Recreational Activities | Releases
SUMMARY
"Reforming" courts in Michigan have attempted to limit the rights of people
who suffer injury while engaged in recreational activities. For the most part,
injuries that result from "negligence" or a lack of "due care" can still be the
basis for an insurance claim, however, the execution of a Release, for example,
may let the wrongdoer off the hook. There are other technical defenses that may
come into play in the context of recreational activities.
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RECREATIONAL ACTIVITIES AND RELEASES
"Assumption of the risk"
When someone is injured or dies while engaged in a recreational activity, a
number of different issues arise. One of the first is a general bias which is
similar to the legal doctrine of assumption of the risk. Many adjusters and
jurors are less willing to fully compensate a person injured while "playing"
than they would be if the person were injured while working, for example. There
is no legal basis for this bias, however, it is a factor that must be taken into
account and addressed.
Particular activities and industry standards
The actual rights of the person injured will often vary based upon the
activity engaged in and whether the commercial interests who profit from that
form of recreation have strong lobbyists. For example, the downhill skiing
industry has a strong lobby in Michigan and was one of the first organizations
to obtain special liability rules from the Legislature. The Ski Area Safety Act
applies to all snow sports where a device is strapped to the feet and it
protects Resorts from claims which are "inherent" in the sport.
Tort "reforming" courts have interpreted the latter phrase to include almost
anything the ski area might do. Some exceptions have been carved out by
conscientious judges where the activity that lead to injury was either "grossly
negligent" or virtually irrelevant to engaging in a snow sport. Sadly, actions
such as failing to protect skiers by padding snow guns and other artificial
objects are rarely excluded from this immunity provision and have resulted in
less care being dedicated to making ski slopes safe.
As a general rule, negligence is judged by what a reasonable commercial
establishment in this field would do, however, the injured person is free to
prove that the entire industry fails to exercise due care in a particular
circumstance. Of course it is harder to prove that an entire industry is
negligent, even if it is in only one particular. Other popular recreational
industries who have obtained exceptional liability protection include, for
example, roller skating rinks, horseback riding and equine activities (including
as a spectator).
Frequently, we need to engage the assistance of a professional in the field in
order to educate the judge or jury about "inherent" risks and unreasonable
behavior; sometimes that is not enough. We have found, also, that factfinders
take their duty to the victim more seriously if the injury suffered is
catastrophic or if a child is involved.
Pre-activity Releases
In addition, "reform" minded judges have expanded the protection which these
commercial establishments can secure themselves by allowing them to require the
execution by participants, in advance, of Releases. Many people assume that
these releases do not operate to protect the commercial entity from its own
negligence, and only relinquish the right to make a "frivolous" claim, however,
that is rarely the case. In most cases, the standard form release protects the
entity from its own misconduct or mistake and not merely from inherent dangers.
Twenty years ago, the concept of forcing patrons to release in advance a
negligent actor from the effect of any injury he might cause was strongly
disfavored in the law. Michigan courts were particularly reluctant to allow
commercial establishments to insist upon an enforceable Release taking away a
child’s protection. Some organizations, such as the Girl Scouts of America,
refuse to sanction any activity that would involve the advance execution of
Releases sacrificing the girls’ legal rights.
Today, all forms of Releases are given greater impact in the courts and some are
considered to be completely binding, even where the party released clearly
failed to exercise due care for the injured guest’s safety.. In other cases,
they are held to protect the wrongdoer only if he wasn’t guilty of some form of
"aggravated" negligence. The courts continue to frown upon Releases that purport
to waive a child’s rights. Where possible, it is important to explore the
existence of releases, warnings, and instructions, prior to filing the
complaint.
Settlement Releases
A different form of release is often required by insurance companies at the
time any benefits are paid. Insurers are normally unwilling to pay benefits
without receiving a document from the insured extinguishing or waiving the
insured’s or victim’s corresponding rights. Until about ten years ago, if the
insurer over-reached in the language of the Release, a Court could be asked to
"reform" the Release to limit it to the parties’ original intent. So-called
"tort reform" judges have eliminated that policy, however, and today, any
Release signed by the victim will probably be enforced according to its terms,
regardless of intent and regardless of inequity. This change in policy has
resulted in a number of unintended and unfair outcomes, particularly where a lay
person was not represented by experienced counsel. Some examples to be concerned
about include:
1. Execution of a release in favor of one wrongdoer and his insurer has been
interpreted to release all other wrongdoers, even though that was neither
party’s intent.
2. Execution of a release of the victim’s own insurer for paying no fault
PIP benefits has been interpreted to release a party’s claim against the
wrong-doer for other, different losses, and vice versa. That is, execution
of an unrelated release to a third-party insurer has been held to eliminate
the victim’s insurer’s duty to pay future PIP benefits..
3. Execution of a release may unintentionally discharge the victim’s claim
for Uninsured or Underinsured Motorist benefits from his own insurer.
4. Execution of a release for a drunk who has paid his policy limits will
discharge the bar where he was drinking, even if they served him illegally.
5. Execution of a release in favor of an employee or agent will release his
employer.
6. Release or compromise of some past-due PIP benefits or execution of a
check with a restrictive endorsement may effect the unintentional release of
the insurer from the payment of future benefits.
Recreational User Act
In the 1970s, in order to open up vacant land to recreational uses, the
Michigan Legislature enacted a statute that gave landowners immunity for
injuries resulting from hazards on the land, if the injury occurred to a visitor
who was using the land for free. This was a reasonable gesture, however, within
a few years, the statute was being mis-used to confer immunity upon utility
companies who did not have the capacity to control access and to confer immunity
upon the owners of urban and suburban tracts of developed land completely
outside the scope of the statutory intent.
Our attorneys authored two separate articles addressing this misuse of the act
and one of the articles was cited by the Michigan Supreme Court in a landmark
decision placing more reasonable limits on the scope of this immunity. As
currently understood, the RTLA confers immunity for ordinary negligence when
land in its natural state is opened for recreational use, provided no entry fee
is charged. Because of developments in the area of the "open and obvious"
defense to premises liability, there has been little pressure on this statute
recently: many of the injuries that resulted in valid claims fifteen years ago
cannot now be pursued because the dangerous condition would have been
"perceivable" by the guest under optimal circumstances..
Limitations on Recovery
As in all personal injury cases, there are limitations on recovery of which
you should be aware. You may
read more about these limitations here.
Statutes of Limitation
Whenever the law grants a right to seek recovery for wrongdoing, it also places
restrictions on how long the victim has in which to take legal action. If the
victim delays too long in seeking compensation, he is said to have "slept on his
rights" and his claim will not be heard. These limits are called "statutes of
limitations" and they vary depending on the nature of the wrong that was
committed. In many cases, there are other limitations on taking legal action, as
well.
If you or a loved one has been injured, it is important that you promptly
contact a qualified personal injury lawyer to investigate your rights so that
you do not lose your right to recover damages.
You can review the time
limits here.
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This web site is designed for general information only. The information
presented at this site should not be construed to be formal legal advice nor the
formation of a lawyer/client relationship.
Email:
info@tovlaw.com

This web site is designed for general information only. The information
presented at this site should not be construed to be formal legal advice nor the
formation of a lawyer/client relationship.