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Did you get this sorted?
In my situation, one family ended up moving out without telling me, and the family are still avoiding me. So, I have to go to the small claims court.
Did you get this sorted?
In my situation, one family ended up moving out without telling me, and the family are still avoiding me. So, I have to go to the small claims court.
Your child at 2 years old CANNOT be held liable for this incident. Your policy covers your LEGAL liability rather than your MORAL responsibility.
Where the damage occurred is not relevant as your policy normally covers your liability and that of your family, within the policy limits.
Your neighbour will not succeed if s/he issues legal proceedings against you and your child.
Morally, you might want to pay out of your pocket to stay on good terms with neighbour. Otherwise, Id be prepared for the long haul.
An angle might be for neighbour to sue YOU for lack of parental supervision. They might succeed in that case, but you would then have been negligent and if insurers ran the case to the full, you might not want this publicised in the local papers.
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