The CAP on parental liability for juniors tort act might be as low as $1000 per person
Appears to be the PA limit per 23 PA Code 5502, 5505 with liability imposed on parent when child is found liable or adjudged guilty of tortious act that causes injury to another person.
must be something else that warrants legal attention?
The typical homeowners and renters liability insurance defines "insured" to include:
- You and residents of your household who are: (1) Your relatives; or (2) Other persons under the age of 21 and in the care of any person named above.
To the extent that a child can be legally liable for negligence, the policy would provide coverage up to the liability limit for acts of negligence, but not intentional acts.
So, basically, the injured person would sue the children for negligence and include the parents as defendants under some sort of negligent entrustment theory. Negligent entrustment, if provable, could eliminate the $1000 cap if the parents were adjudged negligent even if the children weren't. I think the cap wouldn't apply to the parents' own negligence.
And Medical Payments coverage would provide coverage for medical bills incurred by a guest as a result of injury regardless of fault, but coverage would generally be limited to $1000, $5000 or $10000.