MHSAA Catastrophic Accident Insurance
The administrator of the MHSAA-purchased catastrophic accident medical insurance plan for 2016-17 has clarified some insurance issues relative to transportation.
Under the MHSAA-purchased plan . . .
“Eligible student-athletes are covered while traveling directly to and from a scheduled event as a representative of the school while traveling in transportation sponsored by the school, and while participating in-season in an allowed activity under the direct supervision of a full-time school employee or coach designated by the school acting within the scope of his/her coaching duties in those sports for which the MHSAA provides a tournament series.”
The administrator has confirmed in writing that the meaning is to include school-provided transportation (school bus, school van, school vehicle) as well as a coach who is authorized by the school to drive student-athletes, and it includes transportation to a practice, scrimmage or contest.
The coverage does not cover or include a parent who is driving only his/her own son or daughter in a personal vehicle, nor does it cover a student who is authorized by the school to drive him-self/herself.
No advance authorization form is required. The accident claim form will determine if it was school-authorized transportation. It is prudent for schools’ written policies to authorize specifically if students and/or parents and/or coaches may provide transportation, and the conditions under which they may do so.
Michigan High School Athletic Association