Hey guys, I know this question has probably been done way to many times, but I really wanted to just take a poll. Do you have liability insurance (if your a nurse) or do you plan on getting it (for student)? Could you just give me a yes or no and a short comment if you'd like? Then tell me whether your a student or a nurse. It would also be awesome if you told me where the best place to get ins. if you have. Just give me the info you feel comfortable about giving. I would be so grateful.
Mar 22, '07
I'm a student and I have it.
It was recommended to me by a nurse that I drop it after I graduate. She said that the hospital has lots of money, and you are covered by their policy (as long as you don't violate your nurse practice act). So if you do something wrong that doesn't violate your nurse practice act, the person (or family of) is going to go after the hospital (since they have the money), not you. But if you have a $1,000,000 policy, they're going to come after you as well. And yes, your policy will cover it, but now you've got your name tied to the law suit.
Well, what if I do something that the hospital insurance won't cover me for? (Which, of course, I don't plan on doing, but you never know.) Then guess who they're going to go after. Me.
Hmm...let's look at my options:
1. Have everything taken from my family and me, but at least I don't have my name attached to a law suit...
2. My name is attached to a law suit, but at least I still have a home.
I think I'll take number 2.
Last edit by nicuRN2007 on Mar 22, '07