Broken Leg GAA

Blink182rock

Hello all,

I broke my leg playing a GAA final over a month ago..Since then I have returned to college for the last couple of weeks.

I live in an estate about 15 mins walk from the college at the bottom of a hill, which is physically impossible for me to walk up on crutches for a start and there's no buses down off the main road.

So because of this I have to get taxi's pretty much every day up to college unless the rare case where I get a lift.

I don't know who to really ask about this but I wanted to know is there somewhere in the GAA where I could apply to get some sort of payments or anything to help pay for the expenses?

Seeing as they are most certainly not short of cash!

Thanks for reading, hope someone can help!

Paulw

You will need to go through your local club. There may be an ability to make an insurance claim.

Talk to your club secretary.

NoQuarter

Section 6 of the Feeling Sorry for Myself Act, 2010.

Procrastastudy

Volenti non fit injuria?

Blink182rock

Paulw wrote: »

You will need to go through your local club. There may be an ability to make an insurance claim.

Talk to your club secretary.

Thanks, Ill give it a go!

Reloc8

Procrastastudy wrote: »

Volenti non fit injuria?

To be fair he's not asking about whether he can claim damages.

NoQuarter wrote: »

Section 6 of the Feeling Sorry for Myself Act, 2010.

FFS...

NoQuarter

Reloc8 wrote: »

To be fair he's not asking about whether he can claim damages.



FFS...

And a fantastic contribution by yourself.

Reloc8

:pac: We don't like being corrected do we.

NoQuarter

Is "FFS" a correction?

Bearcat

Have you ever broken your leg? The lad is only asking and not be hard ass@d off the forum.

Yeah FFS......re your comment

Blink182rock

Bearcat wrote: »

Have you ever broken your leg? The lad is only asking and not be hard ass@d off the forum.

Yeah FFS......re your comment

finally someone who isn't a gobsh1te..

I was only asking for some advice, went through a lot of pain and a lot of expense!

Procrastastudy

Blink182rock wrote: »

finally someone who isn't a gobsh1te..

I was only asking for some advice, went through a lot of pain and a lot of expense!

I think your Gob***** detector is off. I generally find a good calibration can be found with people who play non-professional sports and then sue the clubs when they get injured.

At best it will mean a massive hike in their insurance and worse a closed club. I had a very bad injury almost 20 years ago playing rugby which still gives me (minor) issue to this day. It didn't even occur for me to sue the club.

shaneybaby

Procrastastudy wrote: »

I think your Gob***** detector is off. I generally find a good calibration can be found with people who play non-professional sports and then sue the clubs when they get injured.

At best it will mean a massive hike in their insurance and worse a closed club. I had a very bad injury almost 20 years ago playing rugby which still gives me (minor) issue to this day. It didn't even occur for me to sue the club.

Why would he sue the club? Just go off the club's insurance, that's what it's there for. It'll hardly be something to hike their insurance at all really, that he got injured playing the game rather than something outside of the norm.

Reloc8

Procrastastudy wrote: »

I think your Gob***** detector is off. I generally find a good calibration can be found with people who play non-professional sports and then sue the clubs when they get injured.

At best it will mean a massive hike in their insurance and worse a closed club. I had a very bad injury almost 20 years ago playing rugby which still gives me (minor) issue to this day. It didn't even occur for me to sue the club.

But...he hasn't even asked about whether he can/could/should sue the anybody, never mind his club. What he asked is :-

"is there somewhere in the GAA where I could apply to get some sort of payments or anything to help pay for the expenses?"

I don't know why you're re-entering the fray on this one...especially if its to justify your comment based on something he's never even hinted at doing and to call him a gob****e as if he'd asked for advice on how to sue his club.

All he's asked is if anyone is aware of a mechanism available through the GAA for people like himself who get crocked while playing the game

Procrastastudy wrote: »

It didn't even occur for me to sue the club.

You're a great fella altogether. It didn't occur to him either :pac:

Procrastastudy

Reloc8 wrote: »

But...he hasn't even asked about whether he can/could/should sue the anybody, never mind his club. What he asked is :-

"is there somewhere in the GAA where I could apply to get some sort of payments or anything to help pay for the expenses?"

I don't know why you're re-entering the fray on this one...especially if its to justify your comment based on something he's never even hinted at doing and to call him a gob****e as if he'd asked for advice on how to sue his club.

All he's asked is if anyone is aware of a mechanism available through the GAA for people like himself who get crocked while playing the game

FFS

Browndog82

If he has paid his membership then he is entitled to the insurance cover that it provides. Thats whats included in the membership fee for the year

Procrastastudy

Browndog82 wrote: »

If he has paid his membership then he is entitled to the insurance cover that it provides. Thats whats included in the membership fee for the year

Okay that's fair comment and point taken he's not going after the club. I still think its a bit 'meh' playing a sport and then claiming off the insurance if injured.

Shelli2

Procrastastudy wrote: »

Okay that's fair comment and point taken he's not going after the club. I still think its a bit 'meh' playing a sport and then claiming off the insurance if injured.

Well then whats the point of having the insurance?

Procrastastudy

Shelli2 wrote: »

Well then whats the point of having the insurance?

Insurance is there for the foreseen (generally) and normally a legal requirement. When people make claim the insurance, again generally, goes up as all insurance is, aside from a massive profit maker, is a loss distribution system.

The attitude of oh I'll just claim off the insurance is what leads to massive premiums. Oh and barristers according to the PIAB.

eyescreamcone

Procrastastudy wrote: »

Insurance is there for the foreseen (generally) and normally a legal requirement. When people make claim the insurance, again generally, goes up as all insurance is, aside from a massive profit maker, is a loss distribution system.

The attitude of oh I'll just claim off the insurance is what leads to massive premiums. Oh and barristers according to the PIAB.

In what cases should you make a claim so??

Reloc8

Procrastastudy wrote: »

The attitude of oh I'll just claim off the insurance is what leads to massive premiums. Oh and barristers according to the PIAB.

But...are you saying that even if he's entitled to get something as a member of his club he shouldn't claim against the insurance ?

Procrastastudy

eyescreamcone wrote: »

In what cases should you make a claim so??

I dunno broken finger, black eye, little bump on the head?

I'm obviously a bit old fashioned here - to me you just manned up and took the consequences. A bit different if someone deliberately fouled with the intention of hurting you or there was broken glass on the pitch. But the general rough and tumble I thought was just part of the game.

I'm clearly wrong; is GAA just a girl y sport?

Reloc8

Broken leg ?

And whatl he wants is something against actual expenses caused to him...not damages :-

Blink182rock wrote: »

H
So because of this I have to get taxi's pretty much every day up to college unless the rare case where I get a lift.

I don't know who to really ask about this but I wanted to know is there somewhere in the GAA where I could apply to get some sort of payments or anything to help pay for the expenses?

Procrastastudy

Reloc8 wrote: »

But...are you saying that even if he's entitled to get something as a member of his club he shouldn't claim against the insurance ?

Depends on the consequences to the club. If there is some sort of payment available which is factored in to the premium or some scheme that fair enough - if it's going to cause a massive hike in premiums then no. Point taken that there may be some sort of scheme.

Strawberry Fields

Procrastastudy wrote: »

Depends on the consequences to the club. If there is some sort of payment available which is factored in to the premium or some scheme that fair enough - if it's going to cause a massive hike in premiums then no. Point taken that there may be some sort of scheme.

That's very noble but why should he bo so unselfish as to put the club first, he's the one with the broken leg incurring travel expenses. The premium the club pays should be the last thing on his mind.

Reloc8

Procrastastudy wrote: »

Depends on the consequences to the club. If there is some sort of payment available which is factored in to the premium or some scheme that fair enough - if it's going to cause a massive hike in premiums then no. Point taken that there may be some sort of scheme.

He actually asked whether anyone knew of any mechanism from the GAA, and not his club at all, albeit that other people have fairly pointed out that he might be covered by insurance held through the club, for which, if so, he'll have paid for through his membership.

Blink182rock wrote: »

finally someone who isn't a gobsh1te..

I was only asking for some advice, went through a lot of pain and a lot of expense!

Procrastastudy wrote: »

I think your Gob***** detector is off. I generally find a good calibration can be found with people who play non-professional sports and then sue the clubs when they get injured.

At best it will mean a massive hike in their insurance and worse a closed club. I had a very bad injury almost 20 years ago playing rugby which still gives me (minor) issue to this day. It didn't even occur for me to sue the club.

So eh, will you say it or will I ?....FFS :pac:

Procrastastudy

godeas16 wrote: »

That's very noble but why should he bo so unselfish as to put the club first, he's the one with the broken leg incurring travel expenses. The premium the club pays should be the last thing on his mind.

I don't really consider it noble tbh just common sense. As I've said I appear to be in the minority. If this is the prevalent attitude I can see why schools ban football and conkers.

csallmighty

I dislocated my shoulder playing for my local team.

From my experience the club should help with your medical bills (operation if any, rehabilitation, etc.), I'm not so sure about travel expenses though.

Reloc8

Procrastastudy wrote: »

I don't really consider it noble tbh just common sense. As I've said I appear to be in the minority. If this is the prevalent attitude I can see why schools ban football and conkers.

Give it a rest !

He was playing in a final for his local GAA club and broke his leg. He wants to know if there's something available for him to pay for some of his expenses !

They're not going to ban local GAA clubs playing in finals if in fact there's something there for him based on insurance which he has paid for !

Its completely different from claim-happy litigants looking for large payouts in general damages for their little darlings for things which we would all regard as part of the bumps and bruises of kids growing up.

Procrastastudy

Reloc8 wrote: »

Its completely different from claim-happy litigants looking for large payouts in general damages for their little darlings for things which we would all regard as part of the bumps and bruises of kids growing up.

I simply see a broken limb as part of playing a sport like GAA. Why should a kid on a playing field be any different?

munchkin_utd

the scheme is detailed in the linked document here:
http://www.gaa.ie/content/documents/publications/insurance/GAA_Injury_Scheme_Effective_Oct1_2010.pdf

loss of wages is covered as are medical expenses but no mention of out of pocket expenses caused by an injuiry (such as taxis or whatnot)

From the looks of it your best bet is to ask nicely if your club can help you with the cost of taxis out of their own funds.

Blink182rock

Procrastastudy wrote: »

I think your Gob***** detector is off. I generally find a good calibration can be found with people who play non-professional sports and then sue the clubs when they get injured.

At best it will mean a massive hike in their insurance and worse a closed club. I had a very bad injury almost 20 years ago playing rugby which still gives me (minor) issue to this day. It didn't even occur for me to sue the club.

Your a great man altogether.

I never once mentioned suing the club. I have no intention of suing anyone.

All I asked was is there anywhere that I could get any expenses covered. I'm not claiming for the health bills either as I have a medical card so that's not going to effect the club either which I'm happy about.

Reloc8

Procrastastudy wrote: »

I simply see a broken limb as part of playing a sport like GAA. Why should a kid on a playing field be any different?

Right. By way of final response because you asked and then I'll just let the thread speak for itself.

School pay premiums for insurance against accidents on their premises because they are in loco parentis for the kids in their care, during and sometimes slightly before or after school activities. Kids like to do stuff like play. Sometimes they fall over and get a boo-boo. If enough boo-boos are paid out on then the insurance premium goes up. Schools act therefore to try and prevent the boo-boos.

Sometimes they do something fairly sensible. Like stopping the kids playing sports on a concrete playground, or ensuring that they are properly supervised as necessary.

Sometimes they do something stupid. Like preventing an activity with negligible risk, or cancelling school activities under the smokescreen of 'can't afford anymore boo-boos.

In contra-distinction to the foregoing, GAA clubs compete in GAA sports. Their members are required to pay an insurance levy to cover the club scheme of insurance. That insurance inclues a no-fault liability scheme which pays out on serious injury (exactly as for the IRFU scheme for example) . The scheme may also entitle an insured member to be paid out on medical or other expenses for less serious injuries (in fact if it's like the IRFU scheme it'll be medical expenses only and not out-of-pocket stuff so the OP may be out of luck).

You're seeking to compare claims for damages against Public Indemnity insurance held by e.g. a school (the person who pays the premium) with a claim for recoverable expenses on a no-fault basis by the person who has paid the insurance premium in question. You're suggesting that should the OP do so he might be in part responsible for the cessation of the activity of his local GAA club, in like manner to a school cancelling an activity because it can't supervise it properly or can't afford the exposure to claims.


1. In the example in this thread you're suggesting that the OP should be compared to a person who's looking to sue his club because he got injured.

2. You're comparing his position to that of a spurious or unreasonable claimant who's looking to sue against the insured's public indemnity insurance, requiring negligence to be shown.

3. You're ignoring that he's paid his insurance premium as part of his membership fee, so that if the scheme does cover medical and other expenses he's entitled to recover, without having to make some jimmied up claim in negligence.

edit : and for this he gets called a gob****e :pac:

Procrastastudy

Reloc8 wrote: »

3. You're ignoring that he's paid his insurance premium as part of his membership fee, so that if the scheme does cover medical and other expenses he's entitled to recover, without having to make some jimmied up claim in negligence.

edit : and for this he gets called a gob****e :pac:

Actually if you'd read my posts you would see that I am not.

Procrastastudy

Blink182rock wrote: »

Your a great man altogether.

I never once mentioned suing the club. I have no intention of suing anyone.

All I asked was is there anywhere that I could get any expenses covered. I'm not claiming for the health bills either as I have a medical card so that's not going to effect the club either which I'm happy about.

Inferences can and are drawn from where you post. The butter wouldn't melt routine is somewhat weakened by the existence of this forum.

Pat Mustard

The GAA has an injury insurance scheme. I haven't read through it, but it is here. How to make a claim here.

The repartee on this thread is like an episode of Curb Your Enthusiasm. Very funny.




EDIT: I now see the post by Munchkin Utd, which details the scheme. Hadn't spotted that earlier, for some reason.

schemingbohemia

Blink182rock wrote: »

Your a great man altogether.

I never once mentioned suing the club. I have no intention of suing anyone.

All I asked was is there anywhere that I could get any expenses covered. I'm not claiming for the health bills either as I have a medical card so that's not going to effect the club either which I'm happy about.

Why did you post here rather than in the GAA thread if you've no intention of sueing?

Surely to get proper information on the GAA insurance scheme that would be the place to post?

Blink182rock

schemingbohemia wrote: »

Why did you post here rather than in the GAA thread if you've no intention of sueing?

Surely to get proper information on the GAA insurance scheme that would be the place to post?

mmmm..

Can a Mod move this to GAA forum ?

Procrastastudy

Blink182rock wrote: »

mmmm..

Can a Mod move this to GAA forum ?

Can they remove my girly sport comments before they do?

seavill

I actually had to double check was I still reading the legal discussion thread becuase all the bitching lead me to think I was in after hours or something.

I for one would be the last person to go claiming against a clubs insurance for no reason as my father runs a club basically on his own, in charge of everything and seeing how much time and effort he puts into running the club and fundraising. However, he and I would be the first people to encourage someone who has genuinely been injured while representing the club to use the club insurance. Yes the insurance will go up by a certain amount but you can spread this out the following year by a couple of euro increase for every member.
This is what insurance is for to compensate when its needed.
If it is not for this sort of instance well then all you are doing is filling the pockets of the insurance company for no reason.

Your secretary would be the best person in the club to talk to. More than likely if they are on a committee a number of years they have dealt with other similar cases over the years and will know what to do.

The advice from certain people is usually excellent in this forum but today they have lost the plot and are getting very childish and silly.

Procrastastudy

seavill wrote: »

I actually had to double check was I still reading the legal discussion thread becuase all the bitching lead me to think I was in after hours or something.

You dont come here that often do you?

seavill

Procrastastudy wrote: »

You dont come here that often do you?

Point proven

I don't really want to drag the thread off topic with silly posts but seen as you asked in the most immature way possible I visit this section every day but only post relevant info when I can. Which i tried to do today