As you surmise, parents aren't usually responsible for this sort of thing but it might be covered under their homeowners policy...if they have one. Doesn't hurt to ask.
yer kiddin' right? Parents are absolute liable for their kids until the courts say so, or the kids turn 18. Pity you dont know the kids parents, get them to pay for it.
The day care has zero responsibility to cover it, unless the kid works there.
