A. Information about daycare insurance
https://www.trustedchoice.com/small-business-insurance/children-pet/daycare
B. 受傷賠償的數目，包括medical expense, lost income and pain and suffering
(1) medical expense, is the actual cost you and your insurance paid to the doctors. If your health insurance paid for majority of the cost, you can direct the daycare insurance to pay that portion directly to your health insurance.
(2) lost income, 你這幾天最好請假照顧孩子，要對方賠償工資。
(3) pain and suffering. for flesh wound, pain and suffering is 3-5 times medical expenses. In your case you can start with 5 times and negotiate from there.
C. Example
Let's say your emergency room cost and follow up medical expense ends up to be $5000. Let's say you ended up with deducitble and copay of $1000.
Your total compensation would be:
$4000 to your health insurance company, and $1000 to you as medical expense.
lost income = # of days missing work x daily salary
pain and suffering between $5000* 3 ($15000) to $5000*5 ($25,000)
你要問幼兒園有沒有疏忽，關鍵在於他們能不能預見書架會傷人，不知道前因後果不好說誰會贏。真打起官司來一地雞毛兩敗俱傷，所以保險公司會選擇和解賠償。
你心疼我非常理解，但是法律上隻能是賠償金額。那些撞車死了孩子的人找誰把孩子要回來？隻能拿賠償然後一輩子難過。法律是有限的。
