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A Guide To Personal Injury Settlements For Minors

Last updated: January 9, 2024

In the vast realm of personal injury claims, cases involving minors come with a unique set of complexities and considerations. Minors, individuals under the age of 18, often require special protection when it comes to legal matters, especially when they've suffered personal injuries due to the negligence or actions of another. This guide sheds light on the intricacies of personal injury settlements for minors.

What To Know About Minors' Claims

Unlike their adult counterparts, minors lack the legal capacity to file a lawsuit or settle a claim autonomously. In most scenarios, a guardian or parent represents the minor, advocating for their best interests throughout the legal progression.

Differences Between Adult and Minor Claims

While the foundational premise of the injury claim remains consistent, critical differences set apart adult and minor claims:

  • Legal Representation: While you are still free to choose a professional legal council like the personal injury lawyers in Columbia SC just as you otherwise would minors mandate a guardian or parent to act on their behalf, ensuring their welfare during settlement procedures.

  • Duration of the Statute of Limitations: The clock for filing lawsuits often starts ticking only when the minor reaches adulthood—typically 18. This provision extends the timeline, offering minors ample opportunity to claim.

The Role of Guardians in Minors' Claims

Guardians shoulder the paramount responsibility of prioritizing the minor's well-being. They must:

  • Document the Injury: A systematic record can be pivotal during claims.

  • Seek Medical Assistance: Immediate medical intervention is crucial, not only for the child's health but also for legal documentation.

In situations of potential conflict of interest or guardian negligence, courts might designate an independent guardian for the minor.

Common Injuries Among Minors

Children and adolescents, with their boundless energy and inquisitiveness, are naturally prone to injuries. However, certain situations can elevate these risks. Understanding the common sources of these injuries can help caregivers and guardians better protect these young individuals.

Sports-related Accidents

The thrill of sports often comes with its share of risks, especially for young athletes:

  • Soccer: The world's most popular sport sees its fair share of injuries. Slide tackles, head-on collisions, or improper use of equipment can lead to fractures, sprains, or even more severe injuries like ACL tears.

  • Football: This high-contact sport can result in a range of injuries, from bruises and sprains to concussions and spinal injuries. Despite protective gear, the sheer physicality and speed of the game pose significant risks.

  • Basketball: Jumping, rapid directional changes, and close quarters can lead to ankle sprains, finger fractures, and even head injuries when collisions occur.

School or Daycare Incidents

Educational institutions are meant to be safe havens, but accidents can occur:

  • Lack of Supervision: Unattended playgrounds or classrooms can be sites for falls, fights, or other injuries. It's crucial for supervisors to maintain a close watch, especially during high-energy activities.

  • Faulty Equipment: Broken swings, protruding nails, or unstable structures can be hazardous. Regular inspections and maintenance are essential to ensure children's safety.

  • Playground Injuries: From monkey bars to seesaws, playground equipment, if not used correctly, can result in fractures, cuts, and head injuries.

Vehicle Accidents

The road can be a perilous place for minors:

  • Passenger Injuries: Children, especially if not secured in age-appropriate car seats or boosters, are susceptible to injuries during collisions.

  • Young Drivers: Inexperienced teenage drivers, often prone to distractions or underestimating dangerous situations, can get involved in accidents, risking injuries to themselves and others.

Faulty Products

Children are often the target audience for countless products, but not all are safe:

  • Toys: Small detachable parts can be choking hazards, while sharp edges might cause cuts. Furthermore, toys with toxic materials can pose severe health risks if ingested or touched.

  • Equipment: Items like trampolines or bicycles, if not designed or maintained well, can be sources of significant harm. It's imperative to ensure that products adhere to safety standards and are age-appropriate.

Court Approvals

An added measure of ensuring the minor's interests is the requirement of court approvals in many jurisdictions. This process guarantees that settlements are fair, adequately reflecting the minor's needs, and are not hasty or undervalued.

Structured Settlements

A lump sum might be overwhelming or mismanaged, given the minor's age. Instead, structured settlements distribute amounts at designated intervals, catering to long-term medical, educational, or personal needs.

Managing Settlement Funds

To prevent misuse, court-sanctioned funds for minors are usually secured in blocked bank accounts. Disbursements align strictly with court approvals, safeguarding the finances for the child's necessities like healthcare or education.

Psychological and Emotional Dimensions

When a minor experiences an injury, immediate physical harm is often what draws the most attention. However, beneath visible wounds and fractures, there may lie deeper, more insidious traumas – those of the psychological and emotional kind.

In many cases, the traumatic event that caused the injury leaves an indelible imprint on the young mind. This can lead to a myriad of issues, such as post-traumatic stress disorder, anxiety, depression, or even a deep-seated fear of situations that remind them of the incident. For instance, a child involved in a car accident might develop an irrational fear of vehicles or travel. Another injured during a sporting event could shun physical activity, associating it with the pain and trauma they experienced.

Moreover, the prolonged medical treatments, hospital stays, or physical therapy sessions can become sources of stress, creating feelings of alienation or otherness when compared to their peers. The child may feel isolated, unable to participate in activities they once loved or facing undue attention due to their injury.

Considering these profound emotional and psychological impacts, it becomes evident that settlements should not only address immediate medical expenses. They must also anticipate the potential need for long-term therapy or counseling. This holistic approach ensures that the injured minor receives comprehensive care, addressing both the evident physical injuries and the hidden emotional wounds.

Legal Representation: A Non-Negotiable

Navigating the maze of minor injury settlements demands expertise. Teaming up with a seasoned attorney guarantees that the minor's rights remain uncompromised, ensuring they secure a just settlement.

Frequently Asked Questions About Personal Injury Settlements for Minors

1. What happens if a minor's guardian misuses the settlement funds?

If a guardian misuses the settlement funds meant for a minor, legal repercussions can follow. The court can hold the guardian legally accountable for the misappropriation of funds. Moreover, the court may also appoint a different guardian or conservator to manage the minor's funds or move the funds to a more secure, court-controlled account to prevent further misuse.

2. Can a minor's settlement be used to cover family expenses or debts?

No, a minor's settlement is strictly earmarked for the benefit of the minor. This includes expenses directly related to the injury, such as medical bills, therapy, education, and other necessities. It cannot be used to cover unrelated family expenses or debts. Any disbursement from the minor's account typically requires court approval ensuring that funds are utilized appropriately.

3. What if the minor disagrees with the settlement once they reach adulthood?

Once a settlement is finalized and approved by the court, it is legally binding. This means that when the minor reaches adulthood, they typically cannot contest the previously agreed-upon terms. However, they can seek legal counsel if they believe there was negligence, misrepresentation, or fraud involved in the initial settlement process.

4. Are there tax implications for settlements received by minors?

Settlement amounts can have tax implications depending on the nature of the compensation. For instance, compensations for physical injuries are generally not taxable. However, interest on the settlement, punitive damages, or compensation for emotional distress (without a physical injury) might be subject to taxation. It's always advisable to consult with a tax professional to understand the specifics of a particular case.

5. If the minor moves to a different state, do the rules about their settlement change?

While the settlement's terms remain consistent, the management of the funds could be influenced by the laws of the new state, especially regarding disbursements or the age of majority. However, the original court that approved the settlement retains jurisdiction over it. It's crucial to stay informed and possibly consult with an attorney in the new state to understand any nuances or changes in procedure.


Addressing personal injury settlements for minors demands a fine-tuned amalgamation of legal expertise and genuine concern for the minor's welfare. A clear understanding of protective legal provisions, coupled with the advocacy of an experienced attorney, ensures the minor's current and prospective needs are judiciously met.

Unveil the factors that determine the value of a slip and fall claim and learn how you could secure the compensation you deserve in this guide by Disability Help.

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Chloe Powers
Chloe works with policymakers on behalf of Disability Help to support their work at a strategic level, ensuring the conditions are in place for creative individuals and organizations to grow, reach their potential and effect relevant, sustainable change.
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