Telluride’s Lift Tickets Now Include $25k Injury Coverage: Is it Enough?

There’s No Business Like Snow Business

Year after year, Colorado’s ski resorts go to battle to attract and retain season pass holders and daily visitors. Lift tickets provide the foundation of ski-nomics, accounting for roughly 50% of each resort’s revenue every year. After all, if they don’t have anyone skiing down their mountains, what do they have? (Well, that’s subjective, but we can tell you what they won’t have: revenue from equipment rentals, food and beverage, and snow school – all of which generates the other 50% of revenue.).

The stiff competition among Colorado’s ski industry titans results in a fierce, annual season pass war. And with the uncertainty of the pandemic, the precarious climate, and inflation reaching a record high, this year’s duel over season pass sales got very interesting.

Vail Resorts, for example, slashed their Epic Pass prices by 20%, which proved to be a huge success. The price cut helped Vail sell 2.1 million passes for the 2021-22 season, 900,000 more than the 2019-2020 season.

Telluride’s new strategy? Add value without cutting prices.

TELLURIDE’S NEW MILE HIGH STRATEGY

Telluride ski area, in partnership with tech startup, Spot, is now offering $25,000 accident medical expense coverage for skiers and snowboarders injured on the mountain. The coverage is automatically included in the price of every lift ticket and season pass Telluride sells during the 2021-2022 ski season.

Anyone who skis and snowboards knows there is risk involved with participation in these sports. So having a $25,000 security blanket, so to speak, for any medical expenses that result from a ski accident is great. But we wondered, how much does the average ski injury cost?

We sat down with Evan Banker, ski injury attorney, and partner at Chalat Hatten & Banker and asked:

IS $25,000 ENOUGH TO COVER MEDICAL EXPENSES AFTER A SKIING ACCIDENT?

“The interesting thing about personal injury law is that no two cases are ever the same,” Evan explains. “Every situation and every circumstance is unique, so the answer to that question is it depends. In some cases, yes, $25,000 could be enough to cover medical expenses after a skiing or snowboarding accident. Generally, however, the answer is no. A common injury resulting from a skier collision is an ACL tear. Medical expenses for a torn ACL, including doctor’s visits, MRI, surgery, location costs, medication, rehab/physical therapy, can easily be in the $30,000 range.”

In this example, with the Spot coverage, you might come out even, or maybe be out a few thousand dollars. “But,” Evan goes on to say, “you haven’t been compensated for your time off work. You haven’t been compensated for your pain, or the ordeal you’ve gone through. You haven’t been compensated for the damage to your knee going forward. You haven’t been compensated for the ruined vacation. Yes, it’s a good thing that $25,000 was covered, but it is not full compensation.”

While no two cases are the same, let’s play out this example. In our extensive experience with ski injury accidents, it is typical to see claims for skier collisions that resulted in an ACL tear, with a good healing result, in settlements in the range of $70,000 – $100,000. Even after paying an attorney and paying back your health insurance (they are secondary to the at-fault skier), here is a reasonable range of outcomes*:

Spot Medical Coverage 

Out of pocket: $0.00;

Total compensation $0.00

$70,000 Settlement

$24,500 attorney fee, $10,000 repayment to health insurance**;

Total compensation: $35,500

$100,000 Settlement

$35,000 attorney fee, $10,000 repayment to health insurance**;

Total compensation: $55,000

*No two cases are the same, and past results are no guarantee of future success.

**Repayment to health insurance is taken from the settlement; there is no out-of-pocket expense to repay health insurance.

MODERATE SKI ACCIDENTS VS. SERIOUS SKI ACCIDENTS

An ACL tear with good healing results, although no laughing matter since they can be very painful and can require months to heal, would be considered a moderate injury. Sometimes, ski collisions can result in an ACL tear along with other injuries such as broken bones. Surgeries to repair a broken arm can cost up to $16,000, and a broken leg might cost up to $35,000.

It is not uncommon, however, for ski collisions to result in more severe injuries such as a traumatic brain injury which typically requires life-long treatment and care and hundreds of thousands, if not millions of dollars.

If you were injured in a ski collision in Telluride, don’t be tempted by a $25k medical expense reimbursement policy without knowing all of your options. Do your research, call your friends and family, contact an experienced ski collision attorney before making any decision.

DENVER, CO SKI INJURY ATTORNEYS AT CHALAT HATTEN & BANKER

For an appraisal of your case, please call and talk with a lawyer experienced in ski collision cases. We are here to walk you through your legal options and answer any questions you may have. We represent clients throughout the state of Colorado, including Denver, Aurora, Boulder, Lakewood, Fort Collins, Colorado Springs, Summit County and Eagle County.

Waivers don’t shield ski resorts that violate state law from liability, Colorado Supreme Court rules Miller v. Crested Butte, LLC

The pages of fine print that skiers and snowboarders must agree to when hitting the slopes in Colorado — waivers of liability — do not protect ski resorts when resorts violate state laws or regulations, the Colorado Supreme Court ruled Monday.

The ruling, handed down in the case of a 16-year-old girl who fell from a ski lift at Crested Butte Mountain Resort and was paralyzed two years ago, likely ends a years-long push by the ski industry to use waivers to shield resorts against almost all lawsuits, even in cases where ski areas violated state law, experts said.

“It’s a sea change, in terms of ski areas’ responsibilities and consumers’ ability to be protected from ski areas’ negligence,” said Evan Banker, a personal injury attorney at Denver firm Chalat Hatten & Banker. “…From a consumer protection standpoint, it’s huge. Because liability breeds responsibility.”

In their 5-2 decision, the Colorado Supreme Court justices considered a lawsuit brought by Annie Miller and her father, Michael Miller, over Annie’s 30-foot fall from a lift at Crested Butte, which is owned by Vail Resorts. The father and daughter from Oklahoma boarded the Paradise Express chairlift, a four-seat, high-speed lift at the resort, on March 16, 2022.

Annie couldn’t get properly seated, and grabbed the chairlift to keep from falling. Her father and others began to yell for the lift to be stopped as she was dragged forward, but the lift continued with Annie hanging from the chair and her father trying to pull her back to safety.

Eventually, Annie fell and landed on her back. Even then, the lift did not stop, and Michael Miller was forced to ride to the top and ski down to his daughter, who suffered severe injuries and was paralyzed after the fall.

Michael Miller brought a negligence lawsuit against Crested Butte, arguing that the resort employees should have stopped the lift well before Annie fell and that failing to do so violated Colorado’s Ski Safety Act and the Passenger Tramway Safety Act. A lower court ruled much of Miller’s claim was invalid, and he appealed to the Colorado Supreme Court.

Monday’s ruling partially reversed the lower-court decision and allows Miller to continue to pursue the negligence lawsuit against the resort.

Sara Huey, a spokeswoman for Vail Resorts, declined to comment on the ruling because the Millers’ lawsuit is ongoing. In court filings, attorneys for Vail Resorts argued that the lawsuit misstated the precedent in Colorado around private liability waivers, which skiers and snowboarders must agree to when buying lift tickets and passes.

“Colorado courts have upheld private recreational waiver agreements, even where the plaintiff could have (or did) point to a statute regulating the activity,” attorney Michael Hofmann wrote. “The existence of recreational safety regulation has never been enough to prohibit private parties from agreeing that a waiver defense will be available.”

“Big victory for ski safety”

More broadly, the state high court’s decision likely ends efforts by the ski industry to expand the protections that waivers of liability give ski areas.

“This was a big victory for ski safety in Colorado,” said Bruce Braley, who represented the Millers. “It says unequivocally that ski areas cannot force skiers and snowboarders to sign away their rights to protection under the statutes and regulations that govern the ski industry in Colorado.”

The ruling turns back the clock on liability in some Colorado ski accident cases, Banker said.

“For many, many years… everyone sort of agreed that when you sign that waiver you are waiving claims of negligence, but you can always still make claims if the ski area fails to do the things it is required to by law, like maintaining the lift properly,” Banker said.

But since about 2017, the ski industry has been successfully challenging that understanding through targeted litigation, winning key court cases that strengthened the protection afforded by waivers and pushing to essentially provide complete immunity for anything that could happen at a ski resort unless there was gross negligence, Banker and Braley said.

“So what this has done is change that,” Banker said. “It brings us back to the landscape everyone understood it to be many years ago. Which is, you can waive claims of negligence, but the ski area doesn’t get to avoid its legal responsibility, its responsibility in statute and regulations, by having you sign a waiver.”

Adrienne Saia Isaac, a spokeswoman for the National Ski Areas Association, a Lakewood nonprofit that represents more than 300 sk- area members, said it is “too early to tell how the ruling will affect the Colorado ski industry.”

The association argued in court filings both that the lift operator at Crested Butte was not required to stop the lift in response to Annie Miller’s mishap, and that liability waivers do not allow ski areas to get around statutory regulations.

“While chairlift accidents within the reasonable control of ski area operators will never be eliminated, they are rare,” wrote Brian Birenbach, an attorney in Breckenridge representing the National Ski Areas Association. “This will not change by the continued enforcement of liability waivers in the courts.”

Source:  SHELLY BRADBURY | sbradbury@denverpost.com | The Denver Post

Article: Liability waivers don’t shield Colorado ski resorts that violate law (denverpost.com)