Should a child be billed for a accident?

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#997153 1-Mar-2014 16:15

Not surprised they were on the offensive and saying it has already been dealt with. The PR person must crapped bricks when it landed on his desk that they were going after a 15 yr old for damages.

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Geektastic

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#997155 1-Mar-2014 16:25

throbb:
jamesrt: Trying to charge the child was absolutely the wrong thing to do.

The insurance company should quite rightly wear the loss on that one. After all, that's the business they are in, and that's why they charge premiums.

But what if the owner of the car had no insurance? Who would ypu expect to pay for the damages then?

The owner of the sports ground whose fence is clearly inadequate...!

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#997177 1-Mar-2014 16:58

If the child is liable so is the owner of the cricket ground, the manufacturer of the Ball and the Batt.

Some companies, some decisions.

Here is a crazy notion, lets give peace a chance.

jamesrt

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#997181 1-Mar-2014 17:05

throbb: But what if the owner of the car had no insurance? Who would ypu expect to pay for the damages then?

The owner of the car.

If you own a relatively expensive asset, you can either insure it against damage, or pay for repairs out of your own pocket with the money "saved" from not paying the premiums.

That's always a choice.

tdgeek

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#997190 1-Mar-2014 17:32

Liken this to a golf club. Stray balls happen . The sports ground should have insurance that covers this.

Kids hits car, kid at fault. Car insurance company pays out, no excess to car owner , goes after causer . Causer is insured by the golf club/ sports ground , so the sports ground insurer pays out, sports ground pays an excess.

I've had minimal claims myself. Three car accidents caused by the other, no problem. Seems to me the sports ground did not cover that incident .

Is it foreseeable that a sports ground could have an incident caused by its partipants? I believe yes.

surfisup1000

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#997199 1-Mar-2014 17:49

tdgeek: Liken this to a golf club. Stray balls happen . The sports ground should have insurance that covers this.

Kids hits car, kid at fault. Car insurance company pays out, no excess to car owner , goes after causer . Causer is insured by the golf club/ sports ground , so the sports ground insurer pays out, sports ground pays an excess.

I've had minimal claims myself. Three car accidents caused by the other, no problem. Seems to me the sports ground did not cover that incident .

Is it foreseeable that a sports ground could have an incident caused by its partipants? I believe yes.

i agree with this.

People using the grounds should be required to pay a small fee to cover the insurance cost of using the grounds.

They could fence off the fields and construct a little ticketing booth for this purpose.

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gzt

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#997377 2-Mar-2014 01:42

Madness. The only winners would be insurance companies and ticket clippers.

throbb

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#997383 2-Mar-2014 01:55

jamesrt:
throbb: But what if the owner of the car had no insurance? Who would ypu expect to pay for the damages then?

The owner of the car.

If you own a relatively expensive asset, you can either insure it against damage, or pay for repairs out of your own pocket with the money "saved" from not paying the premiums.

That's always a choice.

Are you saying that the owner of a car should pay for any damage cause to there car, even if it was caused by another person?
If I damage someone elses property, im going to pay for it, if one of my kids damage someones property, its going to get paid for by me.

Bung

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#997402 2-Mar-2014 06:27

tdgeek: Liken this to a golf club. Stray balls happen . The sports ground should have insurance.

It only took about 90 years for the Miramar golf course to put up a decent fence and a row of trees to stop golf ball hitting neighbouring houses. Older houses mainly concrete so ball had to find window. Newer houses broke wherever hit. Insurance costs must have risen.

SteveON

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#997476 2-Mar-2014 10:24

The child should pay. Just because someone has insurance, does not mean no one is at fault. Insurance companies sue each other for compensation all the time. This country believes in no ones at fault and its crazy. The kid damaged something, he should pay for it.

ArcticSilver

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#997478 2-Mar-2014 10:31

SteveON: The child should pay. Just because someone has insurance, does not mean no one is at fault. Insurance companies sue each other for compensation all the time. This country believes in no ones at fault and its crazy. The kid damaged something, he should pay for it.

It really is this simple.

The Kid should pay and if that falls to the parents then so be it.

In no way should the owner of the car need to pay for damage that was not his doing. It makes no sense and teaches very bad lessons.

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#997479 2-Mar-2014 10:34

I don't see the issue, the person causing the damage should pay regardless of age, if they are too young the parents do. I recall at that age damaging someones property by accident and knew I would have to pay as did my mother so we sorted it out, why is it so differant nowadays or is it just another case of a generation that has no responsibilities.

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#997522 2-Mar-2014 12:54

Imo, this is no different from a kid breaking something expensive in a shop. If it were my kids, I'd pay - accident or not. I can't believe the self-righteous attitude of the parents.

Fred99

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#997661 2-Mar-2014 17:47

tdgeek: Liken this to a golf club. Stray balls happen . The sports ground should have insurance that covers this.

Kids hits car, kid at fault. Car insurance company pays out, no excess to car owner , goes after causer . Causer is insured by the golf club/ sports ground , so the sports ground insurer pays out, sports ground pays an excess.

I've had minimal claims myself. Three car accidents caused by the other, no problem. Seems to me the sports ground did not cover that incident .

Is it foreseeable that a sports ground could have an incident caused by its partipants? I believe yes.

This.
It is also the way to address the "problem" - if there's a need to "do something" to prevent future accidents.
I've been on sports club committees, public liability insurance issues are always on the meeting agenda.
If the sports ground was council owned and managed - then it's the council's problem.

jeffnz

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#997665 2-Mar-2014 17:53

Fred99:
tdgeek: Liken this to a golf club. Stray balls happen . The sports ground should have insurance that covers this.

Kids hits car, kid at fault. Car insurance company pays out, no excess to car owner , goes after causer . Causer is insured by the golf club/ sports ground , so the sports ground insurer pays out, sports ground pays an excess.

I've had minimal claims myself. Three car accidents caused by the other, no problem. Seems to me the sports ground did not cover that incident .

Is it foreseeable that a sports ground could have an incident caused by its partipants? I believe yes.

This.
It is also the way to address the "problem" - if there's a need to "do something" to prevent future accidents.
I've been on sports club committees, public liability insurance issues are always on the meeting agenda.
If the sports ground was council owned and managed - then it's the council's problem.

thats right its always someone elses's fault right, so now its the rate payers fault and they need to pay

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