Why would someone cut the straps on a child's car seat?

Why would an insurance company tell someone to cut the straps on a child's car seat? I saw my neighbor put a car seat in the trash, and she said her claims adjuster told her to do that.

Answer
As counterintuitive as it may seem, cutting the straps is for safety!
Was your neighbor recently in a car accident? If so, that is why she cut the straps and threw out the car seat. Even if it was a minor fender bender and your child wasn’t in the car, there could be some invisible internal damage to the seat.
Since car seats are so expensive, people tend to pick them up from the curb. Cutting the straps disincentivizes strangers from taking home a damaged seat and putting their children in danger.
If a car seat is involved in an accident, most car insurance companies will reimburse you for the cost of a new one. This is a great benefit to have, and if you find out your insurance company doesn’t offer car seat replacement, it is time to look for one that does!
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Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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