There are many parents out there who are always on the lookout for ways to save money on their expenses, and one area where they might consider looking is car insurance. Of course, one of the things that parents need to keep in mind when it comes to car insurance is that they need to be sure that their policy will cover them for any accidents that may occur while their children are riding in the car with them.
Car Seat Laws by State
Car seat laws vary from state to state, so it’s important to do your research before buying a car seat. In general, most states require children to be seated in a car seat for the majority of the trip, unless they are at least age 4 and are able to sit in a rear-facing car seat. Here are the car seat laws by state:
Arizona: Children under age 2 must be secured in an approved child restraint system. Children between 2 and 4 years old may ride in a regular passenger seat, but must be secured by a safety belt or an approved child restraint system. Children between 4 and 8 years old must be secured by a safety belt or an approved child restraint system. After 8 years old, they may ride in the front seat, but must be secured by a safety belt or an approved child restraint system.
Arkansas: Children under age 1 must be secured in an approved child restraint system. Children between 1 and 4 years old may ride in a regular passenger seat, but must be secured by a safety belt or an approved child restraint system. Children between 4 and 8 years old must be secured by a safety belt or an approved child restraint system.
Types of Injuries That Car Seats Can Protect Against
Incar crashes are the leading cause of death for children aged 1 to 4 years old, and the second leading cause of death for children aged 5 to 14 years old. The National Highway Traffic Safety Administration (NHTSA) estimates that in 2013, car crashes were responsible for 31% of all child fatalities.
There are a variety of injuries that car seats can protect against, including: infant head injuries, subdural hematoma, internal decapitation, and spinal cord injury.
If you or your child are injured in a car crash, do not hesitate to seek medical attention. However, knowing which type of injury your child may have sustained can help you make the best decision for medical care. If you have any questions about which type of injury your child may have sustained in a car crash, talk to a doctor or visit an accident reconstruction center.
Types of Car Seats
There are many different types of car seats available on the market today. Each one has its own unique benefits and drawbacks. Some car seats are better for infants, while others are better for toddlers. The best car seat for your child depends on their age, size, and weight. Here are some of the most common types of car seats:
-Infant Car Seat: An infant car seat is a special type of seat that is designed to protect a baby from injury in a car accident. Infant car seats should be used until a baby reaches the weight and height limits set by the manufacturer.
-Toddler Car Seat: A toddler car seat is a special type of seat that is designed to protect a child from injury in a car accident. Toddler car seats should be used until a child reaches the weight and height limits set by the manufacturer.
-Convertible Car Seat: A convertible car seat can be used for both infants and toddlers. It is a special type of seat that can be turned from an infant seat into a toddler seat. This makes it easier to transport your child between vehicles.
How Much Will Insurance Pay For A Car Seat?
Insurance companies vary in their policies on paying for car seats. Many will only cover the cost of the car seat if it is a new purchase, while others may cover a fraction of the cost. It is always important to check with your insurance company to find out their specific policy on car seats.
Who Pays for a Car Seat When It’s Ruined By an Accident?
When a car seat is damaged in an accident, most people assume that the insurance company will cover the cost of a new car seat. However, this is not always the case.
The general rule is that the insurance company will only cover a car seat if it was purchased from their approved list. However, this list is usually very short and does not include many cheaper options. In addition, many times the insurance company will only cover the cost of a new car seat if it was manufactured within the last few years.
If you have a older car seat that was not purchased from an approved list or was made more than few years ago, you may be able to get it covered by your insurance company. However, this will often require a lot of paperwork and proof that the seat was actually damaged in the accident.
Conclusion
A lot of people are wondering if their insurance company will pay for a car seat. The short answer is that it depends on your policy and the type of car seat you buy. If you buy a standard car seat, your insurer likely won’t cover the cost. However, if you buy an infant-safety oriented car seat, like one designed to protect against rear-end collisions, most insurers will cover the cost.