Do you have Malpractice Insurance?

nanasuzy · Mar 12, 2004

Yes I have malpractice insurance. I was thought to never trust your employer

to cover you, because if it comes to them or you, guess whos going to get

to be the scape goat. It is very inexpensive and makes me feel safer I have

someone to cover my interests.

Nurse Ratched, RN · Mar 12, 2004

Yes I have malpractice insurance. I was taught to never trust your employer
to cover you, because if it comes to them or you, guess who's going to get
to be the scape goat. It is very inexpensive and makes me feel safer I have
someone to cover my interests.

Couldn't have said it better :).

duckboy20 · Mar 12, 2004

I was taught not to get health insurance unless you are somehow working on your own. After talking to lawyers, I find that the prosecution is going to go after the person with the money. If you have no insurance they more than likely will not chop you up as bad as they will the hospital because it has extensive insurance. In any suit the hospital would be involved in the case since you are an employee so they will go after them more than likely and not the nurse. I know some cases is different, just what I was taught

MiaLyse, APRN · Mar 12, 2004

Yes. I purchased insurance the day I passed my Nclex. I feel safer watching out for myself. jmo

Kelly

allnurses Guide · Mar 12, 2004

Nope, waste of money according to the legal advice I got . . . sorta like buying one of those extended warranties.

steph

suzanne4, RN · Mar 13, 2004

I would never consider working in the US without it. Even, if it was just for the legal services that it provided. where can you complete coverage for about $90 per year. Think of it as pre-paid fee for legal counsel, if you don't need it, great. But if you do, you will be glad to have it. Look at our car insurance. We complain all of the time about it, but we all have it. If it wasn't mandatory would you still have it? Probably so.

:)

Blackcat99 · Mar 13, 2004

:uhoh21: Yes I have malpractice insurance. I sleep better at night now. I know about a case where an old woman fell out of bed and broke her hip. The family sued the RN in charge. I left that hospital so I don't know what ever happened to that RN.

movealong · Mar 13, 2004

I've never carried malpractice insurance before and I been a nurse since 76. But I'm thinking of doing it now.

Of course I've always been covered by the place I worked for. But having seen how some hospitals and companies treat their nurses, I have doubts about how well they may support me if a lawsuit should occur.

I was also summoned to jury duty in the last year. As it turns out, the case was a medical one. The person had a good case too. He was sueing EVERYONE remotely involved: right down to the MRI tech. I was not selected for the jury(of course).

The MRI tech was scared shi*less. Though he had done his job...the case was not about an accident in the MRI, he was named. He carried no insurance. I didn't find out how the case ended, but it's got me wondering.

Trauma Columnist · Mar 13, 2004

Its not only about being sued - its about how the hospital will treat you if there is any type of complaint, not necessarily a lawsuit.

rollingstone · Mar 13, 2004

Yep, I've got it and wouldn't practice without it. Annual cost about $89.00.

Energizer Bunny · Mar 19, 2004

As a future nursing student, I am glad to see this addressed. I would probably not have thought of it unless it was brought up in class, as I am sure it will be. I am also very glad to see it is so inexpensive, so well worth the money just for the peace of mind.