Professional indemnity insurance is what professional people buy to protect them against claims against them if they make a mistake in their profession.
In relation to compensation claims, it is the medical profession that buy this, to protect themselves if anyone makes a medical negligence injury claim in Copeland, because of a mistake the medical person has made.
Protection against a personal injury claim in Copeland is not a legal requirement
There is no law that says medical professionals should have this insurance, unlike some others that it is illegal not to have, motor insurance and employer’s liability being prime examples of these.
However, there are some governing bodies that insist on it as a condition of membership, and others that strongly recommend it. They also recommend that:
- It also covers everyone who works for the medical person, so in a doctor’s surgery, the nurses and anyone else employed directly by the doctors would be covered.
- That medical professionals ensure that any locums or stand in they use have this type of cover.
When a doctor, nurse, hospital, or any other one in the medical field makes a mistake, the consequences for the victim can be dire, and if they make a personal injury claim in Copeland against whoever made the mistake, the amount of compensation can be a lot of money.
Private or NHS
If the mistake happens in an NHS hospital, the claim would be paid out of the hospital’s funding, and they all set money aside each year to settle compensation claims. The same applies to any other publically funded organisation, as they are exempt from the need for any type of insurance.
If, however, it is a private hospital that has treated you and got it wrong, then it would be this insurance that settles the claim.
Proof of a 50% chance
Insurance companies insist that you prove there is at least a 50% chance that the treatment you received made you worse or created a new problem for you. This is normally achieved by obtaining a report from a specialist involved with the original illness or injury you were being treated for.
If they agree that the treatment you received was inadequate or wrong in some way, you stand a good chance of winning a personal injury claim in Copeland. If they say that they would have treated you exactly the same, there is probably no case for the medical profession to answer.
The complications of a medical negligence claim
Medical negligence claims are among the most complicated of all personal injury claims, but since June 2000, we have handled thousands of them and at Accident Advice Helpline, we have the experience and expertise you need to be fighting your side of the claim.
If you feel you have been mistreated by a doctor, nurse hospital or anyone else in the field of medicine, you should be talking to our expert injury claim lawyers about claiming compensation, from whoever was responsible.
Date Published: 2nd November 2014