Maybe start off by saying that you'd be worried that she (he?) can't breathe. From the looks of the picture (I can see a wee bit of the lips) the baby could very well have breathing problems. His face is buried in those strap covers. So maybe something like this.
"Hey XYZ. I saw your picture of Baby, she is so cute! I hope you are both doing well. I couldn't help but notice that Baby's face is pretty buried in those covers and it makes me nervous. I know that ABC had that same car seat and it came with strap covers, so you shouldn't have to use those, and then her face wouldn't be covered by all the fluff. If you follow this link (
http://www.car-seat.org/showpost.php?p=1327160&postcount=2) you can see a good picture of the covers that I'm talking about, and you can also see that there is some infant padding. If you've lost the infant padding, no worries, you can just roll up blankets on the side, like in this picture (
http://www.car-seat.org/showpost.php?p=1386594&postcount=59). Those pictures also shows a good visual of how tight the harness should be, and where the plastic clip should be (always in line with the armpits). I remember when I had my baby (or met friend's baby, if you don't have kids) and I was so nervous about the whole car-seat thing, so I looked into some things. He is just so so so cute! "
Disclaimer: Those pictures are in a public part of car-seat.org, so the OP would not be out of line to link her friend to them.
Maybe then direct her to this site, but if you do, I'd recommend moving this thread (before you direct her here!) so that she doesn't see this and be embarrassed/offended. :twocents:
This is a tough situation though, so be careful with how you word things.