After the devastating accident that changed Demarion Pittman’s life, his family was devastated once again. They discovered the daycare center that injured him had no liability insurance to help with the medical bills. Demarion’s medical care reached more than a million dollars within a few weeks. Before The Pittman’s ever placed their children in this home daycare facility they asked about insurance. They were told about a homeowners and vehicle policy. Although the center did have coverage and the policy was in force, the homeowner’s policy had a business exclusion that would not pay out because there was a business in the home. After much research they discovered the State of Oklahoma did not require licensed daycare centers to carry insurance.
Edna Pittman contacted many legislators about changing this. Representative Mike Shelton answered the call. He delved in and helped Edna accomplish her goal of requiring centers to carry insurance.
It was never her goal to put people out of business or cause more financial burdens. Therefore they searched for coverage that would be cost effective to those businesses caring for children.
On April 22, 2008 Demarion’s Law was signed by Oklahoma Governor Brad Henry. It requires all daycare facilities carry a minimum of $200,000 in liability insurance.
This minimal coverage is not meant to completely heal the pain of a parent, but it will help relieve some of the financial burden of medical cost if their child is injured in a daycare facility.
Currently, there are more than 20 other states that do not require licensed daycare centers to carry insurance. It is Edna’s goal to have such laws in each and every state.
Unfortunately accidents happen, but a family should not lose their home because they are stuck paying medical bills that another person caused to their child.While the law did nothing for The Pittman families’ financial situation, they hope it helps the many families after theirs that might be affected by negligent acts of daycare providers.
States that currently have no laws requiring liability insurance for daycare facilities include- Alabama,Alaska, Arkansas, California, Connecticut, Delaware, District Of Columbia,Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Maine, Maryland,Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania,South Carolina, Utah, Wyoming, West Virginia, Virginia.
How can you help protect the children and their families in your State? Write your legislators. Make them aware. Demand that something be done to ensure there is recourse in the event of accidents or neglect.