Children and Auto Accidents – Are seat belts to blame?

UPDATED: Jul 14, 2025

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UPDATED: Jul 14, 2025Fact Checked

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Alexandra Arcand

Insurance and Finance Writer

Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...

Insurance and Finance Writer

Eric Stauffer

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Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Jul 14, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jul 14, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jul 14, 2025Fact Checked

“Nearly 500 children between the ages of five and nine are killed each year in auto accidents, and over 100,000 are injured due to improper seat belt use,” says Judith Lee Stone, president for Advocates for Highway Safety.

Statistics

Statistics from the Advocates for Highway Safety, a nonprofit highway safety group, and the Child Passenger Safety Study, a joint venture among State Farm Mutual Automobile Insurance Co., the Children’s Hospital of Philadelphia, and the University of Pennsylvania, show that children under the age of 10 are most susceptible to injury in car accidents because they are wearing adult seat belts when they should in fact still be in child safety seats.

The Child Passenger Safety Study found that more than 80% of children between the ages of four and eight are properly restrained. However, 40% of children between the ages of one and two and 20% of children between the ages of nine and 15 are not properly restrained. “With these kinds of statistics, something needs to be done,” notes Stone.

A Call for Change!

Stone believes there should be state and federal requirements on the use of booster seats, which provide a “platform” that lifts the child up from the seat and allows the seatbelt to fit properly. This would allow children who are too big for toddler restraints, but too small for adult safety belts, to ride safely. Washington, Arkansas and California have already implemented a booster seat law, requiring children under the age of six or 60 pounds, to use a booster seat. “Fifteen to twenty other states are considering the same act,” says Stone.

Tim Hurd, a spokesperson for the National Highway Traffic Safety Administration (NHTSA) says that the Transportation Recall Enhancement, Accountability, and Documentation (TREAD) Act, enacted on November 1, 2000, addresses the need for booster seats. He believes booster seats are the primary way to curb death and injuries for those in the four-to-eight year old age group.

Insurance.com’s website contains many useful and informative articles on auto safety, and also provides a great way to comparison shop for auto insurance. Insurance.com’s auto insurance comparison application enables you to evaluate multiple rates from top insurance providers—helping you find the best and cheapest auto insurance coverage for your budget.

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Source: Insurance.com

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Alexandra Arcand

Insurance and Finance Writer

Alexandra Arcand is an outreach administrator and insurance expert located in North Central Ohio. She has a passion for writing, investing, and education. As an insurance content writer for over three years, Alexandra has first-hand experience in business finance, economics, and real estate. She leads an outreach writing team that specializes in travel, real estate, healthcare, law, finance, an...

Insurance and Finance Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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