Injuries at School

“My daughter was injured playing softball at school.  She broke her ankle and needed a rod and pins inserted in her leg to repair it. Can she sue the school?”

Injuries incurred while engaging in recreational activities may lead to a successful claim against the school.  But while playing any sport, every particpant assumes that she or he will be subject to some risk that is not present in the classroom. The question of school liability comes down to handling the risk in the best way possible.

The standards for school conduct are different if the activity occurred during school hours in a physical education class versus an interscholastic competition. Besides seeing if written safety policies were followed, the court would have to look at the equipment involved (was it certified by the National Operating Commttee on Standards for Athletic Equipment?). Were the parents fully apprised of all the risks? How much training and experience did the coach have? Was the coach ever evaluated? Were there any prior complaints about the coach? If the safety equipment was certified, did the athlete have adaquate training so she knew how to use the equipement? Did the athlete have proper training to avoid injury? Was the athlete in good physical condition so she could avoid injury? Was the school equiped to render medical assitance so as to avoid further injury to the athlete?

There are many more areas of inquiry depending upon the cirmstances. Without spending more time discussing specifics, it is impossible to determine if the school was liable.

Notice to Insurance Carrier

“I received a letter from an attorney notifying me that someone fell outside my home when I wasn’t there. The letter is asking me to turn it over to my homeowner’s insurance carrier.  But why should I do that if I don’t even know if the accident really took place? Won’t my homeowner’s insurance rate go up?”

Yes, you should turn the letter over to your homeowner’s insurance carrier. The whole point of having homeowner’s insurance is to cover you for losses that arise on your property, even if you are not there. The insurance carrier has an entire claims department, eager to investigate the claim against you. The carrier also have attorneys that they are paying that will defend if the case against you goes to court. And, if you have a damages judgment entered against you, the carrier will indmenify you for your loss.

You should not worry about your insurance rate, you should worry about giving your insurance carrier timely notice of the claim against you. If you do not turn the letter over to your insurance carrier, you may lose the right to have the carrier investigate and defend the claim against you. All policies insist that the carrier receive timely notice of any potential claims against you covered by the policy. If you fail to turn over that letter from the attorney to your insurance company, and then, you receive a summons a year later, you could be facing a disclaimer.  A disclaimer means, you pay for your own lawyer and investigator and you pay any judgments against you.

The risk is not worth it.  It is much easier to fight a rate hike assesed against you for a bogus claim, than it is to fight the insurane carrier to defend you in a lawsuit because you failed to give it timely notice.