Daycare.com Forum

Go Back   Daycare.com Forum > Daycare Insurance

Daycare Insurance Discuss your insurance and liability concerns here.

Reply
 
Thread Tools Display Modes
  #1  
Old 07-26-2011, 12:58 PM
gkids09's Avatar
gkids09 gkids09 is offline
Daycare.com Member
 
Join Date: Feb 2010
Location: USA
Posts: 319
Default Not Really Off Topic, But.....

I'd rather nobody accidentally come across it, just in case.

A child at my daycare fell outside (while walking, not doing anything unusual), and ended up having to get two stitches in his hand.

His parents seem totally fine, even went so far as to tell me the child is just too clumsy for his own good. I have insurance, but was wondering, am I supposed to offer it, or do I just sit back and wait until they ask me to pay for it??

I've never had anyone get hurt here that needed more than a band-aid, so I don't know what to expect. Do you think the parents REALLY think it's not a big deal, or are they making me think that and then going to throw it all on me?? The kid came back the next day, so it seems like they DON'T think it's much of a deal, but I'm a bit of a worrier...
Reply With Quote
  #2  
Old 07-26-2011, 01:09 PM
sahm1225's Avatar
sahm1225 sahm1225 is online now
Advanced Daycare.com Member
 
Join Date: Jun 2010
Location: Midwest - where winter never ends!
Posts: 1,644
Default

I had a kid fall and knock out his tooth. I offered the insurance and I ended up just paying for the dentist visit ($75) instead of filing a claim.

Do the parents know you have insurance? I'm not sure if I would offer it since it's already happened and the parents said it wasn't a big deal, but I would like to see what other providers think.

When my son was in daycare, I thought any injuries were just part of growing up. He was a toddler so he came home with lots of bump and bruises (nothing major though), but I think being a parent I would just foot the bill and not even think of asking the daycare to pay for it.
Reply With Quote
  #3  
Old 07-26-2011, 01:37 PM
KEG123's Avatar
KEG123 KEG123 is offline
Where Children Grow
 
Join Date: Nov 2010
Location: Illinois
Posts: 1,254
Default

I probably would not unless they asked. Kids are clumsy, parents know that.
Reply With Quote
  #4  
Old 07-26-2011, 01:59 PM
gkids09's Avatar
gkids09 gkids09 is offline
Daycare.com Member
 
Join Date: Feb 2010
Location: USA
Posts: 319
Default

Thanks so much!!

I am not sure if they know I have insurance or not, but I'm sure they probably assume I do...

I think I'll just wait and see if they say anything else. Stitches come out in a week, so they may be waiting on that! ha!
Reply With Quote
  #5  
Old 07-26-2011, 02:24 PM
daycare's Avatar
daycare daycare is offline
Advanced Daycare.com Moderator
 
Join Date: Feb 2011
Location: Mars
Posts: 16,021
Default

Quote:
Originally Posted by gkids09 View Post
Thanks so much!!

I am not sure if they know I have insurance or not, but I'm sure they probably assume I do...

I think I'll just wait and see if they say anything else. Stitches come out in a week, so they may be waiting on that! ha!
you should check with your insurance how to claim a child when something happens.

With my insurance if the family does one little thing with thier insurance, or doctor, my insurance will not cover it. In order for my insurance to cover it, I have to contact them right away and let them know. The insucance will require that they use their services, not the families.... So in this case, it would be too late for the family to come back and ask me to cover it....they all know that this is the way that it works....
Reply With Quote
  #6  
Old 07-26-2011, 03:11 PM
youretooloud's Avatar
youretooloud youretooloud is offline
Advanced Daycare.com Member
 
Join Date: Mar 2011
Location: The desert.
Posts: 1,958
Default

My daughter broke her elbow on the monkey bars at school. I had my own insurance.... and, she's my kid, so I paid for it. It never occurred to me to ask the school to pay.

SHe was bitten by a dog at her friend's house. I paid.

She got a cut over her eye on a trampoline at a friend's house. I paid.

It's the price of having kids. Our kids get hurt, and unless it's a neglect situation, or something dangerous, I wouldn't expect someone else to pay for my kid's bumps and bruises.

One time though, one of my daycare kids was walking down the sidewalk and a construction worker had backed his truck up, and put down the tailgate over the sidewalk and he walked into it and needed 13 stitches... I think his Mom made the company pay for that, but that was more because she was mad at the idiot for doing something like that.

I think most parents just assume "My kid, my problem", not "wow.. who can I get to pay for this?".
Reply With Quote
  #7  
Old 07-26-2011, 03:35 PM
grandmom's Avatar
grandmom grandmom is offline
Daycare.com Member
 
Join Date: Mar 2010
Posts: 722
Default

Don't offer.

Do make a written note in a file about their statement.

Make sure your policy says something about children get hurt, etc., etc., and that parents are expected to provide adequate insurance coverage.
Reply With Quote
Reply

Tags
injury, insurance

Thread Tools
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Topic About A Custody Management App. For Divorced Parents bbrugnon New Members - Welcome to the Daycare.com Forum! 0 07-23-2012 04:05 AM
Off Topic - need advise sahm2three Daycare Center and Family Home Forum 7 07-12-2012 10:07 AM
Off Topic: Healing Thoughts, Please SilverSabre25 Daycare Center and Family Home Forum 26 12-01-2010 10:32 AM
Further BF topic.... AnythingsPossible Daycare Center and Family Home Forum 6 10-27-2010 12:01 PM
Off Topic: Any Child Support Experts Out There? legomom922 Daycare Center and Family Home Forum 13 10-16-2010 11:18 AM


All times are GMT -7. The time now is 04:59 PM.



Daycare.com         Find A Daycare         List Your Daycare         Toys & Products                 About Us

Daycare.com
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming