Malpractice insurance for RNs?

[ecierra]

I am trying to decide if I should get my own malpractice insurance in addition to what the hospital provides. Some of my friends won't work without it, and others don't care, but I don't really know that much about it. Any suggestions?

[Mike A. Fungin RN]

If you own nothing and have nothing to lose you don't need insurance. If you have a home, car, savings, personal possessions, then you need insurance. If I have a problem then I want a lawyer who is going to represent MY best interests, not the hospital's which is exactly what the hospital's lawyer will do - even if it means frying you!

Are you joking?! If you own nothing and have nothing and lose a lawsuit, they can still garnish your wages for the rest of your life. How would you like having money taken out of your paycheck by the courts to pay off your settlement?

[CrufflerJJ, BSN, RN, EMT-P]

If you own nothing and have nothing and lose a lawsuit, they can still garnish your wages for the rest of your life. How would you like having money taken out of your paycheck by the courts to pay off your settlement?

Ahhh.....yes. The American Way!