Secondary Insurance Coverage
Michigan State Youth Soccer Association (MSYSA), its affiliated associations, leagues, clubs and all officers, directors, coaches, employees, teams, team officials, and volunteers while acting on behalf of Michigan State Youth Soccer Association at a covered activity are covered by MSYSA’s General Liability Benefits. Insured persons are covered for injuries resulting directly and independently of all other causes from accidents occurring while participating in the following covered activities:
- Scheduled games, team practice sessions, tryouts or sponsored activities provided they are under the direct supervision of a team official; or sanctioned local or national tournaments as a member of a contestant team.
- Organized and supervised group travel as authorized by the Policyholder directly to and from a covered event.
Injury claims are handled directly through MSYSA. All injuries from MSYSA or US Youth Soccer activities must be reported, in writing, to both WMYSA and MSYSA via phone or email within 7 days. For insurance claim questions, contact Julie Pearson at MSYSA: stateoffice@michiganyouthsoccer.org.
Eligibility:
A. Claimant must be registered at time the injury took place.
B. Claimant’s injury must have taken place on an insured field location.
C. A club representative (coach, board member) MUST submit the following information within 7 days to both MSYSA ( StateOffice@michiganyouthsoccer.org ) and WMYSA ( Communications@wmysa.org ):
- Full name
- Date of birth
- Club & full team name
- League/Division of Play
- Location: Venue/Field Name and address; if out of state tournament include a copy of approved “Notification to Travel”
- Type of activity (game, practice, scrimmage, tournament)
- Date of Injury
- Description of injury, must include how it happened
Once the club has submitted the incident to MSYSA and WMYSA, the injured party will then complete the following:
Claim form must be submitted by injured party and received by MSYSA State Office no later than 30 days from date of injury. This step is personal insurance information and does not need to wait for the billing expenses at this time.
Once the actual claim is filed with MSYSA, an adjuster is assigned and communication between the parties exists on the need for multiple visits, surgery down the road, additional treatments, etc. Payment will be made for any expenses incurred up to 104 weeks from the date of injury.
$500 deductible applies for all eligible claims.
Michigan State Youth Soccer Association excess accident medical insurance policy is secondary insurance. Failure to follow the rules of your primary healthcare coverage will result in a benefit reduction of eligible expenses to 50% of the amount otherwise payable. “Injury” means bodily injury of an Insured Person resulting directly and independently of all other causes from an accident which occurs while he or she is participating in a covered activity. Sickness or disease (except for forming infections which occur through an accidental cut or wound) of any kind will not be considered as bodily injury. Reasonable Expenses means usual and customary charges.
WMYSA Locations Covered Under Insurance
If your club is utilizing a location for games, practices, camps, training, etc and it is not listed on your club affiliation paperwork, then you run the risk of injuries not being covered. Please verify the facility/location is on the list. If it is not please send it to the WMYSA. Be sure you include your club the name as well as the name of the facility and full address of that facility/location so it can be added to the certificate of insurance.