Chris,

If you really care about the insurance issue ask your insurance company.
They will be making the decision - not someone on Usenet. Many exotic
arguments could be made but if real money is possibly involved why
speculate?

Daniel

"Chris" wrote in message
hlink.net...
This has been asked quite often, but I still didn't find a satifectory
answer. So what are the legal constrins to pack 5 people in a C-182?
I read one can do that with a fifth seatbelt. What if there are only four
seatbelts and installing a fith is not an option - can a baby sit on one's
lap legally? What's about insurance?

Thanks
Chris