What a farce!! I selll insurance too!!

[CULater]

I think it would be clearer if everyone would think of the insurance as a liability policy covering ASA, the venue, the city, etc., instead of thinking it is a medical policy to cover the player.
Sure there is potentially some secondary medical coverage involved but it is all to protect those involved in the hosting from losing their arses in court when someone gets hit by a ball or falls down and sues whoever has the deepest pockets.

So ASA/ PGF, the venue, the city, etc.. aren't required to purchase this liability insurance themselves?

[AlwaysImprove]

I think it would be clearer if everyone would think of the insurance as a liability policy covering ASA, the venue, the city, etc., instead of thinking it is a medical policy to cover the player.
Sure there is potentially some secondary medical coverage involved but it is all to protect those involved in the hosting from losing their arses in court when someone gets hit by a ball or falls down and sues whoever has the deepest pockets.

So ASA/ PGF, the venue, the city, etc.. aren't required to purchase this liability insurance themselves?

They do buy their own. They get a substantial discount for having a risk reduction plan in place. That will include like having procedures in place for having good working equipment, removal of hazards like burnable items, etc. That also includes getting copies of liability insurance from any organization using their facilities.

The cities insurance covers them from negligence, it does not necessary cover a place where a coach is being negligent. For instance a coach tees off on a pop fly, but it is a little low and hits his pitcher (actually happened here last year). In that case pitchers parents could go after the organizing body and the coach. Coach for being negligent. Organizing body for having negligent coaches around. If the organizing body is a city rec league, then city could get brought in that way. But most cities have gotten rid of leagues for this reason.

Most homeowners policies have limited liability waivers attached to them that would cover this situation. Adult leagues all found out and now have a significantly reduced price for their coverage. From ASA adult insurance "Adult Teams: Use Waiver and Release Roster Forms for an even lower premium!" So, not only do you not need three, you do not even need the one that you have, and they are all over priced, and will never ever never pay a claim.

[Iluvblue]

I have had 3 players use the ASA policy. one was for a blown knee. If a kid has no insurance, the ASA policy becomes their PRIMARY.

That insurance DOES NOT cover those hosting a tourney. If someone gets drilled by a foul ball, the fact that the players are insured will not protect the people running the tourney from getting sued. They must carry their own insurance, as does the facility.

The policy is a good one, and the fact that players dont use it is simply a product of the number of teams and coaches that probably dont even know how it works. Not surprising considering how many people DO NOT attend the travel ball meeting anymore.

So you paid your deductible and that was that. You should have turned the injury report in to your ASA commissioner and let them pass it on to Bolingers. You would have been reimbursed for your deductible... but hey, that policy sucks, so why use it.

[AlwaysImprove]

Did those kids parents have medical insurance?