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Mississippi Medical Malpractice Insurance information
Most physicians work long and irregular hours. It has been reported that 43% of all physicians work in excess of 50 hours per week. With all of this time devoted to patient care and practice development, physicians benefit greatly from relying on the expertise of an Insurance Agent specialized in the area of Medical Malpractice Insurance.
It is difficult for physicians to remain knowledgeable about the ever-changing landscape of Malpractice Insurance coverage, law, and carrier options. Diederich Healthcare specializes in Medical Malpractice Insurance and we understand the need for a trusted “partner” who can assist physicians in selecting the right Medical Malpractice Insurance protection for their practice.
Diederich Healthcare’s network of over 200 contracted insurance affiliates assures our physician clients greater portability, market accessibility, and effective consultation. We provide consultation on coverage options from the major carriers offering Professional Liability Insurance to physicians throughout the United States. We will provide malpractice insurance quotes from several carriers and make recommendations on coverage that best fits the physician’s particular needs at the most cost effective premium.
Diederich Healthcare reviews each account and policy prior to each policy renewal, and more frequently based on market/situational changes, to determine options for renewal coverage. These options are then presented to the physician with our recommendation prior to renewal in order to avert last-minute decision making.
Medical Malpractice Coverage also available for:
- Medical Groups
- Clinics
- Medi-Spa Facilities and Procedures
- Weight Loss Procedures
- Ancillary Healthcare Professionals
- Physician Assistants
- Nurse Practitioners
- Surgical Assistants
- Nurses
- Optometrists
Mississippi Medical Malpractice Insurance Market Summary
Tort reform was enacted in 2002 in Mississippi. . The laws came into effect January 1, 2003. The tort law changes include a cap on non-economic damages, and changes is more specific in regards to the territory where a suit can be filed. The suit must be filed in the same county where the alleged malpractice took place. Mississippi had somewhat higher average premiums than neighboring states such as Alabama, Arkansas and Tennessee. Tort reform and increased competition has helped to decrease the rate that doctors are now paying for professional liability insurance. The premiums have decreased for the last 4 years. The outlook for premiums in Mississippi is stable unless the tort reform is challenged and overturned. Diederich Healthcare is a leader in providing high quality, cost-effective malpractice insurance to physicians in Mississippi. Diederich provides insurance coverage with A rated carriers in a very efficient manner.
Comparative Negligence
In Mississippi for medical malpractice, each physician is liable only for damages allocated to him in direct proportion to his percentage of fault. Miss. Code Ann. § 85-5-7. Fault must be assigned to absent tortfeasors who contributed to the injury (such as persons who have settled or were not sued) and those with immunity. Id.; Blailock v. Hubbs, 919 So. 2d 126 (Miss. 2005). This rule does not apply to acts committed with specific wrongful intent or as part of a common plan to commit a tortious act. § 85-5-7(1) and (4).
In cases filed before January 1, 2003, liability was joint and several, but only to the extent necessary for the claimant to recover 50 percent of his damages. Between January 1, 2003, and September 1, 2004, there was no joint liability for non-economic damages. Only those defendants determined to have 30 percent or more of total fault could be found jointly liable at all, and then only to the extent necessary for the claimant to recover 50 percent of his economic damages.
Damage Limits
Mississippi has a cap of $500,000 on non-economic damages in medical malpractice cases. Most of the 2002 tort reform act applies to actions filed on or after January 1, 2003, but the section establishing the cap says that it applies to actions filed on or after passage of the bill, which was approved October 8, 2002. An amendment states that the cap applies to an entire claim, not separately for each defendant. § 11-1-60. In cases filed on or after September 1, 2004, punitive damages are limited to two percent of net worth. (There is a schedule of lower limits for defendants worth more than $50 million.) Miss. Code Ann. § 11-1-65 (Westlaw 2007).
Statute of Limitations
A medical malpractice action must be brought within two years after the alleged act, omission, or neglect is discovered or with reasonable diligence might have been discovered. Miss. Code Ann. § 15-1-36(1) (Westlaw 2007). This includes death claims, under a 2006 decision that overruled prior law and held that the statute of limitations for wrongful death is the same as that for the act that led to the death. Jenkins v. Pensacola Health Trust, 933 So. 2d 923 (Miss. 2006). A claim accruing on or after July 1, 1998, must also be brought within seven years after the alleged act, omission, or neglect occurred. This statute of repose is tolled until discovery for claims arising out of foreign objects left in the body and claims that have been fraudulently concealed. § 15-1-36(2).
Special provisions extend the time for an action on behalf of a minor or mentally disabled person, based on the injured person’s status on the date the cause of action is discovered or with reasonable diligence might have been discovered. For a minor six years of age or less with a parent or guardian, an action may be brought within two years of the minor’s death or sixth birthday, whichever is earlier. For a mentally disabled person, an action may be brought within two years of death or removal of the disability, whichever is earlier. § 15-1-36(3) to (8).
Effective January 1, 2003, a medical malpractice action cannot be filed until 60 days after giving the defendant written notice. If the statute of limitations would expire, it is extended to 60 days from notice. § 15-1-36(14).
Diederich Healthcare is able to offer medical malpractice insurance to the following counties in Mississippi:
Adams, Alcorn, Amite, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Claiborne, Clarke, Clay, Coahoma, Copiah, Covington, DeSoto, Forrest, Franklin, George, Greene, Grenada, Hancock, Harrison, Hinds, Holmes, Humphreys, Issaquena, Itawamba, Jackson, Jasper, Jefferson, Jefferson Davis, Jones, Kemper, Lafayette, Lamar, Lauderdale, Lawrence, Leake, Lee, Leflore, Lincoln, Lowndes, Madison, Marion, Marshall, Monroe, Montgomery, Neshoba, Newton, Noxubee, Oktibbeha, Panola, Pearl River, Perry, Pike, Pontotoc, Prentiss, Quitman, Rankin, Scott, Sharkey, Simpson, Smith, Stone, Sunflower, Tallahatchie, Tate, Tippah, Tishomingo, Tunica, Union, Walthall, Warren, Washington, Wayne, Webster, Wilkinson, Winston, Yalobusha, Yazoo
All Specialties save on Medical Malpractice Insurance with Diederich Healthcare
- On average, Physician clients that switch to Diederich Healthcare save 46% on their medical malpractice insurance.
- We compare the major companies for your specialty in order to recommend the best coverage at the lowest premium for your practice.
- Our access to multiple carriers in each state allows us to offer many practice discount programs…
- New Doctor Discount
- Part-Time Discount
- Board Certification Discount (ABFM)
- Claims Free Credit
- Risk Management Credit
- No need to purchase Tail Coverage when changing to Diederich Healthcare with Prior Acts Coverage Included.
Med Mal Insurance Coverage in Mississippi
- AM Best “A-Rated” Coverage at Affordable Rates
- Coverage options for all Medical Specialties, Groups and Healthcare Facilities
- Compare Premiums and Choose Malpractice Coverage that best suits your needs
- Maximum Discounts available to physicians in Mississippi
- Guidance regarding Risk Management at your practice
- Access to “Specialty Lines” of Insurance for your Unique Practice needs
- Easily Transfer Your Malpractice Insurance at any time
Providing cost-effective Medical Professional Liability Insurance to Healthcare Providers located in Mississippi…
Get your FREE QUOTES now…compare multiple companies providing Malpractice Insurance to physicians in Mississippi. (including AM Best A-Rated carriers)
Covering all Physician Specialties, including Groups and Facilities in Mississippi, and all Types of Procedures…
Your “one-stop-shop” to obtaining affordable coverage to meet your needs. Representing a large number of quality insurance companies; giving you the confidence of having an advocate in your corner who has already “shopped” the marketplace for the best Malpractice Insurance Value available in Mississippi.
Accessing all Discounts available to each Physician’s Medical Practice…
Multiple Physician/Group Discounts, Medical Board Certification Discounts, Claims Free Discounts, Practice Longevity Discounts, Risk Management Discounts, Part-Time and New Practitioner Discounts.
Guiding Medical Practitioners toward improved Risk Management…
Ask about FREE access to Risk Management assessments and training for your practice. Offering access to Insurance for physicians and Risks/Procedures that are more difficult to cover…
Obtain coverage options for High Risk physicians and/or Procedures and Specialty Practices such as:
- Medi-Spas (including Botox/Fillers)
- Weight Loss/Weight Management (including HCG and Bariatric Surgery)
- Others available upon request
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