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Malpractice Insurance for Nurses: Why You Need to Consider It
Many nurses don?t think about getting their own malpractice insurance, also called personal liability insurance. They believe that the insurance provided by their employer will be enough to protect them if someone files a malpractice lawsuit. However, individual malpractice insurance is invaluable for nurses, even those with insurance from their employer.
Imagine that you are driving home from work one evening and you witness a car accident. You stop to help as most nurses would in the same situation. Later, the individual that you stopped to help sues you for malpractice for a decision that you made in the heat of the moment as you tried to help.
This situation becomes even more difficult when you realize that the insurance your employer has for you only covers you when you are in the hospital and on duty. You and your family are left vulnerable and facing large legal fees just because you tried to help someone. You could lose your license, your job, and your hard earned money in this situation.
If you had your own personal liability insurance, you?d be covered and you?d have help with the legal situation. Depending on the exact details of the insurance, you might even be compensated for time you had to take off your job to attend hearings or a trial. You won?t be left alone with the risk of losing everything when you have your own insurance.
Even if the incident takes place while you are working, your own malpractice insurance will give you extra protection. In many cases, you may not be provided with your own lawyer during proceedings involving your employer?s insurance. When you?ve purchased your own, you can have your own lawyer present to protect your interests and not just the hospitals.
Another issue is that if you leave your employer for another job, your insurance at your former job may not cover you anymore for things that happened there. This can leave you vulnerable because your new employer?s insurance won?t cover you for those past events either. Having your own insurance eliminates these problems.
Although personal liability insurance can be expensive, it will give you additional peace of mind that you can help others and not have to worry about being sued later. You?ll want to examine your employer?s insurance before buying your own to see what exactly they cover. This may help you save some money if there are aspects that you could leave off your own without leaving yourself vulnerable.
Malpractice insurance will make sure that you?re covered, regardless of where you are when you help someone. Don?t rely on your employer?s insurance and expect to be covered. Instead, make sure that you know exactly what they cover and then make sure that you protect yourself and your family.
Frank Vanderlugt owns and operates http://www.malpractice-lawyer-2008.com Malpractice Lawyer
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