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Old 24.01.2019, 12:26
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Ski accident - insurance

After typing it, it feels like a rant ..so sorry for that and you've been warned..here it goes..


I finally decided in all my infinite wisdom its time to test my body and well-tuned reflexes by learning to ski

Enrolled myself in a ski school in Flumserberg.

It went pretty well tbh first day. Second day we were skiing back to the restaurant for lunch. I was among the last in the group and wearing the ski glasses...looking straight ahead ..going slow and collided with a kid coming on a t-bar..

I guess its my fault ..i can only say (i don't say it is an excuse) it was the first time i was on a slope and i was trying not to fall down and did not know i have to look not only ahead but also left and right..my basic ski glasses did not help and neither my (un)analytical thought process

The kid fell down and the mother and my ski instructor came over. Long story short, i was out of the conversation.. the mother preferred to talk only to my instructor and insisted her son is really injured and they asked me for my contact details which i gave

Don't get me wrong.. i have a toddler of my own and i felt really really bad (still do) and apologized many times

The mother just zoned me out, went away with the kid and the instructor and i went back to the restaurant.

As per the instructor, it was a minor accident (the kid was crying but he seemed ok) and she could not get it why the mother was so worked up (the mother did say certain things about my presence in neutral CH to the instructor, but i am already well integrated on that here)

Now, the mother texted the instructor - the doctor says the kid is ok and they want to do a Xray on a shoulder just to be sure - scheduled 5 days after the incident.

My question is if the doctor says all is good with the child, do i still have to pay the bills ? I do have private liability but i still have to pay the initial 200 i guess..

Any pointers appreciated !

clumsy me and skiing..should have kept myself and others safe by just watching Netflix in the winter...
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Old 24.01.2019, 12:32
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Re: Ski accident - insurance

If the doctor wants to do an X-ray just pass it on to your insurance, if the mum herself decides so for no obvious reason I'd say it is their problem.
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Old 24.01.2019, 12:52
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Re: Ski accident - insurance

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After typing it, it feels like a rant ..so sorry for that and you've been warned..here it goes..


I finally decided in all my infinite wisdom its time to test my body and well-tuned reflexes by learning to ski

Enrolled myself in a ski school in Flumserberg.

It went pretty well tbh first day. Second day we were skiing back to the restaurant for lunch. I was among the last in the group and wearing the ski glasses...looking straight ahead ..going slow and collided with a kid coming on a t-bar..

I guess its my fault ..i can only say (i don't say it is an excuse) it was the first time i was on a slope and i was trying not to fall down and did not know i have to look not only ahead but also left and right..my basic ski glasses did not help and neither my (un)analytical thought process

The kid fell down and the mother and my ski instructor came over. Long story short, i was out of the conversation.. the mother preferred to talk only to my instructor and insisted her son is really injured and they asked me for my contact details which i gave

Don't get me wrong.. i have a toddler of my own and i felt really really bad (still do) and apologized many times

The mother just zoned me out, went away with the kid and the instructor and i went back to the restaurant.

As per the instructor, it was a minor accident (the kid was crying but he seemed ok) and she could not get it why the mother was so worked up (the mother did say certain things about my presence in neutral CH to the instructor, but i am already well integrated on that here)

Now, the mother texted the instructor - the doctor says the kid is ok and they want to do a Xray on a shoulder just to be sure - scheduled 5 days after the incident.

My question is if the doctor says all is good with the child, do i still have to pay the bills ? I do have private liability but i still have to pay the initial 200 i guess..

Any pointers appreciated !

clumsy me and skiing..should have kept myself and others safe by just watching Netflix in the winter...
You hit a kid off the t-bar? Really? ROFL. The path of those is pretty clear and does not change for the life-time of a ski-lift normally.

However, the kid's insurance will pay the bills. That insurance may or may not get in touch/sort it out with your liability-insurance.

If the mother wants more money, she needs to file a private suit. Not something that is usually crowned with success in Switzerland.

Keep skiing. Do it as we do anything else in life: judicious.
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