Find out what are the most common injuries related to
trampolines and how your insurance pay for them
Children, and every other adult, love to jump on a trampoline. This activity gives them the joy and freedom to be suspended in the air like they were flying. However, it only takes a second and a wrong posture when you fall to turn all those smiles and happiness into pain.
The injuries provoked by using the trampolines are more frequent than you think. According to the National Electronic Injury Surveillance System, between 2002 and 2011, the emergency departments record 1,002,735 visits for injuries related to these elastic beds.
The average age of those who were injured was 9.5 years, and the most common injuries were fractures in:
- Upper extremities 59.9%
- Lower extremities 35.7%
- Spine 4.4%
- Skull 1.0%
- Face 2.9%
- Rib/ sternon 0.5%
Other possible injuries that you can suffer on a trampoline include:
- Contusions and other traumatic brain injuries
- Bruises and lacerations
- Neck and back injuries (these could lead to temporal o permanent paralysis)
But how are these expenses affecting your economy? Let us explain to you:
The paper Fractures From Trampolines: Results From a National Database, 2002 to 2011, published in the Journal of Pediatric Orthopedics, states that the cost for treating these fractures was $408 million, while the medical expenses for all the injuries related to trampolines amount to $1,002 billion.
Insurance Company Coverage
If someone gets injured using your trampoline, you have to pay his/her medical expenses. Take in mind that:
- If the injured one is your kid, the hospital bill will be charged to your health insurance.
- If the neighbor’s children or one of your kid’s friends get injured, the medical expenses would be charged to your homeowner’s insurance.
According to the United States Consumer Product Safety Commission (CPC), the use of trampolines is the second cause of injuries among children 0-4 years, and the third cause among kids 5-9 years. This frequency has motivated the insurance companies to avoid any possible relation with trampolines:
- They don’t insure houses that have a trampoline
- They insure the house, but the policy excludes the trampoline.
- They insure the house, including the trampoline, but only if it has a safety net. This means an extension of coverage; hence, the cost of the insurance policy rises.
Whether you have a trampoline or you are thinking about buying one, you must find out where your insurance company stands about them. If the policy includes it, ask what the requirements are. Sometimes, insurance companies ask that the elastic bed is over sand or wood chips to cushion a fall.
You must take in mind that the damage provoked for jumping on a trampoline is not limited to the falls. According to the American Academy of Pediatrics, a lot of cervical spine injuries happen when you try to backflip or somersault, reason enough to discourage its use entirely.
Nevertheless, if you decide to have a trampoline at home, the Mayo Clinic gives these safety recommendations:
- Install the trampoline at ground level. Keep in mind that the higher level of the trampoline, the higher the risk of suffering an injury if your kids fall off.
- To avoid any possible fall, install a safety net that surrounds the trampoline.
- Cover the area that surrounds the trampoline with mats. This way, if your children fall outside the trampoline, they will not injure themselves.
- Never allow that a kid under 6 years uses the trampoline.
- Never allow that more than one kid jumps on the trampoline at the time.
- Never allow your children to use the trampoline without adult supervision.
Note that the life expectancy of a high-quality trampoline is only 5 to 6 years. When this time passes, you have to change it. If you keep using it, the possibility that your children get injured only increases.
If your kid gets injured using a trampoline, remember that at Farahi Law Firm, we have experienced child injury lawyers that will help you obtain the compensation you are entitled to. Contact us today for a free evaluation of your case.
Call us at (844) 244-2955