A recent nursing graduate has questioned the need to carry malpractice insurance, telling a colleague, "I don't actually need to pay for personal insurance because my hospital has its own malpractice insurance." How should the nurse's colleague respond?
A) "That's true, but you should make sure you know how much coverage the hospital carries."
B) "You could be sued personally and the hospital's insurance might not cover all your liability."
C) "Your personal insurance would replace the insurance that the hospital carries."
D) "That's not true because the hospital's insurance only covers criminal cases."
Ans: B
Feedback:
There are several reasons why nurses should carry their own liability insurance policy; if the nurse and his or her employer are codefendants and found liable and the cost of the settlement exceeds his or her employer's policy limits, he or she may be required to pay the excess out of his or her own pocket. A hospital's insurance is not limited to criminal matters and personal insurance does not substitute for a hospital's insurance.
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