Will Car Insurance Cover Car Seat?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Car insurance will, for the most part, cover for physical loss or damage to your car for a fairly wide rage of causes.  This is, however, for the most part limited to the car as it came off the manufacturer's line including any components that are permanently installed.  So, if your car has a car seat that was permanently installed by the manufacturer, then it would be covered as part of the car.  If, however, as in most cases, it is portable and installed by use of the belt system, then the car policy would provide no coverage.  You would, however find coverage for it as personal property under your Homeowners, Condo Unit Owners' or Rental Insurance policy.

   Answered on June 17, 2014

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