Was Monta's scooter accident covered by insurance?

by warriorsvictim on Mar 24, 2009 11:02 AM PDT Comment 18 comments

After the collective bargaining discussion in another post, I started reading through the CBA on the NBA Player's Association website.

There are provisions that state a player's contract can be terminated for participating in activities that "a reasonable person would recognize as involving or exposing the participant to a substantial risk of bodily injury" or in specific activites that are banned in the player contract. The team can also decide to just fine the player as was done in Monta's case.

There is some language in the CBA that discusses the fact that the team may choose to take out an insurance policy on each player and that the insurance policy would ban certain activities. Basically it looks like the team would take out an insurance policy for on the court or other team sanctioned events that result in injury.

I searched through as much media coverage as possible for a mention of a Warriors insurance policy on Monta and whether it could have covered injuries outside of basketball. I found none.

There are acceptable activities such as swimming and hiking that are allowed in his contract, but could still be dangerous under certain circumstances. I wonder if the Warriors would have received a payment on the insurance policy if Monta hurt his ankle hiking for example? Mopeds are not mentioned specifically in the contract, although motorcycles are, and one could argue that a reasonable person would not expect moped riding to be dangerous (especially on a residential street)

Is it possible the Warriors fined Monta for missed games and will get that money back from isurance as well? The Warriors would basically make a profit off of Monta's injury.

Does not seem like a ridiculous question based on Nellie and Mullin stating that they didnt think this was a big deal. Maybe they were speaking on financial terms knowing the insurance company would pay out, not on terms of Monta missing games and hurting the team.

This FanPost is a submission from a member of the mighty Golden State of Mind community. While we're all here to throw up that W, these words do not necessarily reflect the views of the GSoM Crew. Still, chances are the preceding post is Unstoppable Baby!

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Good post.

At first I was skeptical and hesitated in reading this blog because I am honestly sick about talks of the Moped incident. It has been the biggest dagger to us Warrior fans and I was able to get over it once the regular season started but it just kept creeping in my head as the season continued all the way to where we fall in the standings of not being able to make it to the playoffs this year.

I finished reading this post and I thought it was a good one because it brings up a good point that most of us already know but needs to always be re-emphasized:

The Warriors Front Office has a strict focus on money and only care about the monetary part of this franchise while Mullin and Nellie’s concentration was based on basketball itself. (wow. i just complimented Nellie.)

I think it was a big deal to Ownership, Mullin, Nellie, Warrior fans (the whole world possibly?) etc, which it should be but the difference is that Mullin and Nellie realize that Monta was going to be able to recover and still realize he is a very important piece to this team which makes it forgivable.

Ownership’s anger and grudge towards Monta is very understandable, but Monta is our star which they should have been more careful with the treatment of the situation. Even though they did sign him for 66 mil, it was one of their best signings as opposed to a Foyle signing or Mike Dunleavy.

Despite the Moped incident, I still think it was a good signing because it was a Warrior Stud (besides Jrich) that I finally was really happy about because I have loved watching Monta grow as a player and hope to see him succeed as a Warrior for along time.

I think Ownership should have forgave Monta from the beginning (even if they didnt feel that way. Should be easy for them fakes to do, right?) and if Monta’s injury never healed, that’s when they have a right to attack him, threaten him, void his contract…etc.

Monta’s recovery has gone well in my eyes. I really hope he stays with us, but the drama between him and the FO just doesn’t seem to convincing to me.

Go Warriors still.

Romes Mac Mojous

by ROMESdavidWOOD37 on Mar 24, 2009 12:47 PM PDT reply actions 0 recs

damn, monta could have lied and said he was hiking.

by HoLdEmUP on Mar 24, 2009 12:51 PM PDT reply actions 0 recs

loll

Romes Mac Mojous

by ROMESdavidWOOD37 on Mar 24, 2009 1:08 PM PDT up reply actions 0 recs

he tried lying. didn’t work so well.

heart of a champion, will of the warrior.

by cap'n hack on Mar 24, 2009 3:35 PM PDT up reply actions 0 recs

I said it before and i'll say it again......

I HATE MOPEDS!

We don't make it rain mayne! We stack that bundle..Frisco n*ggaz don't lack no hustle!

by ItsDatFriscoSwag84 on Mar 24, 2009 1:37 PM PDT reply actions 0 recs

I HATE MOPEDS!

Mopeds don’t kill, people do

Now wheres the rubbers? Whose got the rubbers?
I noticed there's so many of them
and there's really not that many of us.

by Skeptic con Urquell on Mar 24, 2009 2:29 PM PDT up reply actions 0 recs

Mopeds don’t kill, people do

People make mopeds

We don't make it rain mayne! We stack that bundle..Frisco n*ggaz don't lack no hustle!

by ItsDatFriscoSwag84 on Mar 24, 2009 4:28 PM PDT up reply actions 0 recs

People make mopeds

but they don’t make them kill

Now wheres the rubbers? Whose got the rubbers?
I noticed there's so many of them
and there's really not that many of us.

by Skeptic con Urquell on Mar 24, 2009 9:11 PM PDT up reply actions 0 recs

I dunno...

Some badass flamethrowers would make for one killer moped. Literally.

by GoldenStateGuerrero on Mar 25, 2009 12:51 AM PDT up reply actions 0 recs

but they don’t make them kill

But they could….haha

We don't make it rain mayne! We stack that bundle..Frisco n*ggaz don't lack no hustle!

by ItsDatFriscoSwag84 on Mar 25, 2009 9:22 AM PDT up reply actions 0 recs

I think we can all agree...

that the combination of the right person with the right moped can definitely kill an entire basketball season.

Thing 2

by olympicmike on Mar 26, 2009 12:33 PM PDT up reply actions 1 recs

+1

Not only did Monta destroy our season, but its possible that the Crawford trade was made to hold us over till Ellis got back. And after losing fan support from the loss of Baron and Monta, the Warriors front office(mistakenly) thought that extending Jack and Nellie would excite the fans. Its unfair to blame Ellis for all that, but he certainly does deserve a large part of this disasterous season.

Thing B

by warriorsscore110 on Mar 26, 2009 2:50 PM PDT up reply actions 0 recs

one could argue that a reasonable person would not expect moped riding to be dangerous (especially on a residential street)

you’re absolutely right, but one could also make a (stronger?) argument that there is not a large enough difference between a motorcycle and a moped, so it was still a banned activity.

… that’s really all i have to say, i have no real good idea about this insurance/CBA/NBA/ABA/AA/NYPD/etc. stuff…

by Run Dubz on Mar 25, 2009 11:14 AM PDT reply actions 0 recs

I think that was his argument, but in reality he was probably on a dirt bike.

Or doing something very dangerous on that moped.

by Nuck Chorris on Mar 25, 2009 12:01 PM PDT reply actions 0 recs

what are the odds

Monta was actually riding a metal mullisha style super moto nasty ass bike? He crashed like a dumb ass and the warriors made him say it was a moped as part of his punishment.
mopeds just aint cool under any circumstances

by warriorsvictim on Mar 25, 2009 4:13 PM PDT reply actions 0 recs

I read somewhere that he was on a 250cc and if there are any motorcyclists out there, a 250 is NO moped, those things can get up considerably fast, maybe not as fast as a 600 or 750 but quick enough for it not to be considered a “moped”

WARRIORS BASKETBALL!!! Patiently waiting for a title...I may be waiting for a long time...

by JustSomeName on Mar 26, 2009 12:22 PM PDT reply actions 0 recs

if there are any motorcyclists out there

yeah, I usta race motocross and a 250 can be pretty fast but it’s safer than a moped, much better handling on the average 250 than a moped. Mopeds and scooters are more for sedate city use.

Now wheres the rubbers? Whose got the rubbers?
I noticed there's so many of them
and there's really not that many of us.

by Skeptic con Urquell on Mar 26, 2009 2:59 PM PDT up reply actions 0 recs

If that is the case

I wouldnt be surprised if there was an insurance policy covering motorcycle accident. The list of athletes who ride motorcycles despite it being barred in the contract is crazy long.
Pro level teams might have some coverage knowing the players are going to break the rules and a fine is not going to recoup the total losses in games lost, ticket sales lost, STH sales lost, merchandise sales lost, etc

by warriorsvictim on Mar 27, 2009 12:01 PM PDT reply actions 0 recs