 |  Essentials of Athletic Training, 5/e Daniel Arnheim
William Prentice,
University of North Carolina
Legal Liability and Insurance
Chapter Overview- A great deal of care must be taken in following coaching and athletic training procedures that conform to the legal guidelines governing liability.
-
Liability is the state of being legally responsible for the harm one causes another person. The standard of reasonable care assumes that a coach acts according to the reasonable standards of care of any individual with similar educational background or training.
-
A coach who fails to use ordinary or reasonable care-care that persons would normally exercise to avoid injury to themselves or to others under similar circumstances-is deemed negligent.
-
Although athletes participating in a sports program are considered to assume a normal risk, this assumption in no way exempts those in charge from exercising reasonable care.
-
Coaches can significantly decrease risk of litigation by making certain that they have done everything possible to provide a reasonable degree of care to the injured athlete.
-
The major types of insurance that coaches should be familiar with are general health insurance, catastrophic insurance, accident insurance, and liability insurance, as well as insurance for errors and omissions.
-
Third-party reimbursement is the primary mechanism of payment for medical services in the United States. A number of different health care systems-including health maintenance organizations, preferred provider organizations, point of service plans, indemnity plans, and capitation plans-have been developed to contain costs.
-
It is essential that the coach or athletic trainer file insurance claims immediately and correctly.
|
|
2002 McGraw-Hill Higher Education