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Malpractice Insurance Quiz Answers
Contributed by CMF Group

  1. The two most common types of professional liability insurance plans are:
    1. “Personal Injury” and “Professional Liability”
    2. Each claim and annual aggregate
    3. “Claims-Made” and “Occurrence”

  2. Coverage for claims made against you only while the policy is in force is provided by:
    1. An “Occurrence” policy
    2. Annual aggregate policy
    3. “Claims-Made” policy

  3. The down side of the “Claims-Made” policy is that the coverage:
    1. Must have a high liability limit
    2. Does not cover personal acts of negligence
    3. Must be continued indefinitely to assure coverage for claims filed in the future for actions that occurred in the past.

  4. Under which type of policy does it not matter if the coverage is in effect at the time the claim is made?
    1. “Occurrence”
    2. “Claims-Made”
    3. “Personal Injury”

  5. Even if you cancel your policy at some future date, you will still have coverage for events that occurred while the policy was in effect. This is a benefit of which type of policy?
    1. “Claims-Made”
    2. “Occurrence”

  6. To find out the financial strength of your insurance company:
    1. Ask the insurance company
    2. Ask a friend
    3. Go to the library and look it up in Best’s Guide to Insurance Companies.

  7. An insurance company with superior financial status will receive a Best’s rating of:
    1. “Superlative”
    2. +10
    3. A++

  8. $1,000,000/5,000,000 means:
    1. You are covered for up to $1,000,000 for each claim against you and also for up to $5,000,000 for each claim against you.
    2. The most the carrier will pay out for any one claim is $1,000,000.
    3. The most the carrier will pay out for any one claim is $5,000,000.
    4. The most the insurance company will pay out for losses in any one policy year is $5,000,000.
    5. B and D

  9. Legal costs included within the limits of liability:
    1. Reduce the amount of money available to pay for damages.
    2. Has no effect on the amount of money available for damages.
    3. Increase the amount of money available to pay for damages.

  10. So that legal costs do not reduce the limits of liability available to pay for damages make sure that:
    1. They are in addition to the Limits of Liability.
    2. They are within the Limits of Liability.
    3. They are on an “Occurrence” basis.

  11. When you suspect that you have committed a wrongful act which may result in a claim or suit against you, what should you do?
    1. Wait and see if you are sued.
    2. Notify the insurance company as soon as possible.
    3. Talk to the injured party and see if they are going to sue you.

  12. If you do actually become involved in a claim or lawsuit:
    1. Send the insurance company the original suit papers or other legal documents you receive immediately.
    2. Send the insurance company copies of the suit papers or other legal documents you receive as soon as possible.
    3. Send the insurance company a summary of what the legal documents say.

  13. An example of damages covered by “Personal Injury” coverage is:
    1. Your dog biting the mail man.
    2. False arrest, detention or imprisonment.
    3. A visitor tripping over a child’s toy.

  14. “Personal Injury” coverage:
    1. Covers bodily injury or property damage to others as a result of your nursing duties.
    2. Does not cover nursing related damages.
    3. Covers libel and slander.

  15. If you have insurance coverage through your place of work you should:
    1. Ask a co-worker if they think the coverage is good.
    2. Accept a verbal confirmation of coverage from administration.
    3. Obtain a copy of the policy and read it.

  16. In most cases, coverage through employment:
    1. Will cover you off-duty also.
    2. Will not cover you off-duty.
    3. Will cover you off-duty if someone at work tells you so.

  17. An example of a “Personal Liability” claim is:
    1. Someone tripping over a child’s toy in your house or apartment.
    2. Your dog biting the mailman.
    3. Accidentally injuring a patient while helping them into the bed.
    4. A and B

  18. “Personal Injury” offense means:
    1. Injury other than bodily injury.
    2. Bodily injury and property damage.
    3. Bodily injury only

  19. If you suspect that you have committed a wrongful act which may result in a claim or suit against you—Never:
    1. Immediately notify the insurance carrier.
    2. Assume any financial obligation or pay out any money without the insurance company’s prior consent.
    3. Give the names and addresses of any witnesses and injured people to the insurance company without permission.

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Updated February 20, 2001