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Alabama Medmal Insurance Facts
Alabama Medical Professional Liability Insurance Market Summary
If you're a physician in Alabama seeking medical liability insurance, SelectFirstInsurance can guide you to numerous reputable insurers.
Leading companies in the region include:
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ProAssurance
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Medical Protective
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The Doctors Company
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Mag Mutual
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State Volunteer Mutual Insurance Co.
Alabama's medical malpractice insurance market is exceptionally favorable for healthcare providers due to several factors:
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lowest premium rates nationwide
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Around 90% of malpractice trials result in a verdict favoring the physician
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Alabama has a lower per capita medical liability payout than most states, indicating a favorable climate for medical professionals
Medmal Insurance Requirements for Alabama in 2023
Limits of Liability: In Alabama, the typical liability coverage limits are $1 million per incident, with a yearly total limit of $3 million.
Before granting admitting privileges, most hospitals mandate that physicians have malpractice insurance. Among the healthcare systems with this requirement are:
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Huntsville Hospital
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Brookwood Baptist Medical Center
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St. Vincent’s Birmingham
Tort Reform in Alabama
In 1987, the Alabama legislature enacted extensive tort reform policies, incorporating limitations on the following:
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non-economic damages in medical liability cases
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a maximum threshold for wrongful death case compensations
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a ceiling on punitive damages
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a ban on selecting favorable court venues for wrongful death lawsuits.
Statute of Limitations for Medmal Claims
For most civil claims in Alabama, the statute of limitations is two years, but the amount of time you have to file a lawsuit will vary depending on the type of case and details specific to each claim.
The criminal statutes of limitations in Alabama are typically one year for misdemeanors and five years for felonies.
*statute of limitations may vary depending on specialization. For additional information, please visit www.statutes-of-limitations.com*
Disclaimer: The information provided above is for general informational purposes only. It is not intended as legal, financial, or professional advice. By accessing this information, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this site from time to time.
Why Partner With SelectFirst Insurance
When it comes to securing your medical malpractice insurance, partnering with the right provider is paramount. At SelectFirst Insurance, we understand the unique challenges and concerns that healthcare professionals face.
With over 30 years in the insurance Industry, at SelectFirst Insurance Services we cater to the unique insurance needs of our business clients. Instead of a one-size-fits-all approach, we customize the insurance products to meet your unique needs. We embrace a set of high-performance standards, ensuring your expectations will be exceeded. As a boutique insurance agency with access to over 65 insurance companies, our clients enjoy the special convenience of a personalized, highly skilled, innovative and performance driven team to handle your insurance needs.
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