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Three years after the medical malpractice reform insurance debate shook Tallahassee during an unprecedented three special sessions, the aftershocks are still rumbling across the state. Though the Florida Medical Association waved the white towel in surrender in 2003 when the legislature failed to pass a hard $250,000 cap on pain and suffering damages, the state’s doctors are now getting just what they hoped for. MedMal insurance rates are falling for the first time since the late 1990s, a steadily growing number of companies are entering the market and, perhaps the best news of all for insurers and doctors alike, is that the number of claims is plummeting.

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