During a recent seminar, we discussed relationships between doctors and their insurance companies. At NCMIC, this relationship is unique because we don't necessarily open a claim file when doctors call us. We want to encourage doctors to contact us before there is any hint of a claim.
by Dan Zimmerman in Malpractice Defense on Wednesday, October 31, 2018
I recently conducted a risk management seminar at a chiropractic college. During the seminar, we discussed the relationship between the doctor and the malpractice insurance carrier, and I was reminded that it is a unique relationship where the doctor and the insurance company are on the same side.
Have you ever contacted your home and/or auto insurance company to ask questions about an accident you’ve had? Right now, I am guessing that you either uttered out loud or thought in your mind something to the extent of “Are you crazy?!”
In most situations, if you call your home or auto insurance company to ask questions about what to do to either avoid, mitigate or manage a claim, they will officially open a claim whether you want them to or not. This can have an adverse effect on your premium rates, claims-free discounts and possibly your overall insurability.
Did you know that NCMIC prefers that you call to discuss situations even before there is any hint of a claim?
You see, in the case of malpractice insurance, it’s not only in your best interest, but also your malpractice carrier’s best interest to avoid claims altogether. At least NCMIC hopes to mitigate your risk in the event a claim is actually rendered against you.
That’s why if you, as a policyholder, ever have a situation occur that you believe could possibly lead you down the path of an allegation of malpractice, you are encouraged to call our experienced claim representatives at 800-242-4052. They can assist you with navigating the situation and avoiding a claim or mitigating your risk.
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Tags
- established d.c.s
- malpractice insurance
- risk management
- students
About the Author
Dan Zimmerman
Dan Zimmerman, an NCMIC senior professional relations representative, joined the company in 2010 following 12 years in the property/casualty insurance field. That experience provided opportunities for him to excel in customer service skills as both an adjuster and a marketing representative. As a member of the corporate relations team, Dan travels the country extensively representing NCMIC at various college industry events. He also participates in Starting into Practice workshops and risk management seminars that are presented at the colleges. And back in the day, Dan earned All-American honors as a sprinter on 4 x 100 and 4 x 400 relay teams. Obviously, that qualifies him as a team player.
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