Medical liability, defensive medicine and professional insurance in otolaryngology

Reforming the medical professional liability insurance system.

All rights reserved. Individuals may photocopy all or parts of Position Papers for educational, not-for-profit uses. These papers may not be reproduced for commercial, for-profit use in any form, by any means (electronic , mechanical, xerographic, or other) or held in any information storage or retrieval system without the written permission of the publisher. Executive Summary The American Coll...

Liability and liability insurance for medical malpractice.

Physicians typically carry virtually complete malpractice insurance coverage. This contradicts standard theoretical predictions that under a negligence rule of liability there should be no demand for insurance, and insurance policies under moral hazard will contain co-payment provisions. It is argued that judicial 'errors' in defining negligence generate a demand for liability and legal defense...

Risk Control in Professional Liability Insurance

PROFESSIONAL liability insurance has become society's chief agency for the distribution of the cost of malpractice by the medical profession. It is quite natural that the medical practitioner, conscious of the possibility of a ruinous malpractice judgment, should seek the protection of insurance. Several factors indicate that this segment of the insurance industry will grow rapidly in the futur...

Merit Rating for Doctor Professional Liability Insurance

Merit rating is the use of the insured's actual claim experience to predict future claim experience. This paper discusses merit rating for professional liability insurance for both individual doctors and group practices. The paper presents several different theoretical formulations for merit rating. Credibilities are stated in terms of the parameters of the risk process. The paper discusses sev...

Defensive Medicine and Medical Malpractice