Wobbly tooth drama and insurance claims
wtf is that all about? One 5 year old bumps into another 5 year old at school and now insurance claims are happening with Bill's for future dental work.
OP is in the uk
Posted Dec 1, 2020, 6:01 PM UTC
45
Christ, that’s a new one! I guess if someone comes from abroad that they might not realise, just sounds nuts to us!
5
No idea why OP is worried or why a 5 year old losing a baby tooth is a big deal. If it was just a bump the tooth was probably on it's way out anyway
4
Yeah it’s nuts!
4
To not have insurance for my child54
Today 16:14Nevermakeit
Just called up by another mum. Her DS and my DD (both aged 5) apparently bumped into each other in the playground last week, and her child knocked his tooth.
Tooth now wobbly and gum is bruised, and she has contacted her insurance for dental work - now or over the next 10 years (that is apparently the duration of the claim). I should mention, she is an expat and apparently has great insurance cover!
She is now saying her insurer needs to be put in touch with mine, as my daughter is involved in the incident. Problem is, we don't have insurance for that (I guess it would be personal liability?) - either for her or for us. We have house insurance, health insurance (through work), and car insurance obviously. What do others have ? Do you have insurance for yourselves or your DC, in case you accidentally hurt someone or damaged something in some way? I am suddenly wondering if we are being reckless and foolhardy not having some sort of personal liability insurance! (it's definitely not covered by our home insurance, I have just checked).
Am I being Unreasonable?
YABU
or
YANBU
You have one vote. All votes are anonymous.
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Today 17:06Nevermakeit
Yes, we are both in the UK, and the school is in the UK. But they are a french family, on an expat package and their insurer is in France.
It really shook me. Because then I started thinking about scenarios- what happens if you (or your child) do something very minor to someone (eg bump into someone in the street, or drop your hot takeaway coffee on a passing toddler or something similar) , and it causes lifechanging or very serious injuries (clearly NOT the case here). What happens? Are people ever insured for that sort of thing? Should we be?
Today 17:20Nevermakeit
They are claiming against sort of pre-emptive damage: Xrays and various other checks to check if the root of the permanent tooth has been damage, and then if there is damage to the permanent tooth, they have the next 10 years to make a claim. I also think it is totally excessive obviously, but I think that seems to be a bit of a french thing, they are highly medicalised. But it puts me in an awkward situation as I don't want some bill landing on my doorstep in 7 years time or whatever! She is telling me her insurers are claiming they won't come after us, but I am very uncomfortable with having my DD's name on a claim like that.
Today 17:22Nevermakeit
I have said I will talk to the school, and try and hand the issue to them - as the collision happened at school (and first I heard of it was from the other mum, not the school), seems to me they are the ones who should be dealing with insurance etc...
2
This is definitely nonsense, I think it's more froth troll than begging though!