I am sorry to hear about this and hope your son has a full recovery. It is most likely that you will be responsible for his medical bills related to his treatment of this injury which occurred at school. It sounds like he was voluntarily throwing the football with a classmate and he injured the finger while doing such. It doesn't sound like anyone was at fault. Most schools have limited liability for injuries under state and government laws and it doesn't seem like they were at any fault. In sum, I believe that you will be responsible for the medical bills that your insurance doesn't cover. Best of luck.
NOTE: This response is general in nature and should not be considered legal advice. No attorney-client relationship exists or is formed by this response.
Answered on May 06th, 2013 at 3:21 PM