| Posted By |
Message |
Domino
Always My Miracle
Member since 9/05 9922 total posts
Name:
|
Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Coming back from open school night, DH and I got into a car accident. The car is pretty bad off but we are both ok (and DS was thankfully home sleeping). I am going to try and get all my ducks in a row tomorrow but I do not know how it works with the carseat? Do they giave me the replacement value for the same model? I have the Radian Sunshine one (that I LOVE) but I think it is called something else now?
|
Posted 10/3/12 11:04 PM  |
| |
|
Long Island Weddings
Long Island's Largest Bridal Resource |
Kidsaplenty
Sister love
Member since 2/06 5971 total posts
Name:
Stephanie
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
When we were in an accident I called my insurance for a replacement seat and they said you don't need to replace it if you could drive your car away from the accident.
|
| Posted 10/3/12 11:09 PM |
| |
|
Domino
Always My Miracle
Member since 9/05 9922 total posts
Name:
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
my car is not drivable and was towed
|
| Posted 10/3/12 11:29 PM |
| |
|
ny55angel
car seat tech & geek :-)
Member since 2/06 4346 total posts
Name:
P
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Posted by Kidsaplenty
When we were in an accident I called my insurance for a replacement seat and they said you don't need to replace it if you could drive your car away from the accident.
That's crap!! I'm sorry!! I would not trust that what so ever and would have kept fighting for a new seat.
The stress and strain from an accident whether a child is in the seat or not can cause the integrity of the plastics to weaken as well as the frame that is metal. It specifically states in my users manual NOT to use the seat after an accident in case of unseen damage.
OP- I would make sure that my insurance company as well as the other persons insurance company were well aware that there was a car seat in the car and that you have intentions on replacing it ASAP because of damage it could have incurred from the accident. Ask what their policy is for reinbursement and take it from there.
A friend of mine was in a minor accident with 2 seats in the car and she was able to be reimbursed for about 75% of her new seats.
ETA: I hope that you and DH are okay!!
Message edited 10/3/2012 11:32:27 PM.
|
| Posted 10/3/12 11:31 PM |
| |
|
tara73
carseat nerd
Member since 11/09 3669 total posts
Name:
Buttercup
|
Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Glad that you both are OK.
Diono (formerly Sunshine Kids) requires replacement after any crash, they do not differentiate between occupied and unoccupied. Seats still sustain crash forces and absorb energy from the crash. They're a one time use item.
EDIT: To my knowledge, the only major manufacturer to follow the NHTSA guidelines for replacement is Britax. All other major manufacturers (Diono, Graco, Evenflo, Safety 1st etc) all require replacement after ANY crash.
You should be reimbursed for REPLACEMENT costs, not a percentage based on years owned etc. You may have to fight on this. If the accident was your fault, you're likely going to have to pay for the seat out of your own pocket, unfortunately.
Message edited 10/3/2012 11:58:19 PM.
|
| Posted 10/3/12 11:56 PM |
| |
|
MrsSpring
I'm a lucky mama
Member since 1/10 7585 total posts
Name:
L
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
there are car seat replacement guidelines. sounds like since you couldnt even drive the car your insurance wouldnt give you a hard time replacing it.
i was rear ended with my daughter in the car-thank God for the car seat-it protected her...if only we all could drive around in them. the insurance of the man who hit me sent me a check after i sent a receipt of the new car seat.
i reread what you wrote and your son wasnt in the car so im not too sure how that works..sorry its 6am
glad you are ok.
just take it easy-you may start feeling bad after.
Message edited 10/4/2012 6:19:50 AM.
|
| Posted 10/4/12 6:17 AM |
| |
|
Domino
Always My Miracle
Member since 9/05 9922 total posts
Name:
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
thanks everyone. Bit achy this morning but things cold have been worse. Waiting for my broker to open.
|
| Posted 10/4/12 7:22 AM |
| |
|
Kim7706
LIF Adult
Member since 3/07 1233 total posts
Name:
Kimberly
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
The most important thing is that you and your DH are ok! You two are NOT replacable!!! :)
I would think the insurance company would take care of it.
|
| Posted 10/4/12 8:39 AM |
| |
|
mommy2B3
2 boys 2 girls!!!!
Member since 7/08 3324 total posts
Name:
M
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Please replace car seats! My DH and I were rearended twice in 2009 and while they were small accidents, the undersides of the carseats when we replaced them had white pulls in the plastic. I hadn't realized insurance would pay for new carseats, guess its too late for me now lol. And I have the sunshine kids carseats too! Love them!
|
| Posted 10/4/12 9:01 AM |
| |
|
Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
I don't know what the rules are, per se with the NTSB, but I would replace any car seat that was in an accident. Occupied or not.
Message edited 10/4/2012 9:27:45 AM.
|
| Posted 10/4/12 9:25 AM |
| |
|
anonbfp
LIF Infant
Member since 12/07 134 total posts
Name:
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
I was rear ended it was not bad. But the cop ( a dad) said to go the nearest store & buy a new carseat right then. I had called my insurance company from the accident & they told me to fax in the receipt for the new seat. I was mailed a check for 100% of the new seat right away. This was handled entirely separate from the repairs to my car and was done much faster.
|
| Posted 10/4/12 9:53 AM |
| |
|
mrsboss
my little love
Member since 12/09 5054 total posts
Name:
Me
|
Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Most personal auto policies have a small limit, (under your collision coverage) which will reimburse you for PERSONAL property damaged in the accident. Usually between $200-300 per accident. Get your policy and read it over.
|
| Posted 10/4/12 10:57 AM |
| |
|
Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Posted by mrsboss
Most personal auto policies have a small limit, (under your collision coverage) which will reimburse you for PERSONAL property damaged in the accident. Usually between $200-300 per accident. Get your policy and read it over.
yeah it all depends on the policy and your insurance. My car seat can be covered under my homeowners. But there is a small allowance under my auto policy for peronsal property. If I was not at fault tho, everything would go through the other guy and yes, I'd get a new car seat.
Irony is I paid $99 (plus $5 shipping) for my carseat. It is however a Recaro and is much much more expensive. I would get Replacement cost to the same like kind and quality. Given that it is a car seat no depreciation should be applied.
Anything other than that, and I'd fight it tooth and nail!
..... then again... my insurance company knows what I do for a living LOL and I have already reported them once to the State of NY for the Fair Claims Act violiation. 
|
| Posted 10/4/12 12:17 PM |
| |
|
tara73
carseat nerd
Member since 11/09 3669 total posts
Name:
Buttercup
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Posted by mrsboss
Most personal auto policies have a small limit, (under your collision coverage) which will reimburse you for PERSONAL property damaged in the accident. Usually between $200-300 per accident. Get your policy and read it over.
This only applies you are at fault
If you are NOT at fault you should be reimbursed by the at fault driver's coverage and push for the full replacement value
ETA: Xelyndria's post pretty much covers it all.... there should be no depreciation and you can also use the argument that it is permanently installed via the LATCH system/seatbelt.
Message edited 10/4/2012 12:44:02 PM.
|
| Posted 10/4/12 12:42 PM |
| |
|
mrsboss
my little love
Member since 12/09 5054 total posts
Name:
Me
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Posted by tara73
Posted by mrsboss
Most personal auto policies have a small limit, (under your collision coverage) which will reimburse you for PERSONAL property damaged in the accident. Usually between $200-300 per accident. Get your policy and read it over.
This only applies you are at fault
If you are NOT at fault you should be reimbursed by the at fault driver's coverage and push for the full replacement value
ETA: Xelyndria's post pretty much covers it all.... there should be no depreciation and you can also use the argument that it is permanently installed via the LATCH system/seatbelt.
Yes, I assumed OP was at fault.
|
| Posted 10/4/12 12:50 PM |
| |
|
danis2031
LIF Zygote
Member since 2/10 38 total posts
Name:
Danielle
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
A few months ago my sister rear ended another car. Her car was totaled. My DD's car seat was in the back. DD was not in the car. She called Allstate, which was her insurance carrier, told them the seat was in the car. They said to buy the same car seat and we brought the old seat along with the receipt for the new one to theirs claims office. They gave us a check for the entire amount. Best wishes!
|
| Posted 10/15/12 2:54 AM |
| |
|
BargainMama
LIF Adult
Member since 5/09 15657 total posts
Name:
|
Re: Had a car accident tonight - what do I do about the car seat? (and for the nine hundreth time car seat reccomendation).
Oops wrong thread lol
Message edited 10/15/2012 7:14:30 AM.
|
| Posted 10/15/12 7:13 AM |
| |
|
