Re: Nurses & Insurance
I carry it and will continue to do so after I graduate and become licensed.
It's a myth that you are more likely to get sued if you have it...b/c no magical database exists where an attorney can look up that information and you don't have to answer questions for the other side either in the event of a suit unless you are in court...and no judge is going to allow that question b/c RN's are not required by the state to carry it.
However, if you don't carry it, and if you make a mistake...and honest, mistake...the hospital's insurance isn't going to cover you in the event of a lawsuit.
Also, if you are unjustly accused of something, you will still need to consult with an attorney, and that is something else the insurance covers that if you didn't have it, you would be paying $200 to $300 per hour out of pocket to get legal advice to help you...and that can get expensive if you ever have to go before the BON.
To me, how can any nurse NOT afford to have it?
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