Keeping your children safe is one of your top priorities as a parent. However, almost anything can become dangerous in the wrong situation. Trying to decide what to focus on or address as a parent and what is unlikely to cause issues can be a real challenge.
Exploring what kinds of incidents cause the most hospitalizations and medical costs can help you focus on better safety practices for your family.
Two risks top the list
In an analysis of the medical costs from a single year’s worth of childhood and teenage injuries, two of the biggest risk factors tied for first place. Each of them resulted in approximately $1.1 billion worth of expenses.
Teen occupants (15 and over) getting hurt in motor vehicle crashes and falls of children of any age have roughly the same financial impact. These two scenarios lead to just under a third of the total reported medical costs caused by childhood injuries.
What other dangers should parents watch out for?
Vehicles and stairwells aren’t the only dangers that send children to the hospital. Other major causes of expensive medical care for teenagers and children include assault, self-harm (for those ages 10 to 19), child occupants (14 and under) in vehicles, poisoning, drowning, burns and struck by/against incidents.
These causes combined make up about another third of the annual injury-related hospitalization costs for children. Having good safety rules for vehicles could help protect your family, as could gates, grabrails and other household safety devices.
Despite your best efforts, you can’t protect your children or even yourself from every risk. When someone else is clearly at fault, like when a reckless or negligent driver crashes in to your family van, either insurance policies or a personal injury lawsuit may help you cover the costs of any injuries or property damage suffered by your family.