The MAAA is involved and manages all accidents and incidents that have the potential to result in an insurance claim. This could involve damage to property or injury to a person or a group of people. What might be seen as a minor injury, may have medical complications later on and require assistance and insurance. It is important to report all types of incidents or accidents no matter how big or small.
MAAA have an undertaking with the Insurance Underwriters to advise them immediately through the MAAA Insurance Brokers of any potential claims. In addition, by reporting an accident or incident immediately to the MAAA and providing accurate information, maps, plans, witness statements etc, allows the MAAA to promptly investigate, reducing the possibility of a similar accident occurring or happening to one of your fellow members.
The club is responsible for completing the Accident/Incident forms and ensure the accident/incident gets closed out.
An incident report provides information about the incident and is used for insurance purposes. The incident report is also used by the insurance brokers as evidence for potential insurance claims.
An Investigation Report identifies and assesses what in fact happened and looks at ways to minimise the risk of a similar incident/ accident occurring.
Any one claiming Personal Accident Cover are dealt with immediately by the MAAA. See Insurance Summary on the MAAA website here as a $50.00 excess may be payable for Personal Accident cover depending on members with or without Private Health cover.
This would be in the case of a vehicle being damaged by a model aircraft. Quotes are requested for the repair of the damaged vehicle. The MAAA Executive will decide which quote for repair will be accepted for payout and this may not always be the lowest quote. In all cases, there is no insurance excess to the member involved with the first incident in any one year.
In the case of damage or injury to third parties, action will be consistent with direction and guidance provided by Solicitors.
The MAAA executive will review both the Incidents Report and the Investigations Report and look closely at the recommendations prepared by the club on preventing or reducing the issue from occurring in the future. An incident can only be closed when the executive is satisfied with the recommended corrective actions that have been proposed by the club. In some instances, the executive will work with the club and put in place additional corrective actions in order to prevent a similar incident occurring in the future.
The MAAA will include articles in our digital publication Wingspan on trending incidents. Not only does this alert the aeromodelling sport about safety issues, but ensures that any future risk is significantly minimised, keeping the sport fun and safe for all.