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Arizona Medical Malpractice Insurance

What’s going on in the Arizona Medical Malpractice Insurance Market.

With the increase in competition between insurance companies and more companies to choose from, it is extremely important to have an experienced agent on your side. Desert Mountain Insurance will research and evaluate the companies and coverage components to ensure you are well informed in the purchase of a policy.

We partner with many major nationwide medical professional liability insurance carriers as well as local Arizona insurers. We not only shop for the several rate options, but evaluate Arizona medical professional liability insurance coverage and provide objective guidance to our clients so they may select the professional liability company, professional liability policy and medical malpractice insurance protection in Arizona that best meets their specific needs.


Records Retention Requirement for Arizona Physicians and Arizona Malpractice Insurance

A.R.S. §12-2297 dictates how long a health care provider must retain a patient’s medical records. The Statute states the following:

  • Adults  – at least 6 years after the last date the adult patient received medical or health care services from that provider.What’s going on in the Arizona Medical Malpractice Insurance Market!
  • Children – either for at least 3 years after the child’s 18th birthday or for at least 6 years after the last date the child received medical or health care services from that provider, whichever date occurs later.
  • Source data – medical records, including x-rays and other diagnostic images may be maintained separately from the medical record, but must be retained for 6 years from the date the source data was collected.

In addition, the Statute also addresses retirement and selling a practice, the responsibility of employed health care providers as well as nursing care institutions.

When evaluating the coverage and purchasing an Arizona medical malpractice insurance policy, it is important to determine if coverage for such administrative responsibilities is included automatically or an option to be added should any disciplinary preceding occur with regards to retaining medical records. An Arizona medical professional liability insurance policy can also provide coverage due to any cyber liability or data breach of medical records.


Arizona Medical Malpractice Insurance and Statute of Limitations

The Statute of Limitations in Arizona is defined in A.R.S. §12-542 and states that a medical malpractice action or cause of action for medical malpractice must be initiated and taken legal action within 2 years of the alleged negligence, misconduct, errors or omissions, or breach of contract of services rendered. This is the standard deadline. There are also certain exceptions to the rule with regards to discovery, minor children and disability.

It is important to consult your Arizona medical professional liability insurance company and a medical malpractice attorney should a provider receive a written demand from a patient or patient representative.

Desert Mountain Insurance is available to discuss your questions regarding the coverage provided by Arizona medical malpractice insurance policies. Please do not hesitate to give us a call today at (480) 348-2200.