Your Patient in Court: Financial Protection in Times of Malpractice Cases

Posted on Jun 28 2013 - 12:40am by Leola Schamber

Providing care that cures ills and pains is the duty of all health professionals. Doctors are especially bound by this responsibility, as they provide advice about different diseases and dispense treatment. But what happens when you provide medication and it turned out that your patient suffered severe allergy and adverse reactions? Your patient or the family might file a case against you and the hospital you work for. This can cause you to spend a great deal of money trying to defend yourself from the accusation.

Situations like this make it essential to have medical malpractice insurance. This can help make financial means available for dealing with liability claims arising from assumed improper treatment. Apply for medical malpractice insurance in Florida, so you can protect yourself against people accusing you of negligence, inexpert consultations and other similar cases.

Medical Malpractice: When Do You Become Liable?

During a case, the lawyer representing the patient will strive to establish the details of their claim. They must be able to prove that you’re responsible for any or all of the following instances:

• You didn’t or weren’t able to provide the fitting level of care or treatment.
• Your patient experienced an injury or the ailment got worse because of negligence.
• Your patient suffered undue pain or died because you didn’t provide the right treatment.

Medical Malpractice Insurance: When and How Do You Use It?

As a doctor, there’s always a chance that you would commit an error in judgment and cause a patient’s condition to worsen inadvertently. Your patient can sue you in court, and accuse you of medical malpractice. The other side might also exaggerate the effects of your mistake and ask for an unreasonable amount as compensation. Another instance you might experience is that you didn’t really do anything to warrant a malpractice case. This situation happens when the patient misunderstands the treatment and thinks you have made a mistake.

There are also other benefits in having insurance, apart from using it to pay for the lawyer’s fees and other accompanying expenses. The coverage can also help you provide a settlement for your Florida medical malpractice case, in case it’s proven that you are indeed guilty. The rest of the coverage can also protect your employees and hospital’s assets.

Finding the Right Malpractice Insurance for Your Needs

Getting advice from a knowledgeable insurance professional can help you decide on an insurance that will fit your needs. You’ll find out that your premiums can differ with your other colleagues. This happens because the insurance provider will weigh your risk of facing malpractice charges. The higher your risk, the more premiums you’ll have. Ask for more details about different policies from a firm offering different Florida medical malpractice insurance programs. Your agent can help you compare which ones can give you fine coverage in case you become the defendant in a malpractice case.