On a recent episode of the Law Show, Derek Mah and I discussed some of the personal injury issues that tend to arise in the summer months. If you’re interested in watching the full episode, a link to the video can be found below.
Excess Under-insured Motorist Protection
We have mentioned the importance of paying for under-insured motorist protection (“UMP”) in the past. However, this coverage is particularly important to have during the summer months due to the increased likelihood that you will be traveling outside of British Columbia.
In essence, UMP insurance provides additional coverage when you are struck by an uninsured or under-insured vehicle. Taking into consideration the fact that many vehicles In the US are grossly under-insured, make sure that you have maximized your UMP insurance before heading across the border on a road trip.
Maximizing Liability Coverage
People often fail to recognize that many of the benefits included in homeowner’s or tenant’s insurance extend far past the property line. By maximizing your liability coverage within these policies, you will protect yourself in a variety of circumstances that might prove incredibly important down the road. For instance, a recent client of ours who was injured at a beach volleyball tournament was able to receive compensation through a homeowner’s policy.
During the summer months, it’s likely that you’ll be taking part in some kind of water sport. Firstly, if you are the owner of a boat or Sea-Doo then it is important that you make sure the vehicle is insured. Usually, you can include the vehicle in an existing policy; however, you may have to insure the vehicle under a separate policy. Regardless, make sure that you have coverage before hitting the water.
It’s also important to emphasize the value of vigilance while engaging in water sports. If you are with young children, keep an eye on them at all times. We have encountered far too many personal injury claims that are the result of unsupervised minors. Even if there are no children around, it’s important to make sure that the area is clear of potential hazards. For instance, keep track of all your ropes and equipment if you are tubing or water skiing. It’s not uncommon for us to encounter a client that is snagged by a wayward line, drawn into the water and injured as a result.
Summer Camps and Waivers
A common question that we get asked by friends during the summer months is how to handle the different waivers that are inevitably encountered when signing kids up for camp. It’s important to recognize that a parent cannot waive a child’s legal rights to make a claim for compensation in the event that that child is hurt. In essence, these forms are legal artifacts with limited force. With some small exceptions you should not be overly concerned about signing such documents (note: you should still read these documents over thoroughly).