insurance says they can't cover car seats?

[dagmara04]

We were recently in a car accident--I hit a deer head-on, going nearly 60. Airbags didn't deploy but we definitely couldn't drive away.

Our insurance company says that car seats are personal property since they aren't a permanent feature of the car. They say we'd have to claim them through homeowners and obviously we won't hit the deductible on that.

Is that standard?

(I did replace them because I know that's required, I was just wanting to check about being reimbursed).

Amanda

 

[carseatcoach]

It depends on how your policy is written and how generous your adjuster wants to be. Review your policy to see whether carseats are specifically included or excluded.