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    Personal Insurance Blog

    OEM Parts vs After Market Parts

    Posted by Jane Logan

    Mon, Mar 26, 2018 @ 03:01 PM

    What’s the difference between OEM and After Market Parts?

    • OEM (Original Equipment Manufacturer) parts are “name brand” new parts made by the original manufacturer to meet the specifications of a specific vehicle make and model. Authorized auto dealerships that sell this particular brand of vehicle(s) usually have exclusive distribution rights to sell these parts.
    • After Market (Non-OEM) parts are “generic” new parts made by companies other than the original manufacturer.  Independent auto part stores and independent (not auto dealership) repair shops sell these parts.

     

    Why don’t people want After Market Parts used for repairs?

    Owners believe After Market parts are inferior or less safe than OEM parts.  Independent safety rating organizations such as The Certified Automotive Parts Association (CAPA) and the Insurance Institute for Highway Safety (IIHS) dispute this concern.   If After Market parts weren't as safe as OEM parts, manufacturers would pay the price in product liability lawsuits.  They compete just fine by selling the same quality parts, same specifications, just with lower margins.

     

    Why do insurance companies use After Market Parts for repairs?

    • Parts are easier to get, reducing repair time.
    • Using After Market parts reduces repair costs by 35%, which in 2010 saved $14.08 Billion.
    • Reducing repair costs reduces premium costs that consumers pay.
    • State law either allows or in some cases requires insurance companies to use After Market parts

    Damaged Vehicle for OEM Blog-1.jpg

     

    What gives insurance companies the right to use After Market Parts?

     The laws in each state regulate auto repairs. In Massachusetts, 211 CMR 133 (https://www.mass.gov/lists/211-cmr) requires the use of After Market parts if the damaged part meets the guidelines:

    CMR 133.04: Determination of Damage and Cost of Repair

     (1) Appraisers shall specify that damaged parts be repaired rather than replaced unless: the part is damaged beyond repair, or the cost of repair exceeds the cost of replacement with a part of like kind and quality, or the operational safety of the vehicle might otherwise be impaired. When it is determined that a part must be replaced, a rebuilt, aftermarket or used part of like kind and quality shall be used in the appraisal unless:

    (a) the operational safety of the vehicle might otherwise be impaired;

    (b) reasonable and diligent efforts to locate the appropriate rebuilt, aftermarket or used part have been unsuccessful;

    (c) a new original equipment part of like kind and quality is available and will result in the lowest overall repair cost;

    (d) for vehicles insured under policies written on or before December 31, 2003, the vehicle has been used no more than 15,000 miles unless the pre-accident condition warrants otherwise; or.

    (e) for vehicles insured under policies written or renewed on or after January 1, 2004, the vehicle has been used no more than 20,000 miles unless the pre-accident condition warrants otherwise.

    A part is of like kind and quality when it is of equal or better condition than the pre-accident part.

     

    Are After Market parts really as good and safe as OEM parts?

    The manufacture of After Market parts is regulated and repair shops need to be licensed.  If After Market parts were indeed inferior they would be causing accidents, ultimately increasing costs for insurers.  Using inferior parts isn’t in anyone’s best interest, but using After Market parts is in everyone’s best interest as it increases competition, reduces repair costs, and ultimately lowers insurance premiums.

     

    Is it worth challenging the insurance carrier requiring I use After Market Parts? 

    If State law allows using After Market parts, your insurance company will authorize these for repair.  If a consumer wants to pay for OEM parts on their own, that is, pay the higher margin the manufacturers get for these, most body shops will agree to use them.  Even so, this can delay repairing your vehicle as the claim can become more complicated.  The longer it takes to negotiate the claim, the longer you’re without a vehicle and/or you’re paying for a rental.

     

    I’m still not convinced.  Can I buy OEM coverage?

    Yes!  We represent several companies that offer OEM part coverage for personal vehicles (not yet for business insurance), based on the model year and odometer reading/mileage on your vehicle.   As a rule of thumb, the cost is generally 30%-40% additional to the cost of your collision and comprehensive coverage. 

     

    If you'd like to discuss your personal automobile coverage, call one of the Gordon Atlantic Insurance professionals toll free at (800) 649-3252.  Prefer to type instead of talk? Use the form at the top left of the blog for a return phone call or email.

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    Tags: auto claims, OEM Parts, After Market Parts, OEM Coverage

    Changes at the Massachusetts Registry Regarding Licensing and ID Cards

    Posted by Antonia Clifford

    Mon, Mar 26, 2018 @ 02:11 PM

    Effective March 26, 2018 the Massachusetts Registry of Motor Vehicles will now require documentation showing you have a US citizenship or lawful presence in order to get or renew ANY driver's license, ID card or learner's permit.

    Please be aware this may result in significant wait times leading up to the 26th due to system changes.

    If you are getting or renewing your drivers license, ID card or learner's permit on or after March 26th, the documentation you provide will render you either a Standard license/ID card or a REAL ID license/ID card.  A REAL ID is a federal security standard for identification purposes that will be Passport Pic.pngrequired when flying within the US or entering certain federal buildings after October 2020.  If you don't mind carrying around your valid passport with you, you will never need a REAL ID license/ID card; a Standard license/ID card PLUS passport will be sufficient.  But to be clear, after October 2020 a Standard license/ID card ALONE will NOT be eligible for use as identification when flying or entering certain federal buildings.    

    • If you are a US citizen, a valid, unexpired passport is sufficient documentation.  You may also provide a certified US birth certificate.
    • If you are a permanent resident, a green card is sufficient documentation of lawful presence.
    • If you are not a US citizen you will need to provide valid, verifiable immigration documents PLUS proof that you have been granted a legal stay for at least 12 months.

    When it’s time for your license/ID card renewal, should you wish to get a REAL ID license or ID card you will not be able to renew online but must visit a RMV Service Center.  Standard license or ID card renewals may be completed online at mass.gov/ID.  If you wish to secure a REAL ID license additional documentation will also be required: a link to the RMV Document Checklist is provided here.

    If you have any questions regarding this change, please don't hesitate to call a Gordon Atlantic Insurance professional at 1-800-649-3252.  Prefer to type versus talk?  Click to the left for an emailed response.

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    Tags: Registry of Motor Vehicles, drivers license, REAL ID license, id card, REAL ID

    How does a Homeowners Policy cover water in a basement?

    Posted by Geoffrey Gordon

    Sun, Mar 04, 2018 @ 12:47 PM

    The homeowners policy is limited when you get water in your basement.  Flood insurance, if you have it, will provide some help but is often limited to mechanicals (e.g. heating system).  This article will provide some guidance on available coverages as well as what you can do to reduce damage if your basement gets really wet. 

    sump-pump.jpg

    Your basement is a concrete box stuck in the ground, often below the water table (especially after a big storm), that is designed to keep water out...but it doesn't always succeed.  Water pressure is relentless and often finds its way in, which is why many people who experience wet basements have a sump pump.   A good sump pump will extract water from the lowest point in your basement and pump it outside, away from the house.   But a sump pump doesn't work without power.

    Some homeowners policies have optional limited "sump pump failure" coverage for these circumstances.  Since this insurance is subject to adverse selection (meaning only the people who are especially exposed buy it), it is expensive and limited.  If you don't have sump pump failure coverage and you get water in your basement, your homeowners insurance will be extremely limited.

    flooded-basement.jpg

     

    How does Flood Insurance  from the NFIP handle flooded basements?

    In another example of underwriting against adverse selection (and flood insurance is another example of adverse selection where spread of risk is absent and risk cost is concentrated), NFIP policies do not provide insurance against any property below grade level except for mechanical systems like your heat.  And if your mechanical systems are indeed in your basement, below grade level, the NFIP will charge for this.

     

    What can a homeowner do, absent of insurance?

    Extracting the water from your basement should be your first priority

    1. A wet vac (wet vacuum), available at Home Depot, Lowe's, Walmart, and other big box stores, is a good household item able to safely extract water.  Wet vac what you can and open basement doors and windows to let the high humidity air escape.furniture-on-palette.jpg
    2. Put anything wooden on palettes, blocks of wood or concrete pads to prevent water from seeping into furniture or other property. 
    3. Professional remediation contractors have banks of high capacity fans to get water to evaporate and leave the building quickly.  Use any and all fans you have at your disposal once power is restored and turn up your heat to accelerate the process.

    Water is the enemy in any location that is subgrade.  Fans, wet vacs, squeegies, mops, and/or specialists...use whatever and whomever it takes to get the water up and out.

    To discuss your personal homeowners policy with an insurance professional at Gordon Atlantic Insurance call us at (800) 649-3252.  Prefer to type instead of talk?  Click below.

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    Tags: Water damage

    How does a Homeowners Policy Handle Tree Damage?

    Posted by Geoffrey Gordon

    Sun, Mar 04, 2018 @ 11:29 AM

    Tree damage to your home from big windstorms is absolutely covered under most homeowners policies. The policy covers having the tree removed; damage to the house; and any consequential damage to personal belongings (including damage from the rain that finds its way inside). This can get complicated with needs for cranes or other specialized equipment, roofers, and finish contractors...so getting in line early for these services is always a good step to take.  

    Tree damage that does not hit a structure is usually limited under most homeowners policies. When removal and cleanup are included, there is typically a $500 to $1,500 limit, and it may or may not be subject to your deductible. Contact us or your carrier's service center directly for your personal specifics.

    If a tree hits your home, take pictures and begin necessary repairs. When a tree penetrates a roof, or otherwise breaches the roof or walls, the opening can let water into the house causing additional damage.Don't wait to start on anything that you can safely do yourself, or through qualified service providers. Taking reasonable steps to prevent further damage is covered.   

    If you don't have a landscape contractor in mind who can cut up and clear away the tree debris in your yard, visit our service providers page. Be sure to keep in mind that the costs many of these providers charge goes up when there is a demand surge, such as the couple weeks immediately following a storm. If you're paying out of pocket, you can usually save a few dollars by waiting until after the initial demand is over. 

    To discuss your personal homeowners policy with an insurance professional at Gordon Atlantic Insurance, call us toll free at (800) 649-3252.  Prefer to type instead of talk?  Click below.

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    Tags: tree damage to home

    Get Road Rewards telematics for safer driving

    Posted by Geoffrey Gordon

    Fri, Mar 02, 2018 @ 03:52 PM

    Gordon Atlantic is always interested in promoting safer driving.  I beta tested a new telematics program ('telematics' is a fancy word for electronic monitoring of your driving) offered through our carrier Plymouth Rock.  With the program now launched, using the app earns points which users can redeem for discounts on Shell gasoline, free movie tickets and Starbucks gift cards.   But that's not the main reason I like it.  The main reason is that I have become a better driver.

    Here's how the program works:

    Road Rewards Pic.png

    Plymouth Rock Road Rewards measures your driving performance and provides a score measuring speed, acceleration, braking, cornering, and phone usage. The better you drive the higher your score...and the more points you earn.  It costs nothing to participate in the program, but you must be a Plymouth Rock Massachusetts customer and have access to a smartphone to earn rewards.

    At its launch, there are three existing partners:

    • Shell gas: where I could earn $1.00 a gallon off my next fill-up
    • Starbucks: where I can redeem points for coffee vouchers
    • Showcase Cinema tickets: where I can view the latest Oscar-nominated movie 

    As someone who isn't too fond of "Big Brother," I'm pleased to know that Plymouth Rock is not collecting sensitive personal information off this app, and there are data security measures in place to respect my privacy. My driving habits as measured by this app will also NOT be used relative to any automobile claim I might be involved in.  Further, my score will not be used to affect my premium, as telematics programs with other carriers do.  There's no downside!

    The Road Rewards app tracks through your smartphone and whatever vehicle that phone is in; having multiple vehicles won't affect your score.  You don't need to drive everyday, as scores only measure actual driving.  Data usage is minimal and you can have data uploaded only when connected to wifi in settings if you watch data usage. 

    Road Rewards Pic 2.jpg

    For parents: Imagine how this could impact your kids' driving habits. Have them download the app and remind them you'll be reviewing their score periodically... like whenever they ask for the keys!.  As the app recognizes phone use, such as answering a phone call or sending a text, you can see in the "Trips" section each trip in detail and where there are areas for improvement...such as not texting while driving, the most dangerous habit many kids seem to believe they are immune from.  

    It also utilizes GPS to track location in order to monitor trips and adherence to local speed limits; this is when I like the phone to verify if new drivers were where they said they were.  Parents: this app puts you in the back seat of the car...virtually.

    So here's the math: the safer you drive the better your score. The better your score the more points you earn.  It's that simple.

    Let me circle back to my earlier comment about the best part of this program.  Since using this app my driving has indeed changed. It has raised my awareness about phone usage (only on bluetooth now, never by hand) and no texting.  I slow down earlier for stopped traffic to avoid any hard braking and I pay closer attention to my speed.  This app has made me a safer driver, and I'm reminded of that every time I review the app's feedback and monitor my score.   

    AND I earn free coffee at Starbucks, free movies at Showcase Cinemas, and discounts on gas...that's pretty rewarding.

    Update: Mapfre (Commerce) is another carrier which has introduced a telematics program.  While their rewards are different, the net effect, better driving, parental monitoring, is the same.

    If you'd like to discuss your personal auto insurance with a Gordon Atlantic professional, and to see if Plymouth Rock and their Road Rewards program (of Mapfre's DriveAdvisor) might be a fit for you, call us at (800) 649-3252.  Prefer to type instead of talk?  Ask a question below or click for an obligation-free quote! 

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    2018 Government Shutdown and NFIP (Flood insurance)

    Posted by Stephanie O'Neill

    Mon, Jan 22, 2018 @ 02:57 PM

    Homeowners that are required to have a flood policy with the National Flood Insurance Program (NFIP) may be affected by the current government shutdown that began on January 20, 2018 depending on when your policy - or a pending closing - is effective.

    If your flood policy renewed prior to the expiration of the program (December 23rd) and you have paid your renewal, then your policy remains in force. Those who did not pay their renewal premium before or within the 30-day grace period may run the risk of not having coverage, loss of grandfathering and other penalties.

    If you are purchasing a new house or property within a flood zone, you'll need a flood policy.

    flood_pic.jpg

     If you have a sale pending, the application and payment must have been received and dated before the flood program expired (January 20) for the policy to be issued. This is also the case for closing dates after January 20th.

    However, if you have a pending closing and have not submitted the application and payment, your closing will probably be delayed until the government re-authorizes the National Flood Insurance Program, or unless you choose a private flood insurance carrier such as offered at Gordon Atlantic Insurance.  See our article on private flood insurance options here.

    How will claims be handled? Policies that are in force before midnight of the last effective day of authorization will remain in force until their expiration date and claims under those policies will be processed and paid as usual. Claims for covered losses occurring during a lapse, on existing policies and on policies in force after the last effective day of authorization, are to be processed and paid as usual.

    FEMA will notify NFIP stakeholders when the program has been reauthorized.  Naturally if we can help with NFIP placement or with a private policy, just contact us.

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    Tags: national flood program, Flood, nfip, flood insurance

    What is premium fraud?  Or, is garaging location important for insurance?

    Posted by Geoffrey Gordon

    Wed, Sep 20, 2017 @ 09:57 AM

    Premium fraud refers to misstatements on an insurance application to reduce the cost of insurance.  When premium fraud is discovered by an insurance carrier, they may not pay a claim.

    We understand that everyone wants to reduce the cost of their insurance, but making intentional misstatements to manage the cost is risky, and defeats the purpose of the whole effort.

    Here's how it might play out, innocently:  Young adult from the suburbs gets a place in town with a friend or two, buys a car, then hears that insurance in the city is a lot more expensive.  "Just say you're still living at home!"   The problem is the "Just say..."

    Remember that an insurance policy is a contract. Parties enter into contracts with assumptions that relevant information is available prior to each party entering.  If one party (the insurance buyer) makes a "material misrepresentation" while entering the contract, the other party (the insurance company) has grounds for not having to be held to their obligations. (reminder / disclosure - we are not attorneys; do not construe this as legal advice or opinion). What does this mean for insurance?

    The most common occurrence of "material misrepresentation" in retail insurance is the scenario described above with the young adult - garaging location, or where your car spends the night.  Everyone knows that it costs more to insure the same car with the same driver in an urban environment like Boston than it costs in a suburban one. The difference is significant; up to twice as costly from Cape Cod, for example, to Boston.

    Here's the rub:  let's assume you are living in Boston and have a collision or comprehensive (vandalism, theft, or other non-moving damage) claim.   If the claim occurs in Boston, but the policy shows a less expensive garaging address, the insurance company will often investigate. After all, if they can show that the owner is living in the city, they might not have to pay the claim.

    Every insurance company has an investigation team, commonly called the SIU (Special Investigation Unit).  They are good at what they do, and with big data, their job is getting easier. Initial efforts may begin with a quick Google name search: we have seen reports where participants in athletic events, such as a road race, show their hometown as Boston. There are plenty of other publicly available places online providing clues or outright evidence of where you are living. Then the real investigation begins to prove premium fraud…. which may allow the insurance company to walk.

    If an insurance company can demonstrate the contract was entered into fraudulently, for example, by saying you live in the 'burbs when you live in town, their obligation is limited to provide compulsory coverage only: state minimum limits for property damage ($5,000), bodily injury, ($20,000/$40,000), and no collision or comprehensive coverage.  

    Providing false information to manage your insurance costs can be not only risky, but extremely counterproductive.

    There are plenty of other ways to reduce the cost of your insurance. Just give our office a call toll free at 800-649-3252 and we'll work with you to lower the cost of your insurance while making sure it will be there when you need it.  Prefer to type versus talk?  Click on the top left of this blog.

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    Tags: Premium Fraud, Claim denial, False Garaging

    Reasons for a Personal Injury Endorsement on Your Homeowners Policy!

    Posted by Gordon Atlantic Staff

    Thu, Jul 13, 2017 @ 04:50 PM

    What does Personal Injury mean?

    Personal Injury Blog Insurance Norwell MA.jpg

    Definition of “Personal Injury” means injury arising out of one or more of the following offenses:

    • False arrest, detention or imprisonment;
    • Malicious prosecution;
    • Wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor
    • Oral or written publication of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products; or
    • An oral or written publication of material that violates a person’s right of privacy.

    Personal injury must be done to someone else.

    With social media, websites and blogs, anywhere that you could say or write anything about someone else, or a business, there is such a greater chance of your being sued.

    Your basic homeowner policy does neither provide this coverage, NOR more importantly does not provide the defense cost associated with being sued.

    For less than $100 a year, you could add this protection to your homeowner policy.

    Please call us today to see if you have this coverage, or if it is something that we need to add to your policy.

    To find out more about a Personal Injury Endorsement, call us at (781) 659-2262 or fill out our Request a Quote page.

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    Prevent Tax Fraud

    Posted by Natalie DiCecca

    Thu, Mar 16, 2017 @ 06:12 PM

    Tax-Related Fraud is on the Rise

    Tax related fraud is on the rise and takes many forms.  Fraudulent filing is one, where a false (under-reported income) return generates a check from the IRS that is mailed to a “new” address;  identity thieves may sell your stolen social security number and personal information to those with poor credit to get credit cards to use illegally; and to illegal workers, who use your information to apply for a job, then report earnings under your name, flagging your return for failing to report income.  The list of scams is as broad as the imagination of people wanting your financial identity.

    Filing early can bring the identity theft to light sooner than later, minimizing the time and damages associated with resolving the theft.

    Help Protect Your Identity When Filing Taxes

    With the tax season in full swing, it is important to be extra vigilant about how you share personal information. In addition to filing early, there are other ways to help reduce your risk of becoming a victim of identity theft this tax season. If filing offline, make sure not to leave any tax forms in the car and to shred any paperwork you do not need before throwing out.

    If filing online, be suspicious of emails claiming to be from the IRS, even if the email has the appropriate logos. According to the IRS website, the IRS does not reach out to taxpayers for personal information unless there is an issue. Also, log off completely when finished with each transaction and be wary of slow-running computers. However you choose to file, request your refund as a direct deposit so criminals cannot have it redirected to their address or steal it from your mailbox. 

    For More IRS Scams, visit https://www.irs.gov/uac/tax-scams-consumer-alerts

     

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    Tags: IRS Fraud, Tax Fraud

    Car Safety Seats: Is Your Child Safe?

    Posted by Gordon Atlantic Insurance

    Mon, Feb 27, 2017 @ 12:09 PM

    Keep your children safe in proper car seats and with auto from andrew gordon in insurance norwell maOne of the most underrated topics in Auto safety is child safety, especially in regard to car seats. Before you even begin to read about safety tips, be sure you are following the two foundational axioms of Car Seat Safety:

    1. Children are almost always safer when in the back than in the front.
    2. Children MUST be in a car seat appropriate for their HEIGHT and WEIGHT.

    Using a car seat correctly is one of the best ways to prevent injury to your child. However, incorrect usage is very common, and even a minor mistake in how the seat is used can translate to serious injury in the event of an accident.

    (List courtesy of the insurance information institute)

    1. Never put an infant in the front seat of a vehicle with a passenger air bag.
    2. Route harness straps in lower slots at or below shoulder level.
    3. Keep harness straps snug and fasten the clip at armpit level.
    4. Make sure the straps lie flat and are not twisted.
    5. Dress your baby in clothes that allow the straps to go between the legs. Adjust the straps to allow for the thickness of your child’s clothes. Do not use bulky clothes that could increase slack in a crash.
    6. To keep your newborn from slouching, pad the sides of the seat and between the child’s legs with rolled up diapers or receiving blankets.
    7. Put the car seat carrying handle down when in the car.
    8. Infants must ride in the back seat facing the rear of the car. This offers the best protection for your infant’s neck.
    9. Recline the rear-facing seat at a 45-degree angle. If your child’s head flops forward, the seat may not have reclined enough. Tilt the seat back until it is level by wedging firm padding such as a rolled towel, under the front of the base of the seat.
    10. All new car seats are now required to come equipped with top tether straps. A tether strap is a belt that is attached to the car seat and bolted to the window ledge or the floor of the car. They give extra protection and keep the car seat from being thrown forward in a crash. Tether kits are also available for most older car seats. Check with the manufacturer to find out how to get a top tether for your seat. Install it according to instructions. The tether strap may help make some seats that are difficult to install fit more tightly.

    Protect your childrens lives with proper car seating and auto from andrew gordon inc norwell maDo not use a car seat if any of the following apply:

    1. It is too old. Look on the label for the date it was made. If made before January 1981, the seat may not meet strict safety standards and its parts are too old to be safe. Some manufacturers recommend using seats for only 6 years.
    2. It does not have a label with the date of manufacture and model number. Without these, you cannot check on recalls.
    3. It has been in a crash. If so, it may have been weakened and should not be used, even if it looks all right.
    4. It does not come with instructions. You need the instructions to know how to install and use the car seat properly. Do not rely on the former owner’s instructions. Get a copy of the manual from the manufacturer.
    5. It has cracks in the frame of the seat.
    6. It is missing parts. Used seats often come without important parts. Check with the manufacturer to make sure you can get the right parts.

    To find out if your child safety seat has been recalled, you can call the Auto Safety Hotline ( 888-DASH-2-DOT ). If the seat has been recalled, be sure to follow the instructions for the recall or to get the necessary parts. You should also get a registration card for future recall notices from the Hotline.

    When to switch your child to a regular seatbelt:

    Keep your child in a car seat for as long as possible. When he or she is big enough, make sure that seat belts in your car fit your child correctly. The shoulder belt should lie across the shoulder, not the neck or throat. The lap belt must be low and flat across the hips, not the stomach. The child’s knees should bend easily over the edge of the vehicle seat. Seat belts are made for adults. If the seat belt does not fit your child correctly, he or she should stay in a booster seat until the belt fits.

    Never tuck the shoulder belt under the child’s arm or behind his or her back and use lap belts only as a last resort. Try to get a lap-shoulder belt installed in your car if it doesn’t already have one. If you must use a lap belt, make sure it is worn tight and low on the hips, not across the stomach.

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    Corbin Foucart

    Tags: auto, safety, insurance, infant, air bag, child, seat, booster, belt, car, tips, injury, baby

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