The mortality rate for dental procedures in the US is quite low, and most people that have routine and even serious dental work done rarely experience a problem. So why would there be a need for Dental Malpractice Legal professionals. Well one of the major reasons is because when something does go wrong, the patient rarely, if ever thinks of it as the dentist’s or oral surgeon’s fault. With the exception of wrongful death, a misdiagnosis or injury to the nerves may be perceived by the patient as his or her own fault or just one of the possible consequences of the procedure.
There are many things that could fall under the heading of dental malpractice and some of them may seem quite common in retrospect, such as a failed crown or implant or failure to detect oral cancer. At the opposite end of the spectrum you would find practicing without a license and anesthesia deaths. There are more difficult to determine types of malpractice as well, such as treatment beyond the scope of consent and even insurance fraud, which occurs when a dentist performs unnecessary procedures in order to collect the maximum amount of compensation from an insurance company. Either of these cases may require an experienced Dental Malpractice Lawyer.
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Hospitals offer the best hope for the seriously ill or injured to receive the medical assessment and treatment that is necessary to protect their health and to prevent an untimely passing. At least that is what patients are counting on in the time of urgent health needs. They trust that the extensive training and strict professional oversight require of the doctors, nurses, and other healthcare professionals will be enough to limit or eliminate the potential for adverse health effects to arise. But medical malpractice is a too frequent occurrence and stands as serious threat to patient safety. The recent increase in the prevalence of dangerous bacteria, include Methicillin-resistant Staphylococcus aureus, or MRSA.
Bacterial organisms are found all around us in almost any setting. Fortunately, the human body has adapted to this environment, otherwise survival would be an almost unlikely prospect. There are other bacteria, though, that when they infect a person can cause serious and even deadly illnesses. As the name implies, MRSA has evolved a resistance to antibiotic treatments that would typically be used. Consequently, infections that could otherwise be treated and cured have become incurable and potentially life-threatening. Stunningly, hospitals are the most common site at which MRSA infections are contracted.
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We encounter some competitors who give our business a bad rep. In general, most insurance brokers work very hard and do the right thing, but some do not. Most brokers earn a 10% (sometimes 15%) commission on the placement of your coverage. That commission is gross revenue for the brokerage. The brokerage then pays its overhead (rent, highly paid employees, and its broker malpractice premiums et al) and that leaves profit, which is not huge.
So if you pay $45,000 for your malpractice insurance coverage, the broker is paid $4500 by the insurance company. I write ‘paid by the insurer,’ since this commission is built into the rates. If you went directly to an insurer to buy your coverage, the insurer would not lower your premium for the broker commission; it would keep the money even if you have no broker.
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