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Personal malpractice insurance....yes or no?



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No. 90
Old Aug 25, 2004, 12:43 PM

Ridiculous? Absolutely!

$75 K to sue an individual... again, generally ridiculous.

Oh, but I forget. Per the above poster, attorneys don't sue individuals. That one was just brilliant!
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No. 91
Old Aug 25, 2004, 12:52 PM

Originally Posted by LarryG
Ridiculous? Absolutely!

$75 K to sue an individual... again, generally ridiculous.

Oh, but I forget. Per the above poster, attorneys don't sue individuals. That one was just brilliant!


No, they don't sue individuals. It gets more brilliant...
It would take years, and thousands of dollars.

Or, if we go by your thinking... suing an individual costs a next to nothing, and you get lots of money... that is why it is done so often. (hehehe)
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No. 92
Old Aug 25, 2004, 10:22 PM

I keep personal Mal insurance. Partly because in getting my BSN, we had to for clinicals. And I have never bought the arguement that they ONLY go after nurses/staff who have insurance. BullSh**! Show me an attorney who wouldn't lick his or her lips over your future earning potential, or try to attach your assets. If you are the only nurse to witness a conversation..(which happened to me,and I was in a 6 hour deposition after that.)..you will be brought to court if the case is brought to court. Whether they include you in the suit is another matter. But trusting a lawyer not to bother with going after someone w/o malpractice insurance is trusting them way too far, IMO. Besides, I believe some homeowners policies can include a 'hidden' clause for nursing malpractice..at least, that's what some of my classmates in BSN school did.
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No. 93
Old Aug 25, 2004, 11:53 PM

Originally Posted by MultipurposeRN
I keep personal Mal insurance. Partly because in getting my BSN, we had to for clinicals. And I have never bought the arguement that they ONLY go after nurses/staff who have insurance. BullSh**! Show me an attorney who wouldn't lick his or her lips over your future earning potential, or try to attach your assets. If you are the only nurse to witness a conversation..(which happened to me,and I was in a 6 hour deposition after that.)..you will be brought to court if the case is brought to court. Whether they include you in the suit is another matter. But trusting a lawyer not to bother with going after someone w/o malpractice insurance is trusting them way too far, IMO. Besides, I believe some homeowners policies can include a 'hidden' clause for nursing malpractice..at least, that's what some of my classmates in BSN school did.


(sigh), and the misconception continues.....
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No. 94
Old Aug 26, 2004, 09:12 AM

Originally Posted by MultipurposeRN
... I have never bought the arguement that they ONLY go after nurses/staff who have insurance. BullSh**! Show me an attorney who wouldn't lick his or her lips over your future earning potential, or try to attach your assets...
Happy to see the fertilizer continously spread in this thread is being accurately recognized for what it is.
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No. 95
Old Aug 26, 2004, 09:49 AM
Updated Aug 26, 2004 at 12:54 PM by Nurse4years

Originally Posted by LarryG
Happy to see the fertilizer continously spread in this thread is being accurately recognized for what it is.
Sure, because everybody knows an individual who was pursued by an attorney, lost their house, and auto, and future wages! (NOT) (hehehe)

LarryG, it is still obvious that you have NO legal experience, or you would have "an awakening".

I am sure, as a student, that you ask advise from "old" nurses. Surely you accept that experience is the best teacher? Why do you refer to my advice as fertilizer? Do you treat the OB/BYN, CCU, ER, or Surgical staff this way when they give advice?

I am not giving my opinion... I am talking from EXPERIENCE.

As a old nurse (23 years) who also worked in the med/mal/neg field, I have this experience. I believed as the other nurses do, until actually working on "the other side", I had an "awakening". Wow. A light goes off, and you realize the you have been fed "fertilizer" for years by uninformed nurses, and the propoganda machine.

Stop, put on the thinking caps, and concentrate... there are sooo many attorneys, that many work as paralegals.... If it is sooo easy to sue individual nurses.... we would all know someone who lost their #$&)* right???. But, we don't because they don't.

No where on this site have I been able to find ONE nurse who lost their house because they didn't have insurance... Isn't that odd? But, golly, it is such a SMALL thread, only reaching millions.

Seriously, it just doesn't happen.
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No. 96
from traumaRUs
Old Aug 28, 2004, 01:32 PM

Mschrischo - its not the only point that you may get sued as an individual - personal malpractice insurance is important because of what your employer can do to you.
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No. 97
Old Aug 28, 2004, 05:24 PM

Originally Posted by traumaRUs
Mschrischo - its not the only point that you may get sued as an individual - personal malpractice insurance is important because of what your employer can do to you.


Something I hadn't thought of, or heard of. Thanks.
Going through the list in my head...
Keep you from getting fired? no.
Give me examples. Please.
Thanks.
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No. 98
from traumaRUs
Old Aug 28, 2004, 09:22 PM

Sure - no problem - you follow hospital policy on procedure that is now unfortunately no longer current. Hospital backs you that what you did was fine and according to the then-current policy. However, you are sued along with the hospital because you didn't follow the CURRENT standard of care.

Personal malpractice insurance also ensures you representation before a board of nursing hearing. For example - at least in Illinois - if ANYONE is willing to put down on paper that a nurse did something wrong - it is completely investigated to include a hearing! It can be very nerve-wracking not to mention the time it takes to get to the hearing date.

Another instance - say a neighbor asks about tylenol dosages for their child - you say follow the directions on the bottle but don't say that if there is any concern at all, to call their doctor. The mother gives the child tylenol, the child goes to bed and becomes critically ill because mother didn't call the doctor.

Unfortunately, all of these instances did happen - not to me (cross my fingers and toes), but you are leaving yourself wide open to big problems w/o personal malpractice insurance.

The least problem is a lawsuit from where you work!
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No. 99
Old Aug 28, 2004, 09:25 PM

Originally Posted by traumaRUs
Sure - no problem - you follow hospital policy on procedure that is now unfortunately no longer current. Hospital backs you that what you did was fine and according to the then-current policy. However, you are sued along with the hospital because you didn't follow the CURRENT standard of care.
Originally Posted by traumaRUs
Personal malpractice insurance also ensures you representation before a board of nursing hearing. For example - at least in Illinois - if ANYONE is willing to put down on paper that a nurse did something wrong - it is completely investigated to include a hearing! It can be very nerve-wracking not to mention the time it takes to get to the hearing date.
Another instance - say a neighbor asks about tylenol dosages for their child - you say follow the directions on the bottle but don't say that if there is any concern at all, to call their doctor. The mother gives the child tylenol, the child goes to bed and becomes critically ill because mother didn't call the doctor.
Unfortunately, all of these instances did happen - not to me (cross my fingers and toes), but you are leaving yourself wide open to big problems w/o personal malpractice insurance.
The least problem is a lawsuit from where you work!


I am thinking that you haven't read the whole thread, or you would see that these issues were discussed. I am still not understanding the statement "what you employer can do to you".
Thanks
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