Quote from 777RNThatsMe
Well, actually yes I was talking about health insurance and I should have specified that! But that brings up another question...to my mind...I wonder how many buy their own liability insurance as well....when I was in school our instructors told us that you are better off (as an RN) not doing so b/c the attorneys find out who has it...and if you do not they are less likely to drag you in to try to get more money etc....
Keep in mind that there are pros and cons to not carrying your own insurance in case you get sued for negligence or malpractice. You may be less likely to get sued, however, if you DO get sued, you'll be paying out of your own pocket for a defense and you can get PERSONALLY sued, which meanns you can lose your home, everything, plus get your waged garnished for the rest of your life.
Most states have laws that if you carry a professional license and carry the appropriate insurance to go with it, that you cannot be personally sued.
To me, I would never risk this. Your entire career is a long time and you should never assume that a hospital will protect you.