Anyone Ever Actually Used Their Malpractice Insurance?

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Specializes in ER psych.

NSO, Proliability. Great prices obviously because they're rarely (if ever) used. Curious if anyone on here has any actual experience where they've had to use the ? What was the experience like?

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Specializes in Psych (25 years), Medical (15 years).

Excellent inquiry, CSUSM, as I've wondered the same thing- has anyone ever had a suit brought against them and needed to be represented and/or had benefits paid out?

Now, I have utilized their services about 20 years ago when I had a question on which course to take in dealing with a matter in which I might have been held liable for another's action. I spoke with an JD RN at my nurses company who assisted in directing me.

In typing this post, I recalled a situation about the same time, 20 years ago, where I had both civil and criminal charges brought against me. My homeowner's insurance was paying the attorney fees and since, during the initial incident, I said something that could have been taken as medical intervention, thought maybe my liability insurance could also assist.

The liability insurance company refused to get involved with the case and cited totally on the side of the plaintiff's deposition.

I didn't pursue the matter further, being overwhelmed with numerous major life stressors at the time. However, the refusal left me with a feeling that the liability insurance company was all show and no go.

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Specializes in Critical Care.

I don’t have it and I don’t know anyone with it. Usually they’re going after the people with the money. Namely the hospital itself.

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Specializes in Psych (25 years), Medical (15 years).

There have been a lot of past threads on this subject, CSUSM. Try putting "" into the search option and you'll get a lot of hits.

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Specializes in ER psych.
14 minutes ago, Davey Do said:

There have been a lot of past threads on this subject, CSUSM. Try putting "Liability Insurance" into the search option and you'll get a lot of hits.

Plenty of threads...not a single one seems to talk about actually USING the insurance when needed.

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Specializes in Psych (25 years), Medical (15 years).
18 minutes ago, CSUSM10 said:

Plenty of threads...not a single one seems to talk about actually USING the insurance when needed.

Makes ya kinda wonder, eh CSUSM?

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Better to have it and not need it, than to need it and not have it.

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Specializes in ER psych.
1 minute ago, caliotter3 said:

Better to have it and not need it, than to need it and not have it.

No offense, but the only people saying that around these parts are shady TV bail bondsmen. That completely disregards my original question. Has anyone actually USED their ? So far, I hear crickets....so I put as much weight on it being a useful product as I believe in Big Foot existing.

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Specializes in Critical Care.

It's extremely rare that a nurse would actually need to utilize , which is why it's so cheap.

As a younger nurse I was notified I was going to be deposed, so I notified NSO in order to utilize their "deposition coverage" which as it turned out consisted of someone telling you over the phone "don't lie, do what your employer's lawyer says". I asked specifically if that was what the "deposition insurance" consisted of, the reply was "yup".

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Specializes in Critical Care.
7 minutes ago, caliotter3 said:

Better to have it and not need it, than to need it and not have it.

It accounts for about $600 per year of my union dues, and is highly unlikely to ever serve any purpose, so no, I would disagree that flushing a few thousand down the toilet over the course of more than a decade is "better to have it", I'd rather have the few thousand dollars back and take my chances.

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8 minutes ago, CSUSM10 said:

No offense, but the only people saying that around these parts are shady TV bail bondsmen. That completely disregards my original question. Has anyone actually USED their Liability Insurance? So far, I hear crickets....so I put as much weight on it being a useful product as I believe in Big Foot existing.

Maybe people don't care to advertise on a public profession-related social media source about their personal experience in this area. Don't see many doctors blabbing about their malpractice cases. Why would nurses necessarily want to talk about it?

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Specializes in Psych (25 years), Medical (15 years).
On 1/9/2020 at 10:29 PM, Davey Do said:

My homeowner's insurance was paying the attorney fees and since, during the initial incident, I said something that could have been taken as medical intervention, thought maybe my liability insurance could also assist.

The liability insurance company refused to get involved with the case and cited totally on the side of the plaintiff's deposition.

I didn't pursue the matter further, being overwhelmed with numerous major life stressors at the time. However, the refusal left me with a feeling that the liability insurance company was all show and no go.

From the quoted portion of the deposition, it was as if the had found me guilty of the charges without further investigation.

Luckily, the jury ruled in favor of me and the plaintiffs received no compensation from the suit waged against me. A judge dropped criminal charges, so all's well that ends well.

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