A. Information about daycare insurance
https://www.trustedchoice.com/small-business-insurance/children-pet/daycare
B. 受伤赔偿的数目，包括medical expense, lost income and pain and suffering
(1) medical expense, is the actual cost you and your insurance paid to the doctors. If your health insurance paid for majority of the cost, you can direct the daycare insurance to pay that portion directly to your health insurance.
(2) lost income, 你这几天最好请假照顾孩子，要对方赔偿工资。
(3) pain and suffering. for flesh wound, pain and suffering is 3-5 times medical expenses. In your case you can start with 5 times and negotiate from there.
C. Example
Let's say your emergency room cost and follow up medical expense ends up to be $5000. Let's say you ended up with deducitble and copay of $1000.
Your total compensation would be:
$4000 to your health insurance company, and $1000 to you as medical expense.
lost income = # of days missing work x daily salary
pain and suffering between $5000* 3 ($15000) to $5000*5 ($25,000)
你要问幼儿园有没有疏忽，关键在于他们能不能预见书架会伤人，不知道前因后果不好说谁会赢。真打起官司来一地鸡毛两败俱伤，所以保险公司会选择和解赔偿。
你心疼我非常理解，但是法律上只能是赔偿金额。那些撞车死了孩子的人找谁把孩子要回来？只能拿赔偿然后一辈子难过。法律是有限的。
