Question

If a given state gave physicians the option of purchasing professional liability insurance, what personal and professional risks would physicians face if they did not purchase the insurance?

Given the goals but also the problems that arise with professional liability insurance, do you believe that every practicing physician should be covered by medical malpractice insurance, or do you believe coverage should be optional?

Answer 1

#. The personal and professional risks, physicians would have to face if they did not purchase the insurance are :-

- lack of financial protection

- lack of coverage against claims of negligence and malpractice

- loss of wages

- defamation

#. I believe that coverage should be optional and compulsory . More preference to professional liability insurance has to be given because it also covers for malpractice and other reasons while medical malpractice insurance coverage only for malpractice .