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We are receiving more phone calls from parents who were driving – lost control – and ended up causing a wreck that hurt their own child. Normally, parents never like to think about their own mistakes hurting their children. It takes a big person to admit they made a mistake – and that mistake hurt their kid.
The good news is that this is EXACTLY why you bought car insurance in the first place. Your own liability insurer should take care of this claim. If your liability insurer has insufficient coverage, your Uninsured Motorist insurer should pick up the balance. Finally, if you have Medical Payments coverage (MedPay) this should also help with medical bills.
Do not listen to insurance companies that try to weasel on these claims. You have insurance to take care of accidents. These are accidents … nobody actually tries to hurt their own kid. Make sure your insurer does as it promised to do – and covers your child’s injuries.
I wish you well. /s/ Ward Merdes

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