Personal malpractice insurance....yes or no?

Nurses General Nursing

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We had this discussion at work the other day. One of the points against it was that lawyers will go for the person(s) with the most . Also I know, I've been told that the hospital would back you up if you are following policy. Do you carry a personal policy?

Beth

Yes. It's only $26. per year for excellent coverage. Surprisingly, nursing was available as part of my homeowners' ins policy.

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Yes. It's only $26. per year for excellent coverage. Surprisingly, nursing malpractice insurance was available as part of my homeowners' ins policy.

Not surprising. Insurance company is out to make $$$, they will clip on every extra that won't end up costing them anything.

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30 years = 3,000 dollars. One case perfectly innocent lawyers fees= 2000+. I plan on getting it as soon as I am no longer a student.

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Specializes in Clinical Research, Outpt Women's Health.

I have carried NSO for 10 years, but just dropped it because it went up to $280.00 year from $87.00 year. My question is this - have any nurses out there been sued and would they tell us their story (in general - no details)?.

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Specializes in ICU, CM, Geriatrics, Management.

Amazing what some people here will write. Attorneys ignoring $100 K in home equity alone, never mind other potential sources of revenue streams. Ridiculous.

No doubt the folks here will use their common sense and protect themselves.

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Amazing what some people here will write. Attorneys ignoring $100 K in home equity alone, never mind other potential sources of revenue streams. Ridiculous.

No doubt the folks here will use their common sense and protect themselves.

No doubt you have very little to no experience in the legal field, or you would know what it costs to sue someone. Ridiculous? No.

Misinformation? Yes.

Other potential sources of revenue? So, an attorney would spend 75 thou or more on a civil action, WHICH he might not win, to obtain what amount of money? are you talking about wages? Ha. A person would just quit working. No law against that.

So many experts with no information.

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Specializes in ICU, CM, Geriatrics, Management.

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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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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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 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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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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Specializes in ICU, CM, Geriatrics, Management.
... 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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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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