My son ran into an after school care worker (with a large belt buckle) when he was in primary school (he is now 16). He has had root canal, fillings and crowns which the insurance company paid for his bills. They would like to pay him out for any future costs (which he has received a quote from the dentist). I have heard of an infant settlement, could you please explain? Would we have to go through the courts and also would I have to act as trustee for him until he is 18 (even though he may need treatment on his teeth before then)? Many Thanks.