Who's In Your Corner?
When choosing a dental malpractice insurance carrier, one of the most important factors to consider is your defense team. After all, you will rely on this team from beginning to end. Make sure you know what kind of claims support is provided by the carrier and the plan you're considering before you select one.
If you report a claim, you'll likely be teamed with a claims representative from your malpractice insurance company. You will work closely with this person, so it's important he or she has the knowledge and experience needed to help protect your reputation.
Don't be afraid to ask how many years of experience the representative has. Specifically, ask if he or she specializes or is an expert in malpractice. Or, are malpractice claims only a small part of his or her day-to-day responsibilities?
Also, the best claims representative is only effective if you can reach the person with your questions and concerns. Ask about accessibility – both before and during a malpractice allegation.
Because speaking to a claims representative early may help you reduce the risk of a malpractice claim, make sure that's an option. Or, will the representative only talk to you after a claim is filed?
Malpractice insurance companies have several attorneys they work with across the country. Your company will assign one to defend your case.
Many things can depend on the outcome of a malpractice allegation – your reputation, your practice and finances. You should feel confident in your attorney's ability.
Before you choose a malpractice insurance company, inquire about the attorneys they use. How familiar are they with dentistry? Are they experienced in defending dental malpractice cases? Does the insurance company offer attorneys any specialized training or resources?