A scuba accident that occurs under your boat or store staff’s supervision is the worst nightmare for any dive center owner. In this article, attorney David Concannon explains some of the events and occurrences that follow. We hope you never need this information, but forewarned is forearmed.
Original Title
Scared Out of the Water: What Happens After the Unthinkable Happens by David Concannon, Dive Center Business, July-August 2014
A scuba accident that occurs under your boat or store staff’s supervision is the worst nightmare for any dive center owner. In this article, attorney David Concannon explains some of the events and occurrences that follow. We hope you never need this information, but forewarned is forearmed.
A scuba accident that occurs under your boat or store staff’s supervision is the worst nightmare for any dive center owner. In this article, attorney David Concannon explains some of the events and occurrences that follow. We hope you never need this information, but forewarned is forearmed.
Editors note: As an attorney, and as someone who has been involved in the scuba industry since 1986, Ive had some occasion to work with some highly skilled dive industry lawyers. Ive had a front-row seat in scuba-related litigation and I can attest it can be a gut-wrenching experience for all involved, particularly the dive operator. I earnestly hope that a dive accident never occurs during training and supervision ac- tivities through your store or vessel; however, I asked longtime dive industry attorney David Concannon to explain what happens immediately after a diving accident so that you will at least be mentally prepared for the chain of events that follow. Please note, all legal articles are for your information only, and if you or your business is threatened with litigation, you should ensure that you have proper legal representa- tion. In addition, the authors opinions are his own, and do not necessarily represent the views of this magazine or its staff. A scuba accident that occurs under your boat or store staffs supervision is the worst nightmare for any dive center owner. In this article, the author explains some of the events and occurrences that follow. We hope you never need this information, but forewarned is forearmed. By David Concannon 24 A Good Manager is Always Learning Scuba instructors are trained to help divers enjoy scuba in the safest way pos- sible. Your store hires them to attract and create customers who will enjoy the div- ing and dive travel for many years without adverse incidents. Most of us have gotten involved in the scuba industry out of passion for the activity. We all wish that no one is hurt or, forbid, dies when we are supervising or training divers in our stores or vessels. Like all recreational activities, however, scuba diving in- volves risk. Even under the best of circumstanc- es and training, people make mistakes. For example, in a review of 1,000 rec- reational diving mishaps performed in Australasia, 87 percent were found to be caused by human error; inexpe- rience and insufficient training ac- counted for 14 percent and 8 percent, respectively, of the contributing fac- tors to mishaps. Most diving accidents happen because participants err, with a smaller number caused by people get- ting in over their heads; i.e., engaging in diving activities for which they are unprepared. Meanwhile, static growth in recre- ational scuba has led to belt tighten- ing in the scuba industry that has had an indirect effect on what happens to a dive industry professional in the event of an accident, particularly if that accident appears likely to lead to litigation. Accidents lead to increased litigation and insurance claims, which lead to higher legal fees and higher in- surance premiums. Your preparation and understanding can influence the outcome and help you protect your business. Ideally, you and your staff will be part of the effort to keep scuba accidents to a minimum. For unavoidable incidents, you need to know what to do in the event of an ac- cident to protect yourself and head off the potential for litigation. This article describes some ways that can help you do this. Investigation the First Link In the Chain When a diving accident occurs, an investigation of some type usually fol- lows. This is the rst link in the chain of events. Scuba accident investigations, particu- larly in the event of a fatality, attempt to determine the cause of the accident by identifying causative factors, primarily focusing on three areas: medical, equip- ment and procedural. Medical investigation looks at a divers health and medical factors leading to the cause of the accident or death. Equipment investigation addresses po- Galapagos Turks & Caicos Silver Bank www.explorerventures.com info@explorerventures.com USA/Canada: 1.800.322.3577 +1.307.235.0683 N Unique liveaboard experiences. Exceptional value. Dive with us! 5 Paid - Get 1 Free! On every boat, everyday, all dive destinations! Maldives Saba/St. Kitts N tential hardware issues that may have contributed to a cause of the accident or death. Procedural investigation focuses on whether the diver followed his or her training, properly prepared themselves and their equipment before diving, or went diving in conditions beyond their training and experience level. All three areas are typically exam- ined in a scuba accident investigation, with varying degrees of competence and thoroughness. Procedural prob- lems appear to be more common than equipment problems, but they are of- ten difficult to identify. Proper medi- cal investigation depends on whether protocols for conducting a proper diving autopsy are followed, but of- ten they are not. In the vast majority of cases, the primary causative factors are never identified, leading to uncer- tainty about the cause of the accident or death. Furthermore, it is common for inves- tigators to rule out one area, typically medical, and then point to another area as the most likely cause even though the investigator has no experience in- vestigating this area and did not do so because they have excluded their area of expertise as a contributing factor. In such cases, a victims wife may be told by a medical examiner, your husband was the picture of health, so it must have been his equipment, when, in fact, the medical examiner did not conduct a proper diving autopsy or he is unaware that actual equipment prob- lems account for less than 10-15 per- cent of all fatalities. Depending on where the accident takes place and where you are in the process, there could be multiple inves- tigators, each with a different agen- da. The police or other authorities charged with ensuring public safety will conduct an investigation at the scene of the accident or shortly there- after to determine if any laws have been broken; the medical examiner or coroner in the jurisdiction where the accident takes place (or where the body is brought to shore) will conduct a medical-legal investigation to de- termine the cause of death; and your insurance company or personal attor- ney will conduct an investigation to determine whether litigation is likely and to prepare for such litigation. In each instance, you need to know the investigators objective so you can prepare for the type of information you will be asked to provide so the inves- tigator can fulll the purpose of their investigation. If the police become involved, their approach is to look for any evidence of a homicide. If a homicide is not indi- cated, the police quickly lose interest in the matter. In fact, I have seen instances in which police have left the scene of an accident as soon as a diver is placed in an ambulance and without conducting any witness interviews simply because the body was recovered after the time when a diver would have been expected to run out of air. On many occasions, the police simply secure the divers equipment before turning it over to the medical examiners office or the divers fam- ily without examining the equipment, or to a local dive shop to analyze the gas and determine whether the equip- ment was assembled properly. This is because local police often lack the re- sources and expertise to conduct scu- ba accident investigations. If no laws were broken, they have little incen- tive to investigate further. This means that when dealing with the police, you need to be aware that they seek infor- mation to determine whether a crime was committed. That is, was the diver unlawfully injured or killed? If the an- swer is no, the police will often ask no additional questions. In many states, the medical examiner or coroner has the legal authority to de- termine the cause of death. (A medical examiner must be a licensed physician, whereas a coroner is often an elected ofcial who does not have to be a li- 26 A Good Manager is Always Learning Rates include all accommodations, diving, transfers, tours, activities, some or all meals, and are based on double/share occupancy, subject to change and possible cancellation. Availability is limited and applicants are qualied based on ability to sell a group trip back to the destination within 12-18 months. Rates may not include U.S. arrival and departure taxes, international departure taxes and may require separate purchase of airfare. Photo by Island Exposure. CSOT#2111993-40 WSOT#603254369 FSOT#38781 800-328-2288 fams@caradonna.com VIP Fams for Dive Store Owners/Managers
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Yap/Palau | Sep 28-Oct 11, 2014 $2499 including air from LAX Fiji | Jan 14-24, 2015 $1599 including air from LAX DI VECENTERBUSI NESS. c om J ULY/AUGUST 2014 27 censed physician.) In most cases, diving accident investigations are conducted by investigators for the medical exam- iner or coroners ofce. But this is not true in all cases. In most states, the coroner or medical examiners authority is set by state stat- ute, usually named something like the Death Investigation Act. These laws specify certain types of death for which the medical examiner has authority to investigate, including instances of sud- den death, death occurring under violent or suspicious circumstances, when foul play is suspected, or when the cause of death is unexplained. Death by drown- ing is usually considered to be one of these circumstances. In most states, the coroner or medical examiner is charged with determining the manner of death, which is legally classied into one of ve categories: nat- ural, accident, suicide, homicide and un- determined. Once the manner of death is determined to fall under one of these ve categories, the investigation is not obli- gated to go any further. Accordingly, it is often the case in scuba diving accidents resulting in a fatality that the medical examiner will determine that the diver drowned; therefore, the manner of death was accidental. The medical exam- iner is not obligated to determine why the diver drowned, and many times the investigation will go no further unless there is some obvious cause like a heart attack or obvious equipment failure. Like the police, investigators working for the medical examiner or coroner of- ten lack any knowledge of scuba diving or the expertise to conduct a scuba diving accident investigation. This is particular- ly true in geographic areas where scuba diving is uncommon. Consequently, the investigators will often rely on outside experts that are familiar with scuba diving, but perhaps not too familiar. I know of some juris- dictions that use commercial divers to investigate recreational scuba diving ac- cidents, and recreational dive shops to investigate technical diving accidents. If I had to guess, I would say that fewer than half of the 100 or so scuba fatality investigations I have been in- volved with have used competent out- side experts. Moreover, there is often a delay of days or weeks before outside experts are called in to help, which means critical evidence is often lost or spoiled before it is ever looked at or even collected. Coast Guard Involvement The U.S. Coast Guard normally performs some type of investigation Most diving accidents happen because participants err, with a smaller number caused by people "getting in over their heads" ; i.e., engaging in diving activities for which they are unprepared. 28 A Good Manager is Always Learning any time there is a death that occurs when diving takes place from a ves- sel in U.S. coastal or inland waters. In general, the Coast Guard is look- ing for evidence of a maritime safety violation. However, in some cases, the Coast Guard is looking for evidence of negligence that can lead to administra- tive proceedings seeking suspension or revocation of a captains merchant mariner credentials or even criminal prosecution in federal court under the Seamans Manslaughter Act, 18 U.S.C. 1115, a 175-year-old law that impos- es fines and imprisonment for up to 10 years against captains, operators, charterers and corporate management for negligence that results in a death of someone under their care. I know of at least four recent scuba diving fatalities in the Atlantic Ocean that the Coast Guard investigated with an eye toward having federal prosecu- tors bring criminal charges against the dive operators and ships crew un- der the Seamans Manslaughter Act. In each case, the captains, operators, charterers and corporate management interviewed by the Coast Guard were not advised that they were facing po- tential criminal prosecution, nor were they given Miranda warnings (advis- ing the arrested person of his or her Constitutional rights). They were also unaware that to ob- tain a conviction under the Seamans Manslaughter Act, the government need only prove misconduct or negligence of a ships ofcers, operator or charterer, that results in the death of another (known by lawyers as simple negligence the same easy-to-prove type of negligence alleged in a civil suit); and knowingly or willfully causing or allowing the mis- conduct or negligence of a ships ofcers that result in the death of a person in the case of corporate management (known as gross negligence, although this negli- gence can be triggered by knowingly al- lowing a safety violation such as lack of an emergency oxygen kit for divers to be onboard the vessel). Obviously, the thought of facing crim- inal prosecution would be scary to any- one who is present at an accident scene, but imagine being interrogated by a Coast Guard investigator on a dive boat, out at sea, without the presence or advice of your lawyer to protect you, and hav- ing no idea why you are suddenly being treated like a criminal? The Coast Guard has standardized methodology for conducting marine casualty investigations; but these pro- cedures deal principally with investi- gating boating accidents and swimmer drowning, which are commonly seen by Coast Guard personnel. Unfortu- nately, many Coast Guard investigating ofcers (IOs) lack expertise in scuba diving. In many instances, what little diving expertise the IOs may have is limited to their own scuba diving certi- cations and experience. Moreover, in many local areas, the IOs lack access to professionals with diving expertise. In some regions, like in Los Angeles/Long Beach, Califor- nia, the IOs use a team of Coast Guard Auxiliary members with extensive dive experience to assist in dive investiga- tions. Unfortunately, not all local units have this type of access to expertise and they have to seek out that infor- mation from others. This takes time, which means critical evidence is often lost or spoiled before it is ever looked at or collected. This means that when dealing with the local police, Coast Guard and/or medical examiners of- fice investigators after an accident, you have to assume that they know little or nothing about diving. You have to be helpful and courteous to the investigators; you should explain what you know about the divers experience, training and equipment operation; and you should politely insist that the in- vestigators photograph everything as- sociated with the accident, particularly the divers equipment, dive computer displays, gas levels and any warn- ings or beeping emanating from the divers equipment. If you are permitted to do so, you should photograph and/or videotape this yourself. I have not lost a trial since 1995; in every scuba diving ac- cident case I have tried, the difference between winning and losing has often come down to the existence of a key photograph taken at the scene of the accident by a quick-thinking person on the boat or on shore. In the event of an accident during an organized dive through a dive store, ei- ther on a dive boat or in training, your certification agency and/or insurance carrier will normally conduct an inde- pendent investigation under the direc- tion or supervision of an attorney. In some cases, the attorney will dispatch an investigator to research the case, interview those involved, and collect the equipment, or the attorney may do these things himself. In addition, your membership agreement with your cer- tification agency often requires that you submit an accident report to the agency for an internal investigation to be conducted through the agencys quality assurance process. Again, this process takes time, but at least your certification agency and/or attorney specializing in scuba diving accident litigation has the requisite experience to understand and properly investigate the accident in question. The Reservation of Rights Letter As the scuba industry tries to cut costs to help come out of the recent re- cession and compete with myriad other recreational activities, I have observed significant changes of which you need to be aware. As you know, insurance companies make money by collecting more money in premiums than they pay out in claims. Particularly in this environment, if the insurance compa- nys investigation determines that you violated professional standards, the insurance company might deny cover- age for your claim. Most professional liability insurance policies say that DI VECENTERBUSI NESS. c om J ULY/AUGUST 2014 29 adherence to professional standards is a condition of coverage. Read the fine print its in there. However, denying coverage is not the same as denying you a defense of any claims that may be brought against you. A lawsuit for professional negligence cannot succeed unless the plaintiffs attorney alleges that you breached a standard of care, i.e., the recognized stan- dards applicable to super- vising and teaching scuba. Insurance companies know this, which is why an al- legation that you violated the professional standard of care will not automatically lead to a denial of coverage, but proof at trial that you violated professional stan- dards will. For this reason, your in- structor liability insurance company will provide you with a defense of any law- suit filed against you, but normally only after the in- surance carrier has issued a letter known as a Reserva- tion of Rights. This letter, which is ominous in tone and often scary to read, will say something like, The following allegations have been made against you, if proven they constitute a violation of this and that provision of your profes- sional liability insurance policy, which are conditions of the carrier providing insurance coverage; nevertheless, the carrier will provide you a defense of these claims and, if proven, the carrier reserves the right to not pay any judg- ment entered against you at trial and recover any attorneys fees expended on your behalf from what is left of your measly assets. Do not be frightened by this type of let- ter. Simply cooperate with your attorney and everything should be ne. Lawyer Up Although it may seem self-serving for me to say this, if one of your customers has an accident, you really should con- sult with your own knowledgeable at- torney as quickly as possible. Accidents happen infrequently, but they often have grave consequences for the diving industry professional. You cannot af- ford to act without legal representation. At the very least, you should have your own attorney ll out and submit your incident report to the certication agen- cy. This way, you know the attorney is working for you and anything you tell your attorney will be unquestionably protected by the attorney-client privi- lege and work product doctrine. Immediately hiring your own attorney also eliminates the time delay that you can experience in starting a competent investigation by the authorities. Believe me, I rarely see accident victims or their families wait more than a day or two be- fore consulting with an attorney, and I have seen several instances in which the victims attorney actually directs the of- cial investigation conducted by the police, Coast Guard and/or medical examiner. You would never think that police reports could be changed to have facts altered or inserted by a plaintiffs attor- ney, but I have seen it done. I have seen the Coast Guard withhold dive computer data from disclosure to a defendants lawyer at the request of a divers family even after litigation has been threatened, and I have seen investigators destroy, lose or damage critical evidence more times than I care to remember. These things happen all the time. Now that you are aware of them, you can take steps to at least level the playing eld in the un- fortunate event that an accident happens despite your best efforts. Its the smart thing to do. The thought of facing criminal prosecution would be scary to anyone present at an accident scene, but imagine being interrogated by a Coast Guard investigator on a dive boat, and having no idea why you are being treated like a criminal?