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Malpractice malpractice!?

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Boy...some days ya feel like ya just wanna shut the doors and tell the whole world to go take a great big bite! :)

I currently have CBS malpractice ins. Upon renewal last month, I requested lower limits because I am no longer involved in ANY managed care...(and don't need to carry those ridiculously high limits).

So, yesterday I get "word" that these lower limits are RETROACTIVE for two years... Has anyone ever heard of such happy horse sh*t!?

What if now a "managed care" malpractice claim is filed against me from last week, or last month, or last year, or even two years ago....? I won't have the coverage for that time period that I paid for during that time period. And, OF COURSE they don't want to reimburses me the difference in the higher premium I paid...and the lower coverage I'll actually receive retroactively.

Needless to say, I'm now shopping for malpractice insurance today... Any suggestions!? (I've been with NCMIC...they kept raising my rates, and lowering/abolishing my "rebate," so they're just money hungry pigs as well...). (can I sue my malpractice company for malpractice!?!?).

Ahhhh................thanks gang, I feel a lot better :)

M. s, D.C.

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