College Accident Insurance for Volleyball Injury?

by Stephanie
(Duluth, MN)

My 21 year old daughter is a senior in college and was playing volleyball in the school's gym when another student threw the ball at her. Her thumb and index finger were broken and need surgery to reset. Her health insurance policy has her paying 20% of all costs and everything above $25,000 total.

Does the school typically have accident or liability insurance to cover her portion of the costs? Her portion could be $8,000 and she doesn't have that kind of money. This incident occurred in the state of Virginia. Thanks.

Visitor Question:
Disclaimer: Information provided in our response is NOT formal legal advice. It is generic legal information based on the very limited information provided. Under no circumstances should the information in our response, or anywhere else on this site be relied upon when deciding the proper course of a legal matter. Our response does NOT create an attorney-client relationship. Always get a formal case review from a licensed attorney in your area.

ANSWER for "College Accident Insurance for Volleyball Injury?":

Stephanie (Duluth, MN):

Contact the school. Most colleges normally have property liability insurance. That type of insurance is similar to homeowners insurance in that negligence is not necessarily a prerequisite for coverage.

The claims process doesn't necessarily have to be adversarial. Contact the Dean's Office and explain what happened. Tell them you don't have sufficient insurance coverage and you would like them to assist you with the medical bills.

Before contacting them make sure you have as much medical information about your daughter's diagnosis and prognosis. You want to be sure the school's insurance company understands the seriousness of the injury.

Also make sure your daughter's injuries are fully understood by you so you can answer any questions the school or their insurance company have.

Once you contact the school they may tell you to wait to be contacted by their insurance company. Once they tell you that you will have to wait and discuss the entire matter with the insurance company's Claims Adjuster. Unfortunately, because your daughter was playing a sport when she was injured, they may assert she assumed the risk of injury. In that case, winning a claim will be tougher.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

P.S. Please help us out by sharing this site...

Click here to post comments

Return to Sports Injury Claim Questions.

How Much Is Your Claim Worth?

Find out now with a FREE case review from an attorney...

How Much Are Your
Injuries Worth?

Find out with a
free attorney review:

TYPE OF ACCIDENT
AUTO ACCIDENT
PERSONAL INJURY
WORKERS COMPENSATION
MEDICAL ERROR
YES! I WANT FAIR COMPENSATION