littlebittykittycat0226 asked:
My daughter broke her arm at daycare. It turns out the lady doesn’t have liability insurance. She refuses responsibility and won’t give me info. Is there a way to find out her homeowners insurance carrier? (This is in KS)
More details, my daughter fell off a swing at the daycares house. First of all ,she is 5 and was left unsupervised. Second, she was swinging on a swing that was too high for her, the seat was about level with her chest. And last but not least, the daycare provider did not have the appropriate insurance, which I have found out is required by this state in order to be a licensed caregiver, so she is in trouble with the state for not having that insurance. I’m guessing an attorney is my only option.
My daughter broke her arm at daycare. It turns out the lady doesn’t have liability insurance. She refuses responsibility and won’t give me info. Is there a way to find out her homeowners insurance carrier? (This is in KS)
More details, my daughter fell off a swing at the daycares house. First of all ,she is 5 and was left unsupervised. Second, she was swinging on a swing that was too high for her, the seat was about level with her chest. And last but not least, the daycare provider did not have the appropriate insurance, which I have found out is required by this state in order to be a licensed caregiver, so she is in trouble with the state for not having that insurance. I’m guessing an attorney is my only option.
{ 3 comments… read them below or add one }
Well unless she has a business attachment to her homeowners they will not pay for any injury done at the home for a daycare. Only covers guest, not customers, she would have had to pay an additonal premuim to have coverage for a buisness on her homeowners.
Next if the day care was at fault just sue her, small claims court will be fine, if she has any insurance, she will turn it over to them, if not, you will win a judgement against her.
Of course there has to be some fault or neglect, if your daughter merely feel or had an accidnet not the daycares fault, they are not really liable for anything
sure, sue her and then you can ask her to identify her carrier …. in some states you may be able to get this kind of information before filing suit
best bet is to call a couple of lawyers and ask … this is the kind of question they probably WILL answer on the phone
but recall the previous advice here … there has to be some fault or you’re not going to recover anything
Your best option would be to file suit against her. Her homeowner’s insurance might pay out in the trial, though that’s unlikely.