my 2 years boy had his leg fructured while he was with a child minder in her house ... social service and OFSTED closed the case considering it as "accident" ... a friend of mine told me that he is entitled to insurance (compensation) but i have no idea how i can claim this and where to start from ..
Answer by Ginger
You would let the "child minder" know that they would need to file a claim against their homeowners or renters insurance.
Homeowners insurance provides medical coverage for accidents that result in injuries to those who are not residents of the household. Normally, the limit of coverage is between $ 1,000 and $ 5,000. If the "child minder" is found, by the insurance company, to have been negligent there may also be liability coverage available.
One thing to keep in mind is that many homeowners policies specifically exclude coverage if it is related to a business. Is this person running a daycare or were they just watching your child for a short period of time on a temporary basis. Also, if this is a regular sitter, it often depends upon the number of children that are kept in this persons care as to whether coverage will apply or not.
Answer by Dave
Don't take legal advice from "friends." If you maintain that the "child minder" was negligent, you'll have to sue her. You cannot "file a claim" on another person's insurance.
Answer by mbrcatz
Well, friend is NOT correct.
He's not automatically "entitled" to compensation. You have to hire a lawyer, and sue the child minder. You'd have to prove she was negligent in some way. If another child caused the break, by jumping on your son, you can sue the parents of the other child.
A judge will listen to how the accident happened, and decide WHO is at fault for this. And if it's your child, then you don't get anything.
If you were PAYING the child minder, then homeowners or renters insurance will NOT cover the claim. Homeowners and renters does NOT cover business activities, like running a daycare from your home.
Answer by StephenWeinstein
Your friend is wrong.
Hypothetically speaking, there is a remote possibility that if (1) you sue the child minder, and (2) you win the lawsuit, and (3) the child minder has insurance, and (4) the child minder files a claim with the insurance company, then you might get some money. If any of these four steps do not occur, then you cannot get any insurance money. In particular, you cannot claim the money from the insurance company yourself. To get the money, you have to sue the child minder, and the child minder has to file the insurance claim. No money will be paid if you claim it from the insurance yourself.
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Orignal From: How and where to claim insurance for my child?
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