When you shop online counselor malpractice insurance is a good thing to buy because it can help you to stay safe even if you make a mistake. Errors can come in many different ways when you are a counselor. You could diagnose someone as needing a kind of help that they do not actually need or you could give them advice that makes their situation worse. These things can happen at any time and they can happen to anyone. Having an insurance policy is the only way that you can be sure that you will not have to pay for the mistake on your own. There are a few things that you should do while you are considering the policy.
First, you should look up other cases to see what types of things have happened in the past. Read about prior cases just so that you can get an idea what might happen to you. There will be a number of situations that will not apply to you; of course, since these things will have happened because the Online Counselor Malpractice Insurance in question tried to cut corners and did not do their jobs as well as you do yours. There will be plenty of other cases, however, that just stem from bad luck or chance. These are the kinds of things that you need to be aware of in your profession.
While shopping Online Counselor Malpractice Insurance is certainly something that you should consider buying, but first you should see how many of the cases went to court. Some cases might have been dropped before they got that far. This could be due to a lack of evidence. There are certain cases in which the counselor did nothing wrong but the client was still angry and looking for someone to blame for their own problems. You need to see how many cases were legitimate and the amount that were not.
After you have done this, you should look and see what types of rulings came down in the court cases. You should be able to find out how much the counselors in question had to pay for these mistakes and errors. Some of the cases probably did not involve that much money, but you will certainly find somewhere large amounts of money had to change hands.
Looking all of these things up will show you how valuable insurance can really be; if you are shopping online counselor malpractice insurance is not something you should overlook. You do not want to operate your practice without this. As the other cases will show you, a simple mistake can lead to a large lawsuit and a lot of money being lost. You need to know that you have a policy that can help you to make any payments that are required.
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