Hi all--I am a student nurse graduating two weeks from yesterday (finally!).
All thru nursing school, every one of my instructors has told us to purchase malpractice insurance
. They say that even though you may be covered by the hospital you work in, that hospital may not have your best interest at heart should a couple of employees be sued. For example, say three nurses are involved and you saw another nurse "do something," and that information could clear your own name. Well, if the hospital's attorney is representing all of you, that information would not be used since they have to protect ALL of you. So my teachers argue that your own insurance would give you an attorney looking out for YOU, and no one else.
The flip side of this--ALL the nurses I work with say NO WAY! DON"T EVER GET MALPRACTICE INSURANCE! People only sue nurses if they have their own malpractice insurance! You will definitely get sued if you have it!And not one nurse I know has any of his/her own insurance.
My dilemma--which is true? I am so confused, and I change my mind back & forth all the time. Being a new grad, and especially with the shortage leading to what one may consider "unsafe" patient/nurse ratios (to say the very least)
, I want to make sure I am protected. But who do I believe?
I have been coming here for a while and could really use some advice from you veteran nurses out there. Tell the fledgling RN's your opinions and experiences. Has anyone been named in a lawsuit? Was it because you had insurance? Did you have no insurance and still get sued? Please help me make sense of it all.....................
Thanks for your advice,
[This message has been edited by RNinMay (edited April 24, 2001).]
Apr 24, '02
if you look hard enough through the archives and past threads, i'll bet you find at least 4 on this subject.
would i go without it?
not in a heartbeat!! :d
there are a lot of different theories on it, but i'll stick to keeping it.
hey? for only $70 a year? :d
Last edit by CEN35 on Apr 24, '02