George has a personal auto policy that provides the following coverages: liability coverage $100,000/$300,000/$50,000, $5,000 medical payments coverage, $25,000/$50,000 uninsured motorists coverage, $200 deductible for a collision loss, and a $50 deductible for an other-than-collision loss. With respect to each of the following situations, indicate whether or not the losses are covered, and if possible, the dollar amounts that would be paid by the insurance company. Assume that each situation is a separate event. Clearly identify what section of the policy is controlling and why the event is either covered or not covered.

George's mother borrows his car to go to McDonalds. she spills hot coffee on herself and the car seat as she is pulling away from the pick up window. Her emergency room bills total $1600. the car seat will cost $400 to clean?