Accident That Required Stitches

[Cat Herder]

I'm not licensed. I can have 4 children not related in my care, so not real sure what I'm supposed to be doing.

OK, so the ball will be with either the Mother or the ER doctor/Charge Nurse (some will deem this reportable, others won't depending on age).

If the ER reports, you may have a visit from Child Services. Don't be scared, they are much more realistic and understanding than childcare licensing. They see REAL crimes, they may lecture some, give a bit of stink eye and leave you with a number to call if you ever need them.

It could simply end with Mom asking what you plan to do to prevent it in the future, have a workable plan and be humble. Most people feed off a defensive stance, especially someone who just held down their kid while they were getting stitches.. Warning: Don't blame the kid. That ship has sailed and will go badly.

In the end everyone knows it was not purposeful. The rest is simply about who is out some $$$ Lesson learned. :hug:

[Tdhmom]

OK, so the ball will be with either the Mother or the ER doctor/Charge Nurse (some will deem this reportable, others won't depending on age).

If the ER reports, you may have a visit from Child Services. Don't be scared, they are much more realistic and understanding than childcare licensing. They see REAL crimes, they may lecture some, give a bit of sink eye and leave you with a number to call if you ever need them.

It could simply end with Mom asking what you plan to do to prevent it in the future, have a workable plan and be humble. Most people feed off a defensive stance, especially someone who just held down their kid while they were getting stitches.. Warning: Don't blame the kid. That ship has sailed and will go badly.

In the end everyone knows it was not purposeful. The rest is simply about who is out some $$$ Lesson learned. :hug:

Thank you! All those darn plastic chairs are put away in the garage! And I was always worried about the swings :-/

[TwinKristi]

It also depends on their insurance company. They may ask if this happened at someone else's house and then they will come after you or your insurance for it. Do you have renter's/homeowner's ins? Depending on the bill and your deductible it may be worth it to pay out of pocket.

Eta- my old insurance company used to send us letters asking if anyone else could be held liable and who/where, etc.

[nannyde]

Yes you are responsible. It may nit be up to the parents on whether or not you pay. Whoever pays the bill may sue you for it.

There's nothing the parents can sign that will absolve you of responsibility.

[Tdhmom]

It also depends on their insurance company. They may ask if this happened at someone else's house and then they will come after you or your insurance for it. Do you have renter's/homeowner's ins? Depending on the bill and your deductible it may be worth it to pay out of pocket.

Eta- my old insurance company used to send us letters asking if anyone else could be held liable and who/where, etc.

Yea we have home owners insurance. I've been speaking with dcm and I think it's going to be ok. My mind was racing after it happened and didn't really have a chance to talk to her so, of course, I think the absolute worse scenarios. I hope nothing like this ever happens again!!! I feel horrible it happened on my watch

[crazydaycarelady]

I had this happen before and the parents insurance covered it. If they have insurance you could offer to pay for what it does not cover (co-pays.)

If they don't have insurance they may want you to pay.

[Annalee]

I had this happen before and the parents insurance covered it. If they have insurance you could offer to pay for what it does not cover (co-pays.)

If they don't have insurance they may want you to pay.

Same here.....had a parent come and get the child needing stitches, carried to dr and it was over. When I first started fcc years ago, an attorney at a workshop warned providers to never "offer" to pay....see how the issue plays out.

I do have insurance in the amount state licensing requires, however I do not broadcast because we live in a sue happy society.