SCHOOL INSURANCE

Parents are urged to review their health and accident insurance policies to be sure that they have sufficient coverage in the event of an accident involv-ing their child (children) during the time that their child (children) is (are) at school. If a parent has any doubt concerning this matter s/he should consider purchasing school insurance. This insurance is offered to parents and guardians through the schools at a nominal cost. There is a policy covering acci-dents and injuries during the hours that the child is in school, and a policy (available at somewhat greater cost) that covers the child twenty-four (24) hours a day during the school year. For details concerning the above school insurance, watch for fliers that are sent home with each student at the beginning of the school year. If you have any questions about this insurance be sure to contact your school principal. Parents are reminded that the schools are generally NOT liable for accidents and injuries incurred by their children during school time, nor are we able to pay the medical and other costs incurred as a result of accidents occurring at school. The only exceptions to this are: (1) when the student is partici-pating in athletics, band, and intramurals, school insurance purchased by the Board of Education will cover medical costs associated with injuries incurred while participating in these activities and (2) in the event that negligence on the part of the school can be proven in the case of an injury. Negligence is often difficult to prove as the schools are very careful to see that all school activities are carefully supervised, and it is a costly legal process. It is probably better for the peace of mind of all concerned to be sure that the child is properly covered by an insurance policy that will protect the parents against financial loss in the event of an unfortunate accident. For this reason, parents are urged to review carefully their insurance policies, and to give serious consideration to SCHOOL INSURANCE in the event that there is a need for such protection.