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  • Medical Schools Fail in Teaching of Patient-Safety

    Mar 12th 2010

    By: MelB

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    The National Patient Safety Foundation is concerned about the state of medical schools. Specifically, according a report released by the Foundation’s Lucian Leape Institute, med schools are not doing well at imparting , “basic knowledge and the development of skills required for the provision of safe patient care.” according to “Unmet Needs: Teaching Physicians to Provide Safe Patient Care,” a report issued by the National Patient Safety Foundation’s Lucian Leape Institute.

    The report, entitled, “Unmet Needs: Teaching Physicians to Provide Safe Patient Care,” summarizes the 40-person roundtable discussions that met in October, 2008 and June 2009. It also includes twelve recommendations and two major points, at least according to Lucian Leape, the Institute’s namesake and a Harvard Medical School adjunct professor of health policy.

    At a press conference, Leape said that the most obvious point in the report is that our medical schools need to improve their teaching of patient safety, including facets like “…the role of human-factor engineering and related patient-safety communication and collaboration skills.” He also sad that the less obvious point that must be corrected is that, “…too often, the students are being educated in a toxic environment….” He said up to 5% of physicians who mistreat students, nurses, and residents are allowed to “poison the well” by fostering a “shame-and-blame culture” that perpetuates medical errors.

    The Association of American Medical Colleges chief academic officer, John Prescott, also spoke to the press, stressing that, “Educating new doctors about patient safety is a top priority…” of his organization. He also said that many of the article’s recommendations were already being implemented.

    According to a third speaker, Harvard Medical School student Jordan Bohnen, teamwork training is scant, and “public belittling or humiliation” of students is still common practice in teaching hospitals.

    It is generally understood that patient safety is an important part of medical care.

    Health Insurance

    Health Insurance, medical school, patient safety

  • An Alternative to the National Flood Insurance Program?

    Mar 11th 2010

    By: MelB

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    Most of us have heard of NFIP – the National Flood Insurance Program – even if we don’t own homes that are situated in flood zones. Now, a company called CatCoverage is offering an online alternative to national flood insurance.

    Known as NCIP – the Natural Catastrophe Insurance Program – this new product is available to agents and brokers as well as direct to consumers.

    It’s a web-based program that offers, “primary layer insurance for the perils of landslides, floods, and earthquakes.” The policies are being underwritten by Lloyds, which has a reputation of being one of the best in the business. It is administered by Salt Lake City, UT – based Poulton Associates, Inc., which also created the program. Poulton’s director of wholesale marketing, Marissa Halverson, says that many consumers and insurance professionals still think the NFIP is the only source of flood insurance.

    CatCoverage.com allows both business and residential property owners to purchase flood, earthquake, and landslide coverage under one insurance policy. In addition, customers can choose coverage options that NFIP doesn’t offer, such as additional living expenses for homeowners, loss of income coverage for businessess, and other expenses.

    Estimates show that roughly 83% of Americans do not have any kind of flood or catastrophe insurance, and about a third of them erroneously believe that standard homeowners insurance covers flooding and other such damage. (It does not.)

    So far, the web-based CatCoverage is available in 27 states.

    Flood Insurance, Homeowners Insurance

    Flood Insurance, NCIP, NFIP

  • Utah Senator Proposes 3 Changes to Auto Insurance Law

    Mar 9th 2010

    By: MelB

    No comments

    The Insurance Journal is reporting that State Senator Stephen Urquhart of Utah is trying to change the law on automobile insurance coverage in his state by proposing three bills with address un- and under-insured motorist coverage, liability insurance, and arbitration for accident claims.

    Senate Bill 62 would require a written response to a covered driver’s compensation demand “within a reasonable amount of time” from all insurers providing uninsured and underinsured motorist coverage. In addition, the companies should pay drivers’ or insurers’ demands “immediately.” If a carrier does not pay the full amount of the driver’s demand for compensation, the driver would then be eligible to litigate or arbitrate the remaining claim.

    The Senate passed this bill and it was sent to the House.

    Senate Bill 70 modifies Utah’s current Uniform Driver License Act by altering provisions relating to the liability limits imposed for damages caused by a minor operating a motor vehicle. Under the new bill, both the owner of a vehicle, and the minor who was allowed to drive it, can be held jointly and severally liable for any damages caused by the negligence of the minor, when an accident occurs.

    In addition to this change, Urquhart is also proposing that the owners’ liability be limited to the amount of their liability insurance if a crash involves the injury or death of one person, and to $100,000 if more than one person is injured or killed. Currently, according to the Senator, the potential liability is unlimited.

    This bill passed in the Senate and is waiting for the governor’s signature.

    Senate Bill 105, which is also waiting for the governor’s signature, modifies the state Insurance Code by amending provisions relating to the use of arbitration for certain motor vehicle accident claims, and increasing the arbitration award limit an injured person can get from an insurance company from the current $25,000 to $50,000.

    Auto Insurance

    Auto Insurance, liability, utah

  • South Carolina’s Safe Home Program Helps Reduce Insurance Premiums

    Mar 5th 2010

    By: MelB

    No comments

    South Carolina’s innovative program for coastal homeowners who have taken measures to protect their homes against hurricane winds has surpassed its 1,000th awarded grant. Specifically, according to Scott Richardson, director of the South Carolina Department of Insurance, said that the SC Safe Home Program has awarded a total of 1,010 grants worth roughly $4.6 million to coastal residents in the last two years.

    Homes that have been retrofitted to withstand hurricane-force winds are considered better risks by insurance companies, Richardson explained. He also said that homeowners who completed such mitigation projects have reported up to 24% savings on their property insurance premiums.

    Under the SC Safe Home Program, grants of up to $5,000 are available for owner-occupied homes either on a matching or non-matching basis. To date, grants have been awarded to homeowners in eleven different coastal counties.

    Reports from FEMA (Federal Emergency Management Agency) indicate that there is a savings of $4 in possible losses and reconstruction costs for every dollar spent on mitigation. Based on that information, said Richardson, Safe Home has reduced the potential loss and future reconstruction cost from a hurricane or severe wind event by more than $18.2 million.

    What’s the best mitigation step a homeowner can take? Officials in the insurance industry say the best bet is to replace the existing roof with a stronger, safer roofing system. 76% of grant recipients have chosen to do that with their Safe Home funds. Homeowners who have selected additional replacements, including impact resistant window systems and hurricane shutters, have reported an additional savings of up to 29% on energy costs.

    According to Richardson, Safe Home has also created construction and home improvement jobs in South Carolina. So far, there are 81 certified inspectors and 58 certified contractors are working with the program.

    Homeowners Insurance, Hurricane Coverage

    hurricane insurance, South Carolina

  • Welcome to the CheapInsurance123 Blog

    Mar 3rd 2010

    By: MelB

    No comments

    Amidst rumors that the economy is improving, albeit slowly, there lies a stark reality: insurance is expensive.

    While we’d like nothing more than to wave a magic wand and make all coverage available to all people at a reasonable price, we don’t have that power. What we can do, however, is provide you with the tools and information that will help reduce what you spend on premiums while empowering you to make better choices about coverage options.

    On our website, you’ll find a wealth of information about different kinds of insurance, so whether you need to learn the ins and outs of insuring a teen driver, or want to become an expert on reading condo insurance policies, you’ll find an article to lead you down the correct path.

    Here on the blog, we’ll be sharing important industry information, from changes in local legislation and insurance requirements, to breaking news in the ongoing battle for health care reform. Even better, we’ll do it in language that’s easy to understand, and without clouding the issues with too many personal opinions.

    We may run an insurance website, but we’re also consumers, and – like you – we want finding cheap insurance to be easy.

    As easy as (cheapinsurance) 1-2-3.

    CheapInsurance123

    CheapInsurance123, welcome

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