It is important for potential plaintiffs in a medical malpractice case to understand what tail coverage entails of. Medical malpractice cases have their set statute of limitations that vary from state to state. The statute of limitations is the time that the state gives the plaintiff to bring on their claim against the healthcare provider following the medical error. Depending on which area within the medical field the error took place, there are different time limits the usual being about two years. What would happen in the case that a plaintiff made a claim during the time that the physician’s policy had ended?
In a case like that, it is important to know whether the physician has additional coverage purchased, referred to as “tail coverage”. It is always good to investigate why type of insurance coverage a health care provider that a patient plans on going to has. Knowing the insurance policies that they have will serve as a protection for the financial burden that they will have to deal with if they do become a victim of a medical error. Typically, mistakes committed by a medical professional will leave a patient with extensive injuries, which will require additional treatment, and or surgery.
Before learning about tail-coverage, one should learn about the insurance policies for standard claims-made. Under this coverage, the physician is protected for an incident that happened and for a claim that was made while their policy was still active. The intricacies associated with malpractice cases can interfere with the effectiveness of a plaintiff’s case. If they do not have any knowledge, especially about the insurance policies, winning their case will prove quite difficult.
Understanding Tail Coverage
Unlike the standard claims-made coverage, tail coverage is used to protect claims that are made after the physician’s policy has either been canceled or expired. Additional money will have to be paid to cover a tail coverage policy; it is quite expensive. Typically, a claims-made policy will provide the healthcare provider with the option to purchase a tail coverage. The price of the tail coverage will vary from location and specialty of the physician. In addition, a physician might have an option to join a group coverage, which would give the physician the ability to split the cost of the tail coverage.
Speak With a Malpractice Lawyer To Learn of All Facts Associated With Your Case
There is so much to learn and understand in regards to malpractice cases that even lawyers are always learning new things. Medical accident attorneys from Percy Martinez Law Firm can work with their clients to help them better understand the role that every fact, evidence, and the insurance company will play on their case. Do not deal with these types of cases without professional help.
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