A nurse is named in a lawsuit and has no professional malpractice insurance coverage. What is true of this situation?
1. The nurse is considered judgment-proof and will not be required to pay damages.
2. The nurse can be held personally responsible for all damages assessed.
3. The nurse can rely upon the hospital's insurance policy as protection from personal financial liability.
4. The nurse will be nonsuited from the filed lawsuit once this fact is known.
2
Rationale: Despite not having insurance, nurses are liable for their actions and can be held personally liable for damages. Nurses are never considered judgment-proof and are not released from a suit because there is no insurance. In addition, the hospital's insurance policy does not always provide all the financial protection that may be needed.
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