Injured child

by HWC Partner Michael Eldridge

Every fall, parents across Alabama celebrate the significant milestone of sending their children off to college. While our attention naturally gravitates toward matters like lodging, tuition, and class schedules, we may also ponder whether our insurance policies continue to provide coverage for our children now that they are adults and out of the house. Consider this scenario: Your child is away at college and is involved in a car accident. Perhaps they are at fault and injure someone else, or worse, they themselves are injured by another driver. In such situations, what are the implications for the parents’ insurance coverage as is it relates to covering a child away at school?

For decades, Alabama courts have ruled on insurance disputes related to scenarios precisely like this one. The central point of contention between insurance companies and their insureds revolves around the term “residence.” Specifically, what qualifies as an individual’s place of residence while away at school? The crux of this question is significantly important because insurance contracts typically extend coverage to both the named insureds (i.e. the parents) and “relatives of the named insured if they are residents of the same household.”

Any attorney that represents injured children has to consider the question of who has standing or the right to bring the claim on behalf of the injured child? Are the incurred medical expenses the parents’ claim or the minor child’s claim? And, what adult or person should serve as the representative for the minor child? These are just some of the many questions that arise in the context of an attorney’s representation of an injured child.

While the above questions will depend upon the state in which the injury occurred, this article focuses on Alabama law and how it views these issues. Essentially, Alabama allows the parent or the person representing the minor child to elect who makes the claim for medical bills, past and future, during the minority years. The parent, who likely incurred the medical bills, can bring the the claim in their individual capacity or, the parent can waive their right to bring the claim individually in favor of simply allowing the minor to pursue the claim through their representative.

The issue was first addressed in Cabaniss v. Cook, 353 So. 2d 784 (Ala. 1977); see also, Broughton v. Kilpatrick, 362 So. 2d 865 (Ala. 1978) (affirming the holding in Cabaniss one year later by reversing the trial court when it did not allow the introduction and admission of medical expenses on behalf of a minor suing by and through his mother as next friend). The Cabaniss Court directly addressed the issue of whether a minor child has the right to pursue medical expenses through a representative as opposed to the parent pursuing said damages individually. In Cabaniss, Warren Cook, and unemancipated minor, sued by and through his father as next friend, for damages arising out of an automobile accident. Cabaniss at 785. In the Cabaniss opinion, the Court noted:

Articles Posted in Injured child

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