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MedPro Group, formerly known as The Medical Protective Company, is a Berkshire Hathaway company and the largest provider of healthcare liability (medical malpractice) insurance in the United States. MedPro provides customized malpractice insurance, claims, and risk cover to physicians, surgeons, dentists and other healthcare professionals, as ...
Doctors' groups, patients, and insurance companies have criticized medical malpractice litigation as expensive, adversarial, unpredictable, and inefficient. They claim that the cost of medical malpractice litigation in the United States has steadily increased at almost 12 percent annually since 1975. [26]
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Professional liability insurance (PLI), also called professional indemnity insurance (PII) and commonly known as errors & omissions (E&O) in the US, is a form of liability insurance which helps protect professional advising, consulting, and service-providing individuals and companies from bearing the full cost of defending against a negligence ...
Defensive medicine takes two main forms: assurance behavior and avoidance behavior.Assurance behavior involves the charging of additional, unnecessary services to a) reduce adverse outcomes, b) deter patients from filing medical malpractice claims, or c) preempt any future legal action by documenting that the practitioner is practicing according to the standard of care.
For example, in Colorado, physicians are required to have malpractice insurance. In Oregon, lawyers must maintain malpractice insurance with the state Professional Liability Fund.
The attorney is prevented from contracting for a price that he feels is fair. As a practical effect, fewer attorneys are willing to take medical malpractice cases. Regulation also has emboldened malpractice insurance carriers to take cases all the way to trial, instead of settling the cases, because their potential exposure is capped.
Although proponents of damages caps in medical malpractice cases argue that the caps reduce malpractice insurance premiums for doctors, [10] despite a considerable amount of research on the subject the data in support of that argument is not compelling. [11]
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