Nursing Malpractice Insurance
Clearly, investing in nursing malpractice insurance is of major importance where safeguarding oneself from liability is concerned. In fact, there are a number of reasons why many nurses choose to secure this kind of round-the-clock protection. As a rule, these reasons are based on incidents arising from allegations that nurses caused some form of harm. And one million dollars is not an unusual amount for a nursing malpractice insurance claim. At any rate, especially in the case of injury, a nurse should receive appropriate and timely medical payments. Indeed, there have been instances where global protection proved to be of great benefit. "And Pharaoh's daughter said unto her, Take this child away, and nurse it for me, and I will give thee thy wages. And the woman took the child, and nursed it." (Exodus 2:9).
Most commonly, an individual deals with either occurrence or claims-made policies. First of all, with an occurrence plan, if nurses are accused of negligence then they are covered even if the claim against them is made after the policy itself runs out. In other words, the alleged negligence claim made against the nurse is covered as long as the incident supposedly happened before the policy was canceled. Second, there are claims-made plans providing nursing malpractice insurance coverage only during the period that the policy is maintained. Obviously, keeping this kind of plan updated as long as the nurse is working would be best. Otherwise, any claims made against the nurse concerning past actions receive no malpractice coverage at all.
To begin with, understanding what personal injury actually means is very important when seeking insurance. Contrary to popular belief, personal injury does not refer to bodily harm. Instead, it actually means injury that results, for example, from: prosecution, wrongful eviction, false arrest, and either spoken or written slander. In the case of nursing malpractice insurance, any form of personal injury is covered only while the individual actually nurses. Also, if the policy has been allowed to lapse no coverage of this kind is possible. Meanwhile, the term personal liability refers to damage nurses allegedly cause to either property or another person. However, it is important for nurses to note that damages related to their job are not covered. This kind of coverage is already provided, for example, in the protection of one's home. The only benefit this has in a nursing malpractice insurance plan is for those not already covered from a previous source. In addition, a thorough understanding of the hazards involved with improper nursing documentation is of great consequence. Because effective documentation goes a long way towards safeguarding nurses and the subsequent interpretation of actions taken during their job performance. For instance, risk management courses available to nurses instruct them about proper charting. These courses cover areas such as: explaining which charting formats are preferable and which are not, promoting documentation clarity, illustrating dangerous mistakes commonly made, and demonstrating exactly how nursing documentation is viewed through legal glasses.
Also, when examining the various policy options available for nursing malpractice insurance, a person should ascertain whether the plan covers them when the shift is over as well. Decidedly, before transferring with a case to another hospital, a wise person finds out whether their coverage transfers along with them. It is also good to examine details about coverage for injuries occurring outside the nurse's place of employment. And the same goes for details pertaining to any possible future charges involving physical assault or slander. Perhaps one wishes coverage for these kind of incidents occurring inside the home. And too, close examination of the conditions under which a lawyer is provided is mandatory.
Of primary importance is investigating the insurance company's financial status and reputation. Especially in times of economic crisis, taking a very close look at the company's history, as well as its current activity and business connections in the financial world, in addition to media coverage is, again, of the utmost importance before engaging a company's plan. Naturally, obtaining a policy with a company likely to suddenly disappear provides neither true protection nor peace of mind. And, even if a nurse's employer says that they are already covered by them, it is still necessary to double check this out after requesting a copy for your own files. Indeed, a nurse has both the right and the personal obligation to ascertain facts such as: what exactly is one expected to do in the case of a lawsuit, who pays for the cost of legal representation, which type of policy provides their coverage, if that employer goes out of business will they still provide nursing malpractice insurance coverage, and to exactly what amount of medical payments is one is entitled.
Like it or not, the need for nursing malpractice insurance is here to stay. There are several professional nursing organizations, at least one of which has received an award for excellence, that provide a wide range of information enabling nurses to make the wisest choices. Furthermore, a person should be aware that special discounts are available, for example, to new graduates as well as student nurses. Malpractice insurance discounts are also available for nurses who have documented their study of risk management. In fact, even officially retired nurses are eligible for discounts as long as their license is still in effect. Also, a nurse should take advantage of various guides to malpractice that have been published. And finally, there are websites where one can enter their information quickly obtaining a quote for the desired coverage. On the whole, professional liability insurance, whether round the clock or round the globe, is an essential investment for guarding nurses against the pitfalls connected with liability claims.
Attorney Malpractice InsuranceThe need for attorney malpractice insurance can arise in cases where clients may feel that inadequate service is received for the money paid or due to unfair treatment. Those who are unhappy with the work done by their lawyer have options available to them. For instance, those who are dissatisfied with services have the ability to fire their lawyer. If a case has already begun and has been presented in a court of law, an attorney does have to be paid for the work put in, however, can be dismissed at any time despite any predetermined fee agreement. However, a few stipulations exist such as if a case is close to trial the court might not be as willing to allow the dismissal of a lawyer that has been with the case in question. Those who take the time to research and purchase insurance are certain to receive an added level of security in the event that problems arise.
There are several factors that can lead to a person becoming dissatisfied with an attorney, and such a matter should be dealt with as soon as possible with in order to avoid the need for attorney malpractice insurance. A red flag should be raised of a lawyer refuses to answer or return phone calls. Lawyers who are on a case must be in contact with clients not only to help ensure that the proper justice is seen to but due to the fact that they are getting paid in order to work with the client and do all that is possible to make certain that the case holds up in court. People who are unable to contact their lawyer by phone should consider writing all applicable questions and concerns and mailing a letter. If no response is granted, then a client is within rights to either contact the appropriate authorities or take the steps towards firing the negligent lawyer. Some of the most important qualities in attorneys are honesty and straightforwardness, "Provide things honest in the sight of all men" (Romans 12:17). Clients who feel they are treated dishonesty are well within rights to file a complaint or fire the lawyer.
People are not infallible, and lawyers are no exception. Attorney malpractice insurance is in some cases a necessary precaution in order to protect potential clients from being deceived or not receiving the service paid for. Those who are in the midst of dealing with attorneys should be aware of a few facts in order to ensure that the necessary precautions are taken in order to avoid potential deception or negligent behavior. From time to time, people may feel that bills are too high, and that the attorney in question has potentially overcharged them. Any and all fees should be in line with the terms set in the agreement that was come too before the beginning of the process. If a person is concerned and feels that the bills are exorbitant, there is the possibility of taking the matter to an applicable organization in order for the complaint to be reviewed. Clients might also feel from time to time that an attorney has acted in an unethical manner. Such actions can lead a lawyer to suspension or even disbarment, so such complaints should be filed only if there is sufficient evidence or concern and necessary precautionary measures should be considered such as options for attorney malpractice insurance.
Precautions should be taken against lawyers who promise that a case will be won, or that act in an arrogant manner. Chances are that clients who deal with lawyers who have a big head on their shoulders might be in greater need for attorney malpractice insurance. Those who have been in the field for any significant amount of time know from experience that not every case is guaranteed to be won, in fact there is always the chance that a case will be lost. Potential clients should be aware of the fact that even the most well known and experienced lawyers in the field lose from time to time. Clients should always be watchful of an attorney and do all that is possible to make certain that one working for them follows all the rules and regulations and does all that is possible to win the case based on the evidence and facts provided. Those who feel that their lawyer did not everything in their power or feel in any way that they were wronged, could possibly have grounds for a lawsuit and therefore would benefit from having sufficient insurance coverage.
Those who are interested in information on attorney malpractice insurance or perhaps want to learn more on the ways they can protect themselves have several options to choose from. There are many law firms who offer services where those who are in the need can talk to experts in field and gain the knowledge that is necessary to ensure that they receive the best service for the money spent. The Internet can also be a good source of information as there are many law firms and institutions that have web sites which are intended to provide those in need with up to date and sufficient facts that can greatly assist in the process. Attorney malpractice insurance can be very beneficial in instances where clients feel unjustly treated. Lawyer fees are expensive enough with the worry of added expense in an instance of mistreatment in injustice.
There are several options those can take by way of precautionary measures in order to protect themselves from malpractice. Those who take the time to look into attorney malpractice insurance can ensure to be well prepared against unforeseen financial burdens that could result from mistakes or hasty decisions made by potentially careless lawyers.