Property Damage and Parental Liability

[auspieman]

Big question comes up when children with Autism damage a property in school or any other public place, or even in someone's house. Are the parents liable?

Here is a good story from eMaxHealth written by a parent of an autistic child called Property Damage and Parental Liability with Special Needs and Autistic Students. It's a good read so you know your rights and liabilities when your child who has special needs damages someone's property.

 

[Gracey]

If in America, a parent will be held responsible for their own child’s behaviour when under the supervision of teachers/mentors in school, does that mean there’s an insurance policy a parent can take out to cover the costs of any such incidents in the states where parents will be held accountable?

It’s going to be a large bill for damages surely?

 

[auspieman]

Yes indeed. Is it the case in all states?

 

[Judge]

Parental Responsibility Laws (in all 50 states) :

https://www.mwl-law.com/wp-content/uploads/2018/02/PARENTAL-RESPONSIBILITY-CHART.pdf

Bottom line: Be insured as a renter (HO4) or a homeowner (HO3, HO6) carrying Section II liability coverage for property damage and bodily injury if you are a parent.

Otherwise Junior just might cost you a bundle depending on the loss in question. Being mindful of policy exclusions, of course.