On the day of the formal accountability meeting, the conference room was packed with parents.Three documents sat on the table: the accident report, a preliminary breakdown of the damages, and the insurance adjuster's findings.Mr. Cross slid the cost summary across the table."Vehicle repairs and write-off losses, property repairs, suspended training losses, medical examinations, and compensation for the custodian. The current estimate is $396,000."The room erupted."How can it cost that much? Is this driving school trying to rob us?""They're just kids! They only drove a couple of laps! How does that turn into hundreds of thousands of dollars?""What about the insurance?"The insurance adjuster opened his report."Coverage only applies to legal, authorized training sessions. Stealing the keys, driving after hours without authorization, and livestreaming the incident fall outside the policy."His words silenced the room.Mr. Vaughn's face darkened. "Your school also failed
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