Personal malpractice insurance....yes or no? - page 4

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 malpractice insurance. Also I know, I've been told that the... Read More

  1. by   SmilingBluEyes
    I was wondering where you were, James!
  2. by   rebeccainlv
    My husband and I have all of our assets covered under a umbrella policy. We have many real estate investment properties, a small car collection and many different types of investment accounts and everything is covered under the umbrella policy. Our assets and estate is totally protected from any type of law suit. This includes auto accidents, tenants sueing us or patients sueing me. It's reasonably priced and we're protected for more than just medical law suits.
    You can get the umbrella policies through your homeowners or auto insurance companies.
  3. by   lawc2315
    I have a better cure for frivolous lawsuits. Cap the lawyers fees. I think they should get 5000 and not a penny more. And if they lose, the lawyers have to pay the dr/nurse or whoever plus the lawyer fees. And the person who brought the suit has to put 10 percent of their earnings for the last year in a fund to help (pick a charity).[/QUOTE]

    That will never happen. The lawmakers that would make laws to protect us are the lawyers! (lol)

    I totally agree though, as a nation we should raise enough heck to help bring more restrictions to all the lawsuit happy people. What's even more disgusting is the "ambulance chasers" with all their ads on TV.

    Most lawyers take their hearts out of of their work and make it strictly a money making enterprise. Not downgrading lawyers, I have friends, that is the way it is.
  4. by   NRSKarenRN
    Remember too if you are reported to SBON for practice issues, personal nursing insurance policy will pay for consultation/ representation but not work policy.
  5. by   James Huffman
    Quote from lawc2315
    I have a better cure for frivolous lawsuits. Cap the lawyers fees. I think they should get 5000 and not a penny more. And if they lose, the lawyers have to pay the dr/nurse or whoever plus the lawyer fees. And the person who brought the suit has to put 10 percent of their earnings for the last year in a fund to help (pick a charity).
    That will never happen. The lawmakers that would make laws to protect us are the lawyers! (lol)

    I totally agree though, as a nation we should raise enough heck to help bring more restrictions to all the lawsuit happy people. What's even more disgusting is the "ambulance chasers" with all their ads on TV.

    Most lawyers take their hearts out of of their work and make it strictly a money making enterprise. Not downgrading lawyers, I have friends, that is the way it is.[/QUOTE]

    1. An even better idea, and more realistic: adopt the English system of "loser pays." That is, if someone sues a nurse, physician, or whatever, and loses the case, the one suing (the plaintiff) pays the legal fees for the defendant. In American law, the plaintiff usually has nothing to lose in filing a suit. This would ensure that people would only files cases in which there was a reasonable chance of winning, and in which there were reasonable grounds for the suit.

    2. As far as the lawyer ads on TV, again, these attorneys are just taking advantage of the system (and as the situation is now, nothing wrong with that). It makes sense for their clients to file even frivolous suits, because the client stands to lose nothing by such a suit.

    3. Let's not be too hard on lawyers who make it a "money-making enterprise." That's what they're in business for. Nurses are in business to make money, too. I invite those who say they are not to send their checks to me. I will gladly take the filthy lucre off their hands.

    Jim Huffman, RN

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