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Should the YMCA be responsible for expenses (not covered by my insurance) incurred from an injury on their property? My daughter was a level 5/6 competitive gymnast at our local YMCA. While at a regular practice she was attempting a skill/stunt (double front tuck) which was above her skill level. She was not spotted (I believe there was only one "coach" in the building at the time. She fell and separated her left arm (the lower portion below the elbow). An ambulance was called and she was taken to ER, where it was discovered that she the bone connecting her upper/lower arm was broken away. Surgery was required and a permanent screw was put in to repair the arm. She has been in therapy for a couple months, with some progress, but will never have her full extension/flex range of motion back. She is an exceptional athlete with hopes of a college sports scholarship, but her abilities in several sports (including her favorite - gymnastics) may be permanently compromised. I have insurance, but the uninsured bills have already surped the $3,000 mark and she still has much therapy left. I do not have the money to pay all these bills, but she needs to stay in therapy in hopes that she regains as much use of the arm as possible. So once again, should the YMCA take responsibility for the uninsured portion of my daughters medical bills?