Various reports show that over 3.5 million children that are below 14 years are injured every year due to one or more sporting activities, about 1/3 of all the injuries that occur during childhood is as a result of sport activities. When it comes to child injuries there are different types of insurance coverage for parents, administrators and coaches. The type of injury and the scenarios often affect your insurance coverage, if you have kids you need to educate yourself on personal injury matters, if not you may end up paying a lot of bills for your kids.
Dealing with athlete injuries is a very challenging task for both parties, managing the risk of injuries can be somewhat difficult because sport injury is something that’s unavoidable and a lot of factors have to be taken into consideration when making claims for both insurance company and the court when a lawsuit arise. Both parents and board administrators have to keep their eyes open on their children. The best way to deal with the situation is to understand the safety and precautions of any sport before allowing your kids to enroll. You should also talk to your insurance companies to see how fully you’re covered so that you don’t end up spending much on out of pocket expenses.
Personal Injury – General Liability
There might be a situation when the sport organization or their employees are blamed for the injury expenses, in such a case what’s going to happen? If anyone is injured and it is as a result of negligence from youth sport organization, the general liability insurance will take care of all expenses on behalf of its employees which include coaches, volunteers and administrators. Also if you’re making claims against the organization you have to prove that there is negligence from their own part or from an employee, you should document any evidence you might have before filing a suit.
Factors That Lead To Breach In Sports Injury Lawsuit
Lack Of Supervision
Supervision is categorized into 2; the general supervision and specific supervision. The general supervision has to do with management level of sport tournament or organization; these are the administrators that are in charge of management responsibilities. It is their responsibility to come up with management plans that will provide the basic care needed to ensure the safety of kids.
Lack Of Instruction
Failure to give the right instructions to athlete can put in you in trouble. It is the responsibility of the coach to provide safety instructions, he is responsible for informing young athletes the sport practices that are safe to use. If any coach fails to teach the athletes the proper safety practices, the sport organization will be held responsible if an injury occurs and will be considered as negligence.
Refusal To Warn Against A Risk
If you reuse to warn against any risk associated with a sport, you may be subject to a lawsuit. Most of the time a form is provided to the athlete so that they can fully understand the risk associated with any game, administrators do this in order to protect themselves from lawsuits that involve risk warning negligence. Every administrator should document all the injury risk associated with any sport so that they can avoid getting lawsuits.
Improper Or Lack Of Injury Care
Before the commencement of any sport it is advised that every athlete should undergo a screening process before participating in any game. Administrators should provide all the necessary resources such as first aid box and other injury care resources that are needed for the safety of athlete. Board administrators can be at fault for not providing all the necessary on site treatment resources, improper injury is considered as negligence from the parties involved.
Equipment Related Injuries
If there is an injury that’s caused by any equipment, then multiple parties might be involved right from the manufacturers of the equipment if there is failure in production of the equipment, the coach can also be blamed if the equipment isn’t used properly.
If you still find it difficult to deal with a problem, why not hire a professional lawyer that fully understands how sport injury work so that they can give all the necessary advice that’s needed. Contact Massey & Duffy for a free consultation now and we’ll help you take care of any sport injury claims for your child with ease.