Back in 1978, right after I got married, my wife was proceeding through an intersection in our car--no stop signs facing her. A kid on a bicycle came flying down the sidewalk on the intersecting street, and without stopping, stammed into the side of the front fender of our car. Thankfully, the kid wasn't injured, but even though I had collision AND uninsured motorist coverabe on my policy, my insurance company [State Farm, in case you're interested] told me I needed to fix the car out of my own pocket.
Since my car was hit by a BICYCLE, the uninsured MOTORIST coverage didn't apply...nor did my comprehensive, or any other coverage I had. And as to trying to make the PARENTS pay, the insurance company said that since the PARENTS weren't riding the bike, they weren't legally liable...and since the bike rider was 14 years old, there was a 'doctrine of diminished responsibility' that meant even if I sued, I'd never collect a dime.
In fact, the insurance adjuster told me that I was DARNED LUCKY that the bicyclist hit the SIDE of my car, instead of the front..or MY WIFE might have been declared liable for damages to the bike!
So it's not THAT recently that we haven't been holding kids liable for the damages they cause; this was 32 years ago, and the then-14YO cyclist would now be near 50, assuming they're still alive.
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Today's Featured Article - Weldin Basics, Part 3 - by Curtis von Fange. Oxy-acetylene Welding - Part One In our series on welding we have taken a brief look at AC and DC arc welding along with basic techniques and safety equipment required for safe usage. Since our premise is to cover welding types that might best be used on a farm environment we have kept our overview purposefully simple and general. The second type of welding that this observer finds quite useful in
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