Summer camp is just around the corner for millions of children across the State of Florida and around the country. Our Miami injury lawyers are frequently asked if there is insurance coverage for injuries when kids are hurt traveling to and from summer camp and on camping field trips.
The acid test for every Miami children’s injury lawyer who sues summer camps–or cruise lines, and other businesses–is did the injury occur “in the course and scope” of the counselor’s duties? For nearly 25 years I have battled insurance companies on this issue and have learned that commercial insurance policies are designed to protect the insurance company’s profits–not the camps, not the counselors, and certainly not the injured campers.
Camp Volunteer Causes Head-On Traffic Accident
Recently a “Registered Volunteer” camp counselor for Troop 370 of the Boy Scouts of America, Alan Norton, was involved in a terrifying head-on collision. Mr. Norton was driving back from a Florida cemetery where he had been supervising a Boy Scout who had, over the course of eight visits, assisted in cleaning up a Florida cemetery, in hopes of earning an Eagle Scout Merit Badge.
On the last and fateful visit, Mr. Norton had forgotten to photograph the cemetery to verify the Scout’s work, so he drove home to retrieve his camera with the intention of returning to the cemetery to take pictures. Photographing the work was mandated to verify that the Scout had in fact met his requirements.
On the return drive, Mr. Norton hit Chris Hubner head-on, seriously injuring Mr. Hubner and himself. Mr. Hubner sued the Boy Scouts of America for his injuries resulting from the car accident.