What if my child was injured? Are the rules different?

Some are. A parent may have their own claim for the child’s medical expenses, while the child has a claim for their own injuries. In Florida, settlements for minors above certain dollar amounts generally require court approval, and larger net settlements may require a legal guardianship or other protections for the funds. Insurers cannot simply pay a parent and close out a significant minor’s claim without following these rules. Deadlines can also work differently for parents’ claims and children’s claims, so get advice early rather than assuming you have extra time.