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Insurance Coverage Q&A: Child Safety Seats - Are they Auto Equipment or Personal Property?

Are child safety seats auto equipment or personal property?

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Do you have any information regarding child safety restraint seats (car seats) and whether they are considered equipment of “your covered auto”? I am interested, as some argue that car seats are equipment (undefined term in personal auto policy) of “your covered auto” and should be covered by the personal auto policy when “your covered auto” is involved in a collision and the car seat is inside.

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