Sam Richart (richart@SPK.HP.COM)
Wed, 22 Dec 1993 10:27:20 PST
Hi Y'all and Merry Christmas,
I wish I were posting under differant circumstances. I will try to
keep this as positive as possible, here goes.
During our 'Scouting for food' drive a Cub Scout ran across one of the
busiest 2-lane streets in town and was hit by a car. The boy was seriously
injured. Currently he is in a body cast up to his armpits and is only allowed
to get 'up' a few hours of the day.
The unit did all the right things leading up to the unfortunate event.
A tour permit was filed, medical release forms were on hand, the units
insurance policy was up to date and even a safety talk was given. From here
it gets uncomfortable.
Our Council does not have a policy for handling an incident like this
and there are a few problems that have surfaced because of this. The
insurance policy is a second provider policy and has a limit of $6000(??).
This was maxed out very soon after the accident. The driver's policy also
paid (even though it was determined the driver was not at fault) about $25,000.
Unfortunately there are still medical charges that are accrueing and have not
been paid. The Scout office is not saying a lot. I can understand this to a
point. If we look on the card our car insurance company gives us for 'What to
do in case of an accident', we cannot admit guilt or promise that 'my
insurance will take care of this', only exchange concrete facts about the
accident (names, phone numbers, insurance companies, etc). Not seeing any
quick action from the scout office the mother has placed an attorney on
retainer. The attorney has said (correctly so) that the insurance companies
as well as any other bill collectors may go after the CubMasters Homeowners
insurance, the Chartered Partner, the BSA, and anyone else that may have any
responsibility in this incident. This statement has been shared with other
scout leaders, many of them are scared and have vowed not to sign any more
I have always been taught that the council has an enormous
insurance policy to protect the volunteers and chartered partners from this
happening. This may still be the case, however, because the Scout office is
gun shy to say anything, or doesn't know what to say, the lawyers word is
traveling fast. I have confidence that the Scout office will come thru and
put to rest any rumors, I have suggested that we change the schedule for the
Roundtable in January and offer information about unit and council insurance
policies, tour permits, and how to handle emergencies like this. I hope we
will also have enough information to eliminate the rumors and settle this
incident to everyones satisfaction.
Where do I fit in? I am an Assistant District Commissioner and have
just taken the pack that is involved under my wing( I will let my District
Commissioner continue to handle this issue.). I am also acting unit
commissioner for the pack my boy is registered in and fulfill the duties of
assitant Committee Chair (we have over 80 boys in the unit). The CubMasters
wife called me with the information from the lawyer and they are scared. They
have passed the information from the lawyer on to the rest of the den leaders.
This information does not include anything about our councils policy,
unfortunately. I will have my hands full, how may other units are in the same
Some of the information that I have heard is from our District
Commissioner and I hope I have represented this correctly.
So now, I am looking for net.wisdom, I am grateful for the information and
ideas I have received from this source. I have the ear of the District
Commissioner as well as the District Executive.
1. What Companies offer insurance to scout units? What is the coverage like?
Please include an address if possible.
2. What do other Scout Councils do in situations like this? What can be done
to improve this process?
3. I am open to any advice.
Sam Richart \////
firstname.lastname@example.org ( 0 0 )
----------------------vvvv-----v-----vvvv- Merry Christmas
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City