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Claims ManagementToday patients sue for a number of reasons. Common allegations include failure to diagnose and treat, failure to refer, and the use of an overly aggressive treatment plan. Even the most skilled, caring doctor can face the threat of a lawsuit. That is why it is critical you choose the right malpractice insurance from a company experienced in and dedicated to serving chiropractors. Why are we claims experts? Our claims specialists are among the best trained and most knowledgeable in the industry. They skillfully work through each claim watching out for your best interests at every turn. In addition, we work with an extensive, national network of defense attorneys who specialize in chiropractic malpractice litigation. How do we work to resolve a claim? Our claims handling philosophy revolves around the idea that you, your attorney and OUM work together to resolve your claim. We won't settle if you won't settle. OUM's "consent to settle" policy provision assures you we won't settle a claim without your consent. Disapproved by Department of Insurance in Florida and Maryland. What risk management activities does OUM offer? As an OUM policyholder, you can call our risk management department to discuss a touchy situation or general risk management concerns with an experienced professional. Many risk management resources, such as sample forms and risk assessment tools, are available to OUM policyholders in the risk management section of this website. In addition, we provide innovative risk management education through our annual Home Study program and other activities. Legal defense against claims of malpractice; what's covered OUM's extensive malpractice insurance policies offer broad protection that covers the range of professional chiropractic services you provide within your state's defined scope of practice. Legal Defense Against Malpractice Claims In the event of a malpractice claim covered by your policy, OUM will:
Automatic Coverage for Other Services In addition to covering treatment administered in your scope of practice, OUM policies automatically protect you for the following professional chiropractic services you may offer:
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