Skydiving and Insurance ?

[jumpwally 0]

Should you be allowed to skydive without insurance? Common sense would say no,,and not to mention your financial future. What do you all think?

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[Gravitymaster 0]

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Should you be allowed to skydive without insurance? Common sense would say no,,and not to mention your financial future. What do you all think?

Who should stop you?

[flyangel2 2]

Wow, this subject again? It has been beaten to death here.

May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey

[Gravitymaster 0]

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Wow, this subject again? It has been beaten to death here.

So have hundreds of other topics. Since when did that ever stop us?

[flyangel2 2]

Your right.

May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey

[jakee 1,594]

Personal injury or third party?

Do you want to have an ideagasm?

[rehmwa 2]

Flood insurance?

...
Driving is a one dimensional activity - a monkey can do it - being proud of your driving abilities is like being proud of being able to put on pants

[mr2mk1g 10]

what kinda insurance?

[jakee 1,594]

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Flood insurance?

Nah, it would be immoral to have flood insurance.
Floods are acts of god.

Do you want to have an ideagasm?

[loflyer 0]

I don't feel that people should "Have" to have medical insurance before skydiving, but I think people ARE made aware of the dangers of skydiving & by signing the waivers have chosen of their own free will to do it anyway. A friend of mine was injured 2 weeks ago, he is still in the hospital, & he has "NO INSURANCE".. His bill is already at $70,000 plus! And yes.. this will cause him a financial hardship for a long time!

[flyangel2 2]

Responsible people get insurance before getting involved in a high risk sport. It's all about priorities. If you can't afford insurance, then you shouldn't be jumping or doing any other high risk sport. We as tax payers end up footing the bill for the clowns that don't get insurance. Budget! Maybe instead of making six jumps in a day, the person makes four, that's what a budget is.

I'm sure your friend will have some kind of benefit throw for him to help him raise some money. That's what most skydivers think anyway

May your trails be crooked, winding, lonesome, dangerous, leading to the most amazing view. May your mountains rise into and above the clouds. - Edward Abbey

[AndyMan 7]

I think it's only a matter of time before a hospital sues a DZ to recover to cost of an uninsured skydiver getting a chopper flight.

When that happens, the decisions will be made for us, and you won't be able to find a DZ anywhere in the US that will allow you to jump without it.

_Am

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You put the fun in "funnel" - craichead.

[DrunkMonkey 0]

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I think it's only a matter of time before a hospital sues a DZ to recover to cost of an uninsured skydiver getting a chopper flight.

By that logic, one would be able to sue the dealership who sold you a car that you subsequently wrecked...

Tort reform would help this situation, but that has far too much potential to be exploited by Corporate America...

[AndyMan 7]

A skilled attorney could place a share of blame on a DZ if someone hooks in under a canopy they shouldn't be jumping, moreso if the DZ sold it to him.

Any bit of torn reform I've ever heard of wouldn't change that.

Remember that the hospital isn't a party to the waiver.

_Am

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You put the fun in "funnel" - craichead.

[dorbie 0]

I jump with a reserve and AAD does that count?

[kelpdiver 2]

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I think it's only a matter of time before a hospital sues a DZ to recover to cost of an uninsured skydiver getting a chopper flight.

When that happens, the decisions will be made for us, and you won't be able to find a DZ anywhere in the US that will allow you to jump without it.

Hospitals/Health insurance cos already ask you if there is someone they can sue for injuries you might have sustained. So having the insurance doesn't really change that equation, just the party on the other end.

The reason not to jump without insurance may be more about the marginal accidents - your foot is swelling up and you don't know if it's broken or merely bruised, and you're reluctant to go to the ER to find out. Delaying can increase the damage greatly. In a bad accident, you will be going, and then likely declaring bankrupcy (unless the new legislation will prevent that).

I'm not worried about the societal burden given the much worse abusers out there. Massively obese insured people and drunk/reckless uninsured drivers come to mind.

[AndyMan 7]

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Hospitals/Health insurance cos already ask you if there is someone they can sue for injuries you might have sustained. So having the insurance doesn't really change that equation, just the party on the other en

The Insurance company is acting as the jumpers agent, and thus would be bound by the waiver. When the insurance company sues, technically the insurance company sues on behalf of the injured.

If the jumper doesn't have insurance, the hospital is not a party to the waiver.

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You put the fun in "funnel" - craichead.

[kelpdiver 2]

I think you're right there. There is a distinction.