https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 16 May 2026 14:25:28 +0000 https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899093 Thu, 10 Oct 2019 04:32:02 +0000 erinbaderin 2899093@https://boards.hellobee.com/ <p>We had a slightly different situation - my son was playing on his own when another kid fell into him, he fell forward and smacked his face on one of the nap cots, and needed stitches in his lip. The thing is that it is against their policies to have the cots out while the kids are playing, they’re supposed to put them away as soon as the kids get up. We’re Canadian so there was no cost, but I did think about what would have happened if there had been a fee - on the one hand, it was an accident, but on the other hand the damage was caused by them not following their rules. </p> <p>In your case, though, I wouldn’t expect daycare to pay since the medical problem had nothing to do with the accident but considering that they offered, it would have been pretty lousy for them to then kick you out for that reason! </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899090 Wed, 09 Oct 2019 22:31:27 +0000 misolee 2899090@https://boards.hellobee.com/ <p>I'm surprised they even mentioned it.</p> <p>My friend's son (second grade) was sitting on the floor for some class activity and one of the teachers were walking by and accidentally stepped on his hand. Poor kid isn't big on expressing himself so he didn't really tell his parents and the finger ended up having an infection. ER visit, not very good insurance, etc had them owing a lot of money. The mom called the school to let them know what happened but they did nothing. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899089 Wed, 09 Oct 2019 21:22:49 +0000 Jennibenni 2899089@https://boards.hellobee.com/ <p>I would not have them pay, given the circumstances you described. Seems odd they offered. I feel like most places would wait and see if the parent asks. I also don’t see why a parent would ask or fault the daycare in these kinds of situations, just part of being a kid/having kids. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899080 Wed, 09 Oct 2019 18:15:52 +0000 Ms. RV 2899080@https://boards.hellobee.com/ <p>@SLR: I was surprised too! </p> <p>@DesertDreams88: I guess they considered it their fault since they thought he could do it on his own so they looked away. They also don't have a proper play surface to prevent injury (but who does under those Little Tikes slides?)</p> <p>@codeitall: Yeah, it wasn't like he wandered off somewhere and got hurt.</p> <p>Thanks for the responses. The director kept inquiring about it until it was awkward (according to OH.. I wasn't there). I think he finally said something about DS being on medical assistance so it was no big deal. Doesn't really work like that but we'll go with that. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899078 Wed, 09 Oct 2019 16:09:22 +0000 codeitall 2899078@https://boards.hellobee.com/ <p>yeah, I wouldn't have had the daycare pay. IF it really was concussion related, I'd ask if their insurance would cover it or if it would be out of pocket. Even then, I'd probably pay it. Honestly, unless it was outright negligence, I'd chalk it up to kids being kids and a little risk would have happened at home just as easily as daycare. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2899000 Tue, 08 Oct 2019 22:05:44 +0000 DesertDreams88 2899000@https://boards.hellobee.com/ <p>No, I wouldn't consider it their fault, so, not their fiscal responsibility. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2898997 Tue, 08 Oct 2019 21:36:23 +0000 SLR 2898997@https://boards.hellobee.com/ <p>I would not have them pay. I’m actually surprised that they offered!</p> <p>My daughter broke her arm at daycare when she was 18 months old and there was never any discussion on who was responsible for payment. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2898995 Tue, 08 Oct 2019 21:20:21 +0000 winter_wonder 2898995@https://boards.hellobee.com/ <p>Glad your DS is ok, but yikes, I bet that was scary.</p> <p>Since you already declined, I wouldn't have care pay. </p> https://boards.hellobee.com/topic/accident-at-daycareinsurance-wwyd#post-2898992 Tue, 08 Oct 2019 21:00:45 +0000 Ms. RV 2898992@https://boards.hellobee.com/ <p>Last month, my then 15 month old went down a slide head first at daycare. He had gone down that slide completely on his own feet first before so I am pretty sure he was being a daredevil and I do not fault the teachers for it.</p> <p>He got a bump on the head and some abrasion, but he seemed normal. Then at nap time, he started breathing really heavy, so I said I would come and check on him.</p> <p>When I got there, I could tell it was his "in pain" breathing so I took him to urgent care. Turns out he had a wicked ear infection and a fever of 103.7. Head was fine, but if he couldn't be woken up or started throwing up he was to go to the ER. </p> <p>And an hour later he vomitted four times... so to the EE we went.</p> <p>Total medical bills for the day were ~$800. Daycare offered to pay it since it was all due to fear of concussion, but we declined-- that was before we got the bill. In the end it doesn't matter because I am going to meet my out of pocket sometime during my delivery next month (I am like $200 away, and expecting a one night NICU stay so that would be well over my out of pocket).</p> <p>Just curious.. would you have had daycare foot the bill? It is a private institution and so technically they could kick us out for no good reason. They are the only one around so we would be completely SOL if that happened.</p> <p>TLDR: If your LO got hurt at daycare would you risk possibly (but unlikely) getting kicked out if they paid the bill if you had no other childcare options? </p>