La Jolla, California. Every year, nearly three-quarters of the population have headaches. Of all visits to physicians and emergency rooms, a little over 1% are for headache. Sufferers from severe headaches sometimes fear they must have a brain tumor or hemorrhage. However, benign headaches can be just as intensely painful as those resulting from a malignant disease.
Tort Reform and Its Impact on Medical Malpractice Insurance. The medical malpractice insurance industry is definitely in crisis, with many insurers refusing to cover hospitals and physicians. This scarcity along with skyrocketing costs are thought to be the result of numerous professional liability claims and lawsuits.
When insurance takes the form of a contract in an insurance policy, it is subject to requirements in statutes, Administrative Agency regulations, and court decisions. In an insurance contract, one party, theinsured, pays a specified amount of money, called a premium, to another party, the insurer.The insurer, in turn, agrees to compensate the insured for specific future losses. The losses covered are listed in the contract, and the contract is called a policy.NSURANCE, MARINE, contracts. Marine insurance is a contract whereby one party, for a stipulated premium, undertakes to indemnify the other against certain perils or sea risks, to which his ship, freight, or cargo, or some of them may be exposed, during a certain voyage, or a fixed period of time. 3 Kent, Com.