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From: Gordin Warner <gwarner2_at_shaw.ca>
subject: [Paddlewise] Insurance and legal action
Date: Thu, 07 Jul 2005 16:38:48 -0700
I'm curious.  After reading all this fear and loathing regarding insurance 
and being sued - can anyone site a real case of a kayak club being 
successfully sued.

Actually I'd like to see 10 such cases. A stand alone case would hardly 
constitute a trend.

Without hard evidence I think these fears are just another urban myth - 
like the sewers of New York being full of lawyers. Sorry I meant alligators.

Every time some US judge, who may or may not be legally trained, decides 
that Ben should be paid $10 billion by Jerry it makes head lines.  When the 
final appeal comes along and is over turned it makes the back page of some 
rag.

I'd like to hear from all the former executive leaders of clubs who have 
been successfully sued.  I'd like to know for how much and why they were sued.

I once heard a respected kayak instructor, at a local kayak club meetings 
say, " A car rental company was just sued for $10 million."    In his mind 
that meant we had to take out a ton of insurance and avoid all risks just 
to avoid the same fate.  The fact the company had rented a car with no 
brakes was omitted in the discussion.  The fact that the decision was being 
appealed was also ignored.

I listened to this line of thought and concluded that our kayak club should 
not rent out kayaks without first checking the brakes.

The club I use to belong to was great at talking the talk.  You must 
improver your skills, you must do this and that, good leaders do these 
things and so on and so on.  At one point the club bigwigs even tried to 
regulate non club kayak trips!

But when it came time to step up everyone of the club leaders refused to 
walk the walk.  Oh no we aren't leaders we're uh, uh, facilitators or 
coordinators, or organizers - anything but leaders.

Ok I confess.  I actually know that in New Zealand 263 kayak clubs have 
been successfully sued for a total of $11,213,456 and 97 cents.  All 
figures in NZ dollars.  That's the truth. Really.  No I mean it.  Really 
you can trust me.  Go out to your next meeting and quote those figures.

skeptical
In Victoria BC
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From: Steve Holtzman <sh_at_actglobal.net>
subject: RE: [Paddlewise] Insurance and legal action
Date: Thu, 7 Jul 2005 18:27:29 -0700
Gordin Warner said:


> can anyone site a real 
> case of a kayak club being successfully sued.
> 

Even if the suit is unsuccessful you still lose. Do you think that your
attorney will work for free? It will cost you big bucks to defend against a
lawsuit.

So either way, you lose. That's why I don't ever set myself up as a "leader"
of a trip, and even so, I'm still taking a risk of being sued because I
organized a trip. Even if several people get together and paddle informally,
if something were to happen to one of the other participants, the others can
be sued because they didn't do what their own training should have trained
them to do.

So there are no winners except for the attorneys. Win or lose, you still
lose.

Steve Holtzman
Southern Calif
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From: Gordin Warner <gwarner2_at_shaw.ca>
subject: RE: [Paddlewise] Insurance and legal action
Date: Thu, 07 Jul 2005 21:44:00 -0700
Steve wrote,

Even if the suit is unsuccessful you still lose. Do you think that your
attorney will work for free? It will cost you big bucks to defend against a
lawsuit.

Yeah I know going to court is a losing proposition.

But I'd still like to know if a kayak club has been successfully sued and 
what the circumstances where and what the finial penalty was.

The key word is penalty. That's what a judgement is, and it's usually 
brought down because the defendant was in fact guilty of something - 
negligence comes to mind.  Of course in United Suits of America things are 
often different.;-)

However anyone in a club who is asked or seeks a leadership position would 
be wise to assess the other leaders or executives of the club.  If they're 
competent and trust worthy then step up.  If they're not or if you don't 
like the practices of the club, or have doubts, then by all means step back.

One of the first red flags should be the clubs insurance policy.  If they 
have one then that's a sign that the club is aware of the risk and is 
taking steps to manage the risks.  If the club has a cavalier attitude 
toward safety then that's another red flag.

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.  Just because some one successfully sued some other person 
does not mean the entire club scene is collapsing and that all leaders will 
be sued.  In fact I know of no kayaking club that has ever been 
successfully sued.  I'm not saying it has not happened.  I'd just like to 
know rather then assume.

And isn't the whole point of all these certification bodies to teach 
paddlers the skills they need to paddle, organize, judge conditions, lead, 
assess risk, etc etc.

If a person has gone all the way through the certification process and 
reached the pinnacle theoretically they should be capable of leading. Of 
course there's more to leadership but that discussion could fill up the 
empty space on my computer.

Now if I lived in Califorsueme I'd only paddle with my attorney.;-)

Still skeptical in

Victoria 
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From: Steve_at_ECVH <Steve_at_exclusivelycats.com>
subject: RE: [Paddlewise] Insurance and legal action
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!
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From: John Kirk-Anderson <jka_at_netaccess.co.nz>
subject: Re: [Paddlewise] Insurance and legal action
Date: Fri, 08 Jul 2005 13:45:27 +1200
on 8/7/05 11:38, Gordin Warner at gwarner2_at_shaw.ca wrote:


> Ok I confess.  I actually know that in New Zealand 263 kayak clubs have
> been successfully sued for a total of $11,213,456 and 97 cents.
> 

Do we have that many kayak clubs?


-- 
John Kirk-Anderson
Banks Peninsula
NEW ZEALAND
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