Well DH is going to pick up the accident report and they have to report it to DOC's as well because she had to see a dentist. The director was lovely and apologetic but I still let her know I was not happy that nobody realised - one of the girls said they noticed her tooth was up a bit but thought it hadn't come down as it was growing. I told her I find that hard to believe because all it would take is to look at a photo of her to see the difference. Also surely they would connect the inconsolable crying, saying her teeth hurt and the fact that it looked a "bit funny" as something that should have been followed up. I didn't ask about the costs yet - want to do a bit of research first and read through the info we get from them.
Yes, they have insurance to cover this. If there is an accident and they make a claim, it's then up to the insurance company to decide whether or not the centre were at fault or if it was a true accident.
Definitely follow it up. If they say they don't have insurance, they're either lying, or kind of dumb and should be liable anyway.
I would have thought that it is just one of those things that happens and they wouldn't be liable. I know that that is the way schools work (and scouts as well) - unless negligence can be proved - and I would have thought that it would be the same, but I am not sure.
Chances are that there was something about it on her enrolment forms - maybe check them if you still have them.
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