Back in 1978, right after I got married, my wife was proceeding through an intersection in our car--no stop signs facing her. A kid on a bicycle came flying down the sidewalk on the intersecting street, and without stopping, stammed into the side of the front fender of our car. Thankfully, the kid wasn't injured, but even though I had collision AND uninsured motorist coverabe on my policy, my insurance company [State Farm, in case you're interested] told me I needed to fix the car out of my own pocket.
Since my car was hit by a BICYCLE, the uninsured MOTORIST coverage didn't apply...nor did my comprehensive, or any other coverage I had. And as to trying to make the PARENTS pay, the insurance company said that since the PARENTS weren't riding the bike, they weren't legally liable...and since the bike rider was 14 years old, there was a 'doctrine of diminished responsibility' that meant even if I sued, I'd never collect a dime.
In fact, the insurance adjuster told me that I was DARNED LUCKY that the bicyclist hit the SIDE of my car, instead of the front..or MY WIFE might have been declared liable for damages to the bike!
So it's not THAT recently that we haven't been holding kids liable for the damages they cause; this was 32 years ago, and the then-14YO cyclist would now be near 50, assuming they're still alive.
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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