How do I determine if the medical malpractice claim is covered by insurance?

In order to determine if a medical malpractice claim is covered by insurance in Florida, the first step is to figure out what type of insurance the medical provider holds. This can be done by asking the medical provider or by consulting a state website such as the Florida Department of Financial Services’ website. Depending on what type of insurance the provider holds, the coverage will vary. For instance, if the medical provider has professional liability insurance, they are generally protected against claims for medical costs, compensation for pain and suffering, and lost wages. On the other hand, if the provider has “malpractice insurance”, this usually provides coverage for more severe legal claims and other damages. It’s important to note that there are certain circumstances in which an insurance provider in Florida may not provide coverage for medical malpractice claims. For instance, if the provider was negligent or failed to follow the standards of care required by their profession, then insurance coverage may not be available. Additionally, if the patient consented to whatever procedure was performed, then the provider may not be held liable for any damages that result. Ultimately, it is important to speak to an attorney and insurance provider to determine if the medical malpractice claim is covered by insurance in Florida. An attorney will be able to explain the specific coverage provided by the provider’s insurance and discuss potential legal remedies available to the claimant.

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