department of athletics policies & procedures - UNC Wilmington ...

- Will be certified in First Aid and CPR
- Will be able to implement emergency action plan and inclement weather policy in
the absence of certified/licensed athletic trainer
IX. INSURANCE COVERAGE FOR ATHLETIC INJURIES
INSURANCE-PRIMARY/SECONDARY
The University of North Carolina Wilmington carries an Athletic Accident Insurance Policy
on all intercollegiate student-athletes. The University’s insurance policy is SECONDARY
COVERAGE, and the policy of the parent/guardian and/or the individual athlete is the
PRIMARY COVERAGE. The Athletic Department will assume (to the limit of the athletic
insurance policy as Secondary Payor) the financial responsibility for the payment of expenses
incurred for the examination, treatment, or hospitalization of a student-athlete injured while
participating in a formal practice session, an authorized intercollegiate contest or traveling to
and from such a contest by authorized transportation. Any other circumstances under which
injuries or illness occur are regarded as non-athletic in nature and are not the responsibility of
the UNCW Athletic Department; nor is it legal under NCAA regulations to assume any such
responsibility. A letter is sent from the Director of Athletics to the parent/guardian and
student-athlete at the beginning of the fall semester explaining the insurance coverage and
process for filing claims. Insurance Information forms are enclosed with the letter which
must be completed and returned to the Athletic Office in order for the Secondary Insurance
to be filed. If no primary insurance exists the Athletic Accident Insurance assumes primary
coverage. When student-athletes are referred by the Sports Medicine Staff for treatment at an
off-campus facility, the student-athlete should give the facility their primary insurance
information for billing and inform them that UNCW Athletics has SECONDARY
COVERAGE and that a bill and Explanation of Benefits (EOB) should be filed with the
Athletic Insurance Coordinator to cover any balance.
Failure of the student-athlete and their parents to follow procedures specified by their
insurance carrier and the Athletic Accident Policy may result in denial of benefits.
DENTAL CARE
The Department of Athletics is not responsible for payment of normal dental care or dental
problems. In the event of an injury to a student-athlete while participating in formal practice
or competition, which involves dental repairs, the student-athlete’s Primary Insurance will be
filed first and the secondary insurance will be filed to cover any balance. The Athletic
Accident Insurance Policy covers only dental work sustained from an athletic injury which
results in damage to his/her natural teeth.
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