It depends on the vehicle I had or it would be in.
Virtually no safety features? poor crash test ratings? Yeah, I'd import.
Top safety pick vehicle? Kid over 3? No, I probably wouldn't.
I'd love to import for ds to use in my moms car, but it's not something I can afford now.
WHO cares, really, if insurance doesn't replace? REALLY?? I'd choose an alive and not disabled child AND be out $500 ANY DAY over the alternative, but this is where it's a combination of factors too. A vehicle with high safety ratings isn't going to cause the same damage to a child as a vehicle with poor safety ratings.
My van has high safety ratings, I don't worry about my 4YO forward facing in it. My mom's car and my H's car - not as good safety ratings and I'd love him to RF outboard with dd center in both vehicles. I can't afford to import though, and I don't know if ds would fit in the My Ride, and even if he did, if he would growth spurt and outgrow it in 3 months...