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Roy Said:

When hiring RN's for Indiana birth center, what are the guidelines for contracted RN's? Are there legal forms?

We Answered:

You could call the state board of nursing and ask if there is certain private insurance required for that specialty area (birth center), or talk to the human resources dept. of whatever hospital you are looking into working at. In my state, you do not require private insurance, the hospital completely covers you - unless you are found to be guilty of some kind of gross negligence, then you're on your own if you have been named individually apart from the hospital itself in a lawsuit.

I have heard conflicting information on whether it it is a good idea to have private insurance or not. Some say it makes you an easy target, that if something happens and the lawyers for the family find out you carry insurance, they will go after you all the more. If you have nothing but the hospital coverage, they can't get blood from a turnip, so to speak, and will leave you alone.

Apart from insurance, every employer offers a different contract, and your interview is your chance to ask all about these things, and their opportunity to tell you what you'll need to do in order to abide by the contract. Make sure you have all the information in hand before accepting employment. Talk to the union (if you have one), and ask them the same questions you ask the employer.

Deanna Said:

Insurance Question... need some legal advise about a wreck?

We Answered:

If you have filed under your collision coverage - your company will pursue the other company for repayment. Once they get paid back they will forward the ded to you. Yes, this is why you pay for insurance. So, just settle on the car with your collision and let them subrogate (go after the other company for repayment).

As far as the medical condition goes- the insurance company has to look into that. The man as alleged that this caused the accident and they have to look into it. Since they are still investigating the accident, they have not decided if they are going to pay your claim or not. Since the investigation is still on going there is no need to get all upset.

As far as his medical condition - yes, that can matter.

Let me give you 2 examples:

1. You are driving down the road. While driving you have a heart attack. This causes you to hit another car. You have never had a history or heart attack. You have never had symptoms of a heart attack. You never had any idea that it was possible you would have a heart attack.

2. You have a heart condition. You take pills for it. You know if you don't take your pills you could have a heart attack. That morning is very hectic and you forget to take your pill. You have a heart attack later that day causing an accident.

See the difference?

In 1. you had no knowledge that you could have a heart attack and in 2 you knew you could have a heart attack if you did not take your pills.

In 1. you were not negligent. You did nothing wrong. This may fall under the Sudden Medical Emergency doctrine.

In 2. you were negligent. You knew you could have a heart attack if you did not take your pills and you did not take your pills. In this situation you are responsible for the accident you caused.

I don't know where you are or if your state recognizes sudden medical emergency doctrine or not. But it is pretty difficult to prove. If the man knew or should have known that he had a possibility of passing out, then he's going to have a hard time claiming sudden medical emergency. If the investigating officer can not confirm he claimed he blacked out at the scene and he was not transported from the scene to the ER due to his complaint of blacking out....it's going to be more difficult to support a denial of liability based on sudden medical emergency.

But if that's what he is alleging, then his insurance company has to investigate that. Failure to do so, can result in his suing his own insurance company for bad faith.

So....take a deep breath.

Let the insurance company investigate and see what they come up with.

Jay Said:

Uninsured part of my policy.?

We Answered:

Comprehensive and Collision Coverages are subject to you paying a deductible and fault has no bearing on on it. If you have uninsured motorist coverage and can identify the other party then your deductible may be paid from the um-pd coverage.

Kathryn Said:

What is average cost of roofing insurance in indiana?

We Answered:

General liability for a one man shop, is probably going to run you around $1500 a year, if you do NO flat roofs or hot tar.

Workers comp for roofers, runs 25% of payroll, or $2500, whichever is HIGHER.

Both of those are AUDITABLE, so be sure to compare both the premium, AND the actual rate they are charging you.

Georgia Said:

Statue of limitations for an accident in the state of Indiana?

We Answered:

Well, they can get the JUDGEMENT in your locality, in court, regardless of where the other person moved to. THEN the judgement is collectable, usually forever, unless bankruptcy is declared.

So will they pursue? It's going to depend on 1. how much money you're talking about and 2. how collectable this person is - if they don't have a pot to sit on, they aren't likely to EVER collect anything. And if we're talking about $2,000, it's not worth the effort.