{"id":109,"date":"2017-04-17T08:02:38","date_gmt":"2017-04-17T12:02:38","guid":{"rendered":"https:\/\/www.materalaw.com\/?p=109"},"modified":"2026-04-02T12:15:59","modified_gmt":"2026-04-02T16:15:59","slug":"la-aseguradora-de-la-ncaas-presenta-una-demanda-para-no-cubrir-las-lesiones-en-el-futbol-americano","status":"publish","type":"post","link":"https:\/\/www.materalaw.com\/es\/ncaas-insurer-sues-to-back-out-of-covering-football-injuries\/","title":{"rendered":"La aseguradora de la NCAA pide que no se cubran las lesiones en el f\u00fatbol americano"},"content":{"rendered":"

La aseguradora de la NCAA pide que no se cubran las lesiones en el f\u00fatbol americano<\/h1>\n

La Great American Assurance Company, aseguradora de la National Collegiate Athletics Association y de la Big Ten, nunca ha aceptado cubrir las conmociones cerebrales, la encefalopat\u00eda traum\u00e1tica cr\u00f3nica ni otras lesiones que pueden poner fin a la carrera profesional de los jugadores de f\u00fatbol americano. Cubren los deportes menos violentos, como el hockey sobre hierba, el f\u00fatbol y el b\u00e9isbol, pero no el f\u00fatbol americano.<\/p>\n

Tras una serie de revelaciones seg\u00fan las cuales los jugadores de f\u00fatbol americano que vuelven repetidamente a los partidos tras sufrir conmociones cerebrales pueden sufrir lesiones cerebrales permanentes, Great American present\u00f3 una demanda federal para librarse de cubrir esas lesiones para la Big Ten. Posteriormente present\u00f3 una demanda similar contra la Ohio Valley Conference. Afirma que se ha cometido un grave error.<\/p>\n

\"La p\u00f3liza principal no reflejaba por error el acuerdo al que llegaron realmente la Big Ten y Great American. En concreto, no incluye un endoso de Actividades Designadas que limita la cobertura a los 21 deportes para los que la Big Ten solicit\u00f3 cobertura y pag\u00f3 una prima. En el momento de la emisi\u00f3n de la p\u00f3liza, la Big Ten y Great American estaban mutuamente equivocadas en cuanto a que el documento escrito reflejaba el acuerdo real alcanzado\", se lee en la demanda,\u00a0seg\u00fan el Courthouse News Service<\/a>.<\/p>\n

Si la Big Ten y la Great American se equivocaron mutuamente, \u00bfpuede la aseguradora eludir la cobertura?<\/strong><\/p>\n

En Derecho contractual, existen requisitos espec\u00edficos para que un contrato pueda considerarse v\u00e1lido, y uno de ellos es el llamado \"encuentro de voluntades\". Ambas partes deben estar de acuerdo con el contrato o\u00a0no hay contrato<\/strong><\/em>. Esta regla tradicional sigue siendo v\u00e1lida, pero no la vemos mucho en casos de contratos comerciales. Por un lado, los contratos entre dos empresas suelen negociarse con abogados y\/o ser revisados por ellos, por lo que hay menos posibilidades de cometer errores.<\/p>\n

As\u00ed que, en principio, la aseguradora tiene raz\u00f3n al afirmar que no deber\u00eda cubrir las lesiones sufridas en el f\u00fatbol si nunca acept\u00f3 hacerlo, aunque la Big Ten crea err\u00f3neamente que s\u00ed lo hizo. Sin embargo, los tribunales no se conformar\u00e1n con la palabra de Great American.<\/p>\n

Para prevalecer, la empresa debe demostrar la falta de acuerdo. Podr\u00eda hacerlo presentando contratos anteriores en los que se incluyera espec\u00edficamente un endoso de actividades designadas, en contraste con el acuerdo actual. Podr\u00eda mostrar al tribunal una serie de contratos con otras conferencias que firmaron el endoso, para demostrar que exig\u00eda el endoso a la mayor\u00eda de sus otros clientes. O podr\u00eda demostrar que faltaba la informaci\u00f3n necesaria para el endoso, como los registros de asistencia.<\/p>\n

\u00bfQu\u00e9 podr\u00eda estar intentando evitar pagar Great American?<\/strong><\/p>\n

Si los jugadores de f\u00fatbol universitario se lesionan por negligencia de sus entrenadores, puede haber demandas de responsabilidad contra las escuelas, la conferencia y la NCAA. Si esas reclamaciones implican lesiones cerebrales que alteran la vida, no hay duda de que esas reclamaciones podr\u00edan ser costosas.<\/p>\n

Al igual que la Liga Nacional de F\u00fatbol Americano, la NCAA ya est\u00e1 sujeta a un acuerdo de conciliaci\u00f3n en relaci\u00f3n con las conmociones cerebrales, que se alcanz\u00f3 en enero de 2016. Ese acuerdo obliga a la NCAA a destinar $70 millones a un fondo para realizar pruebas de detecci\u00f3n de ETC u otras lesiones cerebrales a deportistas universitarios actuales y antiguos, y a renovar las normas de gesti\u00f3n de las conmociones cerebrales en las conferencias. Tambi\u00e9n acord\u00f3 donar $5 millones a la investigaci\u00f3n sobre conmociones cerebrales.<\/p>\n

Ese acuerdo es una miseria comparado con el acuerdo sobre conmociones cerebrales de la NFL, que proporciona hasta $5 millones a todos y cada uno de los jugadores lesionados que se retiraron antes del 7 de julio de 2014.\u00a0Se espera que el acuerdo total cueste a la NFL $1 mil millones.<\/a>.<\/p>\n

El acuerdo de la NCAA no cubre las demandas individuales por lesiones. Las demandas por lesiones personales han ido llegando por separado, y las demandas de las Diez Grandes ya se han consolidado en una \u00fanica demanda multidistrito. Aunque los atletas de la NCAA no son empleados como los jugadores de la NFL, es probable que las escuelas, las conferencias y la NCAA puedan ser consideradas responsables de sus lesiones bajo la teor\u00eda de que a los atletas se les deb\u00eda un nivel m\u00ednimo de cuidado que no se cumpli\u00f3. La responsabilidad de la escuela es similar a\u00a0responsabilidad de las instalaciones<\/a>\u00a0en virtud de la ley.<\/p>\n

\u00bfConseguir\u00e1 Great American eludir la responsabilidad por las lesiones sufridas en el f\u00fatbol? Es demasiado pronto para saberlo. No cabe duda de que la Big Ten y las dem\u00e1s conferencias afectadas luchar\u00e1n para exigirles responsabilidades.<\/p>\n

Si usted o alguien a quien quiere necesita un\u00a0abogado de lesiones personales<\/a><\/strong>\u00a0o\u00a0abogado penalista<\/a><\/strong>P\u00f3ngase en contacto con nosotros hoy para una consulta confidencial gratuita. Orgullosamente servimos\u00a0Condado de Suffolk<\/a><\/strong>,\u00a0Condado de Nassau<\/a><\/strong>Long Island,\u00a0Brooklyn<\/a>,\u00a0Manhattan<\/a>,\u00a0Bronx<\/a>,\u00a0Queens<\/a>,\u00a0<\/strong>y en todo el Estado de Nueva York.<\/p>\n

S\u00edguenos en Facebook<\/a><\/strong>\u00a0\u00a1para actualizaciones diarias!<\/p>","protected":false},"excerpt":{"rendered":"

NCAA\u2019s insurer sues to back out of covering football injuries Great American Assurance Company, the insurance provider for the National Collegiate Athletics Association and the Big Ten, never agreed to cover the concussions, chronic traumatic encephalopathy, or other potentially career-ending injuries football players are prone to suffering. They\u2019ll cover the less violent sports \u2014 even[…]\n","protected":false},"author":5,"featured_media":575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[120,124],"tags":[],"class_list":["post-109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-injury","category-the-matera-law-firm-blog"],"yoast_head":"\nFootball Injuries | Long Island Personal Injury Attorneys<\/title>\n<meta name=\"description\" content=\"Insurer disputes covering football brain injuries. Learn how liability and contracts impact injury claims. 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