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Reply #216: Young doc to be, the malpractice INSURANCE crisis [View All]

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merh Donating Member (1000+ posts) Send PM | Profile | Ignore Thu Dec-02-04 09:36 PM
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216. Young doc to be, the malpractice INSURANCE crisis
is not the lawyers fault, it is the fault of the insurance companies and the medical profession. Insurance companies invest their monies and when the stock market started to have problems, so did the insurance companies. In order to maintain their profits, they increased the rates. It is really rather simple. Insurance companies have done this for years, in to all sorts of professions that require insurance (contractors, transportation companies, home owners and even lawyers).

The medical community does not properly regulate and discipline its own. Complaints made against doctors are rarely acted upon, and if they are, it rarely results in suspension or revocation of licenses.
Doctors cover their fellow doctors arses, as do hospitals.

Also, keep in mind, medical malpractice insurance is a business expense which can be claimed at tax time, thus the doctors pay less taxes and are able to see more money in the pockets of their white coats. And, I hate to be blunt, but why is it that doctors feel they are entitled to drive fancy cars and live in fine, expensive houses? Yes, the went to college longer than most and they have to do their intership and residencies, but so. There are thousands of folks who put in as much hard work and time in the "real world" who will never be able to live at the standard doctors feel they are entitled to. What ever happened to the practice of medicine for the purposes of helping people and not for the sake of living well above the middle class?

I don't get it, please explain it to me. I have to pay car insurance and health insurance out of my salary and those are not tax right offs, they are a must (well, sadly now health insurance is a luxuary, a lot of folks can't afford it). Those premiums are huge chunks out of my salary - I do without luxuries and necessities to pay those. I

Get the message right and not what the medical profession and insurance companies want you to believe - INSURANCE RATES are as a result of insurance companies wanting to continue to make profits. If you don't believe me, go look and see which industry in our lovely land has continually shown a profit over the last 30 years.

As to the OB/Gyn having to deal with an "18 year statute of limitations" - the minor has the right to bring suit once he/she reaches legal age if the doctors negligence caused that child harm. You would have no problem with this if it was your child with ceberal palsy caused by the negligence of the doctor and your child sued in the hopes of being able to obtain some money that will help him/her deal with his handicaps during his/her adult life. Try to put yourself in the shoes of those nasty plaintiffs. Then try to learn all of the facts. When you have time, I will gladly explain to you the expenses that those nasty trial lawyers foot to pursue the litigation. They can be astronomical and they do it out of pocket, they only recover if the plaintiff recovers.

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