Having insurance coverage as an additional rider or increasing your liability to transport daycare children sounds logical and makes sense, HOWEVER, it does not cover you in the event of an accident should parents decide to sue you in a civil court in the event of an accident. You can still be sued and still be held responsible in an accident. I have decided not to transport children in my vehicle for that reason. You can have a great relationship with your parents that could turn very ugly if their children are injured while in your vehicle. Just a personal choice.

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