According to the National Highway Traffic Safety Administration, over 150,000 car accidents involving children occur annually. Many of these incidents involve a car seat or booster seat. It’s important to note that every car seat should be replaced after a car accident, even if there isn’t visible damage. But will your liability auto insurance in Ramseur, NC cover the cost?
Understanding Personal Property Coverage
Liability auto insurance policies typically do not cover personal property. These policies are designed to meet state minimum requirements, ensuring you avoid penalties and can cover damages to the other party if you’re found at fault for the accident.
Liability insurance will not cover damages to your own vehicle, personal property, or medical expenses if you’re injured in the accident.
Car Seat Coverage Exceptions
Some insurance companies make exceptions for car seats, but this depends on the specific provider. To determine whether your auto policy includes car seat replacement, contact an agent at Allen Insurance Agency for clarification.
How Car Seat Coverage Works
Insurance companies that offer car seat replacement typically require documentation and verification of the cost. Some may request details such as the make and model of your current car seat. Based on this information, they may provide funds to purchase a comparable car seat. Others may calculate the reimbursement based on the car seat’s value or the amount you originally paid for it, issuing a check for the determined amount.
Alternatively, some companies may ask you to purchase a new car seat and submit a receipt. Once verified, they will reimburse you for the amount paid.
These policies and procedures vary from company to company. An agent at Allen Insurance Agency can help you navigate the specifics and determine the best options for you. Contact us today to learn more. We proudly serve the Ramseur, NC area.
