School District. If the school bus is owned, operated, or retained by a public school district, then the school district could be held liable for the personal injuries and damages IF it can be proved that the bus driver was negligent AND / OR there was negligence involved with the maintenance of the bus that was a contributing cause of the crash.
Private School Bus Company. If the school district contracts out to a private school bus company, the private school bus company may be liable if there was negligent driving OR negligent maintenance that was a contributing cause of the crash. The private school bus company, if hired by a public school district, may be able to avail itself of some of the protections of the school distrct as a public entity. As such, further evaluation and analysis are warranted under these circumstances. If a private school retains the private school bus company, no such protections are afforded the private school bus company.
School Bus Insurance. Many public school districts are self insured. Many are insured through an insurance fund or company. While the school bus insurance is not a party to the case or action per se, it can be a funding source for medical bills, personal injuries, and related damages.
At-Fault Driver (Other Than School Bus Driver). If the crash is caused by the negligence of another driver, then a case or claim can be pursued against the at-fault driver.
At-Fault Owner (Other Than School Bus). If the crash is caused by the negligent driving of a vehicle that is owned by another person, then the owner of the vehicle under Florida Law and the Dangerous Instrumentality Law can also be held liable or responsible for the personal injuries and related damages.
Insurance Company for the At-Fault Driver. Again, an insurance company is not necessary a party or responsible entity except for the payment of medical bills, personal injuries and related damages.
Insurance Company for the At-Fault Owner. This may be another payment source if the At-Fault Driver and the At-Fault Owner have different insurance policies.
Insurance Company for Parents of the Injured Child. There also may be insurance coverage afforded the injured child under a parent's insurance policy even though the child at the time of the crash was occupying a school bus and even though the parent's vehicle at nothing to do with the crash.
In St. Johns County, Florida, a recent crash was reported in which 1 child was airlifted from the crash scene and 4 children were transported from the crash scene. In the initial news reports, there was no detail as to the cause of the crash or responsiblity for the crash. There was graphic photograph showing a significantly damages school bus and a group of trees. The impact looked quite severe. A typical morning for the children on this school bus turned quite tragic in the form of this terrible school bus crash. See Children Injured in School Bus Crash in St. Johns County Florida.
The book - When the Wheels Stop Spinning - Legal Rights of the Injured Child - What Parents Need to Know After the Accident - has information for dealing with the challenges of a school bus accident and other crashes. You can get this book for free at When the Wheels Stop Spinning.