Visitor Question

Tore ACL a second time…

Submitted By: Chris (Cincinnati, Ohio)

I recently tore my ACL for a second time after 10+ years. The first time was in high school football. I had it repaired and played college ball without any issues. Yesterday, I slipped down the stairs and tore my ACL for a second time.

Would an insurance company see this as a preexisting condition? Would they deny compensation for this? How do I pursue a claim like this? Thank you for any information you can provide.

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.

Answer

Dear Chris,

According to the Mayo Clinic, an ACL injury is the tearing of the Anterior Cruciate Ligament (ACL). The ACL is one of the major ligaments in the knee. ACL injuries most commonly occur during sports which involve sudden stops, jumping, or changes in direction such as basketball, soccer, football, tennis, downhill skiing, volleyball and gymnastics.

Your ACL injury will undoubtedly be considered a pre-existing injury.

If your fall was the result of a slippery or broken step, torn carpet, or other hazardous condition, you may have the basis of a personal injury negligence claim against the property owner. If this is the case, you can pursue the property owner for compensation relating to your injuries.

However, if your slip and fall was not caused by the negligence of a property owner, you may have to rely in your own medical insurance.

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: October 19, 2016

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