I believe that the Parents would need to be present for them to be "responsible"??? In this case, when the kids in the Day Care, I think they are the resonsible ones?? Of course as this was at the point the kid was leaving for the day, and so was in the process of being handed over to the parent, the whole thing is liable to be even more murky!

And as Dave told the kid to get off the bike but then failed to keep an eye on the kid/bike, I wonder if a lawyer would try to say that his neglegence contributed to the accident?

Somehow, Dave, I have a feeling that you will have to suck-up and claim off your own insurance, otherwise this will be bogged down for ages....not saying thats "right", but suspect it will be the quickest way forward...

Regards,

Peter