April 2013

Patient Safety is Top Concern for Hospital Leaders

The lack of teamwork combined with a negative culture and poor communication in hospitals today presents a barrier when it comes to patient safety in the future, according to a new survey. The survey results revealed a tension between what hospital leaders perceive as their number one priority in 2013, patient safety (64% C-Suite and 62% risk managers), and their… Read More »Patient Safety is Top Concern for Hospital Leaders

Expired insurance = no coverage

An insurance company does not have to cover a Rapid City woman for a crash because her policy expired 12 hours before she hit four boys on their bicycles, the South Dakota Supreme Court ruled.

Tamara Bradford pleaded guilty to two counts of vehicular battery for the September 2007 crash and was sentenced to eight years in prison. Authorities said her blood-alcohol level was three times the legal limit for driving when she hit and injured the boys, who were riding their bicycles or standing along the road.

After a lawsuit was filed on behalf of the boys, Alpha Property and Casualty Insurance Co. declined to cover Bradford for the crash. The Supreme Court said Bradford’s insurance policy had expired just after midnight on Sept. 23, 2007, about 12 hours before the crash, because she had failed to pay a premium due the day before the accident.

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No-Fault Auto Insurance Reform

According to a recent statewide poll commissioned by the Coalition for Auto Insurance Reform (CAIR), an overwhelming number of Michigan voters believe their auto insurance premiums are too high and support no-fault reform legislation that would lower their auto insurance costs. The poll revealed that voters are concerned about the high cost auto insurance – 70 percent said their auto… Read More »No-Fault Auto Insurance Reform

Important Federal Fines Coverage for your Nonprofit Social Service Organizations

The Nonprofit D&O Liability Program includes Coverage for Specific Federal Fines and Penalties. A common exposure that social service organizations face that is not typically covered by most D&O programs are the federal fines and penalties that can be levied against 501(c)(3) entities for alleged violations of: IRS Code section 66652(C)(1)(a) for failure to file annual 990 tax returns Public… Read More »Important Federal Fines Coverage for your Nonprofit Social Service Organizations

100-Car Naturalistic Driving

A 100-car “naturalistic” driving study conducted by the Virginia Tech Transportation Institute (VTTI) says that fatigue is a cause of 20% of car crashes, rather than the 2%-3% previously estimated based on surveys, simulator studies and test tracks. Plus, the study found, 18- to 20-year-olds account for significantly more fatigue-related crashes than any other age group. Adolescents’ sleep patterns shift… Read More »100-Car Naturalistic Driving

2013 Hurricane Prediction

The Colorado State University team is predicting an above-average 2013 Atlantic basin hurricane season with 18 named storms and a 72 percent chance one will make landfall somewhere along the entire Eastern seaboard. Nine of those 18 named storms are expected to become hurricanes and four of those major hurricanes (Saffir/Simpson category 3-4-5) with sustained winds of 111 mph or… Read More »2013 Hurricane Prediction

Northern California Business Owner Sentenced For Premium Fraud

A Northern California business owner has been sentenced for workers’ compensation insurance premium fraud and pay over $2 million in restitution to insurers, the California Department of Insurance announced on Wednesday. Teresa R. of Redwood City, Calif., who originally plead no contest to eight felony counts, was sentenced in San Mateo County Superior Court to serve one year in jail,… Read More »Northern California Business Owner Sentenced For Premium Fraud