Insurance

Children and Car Safety

Child in car seat

With all the known risks associated with driving it has become almost second nature to buckle up when getting behind the wheel. Children on the other hand do not have this same instinct and therefore rely on our knowledge in order to insure their safety while in the car.

Do You Know the Facts?

It may be surprising to learn that the leading cause of death of children between the ages of 0-9 is traffic accidents¹. According to Transport Canada 10,000 children under the age of 12 are injured in traffic accidents every year, which is the direct result of over 90% of car seats being installed improperly¹.

Overall, children using seat belts instead of safety seats are 3.5 more likely to suffer significant injury, and four times more likely to suffer from a head injury¹. Essentially, by using a child seat or booster seat in the appropriate manner caregivers can reduce the chances of a child being killed or injured in an automobile accident by 75%.

Meeting the Requirements

According to government regulations and the Highway Traffic Act a child is required to sit in a booster seat if they weigh between 40-80 lbs with a standing height of less than 4'10" inches or a maximum age of 8 years¹. This regulation also applies to other caregivers such as grandparents or babysitters who must outfit their with a car seat or booster seat if the child does not exceed the above requirements

Buckle Up Basics

You don't have to chain your child down to insure their car safety all it takes is a few extra precautions and the appropriate safety seat to make every car trip a safe trip.

For example, instead of having your child sit in the front seat, have them sit in the back seat, more specifically in the middle back seat, to reduce the likelihood of being injured in a collision. When using a car seat for your child make sure the seat is secured properly and that your child is fastened in correctly. If your child has outgrown their car seat but is not big enough for a seat belt a booster seat is a great alternative.

Most importantly, you can ensure the safety of your family with a reliable automobile insurance provider. Many insurance companies cover the basics when it comes to automobile insurance, but try and look for insurance coverage that goes the extra mile. CAA Automotive Insurance for example will not only cover damage to your vehicle but they will also replace your child's car seat if damaged in an accident to guarantee the ongoing protection of your child.

¹ “Child Restraint Systems” Traffic News released by The Peel Regional Police.

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