My question involves Illinois personal injury law with regard to a minor. I am dealing with my neighbors homeowners insurance because their daughter threw a phone out from behind the couch and it broke off 3/4 of my daughter's adult top front tooth. There will be ongoing cosmetic dentistry needed in my daughters lifetime, with the first crown not being able to be placed until she is 17 or 18 years old. I know that Illinois law provides my daughter till 2 years past her 18th birthday to file suit on this if I do not settle on her behalf. But if we opted to go this route, would the insurance company have to pay any direct dental costs incurred as a result of this injury during the period till she turns 18? she is only 11 now.