Sports accidents cover all accidents that occurred during a sports activity practiced within a club, during activities of recreation, or during physical education and sports classes.

Here are the main conclusions: Young people are much more worried about traffic accidents than sports accidents while the frequency of these is significantly higher: each year 850 000 young people aged 12 to 19 are victims of this type accident (with consultation with a doctor or hospital).

For all sports, boys are more exposed than girls because of more frequent sporting practice, a choice of more dangerous activities and greater risk-taking.

Accidents due to ball sports are the most frequent because these are more practiced. Gymnastics, skiing, and cycling are often sports causing trauma. Cycling and skiing are also, with motorsports, horse riding and tennis, the sports that cause the most serious accidents (rate and/or duration of hospitalization).

The type of injury varies greatly depending on the sport practiced. For example, cycling or riding accidents often affect the head, neck and the upper limbs of the body (with fractures) while the accidents of tennis, athletics or jogging are more likely to affect the lower limbs of a body (with sprains). Young victims (15-19 years old) of accidents of everyday life (most of them are accidents related to sports or leisure activities) are teenagers who more frequently report adopting other risk behaviors in relation to certain addictions: alcohol, tobacco, and cannabis. Moreover, they declare themselves in less good physical health.

Sports injuries affect different parts of the body according to the chosen sport and the place of practice:

  • – The lower limbs (56.8%), more specifically the ankle and knee
  • – Upper limbs (26.8%), especially the head and neck

Sports that cause a sprain most frequently are jogging, tennis and ball sports.

Sports most often causing a fracture are contact sports, horse riding, and skiing.

In the age group 10/24 years, the average duration of hospitalization following a sports accident is 7 days. In 20.2% of the cases, reeducation sessions will be practiced. 1 accident out of 7 leads to a school break, and 6 out of 10 will be followed by a dispensation of physical education.

13% of young people aged 10 to 24 years old will remain uncomfortable, especially among the older of them and the girls. 17% will have scars and 16.5% will remain marked on the psychological plan. The severity of sequelae is considered important in 10% cases, and more than a third of them will have direct consequences on everyday life. 

Another danger: the misperception of the risk

Young people’s fears include fear of traffic accidents (dominates), regardless of age and gender. Thus, the perception of risk is very far from reality. Teens who are most afraid of accidents are also those who have been most victims in the last 12 months (21.1% of young people declare have had an accident). Overall, the expression of fears about health is less strong in young people than in adults.

Are you or someone close to you got injured as a result of a medical procedure? Is the doctor who took care of it wrong? Can you engage his responsibility?

Definition: medical malpractice

The medical liability regime has long been based on jurisprudential principles. The Mercier judgment rendered by the Court of Cassation on May 20, 1936 (Cass civ 20 May 1936, DP 1936, 1, p.88) had recognized the contractual nature of the doctor’s responsibility, based on the demonstration of a fault on his part, of a causal link and of a prejudice suffered by the patient. This decision stated that the obligation of care resulting from the medical contract to be paid by the doctor was an obligation of means.

It was thus recognized that the physician could not commit himself to the cure of his patient but only to give him attentive care, in a conscientious manner and in accordance with the acquired data of the science. Following the increase in litigation and the proliferation of decisions of case law devoting cases of responsibilities by right, without fault, the legislator intervened to frame this regime. Now there are laws that regulate the matter, establishing a principle of legal medical liability.

Note: the fault is the event giving rise to liability. It is a question of any act which led to the damage, emanating from the caregiver.

Except in the case where a defective health product can be implicated, the doctor’s responsibility can only be engaged in the demonstration of a fault. This means that his engagement is an obligation of means, which had already been recognized by the Mercier judgment.

Example: here is the difference between the obligation of means and obligation of result. In the first case, the doctor agrees to do everything possible to treat his patient. In the second case, he would commit himself to heal his patient.

Medical professional insurance

Typology of medical faults

The responsibility of the doctor or the private health facility may be engaged for any fault committed. There are usually two types of mistakes, the doctor being bound by an obligation of science and conscience.

The technical fault

It is about the error made by the doctor by ignorance of the uses and scientific rules that make his profession. It can be a question of a fault: diagnosis; in carrying out the act; in the choice of treatment; medical monitoring.

The fault against humanism

It corresponds to the poor appreciation of the caregiver-patient relationship, in accordance with the ethical rules of the profession.

This is the violation of the obligation to obtain the free and informed consent of the patient. Before any medical intervention, the doctor must obtain the agreement of the patient. This supposes that the latter was enlightened on his health conditions, on the proposed medical procedure, on the therapeutic hazard and the generally accepted and observed consequences for the type of intervention planned.

Good to know: the doctor, therefore, has a duty of fair and clear information.  It is also a violation of medical confidentiality: in addition to the oath of Hippocrates, respect for the privacy of the patient and his right to secrecy is recalled by the Law. Except in the case of legally accepted exceptions, the secret covers all the information concerning the person coming to the knowledge of the doctor, of any member of the staff of these establishments, services or organizations and of any other person in relation, by his or her activities, with these institutions or organizations.

Medical prescription

Medical malpractice: redress and compensation

Anyone who is a damaged or who considers himself or herself to be a damaged of damage attributable to medical malpractice must be informed by the professional, the health establishment, the health services or the body concerned about the circumstances and causes of this damage in the case. In terms of procedure, the fault of the physician or health care institution must be reported as well as the harm and the causal link between the two. There is a multiplicity of possible harms: moral, bodily, etc.

Individual action

There is a first friendly phase in which the damaged lodges an appeal. The court draws up an expert opinion and gives an opinion on the cause and the circumstances of the damage.

When it is found that a fault involves the responsibility of a health professional, a health establishment, a health service, the insurer who guarantees the civil or administrative responsibility of the person considered responsible by the court shall address to the damaged or his successors an offer of compensation for the full compensation of the damage suffered within the limits of the insurance contract guarantee.

 

You have just bought a new or used car and want to start a new era of driving safely? This article is made for you! Here are some tips to take care of your car while protecting your passengers and yourself.

Before leaving

It may seem obvious, but not many people actually do it so here’s a quick reminder of what to check on your vehicle. Do not start the voyage if your tire is smooth, have them changed before it’s too late. Go to a service station to check the pressure as well. You will find this information on your doorstep, by lifting the valve of your tank or in the maintenance book of your car. Two pressures are usually indicated, the first for normal use of your vehicle, the second when loaded. Take this into account when going on vacation. This takes only a few seconds and can change everything during sudden braking or driving on slippery surfaces.

On the way

Once on the road, put your hands at “10:10” on the steering wheel and drive carefully avoiding any distractions. Be sure to adapt your driving to traffic especially during departures on vacation. Speed ​​limits are not everything. When roads and highways are loaded, set your speed on the vehicles around you. Do not ride too slowly to avoid obstructions to traffic.

Another important point is the safety distances which, when they are not respected, lead to serious accidents. Keep in mind the “two seconds” rule to maintain an acceptable safe distance. It is very simple to apply: choose a fixed object in the distance like a traffic sign or a bridge and wait for the vehicle in front of you to pass up to it.

Then say “independence, independence” equivalent to two seconds. If you arrive at the marker before the end, you are too close. You can also follow the white stripes on the side of the road, 2 safety bands, 1 danger band as the signs say.

DRIVING IN RAIN OR IN STORMY WEATHER

During rain or heavy rain, in order to limit aquaplaning and circulate safely, we recommend that you:

  • Lift the foot of the accelerator
  • Check the condition and pressure of your tires often
  • Respect the safety distances
  • Stick to the speed signs
  • Anticipate braking

We remind you of the speed limits on the wet road, namely, 70 mph for rural freeways, a 45 mph minimum speed limit, 65 mph for other 4 lane divided highways, and 55 mph for all other highways. 

 ADOPT A SAFE DAILY DRIVING

NIGHT DRIVING

It differs completely from daytime driving. We are often dazzled by the low beam or headlights of other vehicles. Here are some details:

Try not to look at the headlights of other cars

Reduce your speed

Change the position of your interior mirror. There is a night position.

TIRES: LOOK AT THE WEAR RATE AND CHECK THEIR PRESSURE

For a perfect grip, do not ride with under-inflated tires. You must follow the recommendations of tire manufacturers or manufacturers. Those that are recommended vary depending on your load at the back. Then increase the pressure of the tires in the same place. Depending on their wear rate you can swap your wheels. During a puncture, simply loosen the wheel, use your jack to replace it with your spare wheel. This must be checked regularly.

ADOPT RESPONSIBLE BEHAVIOR

DRUNK DRIVING

For your safety and that of your passengers, use a breathalyzer when leaving a restaurant (if you have drunk, of course). He will inform you about your alcohol level and during a control by the police, you will not be in violation. Thus, you will not be penalized with a fine.

Arizona is a no-tolerance state for DUIs, meaning you can be arrested with a blood-alcohol content higher than the legal limit of 0.08 percent, which means that you should not drink a single drink

MEDICATION AT THE WHEEL

Also watch out for drugs that can cause drowsiness and decreased reflexes.

 BEHAVIOR

In traffic jams, it is better to turn the engine off in order to consume less fuel and to avoid releases of particles to the environment. Try to control yourself by avoiding inadvertent honking, incivility and aggression at the wheel (we know, it’s not always easy).

TELEPHONE ON THE FLY

For your safety, it is forbidden to phone, drink or eat while driving (but you already know that). The Bluetooth hands-free kit is allowed. SMS are not allowed. We keep both hands on the wheel!

If you have a teenager at home, know that he can do driving accompanied. Like you, he must respect all speed limits as well as the Highway Code.

PREVENTION AND ROAD SAFETY

Do not hesitate to obtain brochures, documents and visit the websites of associations that aim to reduce the death rate and accidents. There are many organizations whose mission is to perform Crash Tests. Thus, by buying a new car with 5 stars, you can be sure that it has responded positively to all safety tests.

Now that you know all about our safety tips, the best you can want is to pay attention to yourself, your loved ones and other road users. To do this, check all equipment of your vehicle. Beware also of all users on motorbikes, bikes etc. Finally, if your tires are worn out, buy new ones!

If you have ever had a car accident, you may have hesitated or waited before calling the insurance. Especially if it was a simple scratch or if you “just” slightly damaged a fence …If this happens again, do not hesitate: if your vehicle has been damaged, vandalized or stolen, you must call your insurer as soon as possible. Often, when it comes to small skirmishes, people do not call their insurer, because the damage is not important. It’s a mistake because the insurance company’s claims adjuster can help you, checking for damages that will come out later. If you hesitate to declare the incident, lest your premiums be raised accordingly, rest assured: if there is no claim, it will not affect your file. In other words, if you declare a claim without making a claim, the incident will have no impact on your automobile insurance premium. If a claim is necessary, the process will be accelerated.

When a car accident occurs

If you are involved in an incident, there are several scenarios:

– If it is a simple collision, you just have to complete an amicable report with the other driver. This document will be used by your insurer to determine your share of the liability and the indemnity to which you are entitled;

– If there is damage to someone else’s property, such as a fence or residence, call the police and stay there. Damages are covered by the liability section of your car insurance policy;

– If urgent minor repairs are required for your safety or to quickly return the vehicle to traffic, take pictures of the initial damage, so that your insurer can see the damage. In addition, keep bills and damaged parts that your insurer will want to review.

The insurance claim, in five steps

Regardless of the insurer and the type of automobile claim, the steps to be taken are similar. There are five:

  1. Declaration of the claim to the insurer: this is the initial step where you must provide the amicable report and the police report;
  2. Establishment of liability by the insurer;
  3. Assessment of damage and cost of repairs;
  4. Agreement on the amount to be awarded, according to your insurance contract;
  5. Payment of the indemnity.

Who chooses the garage? (and other questions)

Insurers can usually direct you to an accredited garage or body shop near you. Check with your insurer to make sure you decide.

Do you have a rental car? Most insurers pay the costs of renting a replacement vehicle while your car is in the garage. When choosing an insurer, check what is in the contract.

Who receives the money? Usually, the repairer will ask you to sign a document that allows him to be paid directly by the insurer. If this is the case, it is the repairer who will pay the deductible.

Will your premium increase? The amount of the car insurance premium is determined at the time of renewal of the policy. There are several factors in calculating the premium, including how you use your car, where you live and your driving record. Insurers take into account the number of claims made during the previous 5 to 6 years. It should be noted that the amount of the claims has no impact on the premium.