Medical Malpractice Insurance

Do Caps Reduce Malpractice Premiums?

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• Caps Were Designed To Lower Medical Malpractice Insurance Premiums

• Premiums In States With Caps Are 9.8% Higher Than In States Without Caps

• Deterring Malpractice Is The Best Way To Bring Down Costs & Protect Our Families

Derived from data provided by Medical Liability Monitor (Oct 2004) A state’s average premium is calculated as the unweighted mean value of premiums for all companies for which data is provided across all regions. A state is classified as having a “cap” when there exists a general noneconomic damage cap that affects medical malpractice or a broad medical malpractice specific cap on noneconomic damages. Caps that affect one area of medical malpractice (e.g. just wrongful death cases) or punitive damage caps are not counted since these represent a small number of cases.