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Child Car Seat Safety

January 28th, 2016 | Posted by Brenda Snow in Auto Insurance - (0 Comments)

A lot of thought and preparation goes into everything you buy for your child. That’s why the child car seat process is so important. While your automobile maintenance may be spotless, accidents do happen, and you want the protection provided by the proper usage of child car seat.

Current Standards

Automobile insurance coverage and child car seat safety can both be costly. While a hand-me-down version can save money, you need to make sure that yours meets all of the Federal motor vehicle guidelines. In addition to the manual, your local law enforcement agency can instruct you on the proper usage of child car seat.

Age Recommendations

In addition to regular automobile maintenance and current Federal standards, your child car safety seat should meet certain age recommendations. Children 12 months and under should be positioned rear-facing and placed in the back seat. Children between the ages of 1 and 3 should also remain rear facing until they’re height and weight cause them to graduate to the forward-facing unit. Children between 4 and 7 years of age should remain in a forward-facing child car seat until they’ve reached the manufacturer limits.

Choose Premium

Choosing a car seat that is less expensive may be better for your budget, but you don’t want to compromise your child’s safety. Try to go premium as they can include additional safety features such as an anti-rebound bar which limits movement in case of an accident.

Take Note of Numbers

Once you’ve made your purchase, write down and save the model, date and manufacturer number. In case of a recall, you’ll have the proper information. It can also come in handy if your automobile insurance coverage will reimburse you for a car seat if yours is damaged during an accident.

Easy to Use

When shopping, do a child car seat safety test run on your baby. This allows you to determine if the straps are easy to adjust, and you can get it into your car without any issues.

Thorough Assessment

Just like any other product, a child car seat can crack or lose parts. Check that it’s in excellent condition before you purchase it. You can also do a thorough assessment as you continue to use it.

Whether you are on your daily commute or during holiday travel, it is always a good idea to have a car emergency kit on hand. There are many different types of kits on the market that include many of the same types of emergency gear. There are also kits that include other items needed to deal with extreme hot and cold temperatures.

 

The most basic kits will often include a first aid kit to tend to any injuries if you sustain an accident. Your automobile insurance coverage may cover your medical bills, but a first aid kit will enable to you render immediate aid while you wait for help to arrive. Booster cables are also a necessity if you end up stranded somewhere with a dead battery. Regular automobile maintenance can help prevent mishaps like this from occurring, but it is always a good idea to have them just in case they are needed.

 

Kits that are designed for cold weather climates often come with items that can keep you warm, like gloves and blankets. Some kits for wet climates come with a rain poncho or tarp to keep things out of the rain. Another good holiday travel safety tip is to keep a bag of cat litter in the trunk of your car, as cat litter can be used for traction if your car gets stuck.

 

Road flares or other reflective devices are also standard inclusions in a car safety kit, so that other drivers on holiday travel will see you if you are stranded on the side of the road. Your automobile insurance coverage may come with roadside assistance, so if you’ve called a tow truck, these reflective devices will help the driver be able to locate you in the dark.

 

Another good holiday travel safety tip is to keep a bottle of water in your car with your safety kit. This could come in handy in the summer months and in hot climates. And, as always, keep your automobile maintenance up to date to lessen your chances of having a mishap on the road.

The holiday season is filled to the brink with shopping from Black Friday through Christmas Eve. Unfortunately, the holiday season is also ripe with identity theft. With all of that credit card swiping, it’s extra important to know the tips to protect your identity.

Pay With Cash

Card skimming is popular during the holidays and skimmers can be attached to credit card readers or ATMs. If you’re able to do some of your shopping with cash, that’s your safest bet. Go into your bank to withdraw money from the teller instead of using the ATM.

Use Your Credit Card

Instead of using your debit card for holiday shopping transactions, use your credit card. You’ll get more protection from your credit card and it won’t pull your own money straight from your account. Most credit cards have full protection from fraud so long as you report it within 90 days. Make sure to read your credit card guidelines carefully before starting your holiday shopping.

Shop Online Safely

Don’t shop online using a public WiFi network, like the one you’d use at a coffee shop. Criminals can access your credit card or bank information if you enter it online. This goes for the transactions you do on your laptop as well as those you do on your mobile devices, like your tablet or phone.

Freeze Your Card

If you think that you may have been hacked, call your credit card company or bank to freeze your card. Just make sure that your automatic payments won’t be affected, like your automobile insurance coverage or your homeowners insurance coverage. It’s a good idea to do all of your shopping with a separate card so that things like your automated utility payments and insurance coverage payments won’t bounce.

Seasonal Maintenance

Many vehicle owners in year-round warm areas such as New Mexico, Florida or Texas avoid winterizing their cars, because they feel it is a waste of time and money. However, this is a bad idea because when someone needs to travel to a different location with a colder climate, they are not prepared. Routine automobile care is vital each season to maintain the engine, brakes and tires to prolong the life span of a vehicle.

Add Fluids

Drivers should verify that the vehicle’s antifreeze is at the appropriate level in its container along with transmission, brake and oil fluids. Occasionally, these fluids require a complete flushing and replacing to protect the vehicle’s engine. Making sure that a vehicle’s tires are filled properly with air and that the windshield wiper blades are in good condition is also important. At the same time, drivers should turn on the vehicle’s heater to make sure it is working.

Insurance Coverage

Many of these automobile care tasks are simple enough for anyone to do at home, but a professional automobile service technician can assist with vehicle maintenance. Drivers living in an area that does not have snow or ice should verify that their automobile insurance coverage is up-to-date for bad weather before traveling. The required amount of insurance coverage varies in each area, so anyone traveling needs to know the local laws.

Safe Driving

Understanding how to drive in rough weather requires practice that drivers in warm climates do not get. An insurance coverage agent may provide written or video tutorials concerning how to drive properly on ice and snow. Some of the things a driver needs to know is to travel at a slower speed, clean windows frequently and avoid sudden stops to prevent sliding on slippery roads.

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