I started diving off of starting blocks when I was eight years old. I am now 51, and train at the Y, almost always alone, as there is no Masters program in the county where I live, or in any of the immediately adjacent counties. (There are several age group programs.) I want to work on my starts, but none of the Y's where I swim will let me use the blocks - saying that a national Y policy prohibits anyone from using the blocks unless a team/club coach is on the deck.
I have never heard of anyone suing a YMCA because of an accident on a starting block.
Yes, perhaps a coach would be valuable to me in this regard, but I'm not looking for a coach - I need and want a cooperative facility. The age groups' program schedules are not conducive to my schedule, and besides, the age group coaches already have enough on their hands during those times with lanes full of kids working their programs. I also am not excited about having to dodge those kids to do the work I need to do.
Anyone find a way to conquer this litigation-fear-induced insanity yet? Thank you.
Originally posted by botterud
I'd venture that the insurance carrier while collecting huge premiums demands that the Y eliminate that activity, and others, to reduce it's own risk and build profits . . . all the while blaming trial lawyers.
The perception that insurance companies arbitrarily collect huge premiums is as far fetched as thinking it is McDonald's fault for serving hot coffee to people who spill it on themselves.
If you knew even the first thing about insurance, you'd understand how premiums are rated and subsequently charged. Premiums are based on risks, experience and costs associated with those risks. Rates in most states are state approved for most lines of business, hence the office of Insurance Commissioner.
Also, as a trial lawyer, what is among the first things you do when suing someone? You send a request to their insurance carrier for policy limits. Often makes me wonder how many people without insurance you sue. You'd almost have to agree that your livelihood depends solely on the existence of insurance, huh?
Originally posted by botterud
I'd venture that the insurance carrier while collecting huge premiums demands that the Y eliminate that activity, and others, to reduce it's own risk and build profits . . . all the while blaming trial lawyers.
The perception that insurance companies arbitrarily collect huge premiums is as far fetched as thinking it is McDonald's fault for serving hot coffee to people who spill it on themselves.
If you knew even the first thing about insurance, you'd understand how premiums are rated and subsequently charged. Premiums are based on risks, experience and costs associated with those risks. Rates in most states are state approved for most lines of business, hence the office of Insurance Commissioner.
Also, as a trial lawyer, what is among the first things you do when suing someone? You send a request to their insurance carrier for policy limits. Often makes me wonder how many people without insurance you sue. You'd almost have to agree that your livelihood depends solely on the existence of insurance, huh?
