Should I get malpractice insurance? - page 8

by nurturing_angel

12,276 Views | 115 Comments

I am confused. When I worked in Maternity, I kept my own malpractice insurance. When I married and moved to a new job, I was told that having my own malpractice insurance would be a liability for me in the instance of a lawsuit... Read More


  1. 0
    Quote from CCU NRS
    Well Hell is right below where I am standing at any given moment, ya see it is this theory I have that I am some day just going to be swallowed up because hell is just going to open up and claim me, No I don't think you can look it up on the internet


    Can you maybe explain that to Larry...LOLL


    And no wonder you need malpractice insurance feeling that way....Hmmmmmmmm maybe you should get out of nursing or read

    Excuse me your LIFE is waiting by lynn grabhorn


    ESRD
  2. 0
    Quote from ESRD
    Yep I'd take their advice just like I take all that advice I get on starting my own business on the internet... Did you also know that many of these insurance companies are in financial difficulty and need every $80 premium they can get to stay in business.


    Other than that your advice is priceless.. i.e. not worth much....

    ESRD

    Did you really think they were gonna tell you.."Buy our insurance it will make you a target for a lawsuit"?????

    HINT HINT as soon as you are served with a deposition date guess what you hire a lawyer...Do you suppose the opposition's lawyer might figure you have malpractice insurance then????? Hellllllllllllooo
    ok, time for your medications, the paranoia is starting again.

    SHOW ME PROOF of your illogical claims, documented for all to scrutinize. I am not interested in your conspiracy theories. By the way, if you read my first post, I have been deposed as a factual witness. Game over..please insert coin.
  3. 0
    Wow...Im off line one day and paranoia rears its ugly head yet again!
    But it's been quite fun reading!

    Ok...for everyone out there reading and posting...

    ESRD is NEVER going to understand or change his/her mind about malpractice insurance! That is ok...

    WE all understand the importance and the logic and the absolute necessity of carrying our own insurance.

    It's ok.

    And LarryG...I think that the answer that ESRD was trying to tell you, and all of us..."I have no idea about what I speak!!"

    But it's all good...at 53 retirement is coming for ESRD!!!!!

    Keep smilin'
  4. 0
    Quote from RNin92
    Wow...Im off line one day and paranoia rears its ugly head yet again!
    But it's been quite fun reading!

    Ok...for everyone out there reading and posting...

    ESRD is NEVER going to understand or change his/her mind about malpractice insurance! That is ok...

    WE all understand the importance and the logic and the absolute necessity of carrying our own insurance.

    It's ok.

    And LarryG...I think that the answer that ESRD was trying to tell you, and all of us..."I have no idea about what I speak!!"

    But it's all good...at 53 retirement is coming for ESRD!!!!!

    Keep smilin'

    First of all I am a she.. And on a nurse's salary and with the dire consequenses looming on the malpractice scene I doubt I'll retire soon..
    '

    I believe it's ya'll who are paranoid..You're the one's worried enough to be hoodwinked into thinking that malpractice insurance is gonna make you feel all warm and fuzzy on the witness stand..The chances of you getting sued are less than a bee sting killing you...That is the irony of all of this..

    The insurance companies are charging you diddly squat for insurance premiums because they know your chances of getting sued are very low..

    Do you suppose a podiatrist pays the same premium as an OBGYN ..
    And as for taking advice from the person selling me insurance that's is just too funny.

    I doubt you missed much..No one has come up with any stats to prove either of the sides of this issue right or wrong...

    Seems to me it's a status quo..

    ESRD..

    P.S. You didn't miss anything sorry to disappoint you.. And your comment that I don't know what I am talking about is really ironic coming from you.

    You haven't proven anything either..Just followed the piped piper cuz that's what we've always done.....

    Also I believe attacking me is rather a desperate action for someone who is so sure of themselves.



    For those of you too internet challenged to do your own search I will direct you.. Even at the ripe old age of 53 I am able to do that.

    http://www.house.gov/jec/tort/05-06-03.pdf

    Now for those of you not familiar with pdf files you with need to download a reader.. If you can't/won't do that come back here and I'll walk you through that too.


    ESRD

    This site will show you that even having insurance because you want to do right by a potential patient you may harm doesn't hold water either.
    Last edit by ESRD on Feb 17, '04
  5. 0
    Quote from ESRD
    And as for taking advice from the person selling me insurance that's is just too funny.

    I doubt you missed much..No one has come up with any stats to prove either of the sides of this issue right or wrong...

    Seems to me it's a status quo..
    Your opinion can not be backed up with literature, so now you cry foul.

    The law firm that represented me then and the ones I now now continue to do research for will have a chuckle from your posts. I may emailed a copy to them.

    As far as taking advise from someone selling insurance? They follow rules set by the insurance commissioner.
  6. 0
    Quote from ageless
    Your opinion can not be backed up with literature, so now you cry foul.

    The law firm that represented me then and the ones I now now continue to do research for will have a chuckle from your posts. I may emailed a copy to them.

    As far as taking advise from someone selling insuranc


    e? They follow rules set by the insurance commissioner.

    So do spammers...


    ESRD..

    And we haven't stopped them or the late nite informecials..

    Do you really think lawyers are gonna give away their secrets.. Not for free..LOLLL

    I'm sure they are laughing all the way to the bank... I don't need to uphold my feelings. I am not encouraging any one to buy insurance.

    Read my new post.. If you have difficulty come back and this old woman will help you..
  7. 0
    Quote from ageless
    Your opinion can not be backed up with literature, so now you cry foul.

    The law firm that represented me then and the ones I now now continue to do research for will have a chuckle from your posts. I may emailed a copy to them.

    As far as taking advise from someone selling insurance? They follow rules set by the insurance commissioner.

    Lawyers are the biggest winners in malpractice suits ..Why would they bite the hand that feeds them????


    ESRD..
  8. 0
    Quote from ESRD
    So do spammers...


    ESRD..

    And we haven't stopped them or the late nite informecials..

    Do you really think lawyers are gonna give away their secrets.. Not for free..LOLLL

    I'm sure they are laughing all the way to the bank... I don't need to uphold my feelings. I am not encouraging any one to buy insurance.

    Read my new post.. If you have difficulty come back and this old woman will help you..
    Just for the record I was an LVN/LPN for nin years and never carried insurance. Just this year I completed my ADN and got my RN it was so freaky that just days after I was finished with my hospital orientation a Pt filed charges on me personally claiming I slapped him. I was very fortunate he was confused and did not even have his days correct claiming that I slapped him on a day I wasn't even assigned to be his nurse. He did press charges and they did go the City Attorney who dropped it as no evidence and it was his word against mine, but the moral of the story is I was not covered and if he had been more accurate with days and had asked a family member to back his story or something I could have been in a lot of trouble. Yeah I know there are a lot of IFs but it was enough for me to wkae up and say Hell ya I need insurance, all the better that it is cheap and there is really such a low likely hood that I will ever need but I live in Tornado alley and I have Home insurance too.

    Here is a little article I wrote after that incident
    http://www.okcnursingtimes.com/speci...urrent&count=0
    Last edit by CCU NRS on Feb 17, '04 : Reason: addition
  9. 0
    All are entitled to state their opinion, but please, then state your opinions or "feelings" (as you call them) as conclusions deduced by guesswork rather than fact. You just keep restating what you "think" might be the correct answer and asking us to swallow your "the moon is made of green cheese" theory.

    Move along.
  10. 0
    Quote from ageless
    All are entitled to state their opinion, but please, then state your opinions or "feelings" (as you call them) as conclusions deduced by guesswork rather than fact. You just keep restating what you "think" might be the correct answer and asking us to swallow your "the moon is made of green cheese" theory.

    Move along.


    Right after you..

    Read page 26 of the doc I posted..'' Lawyers take 33 to 40 percent of the settlement." That's a fact... So I'm gonna take their advice on buying a policy that lines their pockets..NOT :hatparty:


    ESRD


Top