The 101 on Bodily Injury & Financial Loss… |
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Example: You have a client who is doing IME’s (Independent Medical Exams). Your client conducts the non-invasive medical exam on Patient A. Patient A has issues with their shoulder and alleges re-injury from the exam and later sues your client for bodily injury.
Isn’t this covered within their PL policy?
9 times out of 10: No, it is not covered.
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Why is this not covered?
It’s not covered due to the claim of ‘bodily injury‘. It’s a frequent misconception of a physician’s legal duties in this context due to a perceived lack of the traditional physician-patient relationship. Duties that are more E&O related resulting in a financial loss would not be covered.
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How to fight this?
Bottom line: If your client needs it, make sure they have coverage for any 3rd party bodily injury claims resulting in a loss or any E&O claim resulting in a financial loss. |