Split this from this thread: http://elliquiy.com/forums/index.php?topic=20172.0
As with many forms of insurance, part of the problem is the doctors who are making the mistakes, or who are deliberately ignoring procedure, and then continuing to practice.
Malpractice is incompetence, negligence, or outright idiocy and hubris. It's not supposed to be for "oops, the scalpel slipped for the first time on my nine thousandth surgery of this kind". Surgery, treatment - medicine
- is not without its risks. Any time you invade the body, there is going to be consequences. It's just that the chance of consequences is so small that generally the cure is better than the cause. It's when the cure is worse than the cause that people get pissy. But that's the risk you take. Every time. Every
time. For instance, every time someone gets their tongue pierced, they run the risk of having their tongue swell up and suffocate them. Piercing is a relatively minor invasion, and not something that even needs to be done by a trained M.D.
It's the people that attempt procedures for which they are not trained, without proper supervision, that mess things up badly. It's for the people that are handling too many cases, who are being hasty, who are not doing their job the way it should be done. You may not be the best doctor in the world, but if you practice medicine responsibly, you should not ever have to make a claim on your malpractice insurance. It's somewhat like auto insurance that way - the majority of people should never
Instead, you have doctors continuing to practice medicine after multiple incidences of gross incompetence, or after quite a few unethical incidents. And sooner or later, they are going to end up on the wrong side of the wrong patient, and get sued for a large sum of money. They should
have punitive damages. They should
get their asses kicked. But it should not
be at the cost of the insurance company. The money to take care of that patient should come out of the doctor's pocket, for the rest of their life if need be. Unfortunately, with that system, you get intot he same problems that the child support system has... you would have deadbeat doctors as well as deadbeat dads, and the patient suffers even more. With more widespread reporting between states, and more reciprocity across state databanks, though, it would become increasingly easy to use their medical license to track doctors who try to set up shop elsewhere, and to enforce payments on them if they owe. These
are the peckerheads who should suffer the wrath of the insurance system. Not the patient. And not the practitioners out there who actually obey the law and care about their patients.