car seat accident insurance

Car Seat damage falls under deductible???

I had an accident two days ago, nothing terrible but both of my children were in the car. The insurance adjuster told me the car seats fall underneath my collision deductible? Since the seats are not a fixed part of my car I don’t know why it would fall underneath that…are they wrong?

Not exactly: depends upon the value of the damage done to the car + the value of the car seats vs. how much your deductible is. If there’s a $500 deductible and $1200 of damage + $300 in car seats (to replace them) then you’d pay $500 and they’d pay $1000. Most likely they’d pay the $1000 directly to a shop, too, and not to you the individual. So yes, you’d need to buy more seats on your own. However: was the accident YOUR fault or someone else’s? If it was the other guy’s fault, then the whole question doesn’t matter as it is HIS insurance that should pay to replace your car seats.

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