Coverage for child car seats
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- Published on Wednesday, 14 December 2011 18:37
Florida Statutes, Section 316.613 requires the use of child restraint devices (car seats) for children of specified ages and height/weight.
Does a standard Florida auto policy provide coverage for damage to child restraint (car) seats? Historically, child restraint seats have been viewed as personal property and coverage is generally provided in the homeowner’s policy. The function and design of child restraint seats have significantly evolved in the past decades. State specific motor vehicle traffic laws as well as Federal regulations require the use of child restraint seats when transporting infants and children under certain size and age group. Does this mean, however, that car seats are covered by an automobile insurance policy when damaged in a collision?
Physical Damage Coverages (Collision and/ or Comprehensive):
The Physical Damage coverage in the typical auto policy covers “direct and accidental loss to your covered auto or any non-owned auto, including their equipment.”
2012 Florida PIP Senate and House Bills
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- Published on Thursday, 17 November 2011 16:36
UPDATE: Florida No Fault (PIP) Act legislation filed before the January 10, 2012 regular session of the Florida Legislature.
House Bill 119, the “Comprehensive Insurance Fraud Investigation and Prevention Act”, was introduced September 15, 2011 by Representative Jim Boyd (Republican, Manatee County, District 68; current member of the Florida Association of Insurance Agents, Manatee County Independent Insurance Agents Association and member of the Manatee Memorial Hospital Board of Governors). The Bill is now before the Insurance & Banking Subcommittee for review.
