Abstract: A versatile poncho preferably for a child is provided. By its unique configuration, the poncho of the present invention allows for convenient and safe use for a child while fastened in a car safety seat. The preferred embodiment of the poncho includes an opening on a moveable panel and includes, under the opening, a flap, such that the moveable panel can be moved over the child's head so that the child may be strapped into a car safety seat more safely and comfortably because the child may be placed directly against the seat and the straps may be placed directly against the child without a bulky winter garment between the seat and the child, and the flap covers a portion of the child to provide thermal protection while being strapped in. A method of using the poncho and of fabricating and assembling the poncho is also disclosed.