Crosswords0 min ago
Seatbelt laws
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* Everybody must wear a seatbelt if one is fitted.
* The driver is responsible for making sure children under 14 are safely restrained.
* You MUST NOT carry an unrestrained child in the front of the car.
* Children under 3 years, travelling in the front, MUST wear an appropriate child restraint. You MUST NOT use the adult seatbelt.
* If you get involved in a crash not wearing a seatbelt, you could be disqualified from an insurance award.
The driver takes responsibity for everyone in their car except passengers over the age of 14 who take their own responsibility. An insurance company may not make a pay out for 3rd Party Injury if you have not made sure your 3 year old passenger is adequately restrained. Any cost claims (I know it isn't really about money) therefore would be down to you.
Additionally, if you are rear-ended then it is the following vehicle's fault with no exceptions. The law and highway code are clear on this, they should have sufficient gap between themselves and yourself so if you have to stop in an emergency they should have left sufficient room to stop safely too.
It is utterly irresponsible of your passenger to allow the child to unbelt itself. She has a duty of care (being the parent) to make the child behave so it does not hinder your driving, let alone the child's own safety. Make your passenger sit in the back and control the child. Or, explain that "your insurance Co will not cover passengers if they are not belted up and might even jeopardise the car's cover" This is certainly the case with loose cats and dogs!