Visitor Question

College Accident Insurance for Volleyball Injury?

Submitted 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.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a local attorney.


Dear Stephanie,

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 a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: February 10, 2012

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