Tough Defense Policy Benefits Insurer, Doctor
With President George W. Bush proposing a cap on pain-and-suffering awards, medical liability reform is taking center stage. The debate over what reforms are enacted into law will, of course, take months. In the meantime, there are steps that both insurers and physicians can take to help reduce claims frequency and mitigate costs.
Physicians must be proactive in working with their insurance brokers to assure that policy language provides them with the ability to influence the disposition of any potential claims that are made. Physicians should always have a clear understanding of the policys claims provisions at inception of the policy instead of waiting until an actual claim occurs.
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