What the police report says is one piece of the puzzle; what actually matters for your claim is who was legally negligent, what insurance policies apply, and whether evidence gets preserved fast. So yes - if insurers are all pointing fingers, that usually means there may be more than one responsible party, not that your child is out of luck.

The better question is: Which company or agency has coverage, and what evidence proves each one's share of fault?

In a Kenosha school bus crash during heavy rain or flash-flood conditions, possible defendants can include the bus driver, the school district or private bus company, another driver who hydroplaned, and sometimes a maintenance contractor if tires, brakes, or wipers were bad. Wisconsin does not let insurers just stall forever because they're fighting among themselves.

Wisconsin follows comparative negligence. If multiple people contributed, fault can be divided. And if one defendant is found 51% or more at fault, that party can face joint and several liability for the full damages, not just their slice. That matters when one policy is small. Wisconsin's minimum auto limits are only $25,000/$50,000/$10,000, and that $10,000 property-damage minimum is especially low.

If the bus was run by a public school district or local government, there is a separate trap: a notice of injury usually must be served within 120 days under Wisconsin law. Miss that, and the case gets harder fast.

Right now, the practical moves are to lock down:

• the bus camera video
• driver logs and dispatch records
• vehicle maintenance records
• 911 audio and crash reconstruction material
• your child's medical records tying the injuries to this crash

Also watch for subrogation. Your health insurer, BadgerCare Plus, or another carrier may later demand repayment from any settlement. That is normal, but it should be tracked early so the insurance companies don't use that mess to pressure a cheap payout.