Liability for laptop damage: What now?

Questioner

My wife is divorced and her 15 year old daughter lives with us, she is with her father once every two weeks. She dropped her father's laptop in his house during a weekend when she was there, and now he thinks we should pay for this damage through our family insurance. he also has a family liability insurance. The parenting plan does state: the mother will arrange third-party liability insurance for the children that applies to both addresses. Is damage caused by one's own children not excluded?' Isn't it often the case that with a home contents policy this damage is reimbursed at new value and with third party liability at current value or new value minus depreciation? then he might as well use his own household effects. I would like to hear it

Lawyer

There is no liability, insurance cannot compensate for the damage on that basis. A WAP policy usually does not cover damage caused by family members. This type of damage is also definitely not covered by home contents insurance. http://www.consumentenbond.nl/a liability insurance-particulieren/extra/covering-a liability insurance/ Legally, your daughter is liable for the damage to the laptop on the basis of the tort, but because she is still a minor, that liability passes to her parents (with parental authority). As a result, the father will have to pay for the damage to the laptop himself - possibly together with the mother.