RE: [Paddlewise] Insurance and legal action

From: Steve_at_ECVH <Steve_at_exclusivelycats.com>
Date: Fri, 8 Jul 2005 13:03:06 -0400
Gordon: "I just think that sometimes a collective madness envelops people
and we start running around like chicken little, screaming the sky is
falling the
sky is falling."
Thank you Gordon!
Anyone can attempt to sue anyone for anything!
I am a veterinarian and our sky is falling too...we are all afraid that the
country is going to "allow" a financial value to be placed on the loss of a
pet. "oh no!!"  The fact is lawsuits are pretty infrequent (vet med and
kayaking) and when they do occur, more often that not, it is because we,
like MD's do something pretty dumb, don't inform, and don't communicate
well.
My personal approach professionally and recreationally  is to do what most
of us try to do (in groups), be careful, be cautious, and use good judgment.
I do not actively THINK about liability. I actively think about being
responsible (and this can be tough for me...I like to play). When I
speculate about the consequences of someone getting in trouble, I think
about how I would feel. Would I feel morally responsible,  would I feel like
I should have been more careful, would I regret my actions, or would I truly
blame myself?  In other words, if I were to look at my actions in retrospect
would I (ME!) feel like I was upholding a standard of due care that I agree
with. All accidents can only be prevent by NOT participating. Some accidents
will occur even with the best actions and judgment.
Law suits will occur, and we won't make them go away by trying to avoid
them. Even if you just paddling with you best buddies and their best
buddies, it is all fun and games until "someone loses an eye," THEN someone
decides that that buddy's kids still need to go to college and the house has
to be paid for and Dad is going to lose health insurance since he can't work
as football referee anymore with only one eye. Now there is a law suit and
the attorneys will figure out who is the leader and or who they can blame;
club or no club, leader or no leader.
In fact, being a recently certified ACA instructor and participating in both
BCU/ACA I have been well informed that it doesn't matter WHO the leader is.
If I am along for a formal or informal paddle and have "more" experience
than the "leader" and conditions of the group paddle became risky I can
still be targeted for Liability. For example, we ALLOW w/out protest  Bill,
a new paddler, go play in the surf with out a PFD/Helmet).  We can have
100's of twists on a scenario like this; but my reality is that I am going
to say "hey, Bill, that isn't a good idea"...progressing to "Bill this is
Stupid, DON'T do it." After making a stink, I would feel like I made safety
issues well known to the group (documentation?) and Bill, "THE competent
adult" who placed himself in danger. If Bill gets hurt, I can live with
that; I will feel bad and regret having tagged along with this group (this
time), but I can live with that. This is the thought process that will lead
MY actions.   Hopefully, a  Judge will feel my actions were reasonable
too-but I won't let that worry lead my life.  And, if "Bill" doesn't get
hurt, I would avoid paddling with him again.
I really get disgusted when talk like this leads to the demise of clubs,
groups and camaraderie. Just enjoy yourselves and be safe!
***************************************************************************
PaddleWise Paddling Mailing List - Any opinions or suggestions expressed
here are solely those of the writer(s). You must assume the entire
responsibility for reliance upon them. All postings copyright the author.
Submissions:     PaddleWise_at_PaddleWise.net
Subscriptions:   PaddleWise-request_at_PaddleWise.net
Website:         http://www.paddlewise.net/
***************************************************************************
Received on Fri Jul 08 2005 - 10:03:31 PDT

This archive was generated by hypermail 2.4.0 : Thu Aug 21 2025 - 16:31:21 PDT