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I'm a registered user, just logged out for privacy. A few months back I had a child who was injured while in my care. Parents were understanding that accidents happen. They have their own medical insurance, but I'm sure they will have an out of pocket cost (deductible etc). They haven't mentioned anything, but I'm wondering if I should offer to make a claim (for the amt not covered) under my liability coverage. WWYD?
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My contract states that I do everything humanly possible to make sure that the child is safe through supervision and child proofing and that if the child is injured despite my efforts and requires medical care, the parent is responsible for payments.
I am going to assume that the child was NOT hurt due to negligence on your part, and that you have already made any changes necessary to ensure that type of accident doesn't happen again (provided it was something that could have remotely been preventable - there are such things as a "true" accident) So I would NOT offer, particularly if the parents have kept their child in your care, and have moved on. I think offering payment gives the impression of guilt, and it opens the door to all types of claims by other clients.
That said, if you still feel you need to offer something, pay the co-pays in CASH, do not involve your insurance! NEVER EVER use liability insurance for anything other than catastrophic injuries (just like you wouldn't file a claim on your homeowner's insurance for a broken window in your home...) because your premium will go up and they will drop you the second they are able - leaving you uninsured if/when something truly awful happens.
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