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littlejoy06
Love
Member since 3/07 6944 total posts
Name:
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Car Seats and accidents!! PLEASE READ!!!
Hi Everyone,
I was telling my DH about how many accidents there were yesterday because of the snow. This is really important!!!
He is an insurance adjuster and wanted me to tell everyone, since a lot of insurance companies won't tell you because they have to pay.
IF you are in an accident, even a minor one, you MUST remove your car seat and buy a new one. The insurance company WILL pay for this. All you have to do is buy a new one and they will reimburse you.
This is a safety violation if you don't. For some reason the car seat is impacted from the accident and is no longer safe.
Hope this helps!!!
Message edited 2/13/2008 9:00:48 AM.
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Posted 2/13/08 8:57 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
2BEANS
wow time is going fast.
Member since 9/07 16106 total posts
Name:
Tina
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Re: Carseats and accidents!! PLEASE READ!!!
Wow... Thanks for this info, i did not know that.
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| Posted 2/13/08 8:58 AM |
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GoldenRod
10 years on LIF!
Member since 11/06 26792 total posts
Name:
Shawn
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Re: Carseats and accidents!! PLEASE READ!!!
Great info, especially with all of the recent accidents. It's mentioned on this site every once in a while, but it's always good to keep reminding people about it.
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| Posted 2/13/08 9:01 AM |
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twobabies
Praying
Member since 7/05 9662 total posts
Name:
Mrs. Honeybee
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Re: Carseats and accidents!! PLEASE READ!!!
yep i knew this. My dh was in a car accident the day after installing my two brand new carseats. Our insurance reimbrused us to buy two new ones. 
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| Posted 2/13/08 9:01 AM |
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waterspout4
My loves
Member since 5/06 19150 total posts
Name:
Kelly
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Re: Car Seats and accidents!! PLEASE READ!!!
OOH! I knew it had to be replaced, but didn't know it could be paid for. Thanks! 
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| Posted 2/13/08 9:02 AM |
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Diana1215
Living on a prayer!!!
Member since 10/05 29450 total posts
Name:
Diana
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Re: Car Seats and accidents!! PLEASE READ!!!
That's good to know - thanks for filling us in!
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| Posted 2/13/08 9:20 AM |
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MommyofG
just the girls
Member since 5/05 9461 total posts
Name:
Janice
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Re: Car Seats and accidents!! PLEASE READ!!!
It doesnt work for all accidents though remember while back I posted how some old man hit me- pulling out of a business driveway onto traffic- smashed my front bumper- well b/c the impact was there I was not eligible to receive a new car seat. I tried though would have been nice to get another roundabout for free
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| Posted 2/13/08 9:51 AM |
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littlejoy06
Love
Member since 3/07 6944 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
Posted by MommyofG
It doesnt work for all accidents though remember while back I posted how some old man hit me- pulling out of a business driveway onto traffic- smashed my front bumper- well b/c the impact was there I was not eligible to receive a new car seat. I tried though would have been nice to get another roundabout for free
REALLY??? Wow, my DH said no matter where the impact is, they have to replace it. Your company must have some crazy rules. Sorry!!!
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| Posted 2/13/08 10:05 AM |
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MommyofG
just the girls
Member since 5/05 9461 total posts
Name:
Janice
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Re: Car Seats and accidents!! PLEASE READ!!!
Posted by littlejoy06
Posted by MommyofG
It doesnt work for all accidents though remember while back I posted how some old man hit me- pulling out of a business driveway onto traffic- smashed my front bumper- well b/c the impact was there I was not eligible to receive a new car seat. I tried though would have been nice to get another roundabout for free
REALLY??? Wow, my DH said no matter where the impact is, they have to replace it. Your company must have some crazy rules. Sorry!!!
does your DH know what safety code number it is? or is there an insurance code for that so I have ammo and call my insurance company back? and do you know is there a limit of how much they will reimburse for a car seat?
maybe they didnt do it b/c it wasnt a hard impact- it was a slow hit meaning I had stopped short he kept pulling out hitting my front bumper at a rate of 5 miles an hour but stepping on his gas hard fighting resistance ( my car) and thats how I got so much damage. It wasnt an impact at a high rate of speed. thats what Im guessing was there figuring. it was like someone trying to fit into a parking space hitting the car infront of you damaging your bumper- the car is rocking but thats it.
Message edited 2/13/2008 10:11:59 AM.
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| Posted 2/13/08 10:07 AM |
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CunningOne
***
Member since 5/05 26975 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
I always knew that. Thanks for the reminder, especially after yesterday!
My car was hit, while parked in my driveway. No one was in it (car left road and careened across our lawn and ened up in my driveway, hitting my parked car  ). Can you ask DH if insurance would cover that? I guess it's a little to late, as this happened in July, but I was just curious. TIA.
Wanted to add that the impact was not much, actually the out of control car crashed into my DH's car, pushing his car into mine. So it was not a direct hit.
Message edited 2/13/2008 10:42:50 AM.
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| Posted 2/13/08 10:41 AM |
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MrsSchwags
Soccer Baseball Lax Mom
Member since 10/05 11240 total posts
Name:
Jennifer
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Re: Car Seats and accidents!! PLEASE READ!!!
Thanks for the reminder!
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| Posted 2/13/08 10:42 AM |
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littlejoy06
Love
Member since 3/07 6944 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
Okay, I just spoke to my DH. LOL!!! He said that if it is a significant impact it must be replaced, therefore the insurance company will reimburse you. He has worked for 3 companies and they ALL have this rule. He told me that you should call the company again and talk to a manager about it. He thinks that it is rediculous that they won't reimburse you if you have to replace it.
Also, he said that the seat itself says you to replace it if it was in an accident.
It would be stupid if they didn't because if something happens (god for bid!!) and the old seat caused injury to your child, they would have a HUGE lawsuit on their hands for not replacing it.
Message edited 2/13/2008 11:00:25 AM.
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| Posted 2/13/08 10:57 AM |
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Re: Car Seats and accidents!! PLEASE READ!!!
I have state farm and they told me they don't pay to replace the carseat.
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| Posted 2/13/08 11:22 AM |
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Tammy503
LIF Infant
Member since 6/06 263 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
Just wanted to add that you should destroy the old seat. If you just put it out and it looks like its fine, someone may take it and use it.
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| Posted 2/13/08 11:29 AM |
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debsey75
My two best friends!
Member since 11/06 5879 total posts
Name:
Debbie
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Re: Car Seats and accidents!! PLEASE READ!!!
Thanks for the info Sue.
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| Posted 2/13/08 11:32 AM |
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littlejoy06
Love
Member since 3/07 6944 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
Posted by architectnycity
I have state farm and they told me they don't pay to replace the carseat.
Wow, that's horrible. I would fight them on that!!! Sorry
Message edited 2/13/2008 11:33:49 AM.
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| Posted 2/13/08 11:33 AM |
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michele31
LIF Adult
Member since 5/05 3372 total posts
Name:
Michele
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Re: Car Seats and accidents!! PLEASE READ!!!
This is why you should NEVER buy a car seat at a garage sale or craigs list. You just don't know if it has been in an accident. it might look perfectly fine but not be.
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| Posted 2/13/08 11:41 AM |
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Re: Car Seats and accidents!! PLEASE READ!!!
Thanks for that information - I would never have thought of that either...
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| Posted 2/13/08 11:42 AM |
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luckystars3
2015
Member since 11/07 2378 total posts
Name:
Julie
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Re: Car Seats and accidents!! PLEASE READ!!!
Thanks for the info, I didnt know that.
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| Posted 2/13/08 11:48 AM |
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Briannasmommy
Love her so much <3
Member since 5/05 15567 total posts
Name:
Christina
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Re: Car Seats and accidents!! PLEASE READ!!!
didn't know that thank you
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| Posted 2/13/08 11:49 AM |
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christy
Mommy of 2
Member since 5/05 6787 total posts
Name:
Christy
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Re: Car Seats and accidents!! PLEASE READ!!!
great info! Thanks!
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| Posted 2/13/08 11:50 AM |
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Re: Car Seats and accidents!! PLEASE READ!!!
Great info! I didn't know they would pay!
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| Posted 2/13/08 12:33 PM |
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juanvi
Get Out!
Member since 10/06 4463 total posts
Name:
Christina
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Re: Car Seats and accidents!! PLEASE READ!!!
thank you! that's great to know!
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| Posted 2/13/08 12:34 PM |
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krwm
<3
Member since 7/05 3466 total posts
Name:
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Re: Car Seats and accidents!! PLEASE READ!!!
Good to know, thanks.
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| Posted 2/13/08 12:51 PM |
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wowcoulditbe
wow, pic is already 1 yr old!!
Member since 1/06 6689 total posts
Name:
D
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Re: Car Seats and accidents!! PLEASE READ!!!
thanks - i had a veyr bad accident in dcemeber (I rolled my car over and THANK GOD dd was not with me at the time) we had to buy a new carseat...do you think i should call up and ask them now? my car was totalled so obviously, there was damage done...or is it too late now??
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| Posted 2/13/08 9:30 PM |
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