Son injured in car accident under schools care?

[johnmc]

I bet the teacher wont give him a lift again when i was at school it was either walk or bus .wonder if the teacher gave him an apple as well

If the school had some cover the teacher won't be affected. Whilst unlikely he was in a school vehicle, occasional business use is a common cover on an educational risk.

If the school didn't have the cover or they were unaware then it's quite possible the teacher will be out of pocket.

 

[@BluePhil8]

Why does the school pick him up and drop him off?

 

[Tanzeylee]

I remember back in 1996 when I met him on another forum and said I hated how out dated Manchester City centre looked.

He had some great advice on similar lines that day as well.

Was that before or after he offered to tormakyordroive

 

[Ban-jani]

Why does the school pick him up and drop him off?

My first question

 

[The Pink Panther]

Her insurance really doubled after a 'no fault claim'?

That must be a new thing as I've made two claims before now that we're non fault and my no claims bonus stayed the same and my insurance still decreased.

Same for me SWP
I was nudged into at a roundabout and it split the rear bumper
I reported it to my insurance and I asked if being in an accident that wasn't my fault would affect my premium.They confirmed it wouldn't and it didn't

 

[meltonblue]

I had an accident at school when I was 16 which resulted in me being in hospital for three months. At the time, my family had the chance to sue the school and asked me at the time too but neither they or me wanted to.

Each to their own, I'm not personally a fan of seeking financial recompense though unless the accident caused or could lead to some form of detrimental financial impact as a result.

 

[The Pink Panther]

I work for an insurer and we see a lot of spurious claims. Stuff like kids falling over and scraping their knees at nursery and alledging lack of supervision or a clear pathway policy. And the majority of the time we pay damages as the costs of defending are so high with a risk they will side with the claimant regardless.

If the OP/his son puts in a claim he will get a payment out of it.

What the OP hasn't said is that if it was him/her that asked or ok'd the teacher transporting the kid
I attended a child protection course and we were told that under no circumstances volunteer to give a child a lift. Only do so if it was the parent that asked

 

[Mustard Dave]

If the school had some cover the teacher won't be affected. Whilst unlikely he was in a school vehicle, occasional business use is a common cover on an educational risk.

If the school didn't have the cover or they were unaware then it's quite possible the teacher will be out of pocket.

It depends on what is covered. An insurer's third party liability only extends to their insured's legal liability; if the school was not negligent, they are not liable unless they have explicitly offered cover to owners of private cars driving on behalf of the employer. Most don't as it is easier to simply require the employee to have business cover.

The only other situation would be if the teacher did not have business cover, and the school had been negligent by failing to check the employee was covered, or told them to use the private car on school business with full knowledge they weren't.

 

[Mustard Dave]

Same for me SWP
I was nudged into at a roundabout and it split the rear bumper
I reported it to my insurance and I asked if being in an accident that wasn't my fault would affect my premium.They confirmed it wouldn't and it didn't

I got T-boned in my company car, and at first the other party 'firmly disputed' liability. Somewhat inconveniently, this was a fortnight before my renewal date on my private car. When I notified them of an outstanding claim, it went up by £100 above the renewal offer. When they accepted liability, it went down by the same amount below the renewal offer.

Underwriters work on probability, and statistics show that the victim of a non-fault accident is more likely to claim again. Premiums therefore do often go up.

 

[Sir peace frog]

I hope you weren't the one who investigated one of my old company's claims!

A female worker claimed against her employer for injuries sustained on a packing production line. As was the standard practice, my company (the insurer) estimated the cost of the claim at £2.5k. Having been told the woman would have to be off longer than expected, they upped it to £7.5k,whixh they would have paid without quibble.

When the solicitor sent in the claim, it was for £250k so they took a keen interest. She was claiming for life changing injuries requiring modification to her house and a specially adapted car. As it was soon discovered she couldn't drive before the accident, that bit went out of the window but there was still a fair bit left. So, suspecting potential fraud, they engaged a PI.

The PI came back after a while, very pleased, and showed the footage he'd recorded. The woman (who claimed she was housebound) was seen going out, then coming back later with a load of shopping, opening the front door and picking up the large dog that bounded out to greet her. As per usual practice, she was asked to visit a doctor to ensure she hadn't made a miraculous recovery. She hadn't and was still complaining of the same, life changing, injuries.

Then she was called in to view the footage and offer an explanation. That proved quite easy as the PI had filmed her next door neighbour.

we used to do "market research" one of us would go to the house a few questions then offer them vouchers for the shop of their choice,arrange to meet them on the time of their shop hand over the vouchers and the other one would film them going round the shops.
I was involved in a really big claim,the claimant was in for hundreds if not millions of pounds,he was confined to an electric wheelchair totally fucked,we caught this bloke in his garage using his multi gym with the door wide open,
i also starred in a cutting edge program about P.I. work,but it was a bit difficult following someone with a camera and one of those big hairy mikes following you about :)