Questions Regarding Soccer Accidents, Certificates of Insurance, General Liability, Auto Insurance, and Special Events
- Soccer Accident Insurance
- What type of policy is the Soccer Accident Insurance (SAI)?
It is a Full Excess Policy and all claims will be paid on a Usual & Customary basis paying medical costs up to $50,000 maximum per claim to an insured person for accidental bodily injuries occurred as a direct result of participation in a covered activity.
- What does Full Excess mean?
Full Excess means you must submit your medical bills to any other applicable health care plan you have in force, prior to making a claim under this policy. If your medical coverage is under an HMO or similar plan, you must follow their rules for obtaining benefits; otherwise no benefits will be paid under this policy. Refer to the SAI brochure your were given during registration or on this website by clicking on the Parents tab, then Insurance to download the SAI Overview for more information.
- What is Usual & Customary?
Usual & Customary means claims will be paid for medical fees and services that do not exceed those generally charged for similar Medical Care in your area.
- Is there a deductible required?
Yes, there is a $200 deductible. The AYSO policy would consider claims applied to the another policy's deductible in accordance with all policy provisions after applying the $200 deductible to the first $200 of allowed expenses under the other policy. AYSO's policy is a Full Excess, pays Usual & Customary and will not always reimburse in full as there are plan limitations. It is not a Flex Plan but evaluates all claims in accordance with policy provisions.
- What if I have no other insurance?
If there is no other insurance available to the participant, the claim will be processed on a primary basis. See the claim form instructions on how to submit a claim for primary coverage.
- Where do I find the SAI claim form?
You can locate the SAI claim form on this website by clicking on the Parents tab, then Insurance.
- What happens if I don't file within 90 days as required?
You run the risk of having your claim denied. If you file the claim late and it is denied, you may be offered the ability to file an appeal.
- How quickly after an injury should I see a doctor?
The first medical expense must be incurred within 60 days of the covered accident/injury. Emergency Room visits must be done within 48 hours of the covered accident/injury.
- Why does our insurance company need a Social Security or visa number?
The AYSO SAI Claim form is an application for insurance benefits and our Third Party Administrator is allowed by the Department of Insurance to request this information in order to ensure accurate claims processing and for HIPAA verification. SAI Claims submitted without either of these numbers will not be processed.
- Are Social Security and visa numbers secure?
Yes. It is used only for claims processing and claimant identification. It is not published on any information that leaves their office and it is never given out in any phone conversation. Their computer systems, email and fax lines are all secure and compliant with federal HIPAA regulations. Their security is updated regularly in accordance with the Department of Insurance and the Department of Health and Human Service Regulations.
- Why do I need to put an AYSO ID # on my claim form before filing?
Because the claims processing agent must validate the player or volunteer is properly registered in the eAYSO membership system before they can pay the claim.
- Why is it important to validate the AYSO ID # before processing the claim?
Because we don't want to pay claims to people who should not be filing them. Doing so wastes money that could be spent on soccer programs to benefit kids instead of fraudulent claims. This is no different than claims validation you probably experience at your place of employment. And it's just the right thing to do!
- What is an AYSO ID # anyway?
As a player you receive an AYSO ID # after completing the registration process and paying the registration fee to your local region. Volunteers receive AYSO ID #'s after completing a formal National Office approved volunteer application form AND being approved by trained local volunteers and national AYSO staff.
- Where do AYSO ID #'s come from?
AYSO ID #'s are automatically generated from eAYSO, the standardized web based membership system available to all AYSO regions from the National Office.
- How can I find out what my AYSO ID # is?
- Are AYSO ID #'s important?
YES YES YES --- and YES they are very important! Just as important as the number of your street address. This is the key to how your local AYSO volunteers and the national AYSO staff track your insurance eligibility.
- If I have registered and paid my player fee and filled out a volunteer application form, why would I ever be told I do not have an AYSO ID#?
If you did not use close answer
- Are there any other reasons why I wouldn't have an AYSO ID#?
There shouldn't be - but if you ever need this number and are told you cannot or do not have one, or that you don't need one you should immediately call the AYSO National Office and report this.
- Why do I need to put a Region # on my SAI claim form and what is a Region #?
Good question! AYSO is a national organization divided into approximately 1,000 local communities we call regions. Every region has an identifying regions number.
- How can I find out what my Region # is?
Ask you local regional commissioner or registrar.
- What will happen if my SAI claim form is not filled out completely and accurately?
It will not be processed as quickly as it should be. If there is missing information the claim will be returned to you to correct or complete.
- Why does my SAI claim form need to be signed by the Regional Commissioner and Safety Director?
The signatures of the Regional Commissioner and Safety Director ensures they are aware of the injury and provides further verification that the player and/or volunteer is property registered.
- How do I contact the Regional Commissioner and Safety Director?
- What are the claims processing agents looking for when they validate my AYSO ID#?
They are looking for 2 things. First, is the AYSO ID valid? In other words, does it exist in the eAYSO membership database? Second, if the AYSO ID# exists, is the player or volunteer registered for the season in which the injury occurs?
- Certificate of Insurance
- Why do we need to get our certificates of insurance over the internet?
Producing certificates of insurance is a necessary but costly business process. Using eCertsOnline helped us minimize premium costs.
- Will my Region be charged for each certificate?
No not directly. We have built in the cost of producing certificates into the total per player premium.
- What if I can't figure out how to use the online insurance certificate tool?
No problem. From this website click Resources, Insurance, Certificates of Insurance - then use Step 3, Contact Us. Or call the National Office at 800-872-2976.
- What if the entity requesting a certificate of insurance will not accept the standard form produced via the online system?
Call the National Office at 800-872-2976.
- Will last year's insurance certificates be renewed automatically?
No, unfortunately there is no blanket automatic renewal from year to year. This means that if you had previously requested and received a certificate of insurance for last year, you must now go to eCerts Online and generate a certificate for the new year. But, the good news is that once you have set up all of your holders, when you need to renew a certificate next year, or even reproduce one you've already sent for the current year, you can just call up the existing holder in eCerts Online, check the select box and then click on the issue button and you're done!
- General Liability
- Is it true that our General Liability policy is considered "excess coverage"? What does that mean?
Our policy provides primary coverage unless the incident occurs during a non-soccer related event. For instance, if a volunteer holds an end of season party at their house, our carrier will provide excess coverage over any underlying homeowner's policy. This means that anyone suing you for an incident that may occur during the non-soccer related event would first look to your homeowners policy for coverage if one exists, and then to the AYSO liability policy, in that order.
- As a registered volunteer, if I deliberately cause injury to another person during an AYSO event or publish materials with intent to do harm, do I have coverage under AYSO's General Liability policy if a lawsuit is filed against me?
There is no coverage for AYSO's volunteers under our General Liability policy for any intentional acts.
- My child is on an AYSO team and during a game was involved in a fight with another player who was injured. Do we have coverage under AYSO's General Liability policy if the other parents file a lawsuit?
There would be no coverage under AYSO's General Liability policy for that type of lawsuit. Our policy specifically excludes player versus player lawsuits.
- Why does AYSO not provide liability coverage for lawsuits arising out of player versus player situations?
Because injuries arising out of playing the sport of soccer or other activities associated with soccer such as practices, games, pre- and post- game activities, related non-athletic activities are considered part of the sport and excluded from our General Liability coverage. AYSO and its insurance carrier insures for activities related to its operations, not private incidents between two players or volunteers.
- I am a registered volunteer and was involved in an altercation with another volunteer. He/she said they are going to file a lawsuit. Do I have coverage under AYSO's General Liability policy?
There would be no coverage under AYSO's General Liability policy for that type of lawsuit. Our policy specifically excludes participant versus participant lawsuits.
- Why does AYSO not provide liability coveage for lawsuit arising out of volunteers versus volunteer situations?
AYSO and its insurance carrier insures against negligent activities related to its operations, not private incidents between tow players or two volunteers.
- I was coaching a game where a fight broke out between the players. I ran onto the field to break it up, tripped and fell to the ground on top of a player, breaking the player's arm. Do I have coverage under AYSO's policy if the parents file a lawsuit against me?
Yes! There would be coverage under AYSO's current General Liability policy for that type of lawsuit.
- I am a registered volunteer and coach in my Region, and a parent has accused me of sexual abuse. Will AYSO's General Liability policy provide primary coverage for me, or will I have to use my homeowner's policy first?
Yes, you will be covered by AYSO's policy on a primary basis, and you will not have to look to your own homeowner's policy. A person will have coverage up to the point where it is determined that that person took part in inflicting physical or sexual abuse upon another person. All General Liability policies exclude intentional acts once proven by a court of law.
- While attending an AYSO Event a strong gust of wind uplifts an AYSO tent and throws it into the parking lot damaging my vehicle. Will AYSO pay for the damages?
As the owner of the vehicle owner you must file the claim through your own insurance company to immediately rectify the damage or drivability to the car. Wind, rain, and other natural occurrences are considered by insurance companies to be "Acts of God." These types of occurrences are not "at fault" coverage's where a company is negligent or legally liable.
- We have soccer teams celebrating the end of their season at local restaurants and various amusement park locations. Is there coverage under AYSO's General Liability policy?
No, this would be considered an uncovered off-field activity. Coverage would only be provided through the Soccer Accident Insurance (SAI) policy. There is no coverage under the AYSO General Liability policy. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
- I am a parent who takes several children to and from practices or games. Do I have automobile insurance coverage under AYSO's policy?
No, coverage would fall under your own automobile policy. However, in the event of an accident, all the registered players would be covered under our Soccer Accident Insurance (SAI) policy.
- We are traveling to a tournament and will be renting a 15-passenger van? Do we have coverage under AYSO's automobile policy?
No, you will not have coverage. AYSO recommends you purchase the insurance coverage offered by the rental company regardless of the vehicle chosen. AYSO also strongly recommends not renting 15-passenger vans as the risk of accident with these vans is significantly higher than a private passenger auto.
- I am traveling to another Region to do training and will be renting a car. Will I have coverage under AYSO's automobile policy?
No, you will not have coverage and we recommend that you pick up any additional insurance the rental company offers.
- Who can rent vehicles and have coverage under the AYSO automobile policy?
AYSO covers a specific list of volunteers and employees who are cleared to rent vehicles when requested to conduct official AYSO business by the National Office. If you are not on that list then you would not have coverage and you would have to rely upon your own automobile insurance to provide coverage.
- Who are the specific volunteers and employees able to rent vehicles?
Currently the list includes those serving as National Board members, Special Directors, Section Directors and National Office staff who have passed a DMV check.
- Special Events
- Our Region wants to sell fireworks as a fundraiser this year. Do we have coverage under AYOS's General Liability policy?
No! AYSO's General Liability specifically excludes the selling of fireworks. If your region is determined to sell fireworks, the firework provider (owner) will need to issue a certificate of insurance to AYSO, listing AYSO as additional insured, and this insurance certificate must meet minimum AYSO standards. It is imperative you contact the National Office at 800-872-2976 for more information.
- Our Region wants to offer a bounce house or an amusement ride at our opening date ceremonies and need to know if we have coverage under AYSO's General Liability policy?
No! AYSO's General Liability policy specifically excludes bounce houses, amusement rides and various other non-soccer related activities. For a more detailed list of excluded items, contact the National Office at 800-872-2976.
- My Region would like to participate in a parade with registered players and volunteers riding on a trailer or walking beside the vehicle. Do we have coverage under AYSO's General Liability policy?
No, this would be considered an uncovered off-field activity. The AYSO policy would exclude liability and auto coverage for this type of event. Auto coverage would fall to the insurance policy of the driver of the vehicle. However, our Soccer Accident Insurance (SAI) policy would be available to registered players or volunteers.