A registered nurse forgot to put the siderails up for a confused patient. The patient fell out of bed and fractured his hip. The patient sues and wins a judgment (award) for $2 million
The nurse has an occurrence policy with double limit coverage of $3 million/$10 million that covered the time period when the incident occurred. The statement that best describes the nurse's situation is that her insurance policy will do which of the following?
a. Not cover her
b. Pay $4 million
c. Pay $2 million
d. Pay 75% of the $2 million
C
An occurrence policy will cover those claims that occurred during the time the policy was in effect. The policy will pay up to $3 million per claim; because the amount awarded does not exceed this, the nurse is covered.
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