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Insurance against injuries

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282009.6 in reply to 282009.5
Date: 9/7/2016 10:08:36 AM
Overall Posts Rated:
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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.

Größter Knecht aller Zeiten aka His Excellency aka President for Life aka Field Marshal Al Hadji aka Lord of All the Beasts of the Earth and Fishes of the Seas aka aka Conqueror of the Buzzerbeater Empire in Europe in General and Austria in Particular
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282009.7 in reply to 282009.6
Date: 9/7/2016 10:44:36 AM
Overall Posts Rated:
14901490
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

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282009.8 in reply to 282009.7
Date: 9/7/2016 10:52:30 AM
Overall Posts Rated:
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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.

Größter Knecht aller Zeiten aka His Excellency aka President for Life aka Field Marshal Al Hadji aka Lord of All the Beasts of the Earth and Fishes of the Seas aka aka Conqueror of the Buzzerbeater Empire in Europe in General and Austria in Particular
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282009.9 in reply to 282009.8
Date: 9/7/2016 6:16:32 PM
Overall Posts Rated:
14901490
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.

This Post:
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282009.10 in reply to 282009.9
Date: 9/10/2016 4:19:17 AM
kossumehed
III.1
Overall Posts Rated:
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Second Team:
RK järelkasv
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

Rahvuskoondise dirigent S65-S66
From: sõber

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282009.12 in reply to 282009.11
Date: 9/10/2016 5:46:44 AM
kossumehed
III.1
Overall Posts Rated:
156156
Second Team:
RK järelkasv
Not every week of course but I could pay it for players 100k+ some weeks before league playoffs, important cup games and BBB playoffs. I won't save him getting injured but I could buy another player for replacement without get rid of him because paying double salaries. I'm not playing in BBB, but I see insurance could be an option.

Last edited by sõber at 9/10/2016 5:50:08 AM

Rahvuskoondise dirigent S65-S66
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282009.13 in reply to 282009.8
Date: 9/17/2016 3:57:01 AM
Overall Posts Rated:
14901490
There we go: 3 week injury to a trainee with a level 3 doctor. He's also the third highest paid player on my roster. I'll get him back at the ASG if I'm lucky

This Post:
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282009.14 in reply to 282009.13
Date: 9/17/2016 4:21:59 AM
Overall Posts Rated:
16031603
Sounds exciting. You can still train stamina of FT.

Größter Knecht aller Zeiten aka His Excellency aka President for Life aka Field Marshal Al Hadji aka Lord of All the Beasts of the Earth and Fishes of the Seas aka aka Conqueror of the Buzzerbeater Empire in Europe in General and Austria in Particular
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282009.15 in reply to 282009.14
Date: 9/17/2016 4:34:54 AM
Overall Posts Rated:
14901490
I value people training FT on young trainees even below those training GS.

In any case, the fact doctors are completely bollocks (the guy is going to miss 3 or 4 weeks of training and come back with inept or awful GS) makes this insurance proposal very worthwhile. Each of my trainees is worth more than 3.5 millions, there are only 4 players currently on the market with the same number of skills or more and the last time I listed one of them at 2 million was going to actually sell for 5.6m.

I'd take the basic doctor and pay for the insurances.

Last edited by Lemonshine at 9/17/2016 4:39:03 AM

From: HAHA
This Post:
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282009.16 in reply to 282009.15
Date: 9/17/2016 5:02:11 AM
HAHA001
IBL
Overall Posts Rated:
454454
Option 1: Instead of insurance, how about deducting the average salary of injured players for each team?

Let's set the injury time as of when the time is economy update. If the total salary of injured player(s) is $160,000 at that moment, each league consists of 16 teams, then there will be a reduction of salary each team by $10,000.

How does it sound like? Good or bad?

-----------------------------------

Option 2: Pay the salary even if that player is injured. However, after the end of season, if that player is still with your team, then the salary paid during the injury time will be paid back at end of the season.

Would it be better or not?

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