Originally Posted by Country Kids:
Oh one more thing I wanted to post and forgot!'
Parent have two years to come back on a child for an injury.
A child has up until they are 18 years old!
Also, never ever offer to pay anything for a childs injury until a lawyer is contacted. If you offer or pay it is admission of guilt.
Id like to chime in on this if I may. It is 100% Accurate that a child can make a claim up until the age of 18, so make sure your insurance policy is on an occurrence form. The insurance company will pay if its a covered claim during the policy period in which the incident occurred. A Claims-Made form may not pay for these incidents.
As for the offering to pay for the injuries, You want to make sure you have an accident medical policy to pay for these minor injuries. Most of the time as long as the medical bills are taken care of parents can be very understanding. And if they decide to sue you, which they will have the right to do whether or not you admit any guilt, your liability insurance will defend you and pay any claims arising out of the injury if it is a covered loss.