Medical Malpractice Insurance in North Carolina
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Medical Malpractice Insurance in North Carolina
What is medical malpractice insurance?
Clinical healthcare presents substantial liability risks, as a medical provider could be held financially responsible if they make a mistake. Medical malpractice insurance may help medical providers practicing in North Carolina shield themselves from these types of lawsuits.
Medical malpractice insurance is a specialized liability coverage for medical providers. Policies may help pay court fees, attorney fees, and settlements if a provider is sued for alleged mistakes.
Given the complexity of medical malpractice coverage, it’s important that providers work with a knowledgeable agent when comparing policies and protections. An agent who specializes in medical malpractice will be able to evaluate needs, review coverage options, and make an informed recommendation.
Does North Carolina require professional liability insurance for doctors?
North Carolina generally doesn’t require professional liability insurance for doctors, but most providers should have coverage. Not insuring can be costly if a mistake leads to a malpractice lawsuit.
Additionally, many healthcare facilities have their own requirements that providers carry professional liability insurance for doctors. Those who don’t obtain coverage might not be able to practice at certain clinics, hospitals, or other healthcare facilities/programs.
Do other medical professionals need medical malpractice coverage?
Medical malpractice coverage isn’t just for doctors. Nurse practitioners, physician assistants, nurses, and paramedics can all likely benefit from having coverage. Policies are usually available for medical providers at all levels of care.
What errors can medical malpractice policies cover?
Medical malpractice policies normally cover claims alleging negligence or malpractice. Depending on the term of a policy, covered claims might include:
- Medication errors
- Anesthesia errors
- Surgical errors
- Birth injuries
- Misdiagnosis
- Other errors
To be successful, claims usually need to show that an error caused the care rendered to fall below a provider’s standard of care. Even if a claim doesn’t successfully show this, however, it can be expensive to defend against any malpractice lawsuit.
Should chiropractors have a medical malpractice policy?
Most chiropractors can benefit from having a medical malpractice policy. A mistake when performing a realignment or other service can have devastating consequences for a patient. A malpractice policy that’s tailored for chiropractic work might cover such an accident.
Chiropractors can work with an insurance agent who knows medical malpractice well, in order to find a policy that’s tailored for their particular field.
What limits should doctors choose when getting medical malpractice coverage?
There’s no one set limit that’s right for every doctor’s medical malpractice coverage. In general, high limits are broadly recommended because lawsuits can be extremely expensive. Legal fees alone can cost a lot, and any settlement could be much more.
A knowledgeable agent can help doctors decide exactly what limits they should carry.
How much does it cost to get professional liability insurance for doctors?
The medical malpractice premiums that doctors pay vary a lot. A doctor’s specialty, years of experience, credentials, hours worked, and past claims are just a few of the details that can impact cost.
To find out how much medical malpractice will cost in a specific situation, doctors can work with an independent insurance agent. An independent agent will be able to request quotes from several insurance companies, which makes checking protections and premiums easy.
Where can medical providers in North Carolina find medical malpractice insurance?
If you’re a medical provider in North Carolina and need coverage, contact the independent insurance agents at Laurie Insurance Group. Our agents have helped many medical providers find the medical malpractice insurance they need, and we have the expertise necessary to make sure you get properly protected too.
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