In California, does the cost of replacing damaged child restraints count against the deductible?
Question by daveowenville: In California, does the cost of replacing damaged child restraints count against the deductible? California has a law on the books that child restraints used during an auto accident must be replaced. According to California Insurance Code 11580.011: "Every policy that provides automobile collision coverage or automobile physical damage coverage, as described in Section 660, shall include a child passenger restraint system within the definition of covered property, if the child passenger restraint system was in use by a child during an accident." A cursory reading of the relevant sections strongly suggests (to us) that the cost of the child restraints apply towards fulfillment of the deductible (that is, if the deductible is $ 500, the damage to the car is $ 400, and the child seat replacement cost is $ 200, the total damage to covered property is $ 600, or $ 100 more than the deductible.) However, our insurance company claims that the cost of replacing the child restraints does NOT count against the deductible. Anyone out there know for certain? Just spoke with the insurance company again, and quoted the letter of the law. After some hemming and hawing, they agreed it counted against the deductible -- so I'm answering my own question, and hopefully it'll help someone else in the future. Best answer:
Question by daveowenville: In California, does the cost of replacing damaged child restraints count against the deductible? California has a law on the books that child restraints used during an auto accident must be replaced. According to California Insurance Code 11580.011: "Every policy that provides automobile collision coverage or automobile physical damage coverage, as described in Section 660, shall include a child passenger restraint system within the definition of covered property, if the child passenger restraint system was in use by a child during an accident." A cursory reading of the relevant sections strongly suggests (to us) that the cost of the child restraints apply towards fulfillment of the deductible (that is, if the deductible is $ 500, the damage to the car is $ 400, and the child seat replacement cost is $ 200, the total damage to covered property is $ 600, or $ 100 more than the deductible.) However, our insurance company claims that the cost of replacing the child restraints does NOT count against the deductible. Anyone out there know for certain? Just spoke with the insurance company again, and quoted the letter of the law. After some hemming and hawing, they agreed it counted against the deductible -- so I'm answering my own question, and hopefully it'll help someone else in the future. Best answer:
Answer by brandiwine72
Thanks for the answer, it's good to know. I was going to say definently YES, but your already on it. Give them an inch and they'll take a mile, Cograts.
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