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Hi, many people think injuries shouldn't exist in this game, others think injuries are realistic and should remain. Well, I think they should be removed since they cause only disgust and no fun (unless it's your rival's best player who gets injured, but that's kind of sadistic). But I could get along really well with an improvement which actually would add more realism to the game: insurance against injuries.

It would work like this:

managers could hire insurance for every single player separatedly every week;

there would be a case "do you want to hire insurance for this player this week?" that managers could check or not;

if they choose the insurance and leave it checked, it would renew automatically;

once an insured player plays during the week, the insurance is valid for the whole week, if you don't want insurance anymore you should uncheck the option before the player plays that week;

your insured player gets injured, than you would have two options (chosen when you hire the insurance): 1. not paying the player's salary for the weeks he is injured; 2. receiving a temporary player who would have the same skill points as the injured player, but with the skill levels assigned randomically, respecting the injured's guards/forwards skill points.

Insurance is always a negative investment, so it would make no sense to buy one.

Insurance is always a negative investment, so it would make no sense to buy one.

For you. If I were in the finals I would buy it for my best players. It wouldn't be mandatory anyway.

Insurance is always a negative investment, so it would make no sense to buy one.

For you. If I were in the finals I would buy it for my best players. It wouldn't be mandatory anyway.

For a financially savvy player like you, this should be pretty obvious, why it makes no sense to buy insurance in the finals.

Maybe you have a different idea of what insurance should look like, I don't know.

Last edited by Knecht at 9/7/2016 3:45:48 AM

It really depends on the premium and the way it would be structured. Since you can get $1.5 millions by promoting to D1, barring injuries, I'd think people would buy it.

It really depends on the premium and the way it would be structured. Since you can get $1.5 millions by promoting to D1, barring injuries, I'd think people would buy it.

Well I guess insurance would look like: pay X to get the weeks salary back. Do we need something like this?

If its meant to make teams more money, it's a bad thing.

If you read what he suggested, under point 2, you'd have an equal replacement. That means you can't train your injured player and his GS will deteriorate, however you'd have an equivalent player at your disposal.

If the insurance would pay you back the salary (as it would work in real life), which is point 1 in the OP and the way you're looking at this, I agree it would be useful only in limited circumstances, such as for NT stars and used probably only by farm teams. However point 2 is almost as not losing the player at all. It stands to reason that over a 2 weeks span where GS cannot deteriorate so much, especially if you train it, if you are guaranteed to keep all your players available (or equally worth players) everyone would do it in the playoffs. In fact, if that was the case, it would be probably best to downgrade to a basic doctor and insure all the starters and key reserves.

Last edited by Lemonshine at 9/7/2016 10:46:12 AM

If you read what he suggested, under point 2, you'd have an equal replacement. That means you can't train your injured player and his GS will deteriorate, however you'd have an equivalent player at your disposal.

The equal replacement is complete nonsense of course. Never heard of teams being able to bring in a miracle replacement player. There are deadlines to add players eligible to play certain games. I'd rather have injuries taken out of the game (or just removed during playoff time), before such a whack solution becomes part of the game.

What would be next? A fouling out insurance? If a player fouls out a lucky fan with equal skills joins the game? You still lose out on GS and training minutes though. Wouldn't that be some sweet stuff? Or maybe an insurance against too many minutes? If your game goes into OT random lucky fans with the same TSP finish the game. So many great possibilities.

I believe it was a suggestion that would allow not to remove injuries completely and that provided some extra cash drain. It's not realistic of course, but neither are other aspects of the game. I'm not even saying I agree, on this topic I'd like to see a) more doctors available and b) more impact (or a clarification) of the doctor's level on the number of days players are going to be out.

This would provide something similar to an insurance. Do you want to insure yourself in the playoffs? Pay the mega salary World Renowned doctor if you know for a fact that 90% of injuries with a lvl 7 doctor won't be permanent and the others are likely to be for 1 or 2 games. Also rather than days it would be best if injuries were counted in number of games missed: 1-15.

I could pay a $15k insurance a week for selected star player in case I don't have to pay his salary after injury. Insurance options could be 1-4 weeks ($15k-$60k) every Sunday and if the player gets longer injury you selected, you can not renew insurance during that period (and you pay his full salary after insured week is over)
Replacement player doesn't sound realistic at all.

Last edited by sõber at 9/10/2016 4:21:35 AM