There are two parts to this. Bodily injury or damage to property, which includes personal effects. The rest of this document relates to how to handle a situation in respect of an accident causing bodily injury although you can use the same procedure and documents for property damage.
Under the F.I.S. Skiers Code it is a requirement that you stop and administer assistance at the scene of an accident.
If you were present at the scene of an incident and after having conducted the usual first aid procedures please obtain as much information on site as possible including contact details of witnesses and the injured party(s). Take photographs if possible.
You should mark a cross on a piste map showing the site of the incident and note the time of day, weather and snow conditions.
If you were not present at the scene of an incident and a customer informs you in the normal course of events of an incident seeking your help or whether you were present at an incident and your customer is seeking your advise we suggest you do the following:
Please note it is most important that your customer does not admit liability or try to make a settlement locally with the injured party, as this will invalidate their insurance policy. An example could be that the event seems minor such as damage to a third party's ski suit and your customer pays say £100. This is an admission of liability, which could end up with a £10,000 - £20,000 personal injury claim some months or years later.
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Michael Pettifier Insurance Brokers Ltd. trading as MPI Brokers, Mind The Gap Year, MPI Don’t Stop Me Now and Douglas Cox Tyrie is authorised and regulated by the Financial Conduct Authority FCA number 308481