On US-13 in Milford after a black-ice crash, an adjuster pushing you to sign fast is a red flag, especially when a child was hurt.

1. Your child usually does not sign or file the claim alone. A parent or legal guardian handles the injury claim for a minor in Delaware. If your child was hit by a service truck, utility truck, or another driver during winter conditions, the insurer knows they must deal through an adult. That does not mean they get to rush you before the full medical picture is clear.

2. A minor's settlement may need court approval. In Delaware, when a child's injury claim is settled, court approval is often required for larger settlements, and the money usually cannot just be handed over like an adult claim. Depending on the amount, funds may need to go into a restricted account, custodial account, or guardianship arrangement through the Delaware Court of Chancery. If an insurer is acting like you can wrap it up with a quick release, that is often because they want the claim closed before anyone asks harder questions.

3. The injury deadline is different for your child, but not everything is paused. For many Delaware personal injury claims, a minor's statute of limitations is tolled until age 18, which can mean time remains on the child's claim after that. But your own related claims as the parent - like out-of-pocket medical costs or lost work time - may still face the normal 2-year deadline. Delay can cost part of the case even if the child's claim survives longer.

4. School and daycare cases can get complicated fast. If this happened in a school pickup line, daycare lot, or on a school-related trip, liability depends on whether it involves a private daycare, private school, or public district. Public entities raise immunity defenses early. Private facilities usually face ordinary negligence rules. Either way, camera footage, incident logs, and snow-removal records disappear quickly.

5. Move now on proof, especially in winter-road crashes. Get the Delaware State Police crash report, names of witnesses, photos of the vehicle, and any records showing salt, plowing, or visibility conditions. On roads like US-13 Dupont Highway, where winter weather and heavy traffic already make crashes worse in Kent County, evidence goes cold fast even when the child's deadline does not.