Last month my husband was driving with our 4-year-old when a woman pulled out of a gas station right in front of him. He slammed on his brakes but was unable to stop in time and hit his front bumper into the side of her car. He says that by the time he hit her he was almost stopped so the impact was very low. We got the check from the insurance company yesterday and there was no inclusion for car seats. We're planning to call them and ask about it, but I'm wondering with that low of an impact if it's really necessary. Thoughts? My 4-y-o was restrained in his Nautilus, my 6-y-o's Apex 65 was installed but not in use.