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    Sunday, February 27, 2005

    Dividends: Tell me again why it is that tort reform won't improve malpractice premiums? Another insurance company in Texas reduces their rates:

    Ninety percent of the company's current Texas insureds will receive rate reductions. Although some reductions will range up to 30 percent, the average decrease for insureds at $200,000/$600,000 limits of liability is 14 percent.

    ....Richard Anderson, chairman and CEO of The Doctors Company, attributed the rate decrease to Texas House Bill 4 and Proposition
    12, which reformed medical malpractice liability in Texas and placed caps on non-economic damages.

    'When the 2003 reforms passed, we were confident that the legislation would dramatically improve the Texas medical malpractice marketplace, benefiting physicians as well as providing additional protection for those injured by medical negligence. As a result, we withdrew a proposed rate increase and held rates flat,' Dr. Anderson said. 'And as promised, we have assessed the reformed Texas market and are extremely pleased to announce a significant reduction in our Texas rates. We congratulate Texans on their resolve to keep their doctors practicing, and we are optimistic that these reforms will exert a beneficial effect on Texas rates for years to come.'


    A physician in Texas emails to say his insurance rates will stay the same for a change:

    Medical Protective just sent me a notice that my premium would only go up $54 this year but along with it was a letter stating to ignore that, saying that when the actual premium bill comes it will either be the same as last year or, for some categories, slightly less.

    That is, assuming I read the verbiage correctly; you never can tell.


    For Medical Protective, a company whose policy is to pass the pain of their misfortunes (they're really a branch of General Electric which not only owned the insurance policies on the Twin Towers, but owned the planes that flew into them and the insurance on the planes) to their customers rather than their stockholders, that's something.
     

    posted by sydney on 2/27/2005 08:32:00 AM 0 comments

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