seats/
  3. https://www.faa.gov/travelers/fly_children/
  4. https://www.statefarm.com/insurance/auto