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Before I write about a car seat and why it is important to have a safe one installed for your child in a car, I am going to share some links to “car seat comedians” listed on youtube.com.
I had to post these as I have a two-year old boy who not only tells me what to do from his car seat when we are driving, but he also jams-out to different music, so this stuff rings true with me.
This is a serious issue though because these little ones are so important to us and we want to do everything in our power to keep them safe. So why not get them a decent car seat that keeps them safe and secure if some bozo runs a stop sign and hits you or the guy behind you is so enthralled in his texting conversation that he forgets to look up and rear-ends your vehicle.
You also have to make sure not to forget to properly secure the car seat in the vehicle, especially if you just moved the car seat from another car. So be careful and remember to properly secure your bundle in the back seat and away from all airbags.
Now, if a person tells me that their car seat was occupied by a child when the accident occurred, I have to reimburse them for a new car seat through the auto claim. That is because when the impact happens, the child’s body pulls on those straps which may compromise their integrity for the next accident that happens. If the car seat is not in use when the accident happens, then we do ask if there is any visible damage to the car seat. If there is no photographic evidence of damage to the car seat, then we usually do not pay to replace it and I do not know many insurance companies that would in that situation. I wanted to let you know though in case you have a claim where your child was riding in the car seat when the accident happened. It is the law in some states that the car seat replacement gets reimbursed by the at fault insurance company. In other states it is not the law, but most insurance companies may pay for the replacement as a good business practice. Make sure you contact your adjuster to find out if your car seat would be reimbursed if you replaced it after an accident. Also remember to save your receipt as you will need to submit it as supporting documentation for your claim.
Be safe out there!