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Who is Financially Responsible when a Car Seat is Broken During a Car Accident?

In auto collisions, there are damages that extend beyond vehicle repair. If you have been in an accident that was not your fault and your car gets totaled, you will be reimbursed for the damages. But what happens when there are high monetary damages that go beyond the cost of your car?

In most collisions, there are three types of damages. The first category is damage is the physical harm to passengers and the driver. The second is the actual vehicle, with the third covering the property inside the car.

Despite the three levels of monetary damage, insurance adjusters will often only offer the costs for the car. For instance, if the car is totaled, they have to cut a check for the value of the car, according to the book of car values they use. When the car can be fixed, they will cover the costs of maintenance.

It is not likely an adjuster will offer to fix property or cover the damages in a car accident. However, personal items of value can be sought after. Most common of these items are child safety seats and boosters. This is because the National Highway Transportation Safety Board recommends these seats to be replaced after a moderate or severe crash, even when they are technically undamaged. This is the ensure children maintain a high level of crash protection.

The cost of replacing car seats can be steep, with many costing a few to several hundred dollars. An insurance adjuster’s job is to ensure the insurance company pays the lowest amount possible after an accident. As such, the adjuster won’t be upfront with your rights, no matter how kind or helpful they seem.

It is within your rights to have car seats replaced when they are broken during an accident. Not only is it personal property damage, which is covered, but the NHTS Board requires you to replace them following an accident.

If you have suffered damages after a car accident, we can help. At Jonathan Personal Injury Lawyers, our team of Connecticut car accident lawyers understand the law and will put our experience to work protecting your rights. Contact us online or give us a call today to find out more.