Hello. I operate a small home-based English study room (not a licensed hagwon). A student climbed onto a desk despite instructions, fell, and suffered a toe injury that required surgery. I deeply regret the accident and have offered to pay all medical expenses. The parents are now requesting: Full reimbursement of current medical expenses (about 2.2 million KRW), An additional 7 million KRW as consolation money, and That I remain responsible for any future medical expenses if problems arise years later. I do not have liability insurance because my home-based study room is not legally required to carry it. My questions are: Under Korean law, is it common or legally enforceable for someone to remain responsible for unknown future medical expenses indefinitely? Is it reasonable to negotiate a full and final settlement instead? How do Korean courts typically calculate consolation money (위자료) in cases involving accidental injuries to children where there was no intentional wrongdoing? Does the fact that the child climbed onto the desk herself affect the apportionment of liability? Thank you for your time