Who is Going to Pay for the Medical Bills When a Child is Injured at a Florida Day Care Center or School?

Medical First Aid Kit Blue Injury Wounds LacerationsIn Florida, children often times suffer personal injuries at day care centers and schools. When a child suffers injuries at a day care center or school, parents are often faced with the issue or challenge of paying for medical care for the injured child. There are various payment sources or options for parents when a child is injured at a day care center or school. Legal cases involving a Florida day care center or school injury can be quite complex. Due to the complexity of these cases, it is often helpful to have a Florida Child Injury Lawyer assess the case and advise the parents as to the legal rights and options for payment of medical bills for the injured child.

Here are some sources of payment that might be available when a child is injured at school or day care center:

  • Student Accident Insurance. This insurance coverage is often available through a day care center or Florida school. In some instances, the school or day care center pays for the coverage. In other instances, student accident insurance is an option available for parents if premium payments are made by the parents. This kind of insurance coverage pays medical bills related to a day care center / school personal injury regardless of fault for the injury sustained while under the care of a day care center or school.

  • Health insurance. If a child has health insurance benefits in place. This may be another payment source for medical bills.

  • Liability Insurance. Unlike student accident insurance and health insurance, liability insurance does not pay piece meal. In other words, in other words, liability insurance usually will only make a one-time payment for medical bills, pain, suffering and related damages. Because there is typically only a one time payment under liability insurance, a parent often times is put under financial strain during the medical treatment phase of the claim or case especially if the child does not have health insurance or student accident insurance to pay for medical bills.

  • Medical Payment Insurance. This payment source may be available under an insurance policy. Similar to student accident insurance, medical payment insurance coverage will cover medical bills regardless of fault.

  • Direct Payment from Day Care Center or School. On occasion, a Florida day care center or school will pay for the medical bills directly from school or daycare funds for the child.

It can be a challenge to get a child medical care and treatment when a child is injured in school or day care center and find payment sources for the medical care and treatment. When a child suffers a personal injury while under the care and supervision of a Florida day care center or school, it is important to hire a Florida Child Injury Attorney for advice consultation, and legal representation. The book titled The ABCs of Child Injury - Legal Rights of the Injured Child - What Every Parent Should Know - has chapters on Medical Bills/ Medical Treatment, Day Care Center Injuries, School Injuries, and other topics. You can get this book for free at The ABCs of Child Injury. Another good book and resource for parents is Florida Day Care Center Injuries - Building Blocks of Knowledge for Parents. This book has chapters on Outdoor Facilities / Playgrounds, Indoor Facilities, Record Keeping, Emergency Procedures, and other topics. Get this book for free at Florida Day Care Center Injuries.

If your child has been injured at a Florida school or day care center, contact the child injury attorneys at Wood, Atter & Wolf. Since 1957, the attorneys at Wood, Atter & Wolf have represented the interests of injured children and their families.