Compensation for hot water burn
June 1, 2011 7:35 AM Subscribe
Burn insurance settlement for child
posted by anonymous to law & government (15 answers total) 1 user marked this as a favorite
My young child was burned by hot water at a children's facility. (Not a daycare centre, but a family fun center-type place.) The water was from a sink and burned instantly due to splashing. I don't want to provide identifying details here (in case the company finds this), but suffice it to say that this was not due to a lack of supervision on my part. My child was burned *immediately*. Small 1st degree burns on the face and a 2nd degree burn to the arm on a joint. It was very painful for my child. The facility was quite unhelpful at the time and when we kept trying to follow up (for fear about other children). I could provide more info here, but don't want to provide identifying case details.
We talked to lawyers and all said we should try to work this out on our own with the insurer because they felt we could work something out. But they couldn't speculate on amount.
I'm not trying to gouge the insurer, but my child did suffer painful burns that required an ER visit, a follow up doctor's visit, daily dressing changes, bandaging (which took a while to do and was upsetting and painful), ointment, pain medication, etc. My child is now scared of taps (understandably). I have no idea where to start with this.
The insurance company has asked to meet with us in person and has not requested any medical records or photos or anything since we were contacted by them, despite us offering them. They also want both parents present. My mom used to work in insurance and she said that she suspects that they have "good neighbour coverage" that they hope to use to avoid a lawsuit and publicity. She said it should be more than home insurance good neighbour coverage ($500 to $1000 range for that). She never worked in commercial insurance, so she has no idea what would make sense for this. I have no idea what to expect and have no idea what is reasonable. Obviously, no one wants a drawn out process. I am not suing out of spite or anything, but for the sake of my child, who was in pain for a number of weeks and may have permanent scarring - and who's still scared of the event.
This is in Canada. And, yes, I know it comes down to what we think is acceptable, but I prefer going into situations with at least some info. Also, if it's relevant, parents are not allowed to sign away a child's rights at facilities here.