A bill for an act relating to the inclusion of the value of child restraint systems in the loss calculation for specified insurance settlements of automobile partial or total losses, and including applicability provisions.

SF 215 requires insurance companies to include the value of child restraint systems (like car seats and boosters) in the payout amount when settling partial or total losses for damaged vehicles. This applies to all insurance policies covering automobiles (defined as passenger vehicles for nine or fewer people, excluding motorcycles) where the car seat is present at the time of the accident. The bill defines "child restraint system" as federally approved seating that meets safety standards (49 C.F.R. §571.213) and takes effect for losses occurring on or after July 1, 2025. The change directly affects policyholders with children and their insurance providers, ensuring car seat costs are factored into settlement calculations.