What is the name of your state (only U.S. law)? georgia. son was on field trip bus and teacher took his ipod. it was stolen from her bag. school says their insurance won't cover it, it was my sons fault because he shouldn't of had it. teacher says she will only pay $150. there is over $200 in the darn thing! what she offers doesn't even include tax. she wrote the check and i have it. what should i do? this has been dragging on for over a month. seems to me she was the irresponsible one and has a severe case of neglect.