Should A Nurse Get Malpractice Insurance?

As a practicing nurse, should you have malpractice insurance? In these times, expect that most nurses have it. Especially, if you are an independent contractor or work for a health care pvoder who does not insure individually named nurses. That's not to say you wouldn't be covered under a policy even if you are not named as an individual insured. It's just extra protection; protection you would want in the event you get sued.

There are many companies who provide this type of insurance, the key is getting the most highly rated on ewith the most coverage for your premium. The worst case would be to have paid the premium throughout the years and not have coverage when you need it.

The amount of coverage will vary depending upon the type of policy and the liability risk. Consider occurrence-base policies first. If it's still not affordable, then look at claims-made policies. Either way, if you get sued, you'll be glad you have some coverage if for no other reason than your comfort level.

Review Photographs & Diary Notes When Reviewing Medical Records

In your review of the medical records, be sure you ask to see any photographs depicting the alleged injuries or diary notes of it, as well. Remember the old saying that a picture tells a thousand words?

It's often much easier to understand something that you've seen as well as read.

So, be sure to ask the attorney if there are photos you can review.

Diary notes of potential plaintiffs, family members or friends often shed insight into a case. Whether they are accurate or not should become clear as you read them. Be sure you ask for them. You'd be surprised how many write, or type, notes, emails, blogs, texts or tweets about their experiences. These could all prove helpful to you in your review of the case.

You must ask for these photographs and notes, or you might be given them.