car accident which seats to get?/ new ? Insurance doesnt want to pay for carseats - Mothering Forums

Forum Jump: 
 
Thread Tools
#1 of 18 Old 01-08-2010, 03:49 PM - Thread Starter
 
almadianna's Avatar
 
Join Date: Jul 2006
Location: *clicks heels* There is no place like Stockholm
Posts: 5,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Mike was in a car accident two days ago, the kids were not in the car but the carseats were. He is fine but the car is not so fine and we definitely need new seats.

So... which ones to get?

We have a 3 year old and 1 year old. We need convertibles. Kate (3 year old) has a long torso and Calvin (one year old) is chunky.

Money really isnt an issue.

Thanks all!

ETA: He has a Nissan Frontier with the 4 door cab. So it isnt very big inside and the car seat needs to fit RF without taking up a HUGE amount of room.

ETA2:

So the insurance company says that since the air bags did not deploy they do not want to pay for the new carseats because they dont need to be replaced. we have two true fits by safety 1st. mike called safety first and they said that they did not need to be replaced. so um.. do they?

earth.gif trottin', pole dancing, Norway and Sweden lovin' , hippie.gif,WOHM Kiddos born waterbirth.jpg 12/11/06 and 08/09/08 
belly.gif with #3 puke.gif EDD:01/2013 yikes2.gif So in love loveeyes.gif with my sweet Swede 2twins.gif and my bonus-son 10/25/98 carrot.gif

 
 

almadianna is offline  
Sponsored Links
Advertisement
 
#2 of 18 Old 01-08-2010, 04:32 PM
 
Equuskia's Avatar
 
Join Date: Dec 2006
Location: Puerto Rico
Posts: 3,173
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I don't know how close you are to Houston, But there is a USABaby there where you can try out the Radian. It's great for kids with long torsos, since the shell is tall, but I don't know if it would fit in your car.

Equuskia in with Nodtveidt DD1 : DD2 :
Equuskia is offline  
#3 of 18 Old 01-08-2010, 04:34 PM - Thread Starter
 
almadianna's Avatar
 
Join Date: Jul 2006
Location: *clicks heels* There is no place like Stockholm
Posts: 5,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We are in Houston. But have never been to USA Baby.. hmm...

earth.gif trottin', pole dancing, Norway and Sweden lovin' , hippie.gif,WOHM Kiddos born waterbirth.jpg 12/11/06 and 08/09/08 
belly.gif with #3 puke.gif EDD:01/2013 yikes2.gif So in love loveeyes.gif with my sweet Swede 2twins.gif and my bonus-son 10/25/98 carrot.gif

 
 

almadianna is offline  
#4 of 18 Old 01-08-2010, 05:14 PM
 
DahliaRW's Avatar
 
Join Date: Apr 2005
Location: Near the beautiful Cascades!
Posts: 6,584
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 3 Post(s)
For the tall skinny one I would look at a radian or complete air or true fit. For the smaller chunkier one, a graco myride.

Happily married to my dh, mama to ds1 (01/2005), ds2 (07/2007)  and dd (07/2009).
DahliaRW is offline  
#5 of 18 Old 01-08-2010, 09:23 PM
 
triscuitsmom's Avatar
 
Join Date: Jan 2007
Location: Between Toronto and Ottawa, Ontario
Posts: 1,822
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by almadianna View Post
ETA2:

So the insurance company says that since the air bags did not deploy they do not want to pay for the new carseats because they dont need to be replaced. we have two true fits by safety 1st. mike called safety first and they said that they did not need to be replaced. so um.. do they?
Just wanted to double check this, True Fits are maybe by Learning Curve or First Years (same company)... not Safety First. All carseat manufacturers have different guidelines and I don't know what they are for Safety First but the TrueFit manual definitely says replace after crashes.

Also as for insurance the NHSTA says that carseats might not need replaced after a minor crash and a minor crash is one in which:

*The vehicle was able to be driven away from the crash site;
*The vehicle door nearest the safety seat was undamaged;
*There were no injuries to any of the vehicle occupants;
*The air bags (if present) did not deploy; AND
*There is no visible damage to the safety seat

All five must be met for it to be minor and if they aren't then the insurance really needs to replace them. Either way Learning Curve says replace them so if you present your manual to the insurance company maybe that would help?

Alison
Mama to Toad (08/06), Frog (01/09)... and new baby Newt born on his due date, Sep. 8, 2010
triscuitsmom is offline  
#6 of 18 Old 01-09-2010, 09:55 PM
 
alegna's Avatar
 
Join Date: Jan 2003
Posts: 42,826
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by triscuitsmom View Post
Just wanted to double check this, True Fits are maybe by Learning Curve or First Years (same company)... not Safety First. All carseat manufacturers have different guidelines and I don't know what they are for Safety First but the TrueFit manual definitely says replace after crashes.

Also as for insurance the NHSTA says that carseats might not need replaced after a minor crash and a minor crash is one in which:

*The vehicle was able to be driven away from the crash site;
*The vehicle door nearest the safety seat was undamaged;
*There were no injuries to any of the vehicle occupants;
*The air bags (if present) did not deploy; AND
*There is no visible damage to the safety seat

All five must be met for it to be minor and if they aren't then the insurance really needs to replace them. Either way Learning Curve says replace them so if you present your manual to the insurance company maybe that would help?
What is the definition of being able to be driven away?

-Angela
alegna is offline  
#7 of 18 Old 01-09-2010, 09:58 PM
 
Maedze's Avatar
 
Join Date: Dec 2008
Posts: 1,558
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by alegna View Post
What is the definition of being able to be driven away?

-Angela
Can the vehicle be safely driven from the scene of the accident, without leaving fluids or engine parts strewn all over the road?

I mean, technically it would illegal to operate a car, if say your brake lights didn't work anymore, but if the car could still be driven without any weird noises or explosions, I would still count that as 'able to be driven'.

As you can see, though, it's not exactly cut and dry, it's a judgement call.

CPST
Maedze is offline  
#8 of 18 Old 01-10-2010, 05:30 AM
 
an_aurora's Avatar
 
Join Date: Jun 2006
Location: Palmer, AK
Posts: 6,401
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by triscuitsmom View Post
Just wanted to double check this, True Fits are maybe by Learning Curve or First Years (same company)... not Safety First. All carseat manufacturers have different guidelines and I don't know what they are for Safety First but the TrueFit manual definitely says replace after crashes.

Also as for insurance the NHSTA says that carseats might not need replaced after a minor crash and a minor crash is one in which:

*The vehicle was able to be driven away from the crash site;
*The vehicle door nearest the safety seat was undamaged;
*There were no injuries to any of the vehicle occupants;
*The air bags (if present) did not deploy; AND
*There is no visible damage to the safety seat

All five must be met for it to be minor and if they aren't then the insurance really needs to replace them. Either way Learning Curve says replace them so if you present your manual to the insurance company maybe that would help?
The only manufacturer that follows the NHTSA guidelines is Britax; all others require that the seat be replaced after ANY crash.

CPST & mom

an_aurora is offline  
#9 of 18 Old 01-12-2010, 01:30 AM
 
EmmaJean's Avatar
 
Join Date: Sep 2002
Posts: 1,922
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
deleted b/c i answered my question!! thanks internet!
EmmaJean is offline  
#10 of 18 Old 01-12-2010, 11:03 AM
 
Equuskia's Avatar
 
Join Date: Dec 2006
Location: Puerto Rico
Posts: 3,173
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Alma, if the insurance company doesn't want to pay, have them sign a form saying that by not replacing the seats, they are guaranteeing that they are intact, completely safe for use and will protect your children's lives in a crash.

How badly was the car damaged anyways, and who's fault was it?

Equuskia in with Nodtveidt DD1 : DD2 :
Equuskia is offline  
#11 of 18 Old 01-12-2010, 11:16 AM
 
chickabiddy's Avatar
 
Join Date: Jan 2004
Posts: 3,435
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 23 Post(s)
I personally don't favor the above tactic: insurance companies won't and shouldn't be responsible for "guaranteeing" a child's safety if parents choose to reuse crashed seats. Insurance companies are and should be responsible for paying out in accordance with the policy. Check your policy and ask your adjuster to show you exactly what their policy states about replacing carseats. Your carseats do need to be replaced. and if your policy covers carseat replacement, they should pay.

Carseat-checking (CPST) and WAH mama to a twelve-year-old girl.
chickabiddy is online now  
#12 of 18 Old 01-12-2010, 02:40 PM
 
Equuskia's Avatar
 
Join Date: Dec 2006
Location: Puerto Rico
Posts: 3,173
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Alma, page 5 of the manual says "Do NOT use this Convertible Seat if it has been in a crash. (There may be hidden damage and must be replaced.) Your insurance may provide some assistance in replacing this seat."

Equuskia in with Nodtveidt DD1 : DD2 :
Equuskia is offline  
#13 of 18 Old 01-12-2010, 03:28 PM - Thread Starter
 
almadianna's Avatar
 
Join Date: Jul 2006
Location: *clicks heels* There is no place like Stockholm
Posts: 5,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
THanks for the replies mama. My husband was not at fault and we have been back and forth with the insurance company about this grrrrrrr.

earth.gif trottin', pole dancing, Norway and Sweden lovin' , hippie.gif,WOHM Kiddos born waterbirth.jpg 12/11/06 and 08/09/08 
belly.gif with #3 puke.gif EDD:01/2013 yikes2.gif So in love loveeyes.gif with my sweet Swede 2twins.gif and my bonus-son 10/25/98 carrot.gif

 
 

almadianna is offline  
#14 of 18 Old 01-12-2010, 03:31 PM
 
chickabiddy's Avatar
 
Join Date: Jan 2004
Posts: 3,435
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 23 Post(s)
If your husband is not at fault, then you should be negotiating with the other driver's insurance, not your own.

Carseat-checking (CPST) and WAH mama to a twelve-year-old girl.
chickabiddy is online now  
#15 of 18 Old 01-12-2010, 03:34 PM - Thread Starter
 
almadianna's Avatar
 
Join Date: Jul 2006
Location: *clicks heels* There is no place like Stockholm
Posts: 5,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by chickabiddy View Post
If your husband is not at fault, then you should be negotiating with the other driver's insurance, not your own.
Which is what we have been doing.

earth.gif trottin', pole dancing, Norway and Sweden lovin' , hippie.gif,WOHM Kiddos born waterbirth.jpg 12/11/06 and 08/09/08 
belly.gif with #3 puke.gif EDD:01/2013 yikes2.gif So in love loveeyes.gif with my sweet Swede 2twins.gif and my bonus-son 10/25/98 carrot.gif

 
 

almadianna is offline  
#16 of 18 Old 01-12-2010, 03:37 PM - Thread Starter
 
almadianna's Avatar
 
Join Date: Jul 2006
Location: *clicks heels* There is no place like Stockholm
Posts: 5,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Maedze View Post
Can the vehicle be safely driven from the scene of the accident, without leaving fluids or engine parts strewn all over the road?

I mean, technically it would illegal to operate a car, if say your brake lights didn't work anymore, but if the car could still be driven without any weird noises or explosions, I would still count that as 'able to be driven'.

As you can see, though, it's not exactly cut and dry, it's a judgement call.
This is where we are finding the issue to be. The car did a 360 on the street and the truck hit the curb on both sides like a ping pong ball. The wheels in the back need to be replaced because chunks were blown off of them and the tires obviously exploded. The side panel of the bed of the truck on the drivers side is also being replaced.

But... the car was driveable I guess after replacing the tires... I mean it could move and it turned on. Safe to drive? um no so much.

earth.gif trottin', pole dancing, Norway and Sweden lovin' , hippie.gif,WOHM Kiddos born waterbirth.jpg 12/11/06 and 08/09/08 
belly.gif with #3 puke.gif EDD:01/2013 yikes2.gif So in love loveeyes.gif with my sweet Swede 2twins.gif and my bonus-son 10/25/98 carrot.gif

 
 

almadianna is offline  
#17 of 18 Old 01-12-2010, 03:44 PM
 
chickabiddy's Avatar
 
Join Date: Jan 2004
Posts: 3,435
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 23 Post(s)
Quote:
Originally Posted by almadianna View Post
Which is what we have been doing.
Then if it's not working, file a claim with your own insurance company and let them subrogate.

Carseat-checking (CPST) and WAH mama to a twelve-year-old girl.
chickabiddy is online now  
#18 of 18 Old 01-14-2010, 04:35 AM
 
cristeen's Avatar
 
Join Date: Jan 2007
Posts: 14,677
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by chickabiddy View Post
I personally don't favor the above tactic: insurance companies won't and shouldn't be responsible for "guaranteeing" a child's safety if parents choose to reuse crashed seats. Insurance companies are and should be responsible for paying out in accordance with the policy. Check your policy and ask your adjuster to show you exactly what their policy states about replacing carseats. Your carseats do need to be replaced. and if your policy covers carseat replacement, they should pay.
That's the point though. If you tell them that their choice is to sign a contract taking full responsibility or pay for the replacements, they're going to take door #2. No one is suggesting that they reuse the seats, just that they push the issue with the insurance company.

Cristeen ~ Always remembering our stillheart.gif  warrior ~ Our rainbow1284.gif  is 3, how'd that happen?!?! 

We welcomed another rainbow1284.gifstillheart.gif  warrior in May 2012!! 

2012 Decluttering challenge - 575/2012

cristeen is offline  
Reply

User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off