Originally Posted by daycarediva:
I would NOT offer to pay for it. They have health insurance, it should cover it.
I HIGHLY recommend you get liability insurance ASAP to protect yourself from any future events.
Definitely this. The relatively minor cost of insurance is well worth the peace of mind.
If you paid any part of the deductible, even if the parents didn't come back on you later, the insurance company very well could. They are already questioning the claim and offering to pay anything at all could very well open you up to a claim of liability by the insurance company. Even if they didn't win, the time, effort and expense of dealing with it could leave you in the hole.