Medical malpractice occurs when a health care provider deviates from the accepted standard of care, resulting in harm to a patient. While most medical professionals strive to provide the best care possible, errors can and do happen. Understanding common claims may help doctors and others in the medical industry navigate various risks and exposures and limit the chance of an incident and subsequent claim.

5 Common Malpractice Claims

Some of the most common malpractice claims include the following:

1. Misdiagnosis or delayed diagnosis—This is one of the leading causes of malpractice suits. A missed or incorrect diagnosis can prevent timely treatment, worsening a patient’s condition.

2. Surgical errors—These range from operating on the wrong site to leaving surgical instruments inside the patient. Even minor mistakes can have serious consequences.

3. Medication errors—Administering the wrong drug or dosage can lead to severe complications or death.

4. Childbirth injuries—Negligence during prenatal care or delivery can result in injuries to both mother and child, such as cerebral palsy or fractured bones.

5. Anesthesia mistakes—Errors in administering anesthesia can cause brain damage, permanent injury, or death.

These claims can be financially and emotionally devastating for health care providers, even if the allegations are ultimately unfounded.

The Importance of Medical Malpractice Insurance

Medical malpractice insurance is a specialized form of professional liability coverage that protects healthcare providers from the financial fallout of malpractice claims. It typically covers legal defense costs, settlements, and any damages awarded to the plaintiff.

There are two main types of policies:

• Claims-made policies require the policy to be active both when the incident occurred and when the claim is filed.

• Occurrence policies can cover any incident that happened during the policy period, regardless of when the claim is made.

We’re Here to Help

Contact Wimmer Insurance in Detroit Lakes, Minnesota, today to discuss medical malpractice coverage and secure a policy capable of addressing many common claims.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.