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Has Anyone Ever USED Their Malpractice Insurance?



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No. 10
Old Jun 23, 2009, 06:30 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by canoehead View Post
I've had it and used it. I recommend it, but also recommend not telling people you have it. Just a little ace in your back pocket.
Just for clarity, why would you not tell people you have malpractice insurance? I probably would not want to mention it if I worked a private case, but, from what I understand, most agencies require it, so, they would know anyhow? I am just trying to get a better picture...if it helps me, I would not say anything.
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No. 11
from Aydia1
Old Jun 23, 2009, 06:56 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Going on with this same thread, my hospital assures me that I do not need any extra insurance, and that they will cover me. This is a large Catholic hospital that I would like to believe would cover me. Has anyone else heard this from their hospital?
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No. 12
from Batman24
Old Jun 23, 2009, 07:03 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by Aydia1 View Post
Going on with this same thread, my hospital assures me that I do not need any extra insurance, and that they will cover me. This is a large Catholic hospital that I would like to believe would cover me. Has anyone else heard this from their hospital?
That's what they say but it isn't necessarily true. You need your own policy because it protects you and your best interests. Your best interests and the hospital's best interests might not be one and the same. Often times it isn't. Get the insurance and protect yourself. Don't leave yourself vulnerable.
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No. 13
Old Jun 23, 2009, 07:06 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by Aydia1 View Post
Going on with this same thread, my hospital assures me that I do not need any extra insurance, and that they will cover me. This is a large Catholic hospital that I would like to believe would cover me. Has anyone else heard this from their hospital?
They'll ALL tell you that. Get your own. As the other person mentioned, the hospital does not have YOUR best interest at heart, they have THEIRS. And, they have no problem bringing you the cross to bear, especially with their insane policies, rules and miscommunication (until it is convienent).
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No. 14
from Batman24
Old Jun 23, 2009, 07:07 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
I never share the fact that I have malpractice insurance either. No one should. Get it to protect yourself and keep it quiet. The reason behind this is that if they find out you have insurance often they will add you to the suit in hopes of having your insurance company settle.
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No. 15
from elkpark
Old Jun 23, 2009, 07:09 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by Aydia1 View Post
Going on with this same thread, my hospital assures me that I do not need any extra insurance, and that they will cover me. This is a large Catholic hospital that I would like to believe would cover me. Has anyone else heard this from their hospital?
Hospitals always tell the nursing staff this -- because they want to keep you the professional equivalent of "barefoot and pregnant;" that is, dependent on them and their attorneys for legal advice if anything goes wrong.

Here is another thread with a lot of good discussion on this question:

http://allnurses.com/nursing-blogs/s...ry-391596.html
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No. 16
Old Jun 23, 2009, 07:10 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by Batman24 View Post
I never share the fact that I have malpractice insurance either. No one should. Get it to protect yourself and keep it quiet.
What would make you keep it to yourself? I mean, this is not a conversational piece where I would have a reason to announce that I have malpractice insurance, but, is there a specific reason why you don't mention it? I have to bring this information to agencies I sign up with, that is a given, but otherwise, I have not mentioned it, simply because it had not come up.
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No. 17
Old Jun 23, 2009, 07:11 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by Batman24 View Post
I never share the fact that I have malpractice insurance either. No one should. Get it to protect yourself and keep it quiet. The reason behind this is that if they find out you have insurance often they will add you to the suit in hopes of having your insurance company settle.
Okay, now I get it. Mum's the word!
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No. 18
from caliotter3
Old Jun 23, 2009, 07:11 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
The more people that they find out have deep pockets through insurance, the more people who will be named besides the facility in a lawsuit. This is personal info that no one else needs to know. When the time comes, everyone with the need to know will find out soon enough who has insurance and who doesn't.
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No. 19
Old Jun 23, 2009, 07:12 PM

Default Re: Has Anyone Ever USED Their Malpractice Insurance?
Originally Posted by caliotter3 View Post
The more people that they find out have deep pockets through insurance, the more people who will be named besides the facility in a lawsuit. This is personal info that no one else needs to know. When the time comes, everyone with the need to know will find out soon enough who has insurance and who doesn't.
Gotcha!
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